Farkin insurance wan#%ers

[dmouse]

:angry2::angry2: what is a resonable amout of time to effect a repair on a motorcycle, ????. :angry2::angry2::argh::angry2::angry2:

ok here is the scene on the 5th of october i was taken out by a 4x4 he was on company insurance and accepted full responsabilty, still good that i had witnesess even a cop (thanks Mr Reid ;) ) now im not blaming the poor dude trying to make a living that is fixing the bike, but the delay in effecting the repairs and the delay in obtaining parts, ok still with me ? ok i will go slower pause !!

ok the bike is a harley fatboy 1998 the forks,handlebars,levers, and all the rest of the stuff on the forks wheel guard ect are now crap broken just scrap metal, why is it taking so long to get replacment parts, there are thousands of dealers in the USA ( uncle sams arsenal ) for one custom chrome have all the parts on there website, if its not my fault should these parts not be sent by air frieght or is insurance cut throat cheepscape postage the problem, i have missed out on a few good runs especialy the magpie run im gona miss the santa parade maybe now i wont get a pressie from him god im so angry it takes this long to fix it, if it had been written off i could of bought a replacement off of ebay and it been here by now o well anyone else had simular probs advice and yes im lucky to be alive i had a angel that day she even notified my misses that i was down but not out and i thank her for that, if she is in here she knows who she is big hugs and thanks heaps.

[scracha]

what is a resonable amout of time to effect a repair on a motorcycle, ????.


Can't you just "hire" a replacement motorcycle as part of the claim or does insurance in this colony not cover "inconvenience"? Tell them that you're going on a "run" every weekend and they'll be paying the hire costs till you get your bike back.

[dmouse]

i have full comp but it does not and will never cover a replacement bike, i have argued this with my present company and the previous had the same policy, they cant get it through there heads it was not my fault but it is me that has to suffer tough shit i guess, until more bikers damand this on there insurance it will not be available to us.

[Matt_TG]

It sounds like a repairer issue rather than insurance, the insurance companies don't actually fix bikes.

In saying that however, are you claiming on his insurance? If so you are a third party and really his insurers have no obligation to sort you out in a timely manner. It may suck but it's a fact.

-edit- As you are insured your insurers should act promptly. If it's something out of their control (parts ex overseas) their hands are tied too :(

"Inconvenience" or consequential losses are generally not covered, unless stated as so in your policy wording.

Good luck, hope you get things sorted asap, the weather being so good isn't helping you much!

[dmouse]

i have fully comp insurance so does the dude that hit me, his insurance is with his business, i have claimed through my insurance and they pass on the cost to the other party once work is completed, there is no insurance company in NZ that will cover the cost of a rental/loan bike until repairs are effected, believe me i have phoned them all, i pay at the moment $1220 for full cover on my 1998 HD fatboy fully customised with all items listed seperatly no points on my license ( a licence is a privalidge ) im 49 with full no claims, had three accidents in my riding history and these have been in the last three years, but none of them were my fault, hit from the side by a dick overtaking and didnt see me came right into me from the left ?, second one was a dick that ran a red i was turning right with the green and he hit me from behind on state highway 1 at 6ok and he got let off as it was his first offence !!!!!!, last one the dude did a u turn in my face says he didnt see me ??? but he saw the car behind me ???.

i bet he got a loan or rental car until his was fixed, me i suffer from claustaphobia and cannot drive a cage as i get physicaly sick and hate it, this is a leftover from my first off in 04 where i was seriously fucked up lost a few bits internaly and mentaly in that one.

[janno]

Oh bugger. Perfect riding weather at the mo, too. No wonder your undies are in a twist. Mine would be somewhat . . .

[hospitalfood]

insurance companys really do make people unhappy

[dmouse]

you hit the nail on the head great weather missed bike meets, magie and gona miss santa`s run for the kids, and insurance take ya buck but dont give a f!!!!

[scracha]

i have fully comp insurance so does the dude that

Regardless of whether you're fully comp, third party or uninsured then surely the 3rd party (if they are at fault) legally have to pay reasonable expenses to keep you mobile. If they are insured then the costs would be borne by their insurance no?

For example, if some eedjit wrote my car off then I would be expecting to be refunded the hire car costs I'd have to have as I'm self employed and need a vehicle to see customers.

I gather loss of income is covered by ACC but what about the grey area of other expenses such as the above.

Could someone in the industry clarify this? I thought the "not at fault" party had to take reasonable steps to minimise their costs and therefore all appropriate taxi/bus/train/hire (even interest payments for a replacement vehicle till the 3rd party paid out) costs were reimbursed by the "at fault" parties insurance?

[dmouse]

ok i got shoulder and elbow damage, ACC is gona cover the cost of repair there so no probs, i dont work my wife is a tetraplegic in a wheelchair since 85 and an accident in the uk, so i have looked after her and three sprogs since then.

tommorow phone your insurance and ask them what if ?, do you get a replacement bike i bet its NO

[devnull]

Try using the 2 magic words that insurance companies like to hear...

"Insurance ombudsman"

If you believe that they are being unreasonable and you can't get anywhere with them, mention to them that you're going to cantact the insurance ombudsman to take things further

[Matt_TG]

Could someone in the industry clarify this? I thought the "not at fault" party had to take reasonable steps to minimise their costs and therefore all appropriate taxi/bus/train/hire (even interest payments for a replacement vehicle till the 3rd party paid out) costs were reimbursed by the "at fault" parties insurance?

One could certainly seek reimbursement from the at fault party. Most Liability Sections of Motor Vehicle Policies state something to the effect of:

You are covered for your legal liability arising from:

accidental loss to anyone else’s property (including loss of use)

You're dead right about being reasonable with costs though. If the at fault party or their insurers didn't cough up you could take them to the Disputes Tribunal - the referees there are pretty good in seeing what can be a personal hardship as a result of no wrong doing on your part.


Try using the 2 magic words that insurance companies like to hear...

"Insurance ombudsman"


You have to go through the insurer's internal complaints system and exhaust every other avenue of reaching a resolution first though. It's a bit like saying "I'm going to Fair Go". Often heard and those who say it think it's the scariest thing that can be said. Not true.

[dmouse]

below is copy of emails from the insurance company of the dick that hit me and the repairer names removed to protect privacy. i left mine in there as i have nothing to hide

dave


31/10/07

Hello Dave,
Everything is good insurance is confirmed to pay for excellent job to get bike back to excellent condition,we have also got in quote for you ,new drive belt replacement which is another $750 dollar job,parts are being ordered and sourced, paint is booked in with dean, tank will be mounted correctly and all small bolts that are bent will be replaced,l have very experienced trades man doing job,who specialises in this type of job,our only delay now is waiting for parts and out work, we want to have machine all ready for delivery to you mid DEC or before the sooner the better as we do not receive one dollar until job finished correctly
Regards ????????



Hi David,

I have just been speaking to ???? who has in turn been speaking to Christchurch Motorcycles.

They will be sourcing parts via Arlen Ness as well; Christchurch Motorcycles are in the process of doing the estimate and it will be ready as soon as possible.

They also estimate once all parts are available, repair time is likely to be in the region of 7-8 weeks.

With regard to your rights as the victim, I do not think there is much recourse available to you as we are doing everything we can to move the process along, as did the Assessor; we are in fact only slowed at this point by Rolling Thunder (we received claim form on 09/10/2007)

Rolling Thunder had the bike delivered to them on 11/10/2007 and then advised Assessor that they would not be able to provide estimate for 3 weeks on 19/10/2007; bike was then moved to Christchurch Motorcycles to get things moving.

The Assessor that is working on this Claim is an IAG assessor; IAG own State, NZI, NAC & Swann Insurance, so the processes are as streamlined as possible to enable as fast of service as possible for you, there will always be variables that are outside of our control.
Regards


NAC Broker Claims

[Matt_TG]

I think you need to lean heavier on the repairer Dave. It looks like it's all authorised and approved, the only thing holding it up is actually getting the bike fixed. Damn.

The hold up seems to be getting the bits from overseas. Insurers can say to you they will only pay the market value of any new parts, accessories or tools that are
unobtainable in New Zealand. The most they usually pay is the last known selling or list price in New Zealand plus the reasonable cost of fitting. In this case they seem to have approved getting the parts from overseas, but will only pay sea freight.

You could argue that what they pay extra for airfreight could be saved by a reduction in your additional claim against the third party insurers for a hiire vehicle and losses...

[dmouse]

i have written a very strongly worded letter to both insurance compaies involved, but its proberly a little late now as the parts will be in the pacific on a slow boat somewhere.its not the repairer its down to the insurance company penny pinching my is insured for 50k believe it or not, and i have every nut and bolt listed includeing price, how i had wished that they had written it off, but never mind as long as its put right.

there estimate at 14k for parts i am sure does not include labour,repaint custom artwork, and there is allways extras so i gues repairs are going to end up somewhere around 16 to 18k at the end of the day.

i have the police coming to see me tommorow for an impact statement, but i cant use this in that as its coverd by insurance, as my injuries cannot be used as ACC covers that, so basicly all that the impact statemnt covers is me going stir crazy on these lovely hot and sunny days, maybe i will be lucky and santa will deliver my bike in time for xmas, because if it dont appear before then i will have to wait until work resumes after the hols and evrything catches up the dockers unloading my parts customs, frieght to the workshop and staff at the shop sobering up shit maybe next year then :eek:

[dmouse]

Hi and many thanks i had emailed the repairer but i have had no response from him, the bike is in for repair and is not my fault, the repairs should be carried out in a resonable time, i do not see why the parts cannot be sent by air freight this way the parts would of been here weeks ago, and all repairs would of been efected, and i would of been back on the road.

as i stated the accident was not my fault, your client did the damages to my bike, and it has now been seven weeks since the accident, even allowing for two weeks getting things organised with repaires and parts ect, it still leaves five weeks waiting for parts.

i feel that it was your client that did the damage, and as you his insures, should be making every effort to right his wrong, and get these repairs efected at your cost, this is what your client pays insurance for, as part of his cover and being business insurance, then all the more reason to effect quick and speedy resalution for all partys.

does your client know that you are dragging your heals over the cost of shipping the parts to effect repair ? i am begining to wish the bike had been written off as i could of replaced it within about three weeks importing one from the USA by air frieght.

i look forward to your response

David O`Neill

[Fatjim]

One thing to remember in these cases is you are not bound to claim through your insurance. Once you do though, your insurance pays for everything so there is no point bitching to the third party insurer, they've forgotten all about already.

[dmouse]

i aint bitchin just dosnt seam like a resonable response and service from a insurance company would you be happy if it was you or your bike ?

[Matt_TG]

Nice looking bike there Dave, awesome paint job too. You're right to be passionate about your baby and frustrated with the time it's taking to get it put right. I'm a bit confused though - who is handling the repair - your insurer or the cage driver's?

If it's the cage driver's, get yours to push things through faster. Generally though if you're both insured each side takes care of their own repairs, the not at fault party doesn't pay an excess and they don't chase each other for reimbursement.

