http://citycyclingedinburgh.info/bbpress/ CityCyclingEdinburgh Forum » Topic: post-collision paperwork en Wed, 13 May 2026 05:23:36 +0000 http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-197629 Tue, 01 Sep 2015 17:31:22 +0000 le_soigneur 197629@http://citycyclingedinburgh.info/bbpress/ <p>Some good advice <a href="http://velonews.competitor.com/2015/09/news/road/legally-speaking-what-to-do-if-youre-hit-by-a-car_383398">on Velonews &lt;click here&gt;</a> which bears out a lot of what is stated on this forum (even if it is from the USA) </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-180069 Fri, 06 Feb 2015 11:22:47 +0000 wingpig 180069@http://citycyclingedinburgh.info/bbpress/ <p>ESure's cheque will supposedly clear today after four working days' mysterious banking adventures. Fortunately, replacement bits started arriving/being collected on Tuesday. Frame and fork were lugged to the Cycle Service this morning to be beheadsetted for collection on my way home. If all goes well (i.e. if the youngest wingpiglet can be persuaded to not repeatedly vomit straight after being put to bed) it shall be reconstructed into a rolling bicycle tomorrow evening. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-179128 Tue, 27 Jan 2015 22:40:23 +0000 wingpig 179128@http://citycyclingedinburgh.info/bbpress/ <p>Cheers, but I fortuitously have a pair of nice fat brown Vaverts from Planet X's unwanted cheap mudguards department sitting on top of the kitchen cupboards since a week before the incident. I'm going for mish-mash colouration again to try and create a sort of lived-in, shabby look, to discourage thieves, hence going for the silver frame to show up muck more quickly. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-179127 Tue, 27 Jan 2015 22:24:35 +0000 Instography 179127@http://citycyclingedinburgh.info/bbpress/ <p>@wingpig<br /> I have pair of use but perfectly serviceable silver mudguards that came off my trucker to be replaced by longer, blacker mudguards when I started its as yet unfinished overhaul. Welcome to them. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-179108 Tue, 27 Jan 2015 16:57:33 +0000 I were right about that saddle 179108@http://citycyclingedinburgh.info/bbpress/ <p>@Darkerside</p> <p>I've done a lot of work in insurance, and I can tell you that sight of actual claims gives you a different view of the business. You hear the word 'fair' in insurance back offices far more often than you would think if you'd seen some of the scams. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-179107 Tue, 27 Jan 2015 16:44:08 +0000 dougal 179107@http://citycyclingedinburgh.info/bbpress/ <p>I suppose a'body saw <a href="http://www.theguardian.com/environment/bike-blog/2015/jan/26/eight-months-wait-uk-mail-pay-up-for-crushed-bike">this story about a woman waiting an age for insurance to respond to the issue of her crushed bike</a>? As usual you need a threat of bad publicity to encourage people to discover that the "paper work must have got lost" wasn't so lost after all. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-179106 Tue, 27 Jan 2015 16:22:05 +0000 Stickman 179106@http://citycyclingedinburgh.info/bbpress/ <p>I work in insurance. I'm going to get my mum to send me a copy of my birth certificate, there's something I need to check..... </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-179103 Tue, 27 Jan 2015 15:55:07 +0000 paddyirish 179103@http://citycyclingedinburgh.info/bbpress/ <p>@Darkerside - agreed</p> <p>@wingpig - glad that the end is in sight and hope that you get something suitable to replace your steed. Still agree with those who say that it's hard to quantify the "soft" disruptions (your time/phone calls/having to choose a less desirable way to travel) </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=4#post-179091 Tue, 27 Jan 2015 14:19:49 +0000 Darkerside 179091@http://citycyclingedinburgh.info/bbpress/ <p>My old man has a favorite phrase when it comes to describing those who work in the insurance industry.</p> <p>It starts with "all insurers are", and then concludes with a somewhat sweeping statement about the legitimacy (or otherwise) of their birth.</p> <p>I have yet to find it proved wrong. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-179077 Tue, 27 Jan 2015 13:20:23 +0000 wingpig 179077@http://citycyclingedinburgh.info/bbpress/ <p>I could certainly have done without having to commute on the drainpipe-mobile every day for over a month, Likewise unwelcome will be the hassle of probably having to do something with the bike shed doors to try and prevent the extra 4cm of wheelbase resulting in damage to the rear light and/or mudguard when storing/retrieving.</p> <p>The (only) text from eSure before they switched to voice-only comms stated "our customer confirms you WEREN'T at fault", which was almost certainly deliberately phrased like that to avoid explicitly positively stating that the customer was at fault. