Coup de Grace

The Ninja is dead. The quote came back as $5585, and its insured for $5500.
So its gone. Had it for two months, spent a lot of money getting it right,
but its gone.

Its just not right. You put the bike in to a mechanic for a fuel problem,
some fuckwit cage driver runs into it and its the last I see of it. They'll
give me $5500, which like the payout for the Fizzer won't come close to
replacing it.

I've just gone through all this. I've only had the bike two months and now
I've got to go through that fucking painful process of going through the
classifieds and troll for a replacement.

The fuckwit cage driving gook is right at the top of my shitlist. Its all
his fault, and worst case he pays a few hundred bucks excess and higher
premium. In return he's given me weeks without a bike, the nuisance of
looking for a replacement, and a shortfall of several hundred dollars.

What makes it worse is the attitude of Swan. The drone who rang me acted
like she was doing me a favour paying me all this money. I couldn't get it
through to her that I don't want the money, I want my bike back. I want what
the bike was worth to me, not what you reckon it was worth.

--
Cheers
Dave (Mojo67)
FZR600 >> ZX6R Brisbane
http://users.bigpond.net.au/mojo67/mojo67.htm
I used to never be able to finish anything but now I

 

Maaaan; was it a whole family of black-cats you hit with the mirror as you
were spilling the salt under that ladder?
Clem
(Maybe you've lost your Mojo......)

 

Buy a cheaper or even a buggered Ninja, buy your wreck and salvage all the
good bits.

Then give me the address of the driver so I can park my bike in front of his
house!

 

I wouldn't be doing that if I were you.. The guy seems to have a history of
not seeing bikes..

TB

 

And now you've learned, twice, why it's important to ensure you're not
underinsured.

....but it does give you an excuse to go test riding a whole batch of different
bikes if you want.

The magic of insurance. Don't listen to the people who say its a rip off.

Surely you can get the bike fixed up and back on the road again for less than
the amount quoted? Ask Swann how much to buy back the wreck, ask the mechanic
how much to fix with fencing wire and fibreglass. If it just got backed over,
the broken bits won't be "as broken" as if you'd stacked at speed, I presume.

Nev..
'03 ZX12R

 

I bought the wreck of my bike from the mob I had it insured with and then
had it fixed by the guy who quoted for the repairs in the first place. He
said he quoted all new parts (I think he had to) which naturally inflated
the repair cost. The repairs only cost a couple of hundred extra from what I
had left over after buying the wreck.

TB
Now I'm trying to get it going as a track bike... maybe this weekend I shall
hear her sweet sweet voice again...

 

What makes it worse is the attitude of Swan.
Not the first time someone has had that with them.

As you said, Drone...

Dont you have option to buy the bike back? I did with my GPX750 all
them yrs ago..

 

People with unrealistic expectations will always have something to complain
about.

A throwaway term which appears to be good at inflating the egos of those
who use it, many of them don't realise they are "drones" themselves. If you
know more that the "drone" on the telephone, why are you talking to them?

Nev..
'03 ZX12R

 

In aus.motorcycles on Tue, 6 Jul 2004 22:29:11 +1000

Insurance companies are in it for their profit not your convenience...

If you want what it's worth to you, insure for agreed value not market
value.

I used to go through a dance with Swann about the Pantah's value. Each
year they'd devalue the agreed value by 10%, each year I'd send them a
valuation from my bike shop that said the value had increased by 10%...

THe premium's probably more, but there's that profit thing again.

Zebee

 

What makes it worse is the attitude of Swan. The drone who rang me acted

i knew swann were fuckwits after i ranf them for a quote and they would only
insure for the amount thats on the transferral of ownership papers.

so if a mate sells you a bike cheap, they wont honor its value

 

Maybe that's the point. He probably wants the insurance.

 

If you know more that the "drone" on the telephone, why are you talking to them?

Nev,
You have never called a company or gone into a store, and known more
or the facts than the pleb on the other end of the phone/in front of
u??

 

i knew swann were fuckwits after i ranf them for a quote and they would only insure for the amount thats on the transferral of ownership papers.

So, you pay $1000 for a $1000 bike, and want to insure it for $5000,
you think they should??

To me that would be an unacceptable risk as you have $4000 to make
overnight if it got stolen.

Ive heard that before on the transferral of ownership papers.

 

Hang on, this is the bike that was with the mechanic for servicing and
_he_ crashed it "testriding" it, right?

I'd be going to your mechanic and saying "The insurance is only paying
out 5500, you either need to buy the wreck off them and fix the bike for
that much money, or make up the difference needed to replace it."

_He_ was riding the bike when it got damaged, its _his_ responsibility
to pay whatever's required to fix it. If I was you, I'd also be asking
him to either get it all fixed on _his_ insurance, or reimburse you for
the future increase in premiums you'll suffer on your own insurance.

big

 

Of course not, he's a fuckwit, y'know!

 

~
Dunno about other states but in Qld you're committing an offence if
your transfer papers don't have the market-value of the bike (i.e. not
the sale price) on them.
In which case you could hardly argue if the value YOU'VE STATED IS
CORRECT is subsequently too low.......
Clem

 

If you're so clever, why are you talking to them?

Nev..
'03 ZX12R

 

Same in Victoria because they calculate the stamp duty on the market value. I
don't know about the insurance company wanting to see the transfer papers,
when Swann paid out on my bike they only asked me for a receipt showing the
amount I paid for the bike.

Nev..
'03 ZX12R

 

1. She rang me.
2. Despite not understanding her role, she is the public face of Swan
Insurance.
3. She is the person who makes the decision about writing off the bike. True
that she's just following guidelines and checklists, but using those
processes she makes the initial decision and you can't appeal any higher
without hearing what she says.

Is that so difficult to understand?

--
Cheers
Dave (Mojo67)
FZR600 >> ZX6R Brisbane
http://users.bigpond.net.au/mojo67/mojo67.htm
I used to never be able to finish anything but now I

 

No, thats something else.

The bike shop has a policy that covers them if nobody has insurance. The way
it works is I put in a claim, my insurance claims against the party at fault
(aka fuckwit gook cage driver)and his insurance. It doesn't increase my
premium or no claim bonus or reduce my rating. It doesn't matter if I don't
claim against my insurance, it just takes longer. I've looked into all that.

But none of that matters. Look at what mid 90s ZX6Rs are worth. Its not easy
to replace one for $5500. I am pretty disillusioned with the whole faired
sportsbike thing after the Fizzer and Ninja. I'm looking at things like
CX500s and GS500s at the moment. Commuters.

--
Cheers
Dave (Mojo67)
FZR600 >> ZX6R Brisbane
http://users.bigpond.net.au/mojo67/mojo67.htm
I used to never be able to finish anything but now I