[dmouse]

Nice looking bike there Dave, awesome paint job too. You're right to be passionate about your baby and frustrated with the time it's taking to get it put right. I'm a bit confused though - who is handling the repair - your insurer or the cage driver's?

If it's the cage driver's, get yours to push things through faster. Generally though if you're both insured each side takes care of their own repairs, the not at fault party doesn't pay an excess and they don't chase each other for reimbursement.

hi and thanks for the compliment, yes i am passionate about my bike, i have spent a long time getting it to where i wanted it not to mention money, insurance prob is that both parties have differnt companies but there both owned by the same company idc/state ect my company is paying for all repairs and going to claim back from its sister company if that makes sense, but at the end of the day its still does not speed the process along for me the agrieved party to me its just twisting the knife

[Matt_TG]

OK, I'll send you a PM mate

[scracha]

Try the "I'm gonna hire a bike next weekend for such and such a rally and you're paying for it" line.

[dmouse]

Try the "I'm gonna hire a bike next weekend for such and such a rally and you're paying for it" line.

i wish they wont wear it there are no insurance companies in NZ that will give this sort of cover, i have even asked if they would give me cover if it was proven not to be my fault, there in the same club and wont throw a paddle out to there customers, my problem here is that both companies involved are owned by there mother company, NZ needs more competion from outside in the insurance market and it would drive prices down the way it is it sucks bigtime, ive just been told that my parts may not arrive in time for me to get the bike back mid DEC so it could be after the silly season and maybe into the new year before i get my bike back thats far too long

[Pancakes]

I have claimed for a not at fault accident and made them pay for a rental, also that can't provide estimate for 3 weeks crap? if you walked in to a harley place with some cash I bet $20 bucks they's give you prices for stuff on the spot and place the order then. Help them prioritise you by nicely but firmly making the choice between delaying and doing the job eaisier. If your nice but calling all the time/annoying and getting it done will get rid of you you may have some joy? The downside is having someone pissed off at you working on your ride. Seems like good repairers are few and far between in NZ.

[dmouse]

who do you use for insurance ? my bike was taken from the scene of the accident to the tow yard then by the insurance assesor to Rolling thunder HD dealers, who could not look at it for three weeks, now this was organised by the assesor not me, they were told that three weeks was not acceptable and moved the bike to another CHCH bike repair shop who said they could start it straight way but it will not be ready until mid DEC, i do not know why or what the delay is they wont tell me i have to deal with the insurance as its there job they placed the bike there, shit im only the owner in this, i can bet if the bike was left at the HD shop the parts would of allready been here in nz now it looks like im waiting for a slow boat and i will be off the road until the new year, i have placed a complaint with the ombudsman but i do not hold out much hope there, another member from here is adviseing me and with his help fingers toes and balls crossed i can find out whats happening and with a bit of luck get something to get round on even if only one of them twist n go things but i might look silly in all my leathers ? mind you i might start a new craze lol

i want the same insurance as you i pay $1220 on agreed value of 50k but i dont get the perks that you do why surely this should part of the basic fully comp package its there for cage drivers and its them that cause most of the probs with bikers ??.

it dont figer at all

[Pancakes]

I'm with NZI but go through North Harbour Insurance Services. They put the hard word in and got the rental for me, they were dealing with whoever insures BP cos my bike got damaged at BP by one of their employees.

I'm bit of a swindler tho, got hit by a car a few months back and got the full cost of my gear and helmet, boots etc out of his company myself even though I don't have contents, gear was between2 and 4 years old and made them replace it with no devaluation. Cashed the $1000 cheque the other day.

I would ask for a reason politely but until I got an answer, why so long? It definatly woudl be too long for me and theres no lack of Harley parts dealers. One of my friends is a warehouse manager and can get most things Harley in days on the plane. The people they deal with don't even have a boat option. Just the next plane from OZ. He said they have a three day turnaround from order to delivery to even little places in NZ.

[Boob Johnson]

Kick some ass DM, that's total BS mate :oi-grr:

[Matt_TG]

I've suggested a few things to DM via email, we'll see how it turns out...

[Pancakes]

Matt good on ya, hope things go well.

[scracha]

i wish they wont wear it there are no insurance companies in NZ that will give this sort of cover,

Yeah, but it's not YOUR insurance providing this cover. It's simply the 3rd party (and therefore their insurance company) meeting their obligation to provide reasonable compensation/expenses for your loss of transport.

[dmouse]

below is todays drivel from my broker, the problem with these companies is i think that they are afraid of other inusrance companies, and they do not like asking them for expenses, both partys here have full comp insurance, his being a business polocy, would i be in my rights to contact him and let him know of the problems im having with his insurers ??

thanks Matt i will keep you all posted but it dosnt look good for me im afraid.


Hi David,
The Insurer confirmed that they contacted the Repairer who informed them that they are trying their best to have the Bike ready by Christmas. The Repairer is also in the process of looking at some of the custom parts today.

In regards to a rental Bike or other expenses connected to alternative transport: The Insurer again confirmed that it is not included in the policy and that you can choose to pursue these “Un-insured losses” with the Third Party’s Insurer directly.

I hope you find the above sufficient.

Thank you,

Harry Eksteen

Domestic Broker

C & G Rothbury Canterbury

DDI: 64 3 363 6339

[Pancakes]

The other company DOESN'T pay for it. Your company does under a "knock-for-knock" agreement. It may even be the same company since there are only really 3 insurance co's in NZ. Your company pays even tho you aren't at fault and if someone who is with your company hits the other companies client in the future the knock goes the other way.

The uninsured losses tho ARE paid from the other guys company. Thats how I got my gear fully covered. Now you have a target go for it! And charge them K's and gas for lifts you may or may not have got from friends since then. If you've been car pooling to work or whatever, clock it up at $20 a day gas money etc. Sorry, just recalled your situation, maybe taxi's for your wife etc?

Before people jump on me, I don't think you should be out to take all the cash you can get but your not at fault, you should not be out of pocket either. Your insurer should have spelt the game out for you at the start, my broker clued me up a bit and let me go get the money for my new gear off the guy who hit me's company.

[Matt_TG]

That's what Dave is doing now, he has sent the third party insurers details of costs he would like to claim (ie his uninsured losses). Dave is also putting more heat on his insurers to see to repairs in a timely manner - although so far it has fallen on deaf ears I've suggested some phrases and ideas that he has used in his recent correspondence with his insurer/broker.

The aim is to get Dave back on two wheels in the quickest possible future!

[Pancakes]

Yeah, hope things go good. I think everyone knows it won't be overnight but sounds like the kick up the ass will do them good.

[scracha]

The other company DOESN'T pay for it. Your company does under a "knock-for-knock" agreement. It may even be the same c.

Knock for knock. Their little scheme where even if the other guy is completely at fault you often lose your no claims bonus. Yet another reason to only take 3rd party + legal cover. One they make insurance compulsory in this country I can see a lot of guys/gals switching from fully comp to TPO

[jetboy]

Knock for knock. Their little scheme where even if the other guy is completely at fault you often lose your no claims bonus. Yet another reason to only take 3rd party + legal cover. One they make insurance compulsory in this country I can see a lot of guys/gals switching from fully comp to TPO


If you want to know more about an insurer who does not touch your no claims bonus for not-at-fault knock for knock claims, let me know.

[scracha]

If you want to know more about an insurer who does not touch your no claims bonus for not-at-fault knock for knock claims, let me know.

Umm..I do. Just wonderin why it's such a secret? This is an appropriate thread to make a non earplug plug.

[kiwifruit]

Call jetboy when you want straight up service. Himself and the team at John Baker Insurance are second to none. This is a shameless plug due to the great rates, great claim service (fast too!!!) provided by John Baker and Star insurance.
Even after the claim they insured my new bike at a really sharp rate (REALLY SHARP).

0800 65 62 64, ask for Tim (jetboy)

[Connor]

Mate don't hold your breath here , I had to put down my Roadking last Feb and it took seven months to get it back and it still was'nt fully repaired , in fact only just dropped in to High Country MC to get repairs finished today.High Country MC had nothing to do with previous repair.But the hold up on Harley parts is shocking , apprently the container from Harley Factory in USA goes through Aussie before getting here and it is not unknown for parts destined for NZ disappear in Aussie.:weep:

[jetboy]

Umm..I do. Just wonderin why it's such a secret? This is an appropriate thread to make a non earplug plug.
Nah no secret mate - just dont want to be flamed for peddling my wares in a non-trading forum.

The companies I deal with don't and Im not sure of the one's that do. Maybe you are getting a bad deal because you are not insuring through a broker ;)

I'd like to know who does this, maybe its time to name and shame...

[Matt_TG]

Insurers *shouldn't* touch your premium rate or deduct an excess for a no-fault accident where you can identify the at fault party. It's written in the policy wording in most cases.

The 'Knock for Knock' agreement is in place between participating insurers to keep the courts clear by each insurer looking after their own client and not seeking recovery of costs off each other. In most vehicle accidents there are two parties, regardless of who's at fault they realise that what goes around comes around.

Regardless of the above, Dave's issues are:

* He wants the bike fixed in a reasonable time frame
* He wants reasonable communication as to how it's going
* He wants to claim uninsured losses
* He would like his insurer to assist him in claiming the uninsured losses

I don't think any of the above are unreasonable. Sure it may take months to get Harley's fixed, but insurers took on that risk when they covered him, and he would pay a premium according to the overall risk. Dave just wants something to get around on in the meantime.

[dmouse]

Nah no secret mate - just dont want to be flamed for peddling my wares in a non-trading forum.

The companies I deal with don't and Im not sure of the one's that do. Maybe you are getting a bad deal because you are not insuring through a broker ;)

I'd like to know who does this, maybe its time to name and shame...

re Above i am insuring through a broker C G Rothbury and they hold my insurance with NAC national auto club who own state and a few other big companies, there is no excuse for delaying the repairs i spoke to NZI whp holds the policy for Foodstuff who`s employee hit me and they suggested that if there is going to be a delay of this length of time my insurers should write off the bike, i have put this to them and so far its in the too hard bin i am hoping for a reply tommorow so all i can do is wait i will keep the thread posted regards too all

and thanks Matt good work i hope to meet you and i owe ya a beer mate thanks again.

[Grahameeboy]

Try using the 2 magic words that insurance companies like to hear...

"Insurance ombudsman"

If you believe that they are being unreasonable and you can't get anywhere with them, mention to them that you're going to cantact the insurance ombudsman to take things further

Insurance Ombudsman only handles 'Insured' claims, not Uninsured Loss Claims.

[dmouse]

i could not of said it better mate thanks i pay $1220 for full cover why should they not give me this service, and as i was not resposable in that the accdent was not my fault, you would think and expect your insurance company to go all out in your corner, and not do as these clowns are doing and not wanting to rock the insurance boat !!!!

thanks Matt


Insurers *shouldn't* touch your premium rate or deduct an excess for a no-fault accident where you can identify the at fault party. It's written in the policy wording in most cases.