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-179072 Tue, 27 Jan 2015 12:43:09 +0000 chdot 179072@http://citycyclingedinburgh.info/bbpress/ <p>BUUUT</p> <p>Even if, after all that, you get a 'new bike', you'd really rather not have had the hassle and initial trauma. </p> <p>So well done and extra commiserations. </p> <p>Wonder if you'll get a bit of paper saying 'this cheque is no admission of guilt/liability/etc'. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-179071 Tue, 27 Jan 2015 12:39:05 +0000 Min 179071@http://citycyclingedinburgh.info/bbpress/ <p>Hurray! </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-179069 Tue, 27 Jan 2015 12:34:45 +0000 wingpig 179069@http://citycyclingedinburgh.info/bbpress/ <p><blockquote><em>"Hello, blah blah blah in reference to call yesterday blah PAYMENTS WILL BE RAISED TODAY blah issued by printed cheque on authentic old-fashioned paper and delivered by steam-mail within five working days blah."</em></blockquote></p> <p>Can't decide whether to go for the greyish/silver or the black frame. Probably greyish-silver, for muck-visibility (as in to help it look shabbier by leaving lots of muck in place) and to help the brown mudguards make it look hodgepodgey. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-179006 Mon, 26 Jan 2015 20:52:40 +0000 Kenny 179006@http://citycyclingedinburgh.info/bbpress/ <p>\o/ </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178986 Mon, 26 Jan 2015 16:52:13 +0000 wingpig 178986@http://citycyclingedinburgh.info/bbpress/ <p>Hoopy.</p> <p>A detailed breakdown of the cost of all the individual components of the custom mishmash was sent in on Friday. It ended up totalling slightly greater than £1,000, excluding the cost of assembling wheels and bicycle, even when the frame price used was the current sale price of the disc-only-therefore-incompatible Kaffenback 2014, rather than the nearest-equivalent-replacement-without-having-to-replace-lots-of-existing-components Surly LHT.</p> <p>The mysterious Engineers, to whom I had hitherto not spoken directly, have just agreed to settle the bike part of the claim (excluding clothing) for the full value of the Bicycle Works' printed quote, comprising the frame, rim, chainring, rack and dismemberment/re-integration charges, though with the cost paid directly to me instead of the Bicycle Works; apparently (though I shall check this before officially accepting anything) the outstanding bit of the claim for glubs and Cycle Service inspection-fee can remain open, for resolution outwith the purview of the Engineers. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178608 Thu, 22 Jan 2015 22:16:44 +0000 tk 178608@http://citycyclingedinburgh.info/bbpress/ <p>Don't forget all the things you are entitled to add<br /> - alternative transport<br /> - your time for effecting repairs<br /> - costs of making the claim such as phone calls and time it took you to get quotes etc<br /> - stress / nervousness riding, even if it's only on the same but of road</p> <p>If they start getting awkward suggest you are considering a lawyer and claiming for all the above </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178568 Thu, 22 Jan 2015 15:16:18 +0000 steveo 178568@http://citycyclingedinburgh.info/bbpress/ <p>Just ramp up your component value till you get to the cost of your previous repair quotes. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178565 Thu, 22 Jan 2015 15:12:04 +0000 wingpig 178565@http://citycyclingedinburgh.info/bbpress/ <p>...aaaaand they seem to be preparing to enter try-to-fob-off-with-component-value mode. Naughty eSure. "And how much did you pay for the bike?" sadly won't work when it's a custom mishmash. I'll have to remember to use the line about not having been walking across Albion Road carrying just a rim, chainring, rack and frame in isolation. Fortunately they've chosen to adopt this approach on what would have been the first anniversary of the day the frame first made it outside the house as an assembled bike. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178440 Wed, 21 Jan 2015 16:45:58 +0000 sallyhinch 178440@http://citycyclingedinburgh.info/bbpress/ <p>Maybe they just like looking at pictures of bicycles? </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178434 Wed, 21 Jan 2015 16:20:34 +0000 wingpig 178434@http://citycyclingedinburgh.info/bbpress/ <p><blockquote><em>"Indeed - especially as ins cos have a 'reputation'."</em></blockquote></p> <p>Claim-handling transferred from Glasgow to Manchester, who called a few seconds before I was going to chase them up. The quote has been passed to their bicycle-engineers, who also want a picture of the bicycle, though not necessarily one which clearly illustrates the bentness of the frame. Maybe they just need proof that the items being claimed for are real and that I haven't fabricated two quotes (and two inspection receipts, both on realistic-looking till-paper) in a spurious claim for an imaginary bicycle. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178213 Mon, 19 Jan 2015 15:08:01 +0000 chdot 178213@http://citycyclingedinburgh.info/bbpress/ <p>"Excellent, at least the insurance is taking responsibility."