How long is reasonable to wait for insurance?

**cowboyz** · 25th June 2010, 13:47

I am naturally a really impatient guy. I like stuff to happen yesterday! Especially when its to do with my bike.

So advice on time frame. If I crash my bike then what is a reasonable time frame to let the insurnace do their job before packing a big mental that they arent doing enough?

a week? 2? 3? month? 2 months?

**devo** · 25th June 2010, 14:30

I think a lot of it has to do with whether or not you are at fault or not and how clear cut every thing is.
My wife recently was involved in a 5 car nose to tail ( she was no 3 ) and we had the payout in the bank 6 days after the accident.
However, had she been no 5, it may have been different.

**Mully** · 25th June 2010, 14:37

Depends how sharp your insurance guys are too - they need an assessor to have a look, and file his report (can it be fixed or is it stuffed - which probably needs pricing)

Over a certain $$ value, the settlement probably needs authorisation from a manager, then passing to finance.

At a guess, if it's a write-off, probably a couple of weeks is reasonable.

**KoroJ** · 25th June 2010, 18:47

Problems / delays are usually due to repair / parts......not the insurance as such.

**pocketcracker** · 25th June 2010, 18:54

My Dealings with State insurance ..

had accident late sunday afternoon last week , pillioned home .. rang my insurance company .. recoved biek next moring and meet the assesor at the local bike shop to have a look. he giggled slaped me on the back and money was in account tuesday morning ..

2 days .. WOOHOOO !

**Ntoxcated** · 25th June 2010, 18:54

I was happy with Vero Insurance. 16 days from claim to payment for write-off.

**Ntoxcated** · 25th June 2010, 18:59

Originally Posted by pocketcracker

My Dealings with State insurance ..

had accident late sunday afternoon last week , pillioned home .. rang my insurance company .. recoved biek next moring and meet the assesor at the local bike shop to have a look. he giggled slaped me on the back and money was in account tuesday morning ..

2 days .. WOOHOOO !

OK, I was happy

2 days !!??!!

**ynot slow** · 25th June 2010, 21:11

In theory ,if wof and rego ok should be quick,then again now days the insurance gets the bike shop/panel shops to do their work.In the old days the assessor would inspect,get quotes and insurance co make decision,with internet and digi cameras the assesor or bike shop can give an idea of repair costs to insurance co,would imagine a simple cost ratio scenario takes place.Would imagine 2 weeks should be ample time,then again anything they can use to decline claim is used,i.e no wof if crash attibuted to fault,maybe marginal tyre tread,faulty or low discs or pads,bearing in mind a tyre may have 3mm of tread or brakes work ok at wof time,but 5 months later could be different story,and they use that as an out.

**pocketcracker** · 25th June 2010, 21:46

totally agree with statement above .. the assesor said to me .. new tyres .. oh new wof .. and rego .. looked at pads .. said wow harly any wear .. i replyed there new but even so real riders dont need breaks as a laughed he agreed and wrote off on spot ! .. payed out rite after ..

so bike condition has a big factor !

**DMNTD:Me** · 25th June 2010, 21:50

7-10 working days unless you live in bumsakesville

**NZsarge** · 25th June 2010, 22:21

Originally Posted by DMNTD

7-10 working days unless you live in bumsakesville

Provided things are in order I thought this time frame would be reasonable if not quicker. Once you've jumped through a few hoops like insurance companies seem to like you to do these day it should be pretty much cut and dried I would have thought another two to three days after the last of the hoop jumping would be fair.
Lance this is bullshit mate, if you've gone through all the palava that they've asked you to then it should be settled by now bar the shouting.

**mad.mike** · 25th June 2010, 22:22

I made a claim 3rd January this year.... claim was finally approved last week (18th june)...Some guy backed into my bike in the car park and did a runner. I got the plate and the cops caught up to him a few days later. He admitted fault. I figured it would be all done a dusted within a few weeks tops. Bike is sitting in my shed still not fixed coming up 7 months later....
Took me nagging everyone involved almost everyday for months to make the smallest headway.
Eventually I got sick of it and after being told that my premiums were being raised by $10 a week and my excess was going from $600 to $1400 because "It's costing us more to insure everything and costing a greater amount to repair". I lost it with them shortly after opening this letter. Tried to talk to a boss was told by the guy on the other end of the line that his boss was unavailable and that he would leave a message for him to call me. I said like hell and said I would talk to his boss's boss. This was met with resistance and same unavailable bulls until I said "Ok, I will be lodging a complaint with the ombudsman when I hang up." Funnily enough both of them are suddenly right there and ready to talk...

**NONONO** · 25th June 2010, 22:30

Originally Posted by mad.mike

I made a claim 3rd January this year.... claim was finally approved last week (18th june)...Some guy backed into my bike in the car park and did a runner. I got the plate and the cops caught up to him a few days later. He admitted fault. I figured it would be all done a dusted within a few weeks tops. Bike is sitting in my shed still not fixed coming up 7 months later....
Took me nagging everyone involved almost everyday for months to make the smallest headway.
Eventually I got sick of it and after being told that my premiums were being raised by $10 a week and my excess was going from $600 to $1400 because "It's costing us more to insure everything and costing a greater amount to repair". I lost it with them shortly after opening this letter. Tried to talk to a boss was told by the guy on the other end of the line that his boss was unavailable and that he would leave a message for him to call me. I said like hell and said I would talk to his boss's boss. This was met with resistance and same unavailable bulls until I said "Ok, I will be lodging a complaint with the ombudsman when I hang up." Funnily enough both of them are suddenly right there and ready to talk...

FFS, WTF???
Which insurance company was that mate?
We should be told so we can avoid the bastards..forever.
BTW can anyone see the benefit of privatizing ACC if THIS is the level of service we can expect from the private sector?

**NZsarge** · 25th June 2010, 22:31

Originally Posted by mad.mike

I made a claim 3rd January this year.... claim was finally approved last week (18th june)...Some guy backed into my bike in the car park and did a runner. I got the plate and the cops caught up to him a few days later. He admitted fault. I figured it would be all done a dusted within a few weeks tops. Bike is sitting in my shed still not fixed coming up 7 months later....
Took me nagging everyone involved almost everyday for months to make the smallest headway.
Eventually I got sick of it and after being told that my premiums were being raised by $10 a week and my excess was going from $600 to $1400 because "It's costing us more to insure everything and costing a greater amount to repair". I lost it with them shortly after opening this letter. Tried to talk to a boss was told by the guy on the other end of the line that his boss was unavailable and that he would leave a message for him to call me. I said like hell and said I would talk to his boss's boss. This was met with resistance and same unavailable bulls until I said "Ok, I will be lodging a complaint with the ombudsman when I hang up." Funnily enough both of them are suddenly right there and ready to talk...

Mate! You've got the patients of a saint! I would have lost the plot a lot sooner than that, amazing the bullshit you had to go through to get anywhere too..