The 'Knock for Knock' agreement is in place between participating insurers to keep the courts clear by each insurer looking after their own client and not seeking recovery of costs off each other. In most vehicle accidents there are two parties, regardless of who's at fault they realise that what goes around comes around.

Regardless of the above, Dave's issues are:

* He wants the bike fixed in a reasonable time frame
* He wants reasonable communication as to how it's going
* He wants to claim uninsured losses
* He would like his insurer to assist him in claiming the uninsured losses

I don't think any of the above are unreasonable. Sure it may take months to get Harley's fixed, but insurers took on that risk when they covered him, and he would pay a premium according to the overall risk. Dave just wants something to get around on in the meantime.

[Grahameeboy]

re Above i am insuring through a broker C G Rothbury and they hold my insurance with NAC national auto club who own state and a few other big companies, there is no excuse for delaying the repairs i spoke to NZI whp holds the policy for Foodstuff who`s employee hit me and they suggested that if there is going to be a delay of this length of time my insurers should write off the bike, i have put this to them and so far its in the too hard bin i am hoping for a reply tommorow so all i can do is wait i will keep the thread posted regards too all

and thanks Matt good work i hope to meet you and i owe ya a beer mate thanks again.

I am surprised Rothbury's are not making a fuss in your behalf as I used to handle their claims for Nzi. Contact Heather Cullen
Claims Manager / Broker DDI: 03-363 6330

Get them to speak to the Manager at National Auto Club.

National Auto Club are owned by IAG. They do not have any KK agreements for reasons too complex to explain so they will end up recovery net costs from Nzi who are part of IAG.

As both Insurer's are effectively one and the same they should really get together and decide on the most economic solution for both, ie to repair or write off.

What the should do is establish market value and assess salvage value which they can get from Turners who will give them some idea of what the wreck will get at Auction.

They could even write off and agree with Nzi that they (Nzi) will pay the difference to ofset your potential loss of use claim.

You can claim reasonable costs of hiring a motorbike as long as you can proove it was necessary. Nzi will deduct your normal running expenses to arrive at your actual additional loss.

[dmouse]

i got this today from there Team leader for the claims division ? how do i find out who is the top in there division ? i want a crack at the monkey at the top as he isnt sharing his nuts with everyone in his office !!!

however here is todays sad excuse from this sad firm

Hi David

I have had the opportunity to review your claim file and your comments made in various e-mails between our office and your broker.

I dont see any point in commenting on all matters raised, however i can assure you that all steps have been taken to try and get your motor cycle repaired as soon as possible.
We will not be taking any further action at this time, as has been explained, there is no action that can be taken. The repairs to your motor cycle will be carried out when the parts arrive.

You have been advised that your policy does not cover the costs of a rental or loan motor cycle. We note that you have now approached the third parties insures regarding this and you now need to await their response to your request.

Regards

Barry Webb
Claims Team Leader



NAC Insurance
Level 3, 36 Street
PO Box 1840
Whangarei
T 09 9833406
Extn 33406
F 09 4307456
E Barry.Webb@iag.co.nz
www.nac.co.nz

there is still mo date for [arts arriving and other questions avoided ??

[dmouse]

Insurance Ombudsman only handles 'Insured' claims, not Uninsured Loss Claims.

i am fully insured the nice person that did not see me is fully insured in a work vehicle 4x4 ? i dont understand where the uninsured loss comes into it my bike is valued at 50k plus there is no way i would take it on the roads without full cover i pay $1220 for these people to take care of these problems so why should i have to chase and sort them out hey im only a bike rider so treat me like shit !!! maybe i should sit back and do nothing the same as these so called brokers, its not long now till mid DEC so whats the problem you might ask simple its my bike not my problem i pay people to take care of problems would you not expect the same for your dollar ?

[Grahameeboy]

i am fully insured the nice person that did not see me is fully insured in a work vehicle 4x4 ? i dont understand where the uninsured loss comes into it my bike is valued at 50k plus there is no way i would take it on the roads without full cover i pay $1220 for these people to take care of these problems so why should i have to chase and sort them out hey im only a bike rider so treat me like shit !!! maybe i should sit back and do nothing the same as these so called brokers, its not long now till mid DEC so whats the problem you might ask simple its my bike not my problem i pay people to take care of problems would you not expect the same for your dollar ?

Was just saying that the Ombudsman cannot help re your loss of use claim.

You can technically claim for the loss of use of your motorbike ie not having it so you could claim say $100 per week.

Call the Broker details I gave you.

[dmouse]

Was just saying that the Ombudsman cannot help re your loss of use claim.

You can technically claim for the loss of use of your motorbike ie not having it so you could claim say $100 per week.

Call the Broker details I gave you.

thanks for the info i will follow it up when the sun comes up mate thanks, but not to be sarcastic i could not hire much for $100 a day and who would handle the deposit ? Rolling thunder minimum deposit is $400 plus gst ins ect it would be far cheaper to buy a runabout from trademe and then they can reclaim there loss when they resell it sounds simple to me but proberly too simple for them thanks again i will chase that info up mate thanks again

dave

[Grahameeboy]

i got this today from there Team leader for the claims division ? how do i find out who is the top in there division ? i want a crack at the monkey at the top as he isnt sharing his nuts with everyone in his office !!!

however here is todays sad excuse from this sad firm

Hi David

I have had the opportunity to review your claim file and your comments made in various e-mails between our office and your broker.

I dont see any point in commenting on all matters raised, however i can assure you that all steps have been taken to try and get your motor cycle repaired as soon as possible.
We will not be taking any further action at this time, as has been explained, there is no action that can be taken. The repairs to your motor cycle will be carried out when the parts arrive.

You have been advised that your policy does not cover the costs of a rental or loan motor cycle. We note that you have now approached the third parties insures regarding this and you now need to await their response to your request.

Regards

Barry Webb
Claims Team Leader



NAC Insurance
Level 3, 36 Street
PO Box 1840
Whangarei
T 09 9833406
Extn 33406
F 09 4307456
E Barry.Webb@iag.co.nz
www.nac.co.nz

there is still mo date for [arts arriving and other questions avoided ??

Not really a satisfactory reply eh.

I would as Barry to confirm in writing that an impasse has been reached and that you intend to refer to the Ombudsman. This will him think.

I would ask for the approx repair costs and the assessor's pre-accident value / wreck value so you can establish the repair v market value %.

I would ask Barry to let you know when they expect a) the parts to be in NZ and b) the estimated repair completion time.

This is his job not yours.

[dmouse]

Not really a satisfactory reply eh.

I would as Barry to confirm in writing that an impasse has been reached and that you intend to refer to the Ombudsman. This will him think.

I would ask for the approx repair costs and the assessor's pre-accident value / wreck value so you can establish the repair v market value %.

I would ask Barry to let you know when they expect a) the parts to be in NZ and b) the estimated repair completion time.

This is his job not yours.

i am sick of asking when the parts will arrive or indeed how the parts are getting here no one will give me a striaght answer all im told is that they expect repairs to be complete in mid DEC if all parts are available ? so this means to me the new year due to delays with frieght and post workers hangovers staff patys ect they will not give me anything definate i have all there emails if you would like to see them Matt has seen them and he is at a loss the same as me maybe i should put a link on an email to them for this link it might open there eyes and empty there bowels er sorry wallets and it might even bring some xmas cheer to there office thanks again i will keep posting and hope somone at rothburys gets his or her finger out and get some facts that would be a start

[Grahameeboy]

i am sick of asking when the parts will arrive or indeed how the parts are getting here no one will give me a striaght answer all im told is that they expect repairs to be complete in mid DEC if all parts are available ? so this means to me the new year due to delays with frieght and post workers hangovers staff patys ect they will not give me anything definate i have all there emails if you would like to see them Matt has seen them and he is at a loss the same as me maybe i should put a link on an email to them for this link it might open there eyes and empty there bowels er sorry wallets and it might even bring some xmas cheer to there office thanks again i will keep posting and hope somone at rothburys gets his or her finger out and get some facts that would be a start

Fair does, however, I would defintely go for a letter re the impasse so you can refer to the Ombudsman cause they are dicking you about.

You could approach the Assessor.

[dmouse]

ok here is todays excuse, i have spoken to my Broker and they now are aware that this thread is active, from what i have been told from a claims manager there, it appears that one person who lives on the north island is determined that this bike HAS TO BE FIXED for what ever reason i or the person from my brokers do not know, maybe he like the bike if so he can buy it and i can get on with my life, and at least get to see my doc i cannot afford to keep paying $50 for a home visit and costs of medications delivery from the chemist these are costs that i do not need but are being added to my problem.

also i do not just have motorcycle insurance with this firm i have house,contents, van specialy converted for a wheelchair, extra named drivers on this polocy as i do not drive she has to have family or friends drive.


Dear David,



I refer to your recent emails to our office and wish to inform you that I have discussed your situation with our senior Management.

They have assisted in reviewing this claim.

I also refer to your email to NZI explaining your position in regards to alternative travel arrangements / costs. We have discussed your situation with Nick Symes, the NZI Claims Handler, who is managing the claim for their insured - **** ****** of Foodstuffs.



Rental Costs for a Third Party is not specifically insured by Foodstuffs Policy, but they can be considered as a follow on liability where their insured is clearly liable. In your case this is the situation. It is NZI who will need to accept costs incurred as a result of the accident. You are better to continue your negotiations with them directly. We are happy to continue to offer advice when there are issues on which you do not agree. You will need to show your needs and then provide the costs involved to them.
Do not hesitate to confer with us on what might be fair and reasonable recovery costs.
We thank you for your patience during a difficult time.

Yours sincerely,
H**** *****n
Domestic Broker
C & G Rothbury Canterbury
DDI: 64 3 363 6339
www.cgrothbury.co.nz


did i miss something here ? have i been asleep and this miracle has taken place and i quote from the above

"We are happy to continue to offer advice when there are issues on which you do not agree. You will need to show your needs and then provide the costs involved to them.
Do not hesitate to confer with us on what might be fair and reasonable recovery costs.
We thank you for your patience during a difficult time."

hey elvis left the building not the planet, my losses how would i work that out, and where does your help assistance come in ? you have not given me one straight answer to date" WHERE ARE THE PARTS ?, HOW ARE THEY BEING SHIPPED ?, HOW AM I SUPPOSED TO GET AROUND ? WHO IS PAYING THE COST OF LOAN/RENTAL BIKE DEPOSIT INSURANCE ECT, WHAT WILL HAPPEN IF THE BIKE IS NOT READY BY MID DEC, THERE ARE NO PROMISES OF ALTERNATIVE DATE.

there is nothing in the above that is not unreasonable or cannot be sorted by either NAC and NZI i do not care if you are both the same companies or not have the same ideas all i want is you guys to get your heads together and sort this mess out, the accident happend on the 05/10/07 at 3.10pm i was on my way to visit my sick wife in hospital i was traveling at approx 40k and i was taken out, and now not only his insurance is rubbing salt into mu wounds and pride, my insurance and brokers are doing the same.

i will update with any replies i get but to be honest home is sliding down the hill pretty fast and santa better not come round here and be happy this year.

[dmouse]

ok thanks for the PM`s but please if possable can we keep this on this thread, as i have given the thread link to Rothbury insurance brokers to see for themselves thanks.

ok the saga continues i spoke to a claim manager today and i am informed that there is a manager on the north island that wants this repair done it seams like he is adamant that is has to be done, it does not matter what other parys think NZI or NAC this person is not in agreement with everyone else, i have to ask why is he in this frame of mind ?.
to me that sounds like deadlock now i have to wait for NAC to either confirm deadlock or not, then i can contact the ombudsman to step in, they have allready been in touch with me and are just waiting for NAC to make up there mind on,

1/ where are the parts ? shipped by sea or air
2/ what garrentee can they offer that there will be no delays
3/ what assistance are they going to offer in resolving transport in the meantime until repairs are completed, i have sent quotes and prices ect to all partys involved.

4/ why is there such unesesary delay why cant they be up front and keep me informed of progress, they placed the bike in for repair not me, its under there control not mine, they took responsabilty when they placed the bike in for repair and instructed the repairer.

not a lot to ask really is it ?

[scracha]

Finally your broker giving you some support (i.e. the same advice you've received on this forum, purse the 3rd parties insurer directly for other costs ) but to be fair, they should have given you this advice weeks ago. You could have been pootling about on another bike and going to rallies as per usual.

[dmouse]

i have had a email from IAG and they are going to be in discussion with NZI and inform me whats happeing tommorow so far the parts are still on a boat !! it might not arrive before santa if not repairs could not be carried out until next year, a couple of solutions have been made to me one is that they give me back the bike and pay me the amount of damage ?? very generous as i owe nothing on the bike its allready mine, another is that NZI write it off and pay me the full amount value of the bike, or CHCH ot Rolling thunder buy the bike from IAG and they pay me out ?? im still puzzled but i hope things will be clearer tommorow. and they will make a decision on a rental bike until this is sorted out, if nothing is sorted tommorow then its in deadlock and goes to the ombudsman i have no idea how quick that process is as i have not heard of anything that has been resolved through them before.

so its going to be a long night and another day with no transport, i will keep the thread running untiil it concludes !!!!

Hi David,



I have been told by NAC that their ****** **** is awaiting a return call from you. She apparently has a number of answers for you.



It does appear that a deadlock has been reached or is very close to being reached. Suggest you need to have that telephone conversation with ****** **** first.

If it is established that a deadlock has been reached you have recourse to the ISO.



Then an independent can give a view on what is fair or not fair.

Good luck.



Regards



******* FIINZ ,AAII, QPIB

BRANCH MANAGER/ DIRECTOR
P O Box 4502, Christchurch
DDI: 03 363 6333
Fax : 03 365 4910
Mobile : 021 278 6982

[Pancakes]

I had my bike damaged on a BP forecourt and they repaired it for me AND I got a "loaner" from Red Baron while they were doing the repair. Am with NZI, forget who BP are with. I didn't pay the bond or rental and have to recover costs, they just billed the insurer, this is what you want eh? You payed for your wheels and cover now you want wheels and cover.

Reading that they even advise you to let the other party take their time? Sheesh, let them take their time and it'll never get done. My justification for the uninsured losses claim that I made sucessfully with AMI recently was that my gear even tho it was a few years old was never crashed in and was in good useable condition. I would have $0 expense incurred if I had not been hit. Therefore I saw the entire cost, not the devalued cost as a direct consequence of their clients actions and was paid out 100% of the new buy price of the gear I was hit in.

THIS IS NOT YOUR FAULT!! WHY ALL THE PROBLEMS??

[The Pastor]

ahhh man i hate paying insurance, they are a bunch of wanks, you're stuffed if you have it, and your even more stuffed if you dont.

Why can't they side with the client more often? actually think whats best for the client, not whats best for there pockets.

Insurance guys are the most overpayed monkeys ever.

[Pancakes]

ahhh man i hate paying insurance, they are a bunch of wanks, you're stuffed if you have it, and your even more stuffed if you dont.

Why can't they side with the client more often? actually think whats best for the client, not whats best for there pockets.
Insurance guys are the most overpayed monkeys ever.

The CEO's mandate (man date, Mmmmmm!) they must make as much money for the company as they can. Thats their job. They do lack style however and thats something they can give for free.

I fix customer issues for a hefty great finance company and what people hate more than a problem is being treated like shit. If your customers are treated well enough they are normally very understanding. If they are given the cold sholder and left to fester then fester and abcess they will. Euh!

[The Pastor]

The CEO's mandate (man date, Mmmmmm!) they must make as much money for the company as they can. Thats their job. They do lack style however and thats something they can give for free.

I fix customer issues for a hefty great finance company and what people hate more than a problem is being treated like shit. If your customers are treated well enough they are normally very understanding. If they are given the cold sholder and left to fester then fester and abcess they will. Euh!
comon sence is NOT allowed on kb!!!!

[dmouse]

well this is the big day i hope, just gotta wait for a phone call and things could all be swings and roundabouts, but i aint holding my breath and its the first of DEC tommrow. so mid DEC is really close all ready, and funny enough mid DEC in fact the 15th will be my 50th bday, so with a bit of luck i will get all my birthdays and xmas rolled into one we will see !!

i would like to thank all that have supported me im very greatfull the ones who have done the most for me, has really been behind the scenes through PM`s (personal messages) your all a great bunch of people and a big thanks to you all hope we can meet one day take care and i will keep this going until its fully resolved,

thanks again and the best regards to you all :2thumbsup

[dmouse]

well still waiting and this week is running out, so far i have had an offer of $1000 to cover the cost of rental ?? that would only cover a couple of days, i cant even buy a reg n wof`d bike from TM that isnt a scooter for that, or i can have my bike back and they will give me the cost of the repairs in cash ?? mighty nice of them seeingas i dont owe anything on the bike and it would not be of anyuse with a bent front end ?? NZI wont play ball and Foodstuff have contacted me to find out whats happening. all i can say is im well and truly pissed off and i hope that if nothing else it gives you some pointers on how nice insurance compaies can be even the big ones :soon::headbang::soon::crazy::crazy::angry2: and that about sums it all up.

[Pancakes]

Your more patient than me mate.

When an insurance co covered the rental cost for me they said pay it and claim it back from them, like fuck I said, and told them to fax to the bike shop a form saying all costs of rental were covered. They did. First they were on about the cost etc and I said thats in your hands not mine, get my bike back and the rental will be over. I didn't want money I wanted my bike back and transport in the meantime.

I have my vehicles with NZI and am watching to see your result to see if it will stay this way, especially as it's been nearly 5 months for my bike to be repaired and it's not all back together yet.

If the insurers are watching and think I'm kidding about removing my policies please join the site and PM me for my details.

If others follow suit this may become an expensive mistake for them.

[dmouse]

its a game they play with our money and our lives,

i have just come off of the phone with IAG and all that NZI will offer me is $1700 to buy a reg and wof`d bike from trademe to use until my bike is completed and then i have to give them the bought bike back when i get my own bike back im well and truly gutted pissed off farked off but they have you by the balls, at first NZI when i spoke to them were willing to pay out in full for my bike until they found out the value of it 5ok, hey the accident was not my fault i did not cause it, and i am the one that gets hammerd.
foodstuff have emailed me and told me that they are keeping an eye on the situation but i dont see that sortin or helpin me in anyway. i think in future i will just use third party insurance as the cost of $1220 just is not worth it for what i get in return, as it was the other guys fault third party would of been just as good as fully comp, i am carefull i dont ride like a loon so it dont pay to get the best cover, thats my thought im off to cry now fuck the stress of this week trying to get through this i think that i will build a cage around my bike before i take it out again, that is when i get it back.:blank:

:no::no::no:


o well gota go source a cheap bike anyone got one in CHCH area its cash !! PM me

take care all and beware of those nasty insurance snares:shifty:

[Matt_TG]

At least you have something from them, that's an offer on the table that you may find is unreasonable but it's a start. In order to get mobile again it could be the answer, and you don't have to worry about getting rid of it again.

I wish I could offer more advice but ultimately you are paying the price of owning a bike that is desired. If they were a dime a dozen you'd have parts here already but you wouldn't have the proud feeling of riding something special mate.

Dave, I think you should accept the offer, but still press for communication as to repair time and parts arrival. As the owner you have a right to know what's happening.

I just wish we could fast forward to when it's all over, and see you riding your baby and enjoying all that it offers! Then today will be a distant memory. Trust me on that mate.

[dmouse]

Hi and thanks for all your help mate, yes its a start and it gets me some wheels they left it allmost to 5pm so now nothing can really be done until next week, they have promised to keep me updated with emails on where parts are and where they are upto with things, but as the big fatman gets nearer there is no way i can see it being done before then, so if i have to ride round on something else for a month or so at least its wheels and im mobile again, its not the best solution but at least its one.

i will keep this thread going though as its just starting to generate some waves foodstuff are not too happy with NZI and thas a fleet policy so maybe it will cost NZI there i hope so they have not helped there client or sotred out the mess as you would expect, and for there claims manager to tell me to claim for full replacment then change his mind and his underpants when he found out the value of my bike, that is shocking he should of at least talked to IAG first before he said a word, i rekon he could have a warm arse next week. i have forwarded on the last couple of messages and a link to this forum to IAG,NZI,foodstuff so it might get interesting next week i hope so as i have not signed anything yet things could and might change for the better, who knows, but once again matt and all the others that have chipped in a big thanks for the support.

now while we have the subject going and you have a prob with your insurance get in there you never know we might get treated better and more reasonable true cover its your bike and your money jump in ive opend the door stick your foot in while the iron is hot.

regards and best wishes to all, i gota go find a bike thanks all

dave

[dmouse]

i am really surprised that you are all happy with your insurance company, i must be the odd one out here. never mind

[scracha]

IAG and all that NZI will offer me is $1700 to buy a reg and wof`d bike from trademe to use until my bike is completed and then i

That's is not a reasonable offer by any stretch of the imagination. If the 3rd party had written off your $50,000 car would they expect you to drive about in a $1700 car for months until you got your vehicle repaired/replaced? I think not. Your responsability is to minimise your expenses in getting from A to B. It would be reasonable to hire a motorcycle for a small period of time. For longer periods, it would be reasonable to either lease a motorcycle or purchase one and sell it once your bike is put right/replaced. The interest/fees on a lease/loan in order to achieve this is a reasonable expense that the 3rd parties insurance should pay. Remember to charge the bastards for all the letters and phone calls too.

Tell them you're quite happy to take them to court if they don't come up with a reasonable offer. FFS, you're only asking to hire a bike on the odd weekend to go to rallies whilst they put right THEIR insured's damage. Imagine what the claim for hireage would be had you been using the bike on a daily basis and/or didn't have a car like some other riders?

[fredie]

get a solicitor involved now . before its too late . these idiots are monkey robots that make up stuff too tell you . its there job . they were trained too behave like this . its disgussting.how they go about there work .a disgrace .there have been over a 1,000 people read this thread . the other post is right . if someone had a $50,000 car damaged and they offered that person $1,700 too buy a shitbox . most people would tell them too stick it and see them in court:oi-grr: hell . here in aussie . if you are a member of the NRMA and break down anywhere .they put u up in a motel and give u a hire car no worries. :no: and these robots are telling u a whole lot of lies .this IS a ficking disgrace . hire a bike or a car NOW . :oi-grr: SHAME ON THEM

[dmouse]

thanks for the advice but a lawer would take my arm and leg then the bike would be of no use erm maybe if they tool an arm from one side of my body and the leg from the other ? and there is an automatic harley on tardme ermm

lol no just jokin mate no you are right if we dont stand up to them they will treat us like shit, i am hoping it helps out some other biker so my efforts have not been in vain, i have sent this link to all parties involved from the boss of the guy that hit me, he works for foodstuff and there insures are NZI and my inurers are NAC, which is part of State insurance,NZI,IAG and other brother sister companies, i think they splitt up ao that they can hide our money and not pay out.

im still looking for some wheels anyone got a bike they wana sell or loan until proberly the new year !!! PM me

[scracha]

Check if your policy provides legal cover. If it does don't let them assign you one of their own solicitors. Remember, both insurance companies part of the same parent company soit's basically you VS them.

If you dont have legal cover then I dunno how it works over here but back in shitey blighty I used a "no win, no fees" guy and his fees were essentially added on to the claim. In the majority of cases they back down and stop dicking you around as soon as a solicitor gets involved.

[dmouse]

thanks for that as an ex pom myself, i never ever had a prob in the uk as there is so much competion and i never had a bin there either but then stop signs and give way both mean the same thing there or they did when i left.

ive spent all weekend trying to find a bike for 1700 and there are two i can find that i would stick my arse on and i am not having much luck with them so i will give up and throw it back at the insurance to sort out, shit i shouldnt be doing the work for them, i wonder can i charge a fee for time ect i must be at around 5k plus ovetime and stress about 10k i wonder !!!

thanks mate i will look into that tomoz

regards

[dmouse]

as i have had no luck in finding a bike forsale in Christchurch for the agreed amout of $1700 and i would of proberly of piched in some of my own money had a suitable bike been found, i have offerd money for a couple of bikes on trademe but the sellers are holding out.

so where does it leave me ?? looks like lawer time so i have written this letter to send to all parties involved IAG NZI NAC foodstuff ect please read and if i have missed something or not worded properly please advise and i will put it right before i send it to the above, ? thanks and regards to all


David O`Neill
26 O`Neill Ave
Northwood
Christchurch 8051

Tel.03 3526458
Email. datmouse@xtra.co.nz


NAC = National Auto Club
NZI = New Zealand Insurance
IAG = Insurance Australia Group

IAG New Zealand Head Office

Telephone:09 969 6000

Postal:
Level 11
151 Queen Street
Auckland

Customer (claims and policy enquiries)
For all enquiries about insurance claims and policies, please visit one of our brand websites.
State
NZI
NAC
Swann Insurance
Mike Henry Travel Insurance
DriveRight


Dear Sir/Madame

Re Registration REBL Harley Davidson Fatboy
Re Claim. NACW12548
As you are more than likely aware my motorcycle was badly damaged in a accident on the 5th Oct, the vehicle involved was Registration DBK361 driven by an employee of foodstuff NZ, there insurer being NZI, the police accident report number is 3764207, I have witness’s to the accident one of which is an off duty police officer, whom all place the blame on the driver, and the driver has admitted his fault in the accident.

Today’s date is 3rd Dec that’s over eight weeks since the incident, and to be honest I have not had much help from my broker (C G Rothbury) or my insurance company NAC, all that has been achieved to date is that, my motorcycle may be ready by mid December, but there is no guarantee that this will be the case, as the parts are being shipped by boat ?(third party liabilty should of been used.), they may not land on time, or clear customs and MAF before xmas, so more than likely it will be next year after the holidays before the bike is completed.

The motorcycle was placed for repair by the assessor for NAC, not me the assessor agreed to the repairs and payment for the work, all i was told was that the bike will be ready mid December, its not my fault the bike is there, accident or otherwise, its not my fault that parts have to be brought from the USA for repairs, or my fault that any delay is caused by your chosen shipping method, i pay my insurance to cover an item for a set price, i did not argue over the cost, i paid it now its up to you to carry out your side of the bargain, if you had to wait for my payment, would you mind if you had to wait almost three months for payment, i think not you would of canceled my insurance, and if i had of had a bump while waiting, i would not of seen you for dust.

You may ask why the rush to repair the bike, the bike is my only form of transport, as I have a disability I cannot drive a car/van, I do own a van but I cannot drive it because of my condition, if you would like proof of this condition please contact my GP Marc Sycamore at Mariehau medical centre Christchurch, Tel 03 3851935 I am sure he will confirm that I have this condition.I do not want to be treated different because of this
impairment, i just want to be treated fairly, not much to ask.

I have spoken, and emailed on more than numerous occasions with NZI,IAG and NAC (Rothbury)concerning this claim, my last conversation`s last week, one was with Nick Symes of NZI claims, who stated why can the bike not be written off if the claim is going to take so long to settle, and in another conversation with Kate Smith of IAG Claims, she did not agree to this as the cost of repair was less than 20% of the value of the bike, she agreed with Nick Symes of NZI to pay for a second hand motorcycle payment of $1700 to cover such a bike to be bought and then, resold when my motorcycle is repaired, to recover cost for the insurance company.

I at first agreed to this but after spending all of the weekend on various web sites and scouring papers, and for sale adds, it has not been possible to do this, it has been a very long and stressful weekend, on my behalf trying to resolve this on my own, I am disgusted with the lack of help and information from all the above companies.

I am now going to call my solicitor today and seek legal advice as to where I can go from here, unless you all agree to a deadlock with this claim I cannot go forward in anyway to resolve it, had any of you been willing to cover the cost (third party liability) of a rental motorcycle then this would not be a problem.

(legal costs are also supposed to be covered under third party liability)

I pay $1220 for my motorcycle insurance and another $300 plus my house and contents, and these policies go through Rothburys and onto NAC,NZI,IAG and all there offshoot sister/brother companies, in total I pay $2,942.64 per year in good faith that in the case of any unforeseen event I will be covered by the above companies, I now ask myself will I be really covered, as in the last year 13 finance companies have gone down, is insurance really a security, or is a case of penny pinching and cutting costs on repairs and slowing things down, in which ever case, I am totally disgusted with the lack of service or help on this matter, after all I am the injured party I was not the person that caused the problem.

All I want is mine, or a replacement bike or at the very least a rental/loan motorcycle to get around on until mine is repaired, and returned in pre crash condition.

A very disgruntled pissed off customer

David O`Neill



Had these fellow bikers from the below website of not offerd help and advice, i do not know how things would be now, many thanks to all involved.

http://www.kiwibiker.co.nz/forums/showthread.php?t=61745

[Matt_TG]

Very well written Dave, I hope things work out for you and you're back in the saddle by the end of the year. Good luck (again)!

[dmouse]

many thanks Matt spent a lot of time on that letter it as now been sent to all the parties involved, and i have sent copies to various newspapers and tvnz people have to know that there dollars are not being spent correctly. in fact i went on IAG`s website and i was stunned to see that if your over 40 clean licence and no claims you can have there elite motorcycle insurance at 40% off, now im trying to add things up here, im 49 50 on the 15th of this month, i have a clean licence no points no claims so whay am i paying the same company through a broker $1220 a year, and this advertised elite insurance is especialy for higher cost bike like ducati and here goes harley davidsons.

i gota pause getting exited and startin to drool here lol so if i am on this elite insurance and my insurance is allready 40% off then that would mean my insurance should be around $2700 at normal cost someone somewhere has a math problem ???

such is life thanks matt i will pm you if anything important comes up where i need to tap into more info thanks

[dmouse]

lol you did mean this year didnt you mate !!!!:Playnice:


Very well written Dave, I hope things work out for you and you're back in the saddle by the end of the year. Good luck (again)!

[Pancakes]

Yeah lay it out to a lawyer and see if they will work no win no fee. Chris Comeski (sp?) in Auckland would probably be a good start for this type of thing.

[dmouse]

if you know and can recomend this person then tell him to give me a call, im still waiting for my lawer to call me back, either the water is too deep for him or his life is complicated enough at this time of the year either way he will lose out.

thanks Pancakes and my details are all on the letter above/previous post if he wants to try the water.

thanks again

dave



Yeah lay it out to a lawyer and see if they will work no win no fee. Chris Comeski (sp?) in Auckland would probably be a good start for this type of thing.

[Pancakes]

Can recommend him on the basis that he was recommended to me by the husband of a friend. The husband happens to be a QC and the case I wanted help with was when I got hit by a bus on my push-bike (real bike, heheheheh). They said he would be the best person for the job and the cost would be covered by legal aid - the other party.

They finally came to the party just before I was going to have the first meeting with him and just after I had mentioned his name to their lawyers so he must be ok.

Don't know him like I could get him to call you but if you give him a bell I'm sure he will have a listening ear.

[dmouse]

i gave up on my lawer he never even had the decency to call back, i have called and emailed the ombudsman but i dont hold much faith in these people as there paid with our money by insurance companies, contacted another lawer who is on lunch and lattie at the moment however i have had nothing at all from any of the companies involved which is hardly surprising, i will try and keeps things updated as they happen.

i just thought this thread has had over 1000 hits so i hope thats over 1000 less people that use these companies for insurance, but then again they own the full playing field so not really cricket is it !!!!!

[dmouse]

ok i give up lawer says unless a deadlock can be reached there is nothing that i can do unless i want to throw loads of money at a multinational company i cant win there, insurance says that we have not reached a deadlock as my parts are on there way though it be a slow way on a boat somewhere in the pacific !!! though they tell me in future they will offer air frieght to other claimants though it does not help me at least someone may gain out of this.

as for me my hands are tied i cannot go forwards or backwards they will buy a bike at a reasonable cost ? last amount of money spoken about was $1700 that they will resell to recoup there money back, i just have to wait for them to source and purchase the bike, i have thrown some at them from trademe to look at.

to be honest im pissed off deflated and at a total loss, i am at the mercy of them and there rules, we as insured parties have little right the ISO or ombudsman will do nothing for you unless a deadlock is reached, and the insurance people will not agree on something that is unreasonable to them, in todays age and the postage/frieght or courier systems there should be no excuse for any delay for parts or whatever, also these parts if they need to be shipped should be coverd by the "third party option" as a part of any policy.

you as the comsumer HAVE to make these clear when you take on insurance or at least read the small print, this does not affect me in this case, but in all honesty this cockup was made by the assesor when he removed the bike from Rolling Thunder and placed it where it now sits waiting for parts. he and his company should be liable for costs for this or rental of alternative transport, i give up its up to you now you can make a difference when you purchase your insurance its your dollar and your bike. make sure you have everything clear when you take on insurance and this means if in the event of repairs needing to be made under insurance accident/claim that frieght is included for the parts if they have to be shipped from overseas, so its not just harleys im talking any euro usa or exotic bike its your dollar.

im done good luck

[scracha]

insurance says that we have not reached a deadlock as my parts are on there way though it be a slow way on a boat somewhere in the pacific !!

Deadlock or not. I can't understand why your lawyer isn't pushing them to accept your reasonable expense of a hired, leased or realistically priced temporary motorcycle.

Have I got crossed wires here or is the $1700 offered yours to keep? If so, it will cover about 17 days hire costs or interest charges on a bank loan for a temporary alternative....but what the hell can you buy these days with that sort of money? I see pushbikes going for more.

[fredie]

lets just say . what if it was a $50,000 car .owned by a yuppie . i think the outcome would be differate . the thing i dont understand is . you are out of transport . you are suffering in no fault of your own . that insurence company really are monkey robot scum

[quackquack]

lets just say . what if it was a $50,000 car .owned by a yuppie . i think the outcome would be differate . the thing i dont understand is . you are out of transport . you are suffering in no fault of your own . that insurence company really are monkey robot scum

I have a $47,000 car my policy allows for a rental car for 14 days at $45 a day good luck renting a bike for that much a 50K car is not an expensive car at all.

Hope it all goes well Dmouse, good luck for Christmas and Happy holidays for your family I'm sure this is making it unpleasent for them and all of us should remember the Families at this time of year.

[dmouse]

lawer says that until or if the insurnce will not agree to deadlock there is nothing that can be done by him or the ombudsman (ISO) because the parts are on order means that the process is being followed and therefore not in deadlock, yes they originaly offerd me $1000 towards the cost of a rental but with the deposit being $400 and with there insurance and addons it would not leave much left for more than a day or two ??, so i suggested the idea of buying a runaround bike from TM or where ever, at first this was left at 1k but like you say you cant buy much that is fit for the road for that money, i got the amount changed to $1700 as there was a couple of bikes on TM that would of been suitable but being an auction and no buy now on the items it soon passed the amount allowed, so now i have put the ball in there court and told them that i will ride anything over 250cc as long as it has reg and wof, but they have to buy the bike and pay for it extra, as they want to resell the bike when my bike is repaired to recover there losses, so not the money and bike is there and will remain theres.

not much help or service for your money this is a so called executive elite policy that i pay$1220 for and what have i had to be honest nothing but trouble stress and heartache, but the cruncher is the accident was not my fault that was some nice guy from foodstuff

justice what the hell is justice !!!!! its just a word that is abused like so many other words empty and meaningless like insurance just a word it covers nothing that you think it does we might as well just use third party as long as the accident is not your fault your ok as acc will take care of medical costs ect and as useual the accident is proberly not your fault so you would be coverd under the cage drivers insurance if he has any.




Deadlock or not. I can't understand why your lawyer isn't pushing them to accept your reasonable expense of a hired, leased or realistically priced temporary motorcycle.

Have I got crossed wires here or is the $1700 offered yours to keep? If so, it will cover about 17 days hire costs or interest charges on a bank loan for a temporary alternative....but what the hell can you buy these days with that sort of money? I see pushbikes going for more.

[dmouse]

lets just say . what if it was a $50,000 car .owned by a yuppie . i think the outcome would be differate . the thing i dont understand is . you are out of transport . you are suffering in no fault of your own . that insurence company really are monkey robot scum

it would not make any difference my bike is worth 50,000 im not a yuppie im 49yrs old pay top dollar for a service that i dont get, im just a ripped off consumer like all you other bikers out there and i hope not but if you have an off due to an accident thats not your fault, you try and get rental bike from your or there insurance. the problem in NZ is that STATE,NZI,NAC,IAG which are the major players in insurance here in NZ, we have no other choice my whole deal was stuffed by the assesor putting my bike in for repairs and authorising the repairs and ordering parts, there was NO discusion with me on how these parts would arrive or length of time it would take for these parts to arrive, its been nine weeks now and to be honest there is not much hope of it being ready before the new year, proberly around begging of Feb with holidays and stuff.

yes i am out of transport and i have been stuck in for nine weeks, i have a van but i cannot drive it as i suffer from chlaustophobia and i get physicaly sick and lieraly throw up.

yes you are right about scum i agree totaly with you but i have tried every option even a lawer but it would mean i have to sell my home to fund that and what hope would i have against a multinational of this size, i might as well piss the money against the wall at least id have a hangover to remember where as i pay insurance and have no bike no cover no life and no faith in them or the system. im pissed off at foodstuff as well because it was one of there employee`s that caused the problem and they could of put enormous pressure on NZI to sort this out, so to them all i can say is merry xmas sleep well.

[Finn]

lets just say . what if it was a $50,000 car owned by a yuppie i think the outcome would be different

You can buy cars that cheap?

[dmouse]

I have a $47,000 car my policy allows for a rental car for 14 days at $45 a day good luck renting a bike for that much a 50K car is not an expensive car at all.

Hope it all goes well Dmouse, good luck for Christmas and Happy holidays for your family I'm sure this is making it unpleasent for them and all of us should remember the Families at this time of year.

thanks mate in reality a good bike at 50k is not expensive, but $1220 per year is expensive, i have no claims no points on my licence and had a class 1,6 for over 35yrs. and they kick you in the nuts and the hard part is that its not your fault and you get screwed over and treated like shit.

NZI,NAC,IAG and Foodstuff i hope that you all have a very merry xmas and please do not choke on your turkey, and i hope that santa gets you what you really deserve " A CONSIENCE"

[dmouse]

i have written this as a xmas message for my insurance company opps im sorry there not my insirance company i dont own them they just represent me, i think here goes.


I would like to take this opportunity to wish you all a very merry Xmas, i really hope that you all, get what you deserve for XMAS i hope that the first present that you open.

is a conscience, so that you better understand that you too can make mistakes, and that these mistakes how ever minor to you are major to other people.

The second present

that you open should be truth and honesty as we the poor and lower class, we value this so much that we run our lives on it most of the time, where you only require this when it suits you, or for a get out clause to save a dollar.

Third and finally

Responsibility because unlike you we have to pay for our mistakes, and those that mistake against us, even if they have the power and the glory of insurance, at there back, Do not use this mighty insurance as a shield, for we the insurance make and break the rules as we see fit. We the mere mortals have no faith for the coming and the glory of insurance, as the dear lord will all ways make changes to our policy and the said quote will never be what you want, even though it be in writeing.This we can allways change.
and those mega companies that feed off of us mere humans, may our dollars all ways make you fat from the land of accidents.

may the Almighty dollars of these policy holders make the roads more obscure for them, and that whatever you can do to improve customer relations be done to create chaos and misunderstanding.
do not admit liability to anything, in the event that you slip and admit such liability, we will make matters harder for the third party by whatever means we can, if it be by delay and lack of information and confusion we will prevail and delay to the very end.

so by the grace of the almighty dollar and the father policy may the rewards and high premiums be good to us all at NZI,NAC,IAG


a very merry xmas to all as i know mine is allready spiolt. but dont worry im insured !!!! for what i do not know.

David O`Neill

[Pancakes]

Could the insurance co. arrange some kind of buy back deal with a bike shop. As they're normally charged /Km it would be cheaper than renting one day by day and even though there would be substantial outlay it would be a sure thing at the end of the deal.

I'm not trying to make light of your condition but if they get you a car you could score a convertable? MX5 or something and have more air around you than any bike helemt will allow. Yeah they're gay but they go ok and will get you around in the mean time, same again, lots of dealers would sign a buy-back I'm sure.

[dmouse]

Could the insurance co. arrange some kind of buy back deal with a bike shop. As they're normally charged /Km it would be cheaper than renting one day by day and even though there would be substantial outlay it would be a sure thing at the end of the deal.

I'm not trying to make light of your condition but if they get you a car you could score a convertable? MX5 or something and have more air around you than any bike helemt will allow. Yeah they're gay but they go ok and will get you around in the mean time, same again, lots of dealers would sign a buy-back I'm sure.

this is an exellent idea mate, but as allways we have these inspirations when its too late, i have just agreed to ride around on a suzuki 250 bought from trademe by the ones who have so much power, "The Inusrance "for $2200 as its the only one with a buy now on it in my area within the cost limit, this i have to give to the repair shop when i collect my bike when its back in its pre crash condition.

So if you see a Green 1973 GT250 suzuki going round Christchurch its me and my rental bike paid for by the MOB sorrt i meant the insurance just a thought is that not another word for protection money ??? as in the MOB Fu$k i had better get some protection i mean personal protection like armour i cant afford more insurance/protection as my rego is now due on the bike that i have only three monthes use out of this year so far due to repairs that are not my fault, protection opps insurance slow ups. oh well now where did i put that chain mail !!!

a softop would of been a good option and if i did throw up i could spray cages push bikes lol that would of been fun and made up for some of the shit they have put me through great idea mate and many thanks for the thought

[stevensaaron]

Hi just wondering how its going, have you heard from the insurance yet.

I am having a similar problem. I was thinking about accepting their offer but after reading this thread and this thread: http://www.kiwibiker.co.nz/forums/showthread.php?t=49577 i think i will fight it. here is my story below

any help would be appreciated.


If the claim is deemed to be "not at fault" on your part, you would not be penalised.

in the beginning of Nov I was riding along the road on my 'Suzuki GSX 250 Across' when a guy was driving erratically behind me e.g swaying behind me, accelerating behind me. then he passed me on the left hand side of me and got really close to me forcing me to go into the centre road Island that has plants and trees. I was travelling 50 Km in A 50 Km zone. I hit a couple of trees (I was not hurt, thankfully). and he drove off. there was a man walking along the footpath who saw the whole thing happen and ran over to help me pick up the bike. Neither of us were able to get the Registration of the Vehicle. while we were exchanging names and numbers the guy who ran me off the rode had come back. the witness had to go so he left us talking. I asked the driver of the vehicle who forced me off the rode if he had a pen and paper, he went and got one but then asked me what for and I told him it was so I could get his/and vehicle details to claim on Insurance. (no police were involved). The next day I went to make a police report but it was filed and nothing was done about it (something about they don't investiagte insurance accidents). He was and still is claiming it was not his fault. any way I took it to a client from work who does insurance work for a quote assessment. and after a lengthy process of waiting for the Insurance company, They are writting it off they first gave me an offer of $2,500 minus an excess of $500, and me and my dad had a real go at them beacuse it was too low they then offered me $3,500. minus an excess of $500. (I bought it for 4,600 at christmas 2006, 11 months before the accident, I had insured my bike for $4,600 The bike is a '1993 Suzuki GSX 250 Across' when i bought it, it had about 12,000 Kms on the clock and pretty much perfect condition & well serviced, it had about 20,000Km when I had the accident and still in the same condition, how can the 'pre-crash assesors tell what it was like before the crash when all they see is the crashed result?) it's rare bike in New Zealand and I am still not happy with 3,500, I would like to get at least what i paid for it, or no less than 4,000, what can i do about that? Also I shouldn't be paying the excess because it wasn't my fault, but because He isn't claiming Liability (he even told the my insurance that i intimidated him, that's like trying to say that an ant intimidated a lion.) even though I have a witness who said it was his fault, I still have to pay the excess. The driver didn't touch me he just got so close to me, so he didn't have any damage to his vehicle(a 4x4 nissan ute) so he hasn't the need to go to his insurance. What do I need to do? If i have to accept the 3,500 minus 500 excess that they have offered is their any way that i can "sue" the other guy for the loss of my bike value and excess.
also what is supposed to happen to the bike after they write it off? They are saying that if i want the bike back It will cost me $200
I am insured through a brokerbut i think that i might speak direct to the insurance company.

cheers
Aaron.

[fredie]

speak too a solicitor . and buy the bike back for peanuts .resale

[stevensaaron]

I think the insurance company that the broker goes through is NZI. I think that i might threaten to close my cover with them and go some where else if i don't get the result that i am after. the main thing that i am really angry with is that the driver is saying that he is not at fault and even though i have a witness that says he is I am the one who has to do the running aound. The broker said that if i din't like the result that I need to go to the disputes tribunal, They aren't trying to help me at all, they are just taking my money and then try to screw me with pathetic offers. All while the driver is having nothing done to him. and he still gets to drive his car, while i am waiting to get another bike. I don't mind it being written off, I was going to sell it soon anyway, I am going to get a Hyosung GV250 So i need all the money I can get.

[Oscar]

Hi just wondering how its going, have you heard from the insurance yet.

I am having a similar problem. I was thinking about accepting their offer but after reading this thread and this thread: http://www.kiwibiker.co.nz/forums/showthread.php?t=49577 i think i will fight it. here is my story below

any help would be appreciated.



in the beginning of Nov I was riding along the road on my 'Suzuki GSX 250 Across' when a guy was driving erratically behind me e.g swaying behind me, accelerating behind me. then he passed me on the left hand side of me and got really close to me forcing me to go into the centre road Island that has plants and trees. I was travelling 50 Km in A 50 Km zone. I hit a couple of trees (I was not hurt, thankfully). and he drove off. there was a man walking along the footpath who saw the whole thing happen and ran over to help me pick up the bike. Neither of us were able to get the Registration of the Vehicle. while we were exchanging names and numbers the guy who ran me off the rode had come back. the witness had to go so he left us talking. I asked the driver of the vehicle who forced me off the rode if he had a pen and paper, he went and got one but then asked me what for and I told him it was so I could get his/and vehicle details to claim on Insurance. (no police were involved). The next day I went to make a police report but it was filed and nothing was done about it (something about they don't investiagte insurance accidents). He was and still is claiming it was not his fault. any way I took it to a client from work who does insurance work for a quote assessment. and after a lengthy process of waiting for the Insurance company, They are writting it off they first gave me an offer of $2,500 minus an excess of $500, and me and my dad had a real go at them beacuse it was too low they then offered me $3,500. minus an excess of $500. (I bought it for 4,600 at christmas 2006, 11 months before the accident, I had insured my bike for $4,600 The bike is a '1993 Suzuki GSX 250 Across' when i bought it, it had about 12,000 Kms on the clock and pretty much perfect condition & well serviced, it had about 20,000Km when I had the accident and still in the same condition, how can the 'pre-crash assesors tell what it was like before the crash when all they see is the crashed result?) it's rare bike in New Zealand and I am still not happy with 3,500, I would like to get at least what i paid for it, or no less than 4,000, what can i do about that? Also I shouldn't be paying the excess because it wasn't my fault, but because He isn't claiming Liability (he even told the my insurance that i intimidated him, that's like trying to say that an ant intimidated a lion.) even though I have a witness who said it was his fault, I still have to pay the excess. The driver didn't touch me he just got so close to me, so he didn't have any damage to his vehicle(a 4x4 nissan ute) so he hasn't the need to go to his insurance. What do I need to do? If i have to accept the 3,500 minus 500 excess that they have offered is their any way that i can "sue" the other guy for the loss of my bike value and excess.
also what is supposed to happen to the bike after they write it off? They are saying that if i want the bike back It will cost me $200
I am insured through a brokerbut i think that i might speak direct to the insurance company.

cheers
Aaron.


1. You probably shouldn't have to pay the excess. Most insurers have a rule that if an "at fault" third party is identified, the excess is waived. However bear in mind that the excess is the uninsured portion of this risk that you accepted when signing the proposal, so you can't make them act on this issue. Having said that, whereas you are out of pocket, the insurer has a lot more to loose - why aren't they going after the third party?

2. Generally, when the settlement amount is in dispute there is a procedure whereby you are able to value the bike by getting your own dealers estimates. Ask the assessor.

3. Apart from the expensive option of a Solicitor, you might like to try other cheaper options first - the Insurance Ombudsman and the Small Claims Tribunal.

4. There are Brokers and Brokers. Some are just Life Insurance guys trying to upspec their image, and some are flogging a particular policy in an effort to maximise their business (and consequently their brokerage) with that particular insurer. Go direct to the insurer, as that is guaranteed to piss off the claims department.

[scracha]

I think the insurance company that the broker goes through is NZI. I think that i might threaten to close my cover with them and go some where else if i don't get the result that i am after. the main thing that i am really angry with is that the driver is saying that he is not at fault and even though i have a witness that says he is I am the one who has to do the running aound. The broker said that if i din't like the result that I need to go to the disputes tribunal, They aren't trying to help me at all, they are just taking my money and then try to screw me with pathetic offers. All while the driver is having nothing done to him. and he still gets to drive his car, while i am waiting to get another bike. I don't mind it being written off, I was going to sell it soon anyway, I am going to get a Hyosung GV250 So i need all the money I can get.

It's not really anything to do with the broker. Standard Insurance co practice seems to be to make a derisory offer, up it a little bit and then pretend that's all you're likely to get.

There's 2 parties involved....his insurance company and yours. If your insurance company isn't squeezing his insurance company hard enough (probably if they're owned by the same company) then do it yourself.

Get a lawyer to (or just do it yourself) write the 3rd party (and cc your insurance co) a strongly worded letter stating :-
a) you have an independent witness
b) that under no circumstances will you be taking responsability for the accident
c) you won't accept a 50/50 knock for knock
d) the 3rd party will be paying the excess
e) The full amount you are claiming (bike damage, clothing, bus fares, etc etc)
f) You WILL take this to disputes tribune if they don't respond with a satisfactory offer within 14 days.

Make sure you DO take them to the disputes tribuneral if they don't respond. I would assume as soon as they receive their summons the 3rd party insurance co will just pay up.

Also go back to cops involved and ask them why they're not prosecuting a driver who undertook you and caused an accident? Is filtering on the left hand side only legal for car drivers?

Again, it shows that there's no point in being fully comp in this country.

[dmouse]

the biggest problem is that they do not work for there client and this is wrong, that should be there first objective to make sure that there client is ok then if you are not at fault your broker/insurance should go for the best deal for you not the other person as seems to happen here in NZ it sucks big time

[Conquiztador]

its a game they play with our money and our lives,

i have just come off of the phone with IAG and all that NZI will offer me is $1700 to buy a reg and wof`d bike from trademe to use until my bike is completed and then i have to give them the bought bike back when i get my own bike back im well and truly gutted pissed off farked off but they have you by the balls, at first NZI when i spoke to them were willing to pay out in full for my bike until they found out the value of it 5ok, hey the accident was not my fault i did not cause it, and i am the one that gets hammerd.
foodstuff have emailed me and told me that they are keeping an eye on the situation but i dont see that sortin or helpin me in anyway. i think in future i will just use third party insurance as the cost of $1220 just is not worth it for what i get in return, as it was the other guys fault third party would of been just as good as fully comp, i am carefull i dont ride like a loon so it dont pay to get the best cover, thats my thought im off to cry now fuck the stress of this week trying to get through this i think that i will build a cage around my bike before i take it out again, that is when i get it back.:blank:

:no::no::no:


o well gota go source a cheap bike anyone got one in CHCH area its cash !! PM me

take care all and beware of those nasty insurance snares:shifty:

Can not believe this sheit!!! $1,700, and U have a HD!!! Time to visit them, with a shotgun!!

[Conquiztador]

After reading the whole thread (yep!!) I can only say this:

I have never in my whole life had an insurance for any of my bikes or cages. At any time I have been in an accident it has always been the other parties fault and I have ALWAYS got the police involved.

I have saved, what.. say $1000/year over 35 + years... My bikes have mostly been of the type that have been tricky to insure anyhow: Custom ones.

Not saying that my approach is the one to take. But after reading this thread...

And one more thing: To have a HD off the road as a result of an accident for more then 2 weeks is BS. The parts are here, the guys that can fix it are here. Sheit, I'll do it for ya!! Just a JD (or two..)

[scracha]

After reading the whole thread (yep!!) I can only say this:

I have never in my whole life had an insurance for any of my bikes or cages. At any time I have been in an accident it has always been the other parties fault and I have ALWAYS got the police involved.

I have saved, what.. say $1000/year over 35 + years... My bikes have mostly been of the type that have been tricky to insure anyhow: Custom ones.


Interesting, but until I have a couple of million sitting in the bank then 3rd party insurance isn't a bad idea.

[fredie]

whats happening with these bloodsucking parasite scum

[dmouse]

at the moment and for the last few weeks ive been riding round on a 1973 suzuki GT250 a nice green metalic colour thats leaves a nice smoke trail of two stroke oil behind me, this was provided to me by my insurance company arnt they so kind to there customers that pay 1200 a year for insurance on there beloved hd but never mind i got an email on the 14th of decemebr i know because i was 50 on the 15th never mind but arlen ness had not sent the headlight and the insurance was running around in circles tryin to locate another one or work how to get the one from arlen`s store in the us of a.
so when do i get my bike back i duno it all depends on when everything gets back to normal ?, that is when everyone returns to work, then the stuff will have to go through customs maf and then onto the repair shop. and then onto inspection by me and the assesor to approve the work done to repair back the bike to as it was pre crash, how it will ever be the same to me is hard to think about as nothing can ever really be as it was it can only be close. but never mind if and when i get my bike back im getting amber lights to place on the sides of the bike so i get noticed and im found this high brake light for bikes that works off of a remote on your brake light, and when you use your brake it lights up six super bright leds that are supposed to go on your helmet but im going to mount the strip on my back between the shoulder blades at cage drivers eye level nowt else i can do to get noticed short of riding naked officer im trying to stay safe and make sure that im seen to be safe lol o well i will post when i get the bike back and if you want any more info pm me i aint going far on that 250 though i used to have a 380 of the same model a long time ago o well best of luck to you all for the new year and be carefull out there !!!

happy new year to all

[dmouse]

Hi guys n gals hope you all had your fill of merryment and are now sober and back to the grind of everyday drudgery....

ok as an update i had to phone my insurance IAG on friday to find out where everything is upto and now im told that there are two parts short to complete the rebuild of my bike, its funny bet before xmas it was a headlight holding things up ??? now im told that a lever and a bracket is holding things up, i have not been givien a completion date as of yet, and my contacts with the repairer have gone unanswerd im at a loss totaly pissed off this 250 that was supplied to me is now not starting good spark so its down to gas a blockage or something, im so pissed off i cant be botherd lifting a spanner to sort it out.

take care all out there you cant ride for yourself anymore you have to ride for the morons in cages allways check at least four cars in front and behind and watch them like a hawk cos one of them will do something stupid sooner or later o and dont forget to keep an eye on the sides of the road aswell idiots tend to lurk there as well, to ride you have to find open road and then onoly ride to your limits or you will either fill your pants or end up in a field with your rear wheel stuck in the back of your head, you are in control its in your power how you ride you cant blame the tools thats only a lame excuse you make to your insurance after the fact that is if you live and survive take care

dave

[ajturbo]

i think the MAIN reason for the hold up IS the harley group,
new zealand Harley shops are NOT allowed to talk to each other, they have to phone th eorder through to Aussy... who then wait till a container full of orders have been supplied... they then fax usa ( who really don't know what faxes are!)
then when they (usa) get around to it, they may get to send out the parts... if they want to..

but what me and a few other do is...

go online and buy our parts from the internet.. NOT from Harley, 10 days later your part is at your door at HALF the price!..
tell THAT to the insurance co....
but their answer?..... sorry cannot do that, have to go through proper channels.... wankers (little do they realise that they will save hundreds of thousands of $$$ a year IF (IF!!!)they let you do that!!!!!

[dmouse]

i think the MAIN reason for the hold up IS the harley group,
new zealand Harley shops are NOT allowed to talk to each other, they have to phone th eorder through to Aussy... who then wait till a container full of orders have been supplied... they then fax usa ( who really don't know what faxes are!)
then when they (usa) get around to it, they may get to send out the parts... if they want to..

but what me and a few other do is...

go online and buy our parts from the internet.. NOT from Harley, 10 days later your part is at your door at HALF the price!..
tell THAT to the insurance co....
but their answer?..... sorry cannot do that, have to go through proper channels.... wankers (little do they realise that they will save hundreds of thousands of $$$ a year IF (IF!!!)they let you do that!!!!!

i did exactly as you said above, i contacted www.customchrome.com who supply loads of harley custom parts and even Arlen Ness parts, i gave all the info to the repairer and left it upto him, he is not a harley dealer, the bike was placed with him after RollingThunder (Eric Woods) said it would be three weeks before they could look at the bike !!!, so it was placed with Christchurch motorcycles and the rest has been delays with suppliers not sending full orders, parts missing and some parts not fitting properly, i dont blame CHristchurch motorcycles at least they got stuck into the job from day one, what it all boils down to is tight fisted insurance companies scrimping on frieght, they orderd the parts to be deliverd by normal frieght, which is boat/ship, instead of useing air frieght.

i got an email this afternoon and i am told the bike will be back with me on monday the 21st of jan a week today so i am not building my hopes up to be shot down again, i will believe it when its back inbetween my legs where it belongs yes its a pure sexual thing lol hey at least i admit it take care

dave

[scracha]

It's beyond funny now. I hope you find the time to publicise this farce. Maybe some of the c@r mags might print this sorry tale

[dmouse]

well still no sign of my bike im told saturday the 26th of jan now thats over four months im well and truly pissed off the suzuki has dumped its load and im back to shoe leather this is what i get for paying allmost $1200 for insurance a year i bet if it was me at fault the bastards would be at my door with baycorp looking for stuff to flog to get there money i will keep posting

regards all

dave

[Dino]

What a nightmare :sick:, I feel for you, I hope you get it back soon. :soon:
.

[Conquiztador]

I sincerely feel for you. Surely there is something you can do? Is there not an Insurance Ombudsman you can contact??? Or the dreaded Fair Go???

[dmouse]

i did contact the ombudsman and there was nothing they could do as my insurance company would not agree to deadlock my broker did but IAG would not.

however got my BACK today and been for a good run cleaned out all the cobwebs and its awsome great to be back in the saddle im as happy as larry just hope cage drivers see me im adding extra amber lights and a i found a really cool highstop light that fits onto either your helmet or jacket it works without wires in going to fit it on the back of my jacket its pretty flat and not really noticeable until the six leds light up so fingers crossed and thanks to all you guys and girls for all the support its been a long wait im going to get as much use of the bike as i can so maybe see you on the road take care

thanks again to all and the best regards your all the best :first:

dave

[Matt_TG]

Your patience is amazing Dave, thank god your baby is home, enjoy riding mate, hope it goes well for you!

[homer]

i have full comp but it does not and will never cover a replacement bike, i have argued this with my present company and the previous had the same policy, they cant get it through there heads it was not my fault but it is me that has to suffer tough shit i guess, until more bikers damand this on there insurance it will not be available to us.

You can always take the person to court and get them to pay for the hireage of another bike
or tell your insurance to get them to pay for it

did you claim any damaged clothing from the person in the wrong ...i would have ...and have before now

[Conquiztador]

Glad you have her back. Perhaps now is the time to look around for an insurance Co that provides better service...

[Dino]

i did contact the ombudsman and there was nothing they could do as my insurance company would not agree to deadlock my broker did but IAG would not.

dave


IAG is the parent company of State Insurance, I second Conquiztador, maybe now is the time to look for a better insurance company.

Glad you have your bike back, finally

[dmouse]

the problem with IAG is they own very much the market as they own NZI State and a few others, i used star brokers last time and they were through NZI that repair took seven months, its crazy really i have had the bike for 16 months and only rode it on the road for five !! two accidents both not my fault and so much time taken in repairs it dont figure, now here is the next thing that has happend got the bike tuesday afto went for a good ride noticed headlight was not working main ben was ok so i thought simple bulb change lol not on this bike i takes of the rim and tries to take out the headlamp finger slips and i gash my left ( im a lefty ) hand on the inner rim, middle finger right in the first knuckle joint down to the bone, fuk so its off to the A&E as its the joint and has to be stitched, i got there at about 8:30pm and had to wait for a surgeon as i had cut into the bone, he had to open it up to check the tendons, i was lucky ? i had cut the from top to bottom so he had to make sure it was clean and washed it out with heaps of sterile water and stiched it up, now i cant bend the finger its going to be a few days until its well enough to use the clutch as it leaks when i bend my finger.

im begining to think that this bike is cursed or made from the left overs of Christine !!! i gotto have some good luck soon i think i deserve it.

take care all if i see you on the road i salute other bikers i gave up waving just so you know its me.

[Conquiztador]

Broke my left wrist long time ago. Ended up with a cast. So I twisted the Bonnies clutch so it stood straight up and then I was able to push it down with the cast. But the cast did not like that. After a few days it started falling apart. So I modified the cast and fitted a steel bar along it. 4 months later (and a few casts later) they removed the last cast and all screws and I missed no riding!!

Where there is a will there is a way. ;-)

[dmouse]

thanks for the tip i just tried it but my clutch cable does not have enough slack to allow it, the cable is getting pulled tight into the tank, i can get more if i reroute the cable but will be awkward with one hand and a couple of fingers i will keep working on stretching the skin until it stops leaking thanks again and regards

[Dino]

Man when shit happens it happens in a big way:argh:, I hope the healing doesn't take too long.

The bike may be cursed as you said but I have to disagree with you, its not Christine, wasn't she able to repair herself?


Hope your back on the bike soon.

[dmouse]

thanks DINO im gettin there stretching the joint until it gets really painfull and not leaking i think maybe tommorow it will be good enough as for christine maybe i got the reject parts lol take care mate n regards

[dmouse]

ok im back on the road again stitches out on friday finger is workin good cant get my gloves on yet and i will feel safer when i can other than that its great to be back thanks all hope to see some of you on the road take care its a real pain without wheels :woohoo::woohoo::woohoo:

[fredie]

good too finally here u have the bike back:scooter: now fully load your guns an go hunting insurence parasyte scum:2guns:

[dmouse]

good too finally here u have the bike back:scooter: now fully load your guns an go hunting insurence parasyte scum:2guns:

lock an load thanks mate take care have a good one hope to see you on the road one day

regards
dave

[dmouse]

mu insurance runs out on the 12/03/08 got a phone call last week they do not want to offer me cover any longer as, i offended the people that worked on my accident and there lack of speed and there lack of information and not taking my offers of help into consideration, like when i offerd to pay towards costs of airfrieght, so im the big loser here as i have been declined cover by them, and as i have been declined cover other companies are looking at ripping me off AMI topped the list with a quote of $4825.00 for full cover i dont understand i was the innocent party i have a clean licence never had a ticket full licence for over 35yrs yes im 50 and the bastards are nailing me to the fence.

what are my options !!! third pary or no cover sell my custom bike and get a cheap bike i dont know im just so pissed off with everything and i mean everything

[Conquiztador]

Package insurance. House, contents, car, bike etc. All with same company. That normally get them interested.

I think there is some people on KB that deal with insurance. Have seen it mentioned before. Do a search.

Don't let them beat you!!

Good Luck

[Dino]

What a nightmare, have a look at this site and see if they can help at all.

New Zealand Insurance & Savings Ombudsman ("ISO").

http://www.iombudsman.org.nz/

With the time it took to get the bike back I am sure they can have a little bit of understanding about your situation.

I know what you mean, once you are turned down by one insurance company no one else wants to touch you no matter what the reasons are.

.

[dmouse]

Package insurance. House, contents, car, bike etc. All with same company. That normally get them interested.

I think there is some people on KB that deal with insurance. Have seen it mentioned before. Do a search.

Don't let them beat you!!

Good Luck

i have a broker mate, i think that gives them the licence to make me broker ?? im talkin to my lawer tommorow about it, im sure fairgo or any news reporter would just love the story leading insurance company bl bla bla at least the sun will shine tommorow and i have cover until wedensday then ?????

regards

dave

[dmouse]

thanks for the idea but i went there on friday no go, you see the insurance companies pay there wages so it dosnt pay for the ISO to rock the boat

thanks anyway

by the way kiwibiker insurance is trying there best but struggleing seems they dont like custom bikes that are used and not just for show ?? i cant afford two bikes so i might have to sell up if i cant get cover, i have far too much money invested in the bike to ride naked with no insurance life really sucks and ive bin kicked in the guts and im struggling to get back up.

well and truly pissed off

thanks



What a nightmare, have a look at this site and see if they can help at all.

New Zealand Insurance & Savings Ombudsman ("ISO").

http://www.iombudsman.org.nz/

With the time it took to get the bike back I am sure they can have a little bit of understanding about your situation.

I know what you mean, once you are turned down by one insurance company no one else wants to touch you no matter what the reasons are.

.

[quackquack]

So have you stayed with NAC Dmouse and what would you say about them cause I got offered a cheap premium from them, from what you have said I should stay with who I'm with.