</p> <p>Indeed - especially as ins cos have a 'reputation'. </p> <p>Highlights, that it might not always be 'best' to try to be helpful about other people's NCBonus. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178210 Mon, 19 Jan 2015 14:58:10 +0000 steveo 178210@http://citycyclingedinburgh.info/bbpress/ <p>Excellent, at least the insurance is taking responsibility. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178208 Mon, 19 Jan 2015 14:47:45 +0000 SRD 178208@http://citycyclingedinburgh.info/bbpress/ <p>yay. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178207 Mon, 19 Jan 2015 14:38:43 +0000 Min 178207@http://citycyclingedinburgh.info/bbpress/ <p>Thank goodness things are moving in the right direction at last. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178203 Mon, 19 Jan 2015 14:20:24 +0000 wingpig 178203@http://citycyclingedinburgh.info/bbpress/ <p>I like eSure. They managed to get the driver to respond to a telephonic communication in an acceptably entire-fault-accepting way. He's still an <code>[epithet]</code>, though. No problem getting them to accept that reconstruction would be far more sensible/preferable than/to entire-bike replacement via a third party bike-replacement service. I must now email them a quote of my choice (accompanied by receipts for both estimates, the receipt for askMID and a couple of sample glove-replacement pricings), they'll send me a form (which they stressed would not be legally-binding if I fancy coming back to them at a later date armed with a solicitor) and when they get it back they'll give me another call to discuss the precise form the transfer of claimed monies should take, which sounds like it will have no problem being a personal cheque to me, though I shall see if they've heard of modern electronic money-transferral techniques and are able to bypass their automated cheque-issuing procedure, for the sake of speed at my end.</p> <p>In the meantime, watch out for a sort of off-grey five-door Vectra. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178023 Fri, 16 Jan 2015 17:57:42 +0000 acsimpson 178023@http://citycyclingedinburgh.info/bbpress/ <p>I think it was esure I dealt with in 2007 when I was the victim of theft. They had their preferred supplier (I forget if it was Wheelies or Halford or another national company) but when I explained that I had customised by bike and was keen for a like for like replacement they were fine, although only used the lower of said national's quote and insured value/my estimated value.</p> <p>I had to provide receipts for the customisations and they said I could either use a shop of my choice who they would pay directly or I could provide receipts for the replacement and they would then pay me.</p> <p>It wasn't a quick process but Macdonalds were happy to receive an insurance check for me to spend in store. It's a shame they are no longer in business. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178017 Fri, 16 Jan 2015 16:22:11 +0000 wingpig 178017@http://citycyclingedinburgh.info/bbpress/ <p>Yip. I'm trying the insurer first on the grounds that they might be happier about paying out the mere <code>[cost of broken bits] + [labour to dissassemble and reassemble]</code> rather than <code>[cost of broken bits] + [labour to dissassemble and reassemble] + [lawyer-fees and legal costs dwarfing the damage costs]</code>, but I'm not going to accept what I'm not happy with (as advised on the bicycle lawyer-people's website); also, bicycle lawyer-people appear to only deal with personal injury cases, rather than mere bicycle-damage.</p> <p>The custom-built nature of the bicycle was emphasized to eSure's tele-operative and will be further clarified when they ask for the specification. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178016 Fri, 16 Jan 2015 16:14:39 +0000 tk 178016@http://citycyclingedinburgh.info/bbpress/ <p>Wingpig- see above. That's why I went through a lawyer as it becomes a cash sellement instead. I don't think wheelies are too bad as a colleague used them but the range can be a bit limited. I'd suggest you try and push for cash on the basis that a delay will require you to charge for alternative transport </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178015 Fri, 16 Jan 2015 16:05:56 +0000 wingpig 178015@http://citycyclingedinburgh.info/bbpress/ <p><blockquote><em>"We give you details of one or more suitable replacement bikes on a like-for-like basis. If need be you can check all available options on this site."</em></blockquote></p> <p>Hmm. I hope they have a bit more flexibility than that implies. </p> http://citycyclingedinburgh.info/bbpress/topic.php?id=14144&page=3#post-178013 Fri, 16 Jan 2015 15:53:44 +0000 Morningsider 178013@http://citycyclingedinburgh.info/bbpress/ <p>wingpig - the third party is probably "wheelies" as they deal with most major insurance companies. They were pretty good when my bike was stolen ages ago. Their website is at:</p> <p><a href="http://www.bikereplacement.co.uk/" rel="nofollow">http://www.bikereplacement.co.uk/</a> </p>