Claim or fix?

[kunoichi]

Ok so i'm looking at selling my lil ninja 250 :bye: , but i'v managed go for a quick slide along the motorway on it, and it has a few scratches on the fairings, 2 cracks and a couple of scrapes on the exhaust.

I'm just wanting some opinions as to whether i should make an insurance claim (this accident happening about 3 months ago) or whether I should just get it done up alil then sell her as is?

Cheers

[Jizah]

How much is it insured for? How much is the excess? How much do you reckon someone would pay for it if you fix it up?

[kunoichi]

excess is 1K, fully insured (7K value, tho the price of this model has gone up by a grand). I'm not too sure about how much it would cost to fix it. If anybody has fixed fairings before, is it expensive?

[Swoop]

Also, there is the dent in the "no claims bonus" (if you have that) to consider.

[Hiflyer]

Pictures? Maybe? If you claim on it the insurance company will probably want to replace the entire panel if it has a crack.

9 times outta ten they'll put an aftermarket exhaust on though cos stock is more expensive for 250's i guess. so you could sell it with a better exhaust maybe?

[Matt_TG]

Claim. You can always withdraw the claim without it affecting anything, if it's not worth it.

[crazyhorse]

Probably not worth it - no offense, but it is a 250cc.

Find someone to plastic weld the cracks, polish the pipes, and sell it.

250's are purpose bikes, hold their value and people expect them to have had a slide or two.

[gunnyrob]

Check to see how much it will cost. Chances are you'll put in a claim as fairings are bloody expensive. Seeing as the bike is fairly new, you'll take a huge hit if it looks patched up.

[kunoichi]

I'll give the insurance company a call and see what they say. I'v never put in a claim before. Should i let them know that i'm intending to sell or that the accident happened a while ago? Does it any of this info make a difference?

[Reido]

you're meant to tell the about any accidents etc straight away... not 3 months later when you decide you might want to make a claim.. :sweatdrop

my insurance went from 380 to 500 a year after my claim, so all in all probably still worth it

[R6_kid]

Get chaos rider to fix it for ya. :yes: :sunny: