Surely this is a piss take

[FJRider]

Stolen and recovered after payed out I could understand.
I dont like that insurance money we pay as premiums gets wasted so often. i havee seen bikes auctioned as write offs from open day crashes on tracks also. I dont see why anyone that takes a bike on a track should be covered.

No doubt his future excess figure will go up. But you can get a one off track-day cover ... and in some cases, if you're not racing ... or breaking any laws, cover is approved. There is the excess cost to consider ... depending on the insured value.

[Maha]

The Phantom tar spots?...


''Yes the bike has been an insurance write off, but in this case it was due to the tar spatters over the bike, and for the bike to be returned to pre accident condition would need repainting & disassembly / reassembly, which was not viable due to it's value - not due to accident damage. The bike is not & has not been deregistered, and all it will need to go back on the road is a new wof and rego (rego to be paid from the date the new owner takes the bike, no back payments required).''

Then....

'' I will try to get a better picture for you but when photographing the bike outside I could not actually find any noticeable tar spots / stone damage.'''

[Swoop]

The Phantom tar spots?...

Ghost tar chips, Bro?

[yod]

Ghost tar chips, Bro?

You know I can't eat your ghost chips bro!

SPACEHEAD!

[Swoop]

SPACEHEAD!

..........

[caseye]

Stolen and recovered after payed out I could understand.
I dont like that insurance money we pay as premiums gets wasted so often. i havee seen bikes auctioned as write offs from open day crashes on tracks also. I dont see why anyone that takes a bike on a track should be covered.

I pay premiums that allow for taking both my wife and I taking our bikes to training and track days at race tracks. We are asked to advise them before we go but that is not essential. Our bikes are both fully covered at such a day, but we must not be racing or have anyone timing us.
I specifically insured with this company for their involvement in insuring older and classic bikes and this was one of the bonuses that came with that insurance. We Pay.
Surely that's OK by you.
You would be surprised how inexpensive it is in actual fact, they cover us and are happy to do so.
30 plus years riding, not one ACC claim or damage claim for me.
3-4 years for the wife, one damage claim.
No ACC Claim.
Her excess was not required to be paid and the insurance company upgraded her to newer and better policy because accident was deemed by Police to be unavoidable and not her fault.
We won't be insuring elsewhere anytime soon.

Can't possibly comment on the ins and outs of this particular case except to say that I'm sure the bike will sell at something approaching market value anyway, as they most often do and I'm not particularly impressed with either the owner for making such a claim nor the insurer for accepting it, but hey it was brand new and now it's not, that what you pay for and I'm guessing that they paid a lot and often for the privilage,.

[yod]

..........

there is no spoon.....

[tigertim20]

I dont like that insurance money we pay as premiums gets wasted so often. i havee seen bikes auctioned as write offs from open day crashes on tracks also. I dont see why anyone that takes a bike on a track should be covered.

as for the underlined section - Its incredible, the amount of bikes that are 'crashed' or 'stolen' or 'damaged' by owners that are to fucking lazy, or just plain dishonest to get off their fucking arse and take care of their vehicles - the problem is that unless the insurer can PROVE something - they HAVE to pay out. Im all in favour of these cunts that abuse insurance getting caught out, drawn and quartered - serves them fuckin right, as it drives up the cost of what can already be an expensive cost of riding, especially if you are also reasonable youg, and have a penis, which seem to be large factors in determining risk and cost.

as for the bold part of your post, that I disagree with for a few reasons.
1. the insurer decides if they want to allow trackdays etc under their cover - a large number do not, period.
2. In my own personal experience, i have discovered that what you can learn at a trackday is much more than you might imagine, you learn alot of things that you can absolutely apply to your every day riding, things which can ultimately make you a safer rider - that has to be a good thing considering how many of us riders fuck ourselves up on the road.
3.there is a difference between racing, and a trackday - and typically even the insurers who DO insure you for trackdays will draw the line at racing (usually defined by whether it began with a flag drop or lights from the grid.)

[Owl]

The Phantom tar spots?...

I imagine it's all legit (New vehicle clause) and old owner will be riding around on a brand new VFR1200 as we speak.

[Maha]

I imagine it's all legit (New vehicle clause) and old owner will be riding around on a brand new VFR1200 as we speak.

Yip...if I were in the market..I dont mind them, real nice in black.

[GrayWolf]

[QUOTE=tigertim20;1130358376 Im all in favour of these cunts that abuse insurance getting caught out, drawn and quartered - serves them fuckin right, as it drives up the cost of what can already be an expensive cost of riding, especially if you are also reasonable young, ride a big sprot bike ,and don't have a penis, which seem to be large factors in determining risk and cost.
[/QUOTE]

there, fixed for ya.

[Parlane]

Im all in favour of these cunts that abuse insurance getting caught out, drawn and quartered - serves them fuckin right, as it drives up the cost of what can already be an expensive cost of riding, especially if you are also reasonable young, ride a big sprot bike ,and don't have a penis, which seem to be large factors in determining risk and cost.

there, fixed for ya.

there, fixed for ya.

[jasonzc]

man.. if tar is the only issue.. then id be keen.. bargain really..

[carburator]

Id better take a closer look at my insurance policy, as i use these guys though I did ask them to
sharpen there pencil not so long ago when it was renewal time..

the only time on of my bikes is not covered is in competition use ( night dragwars meremere )
and thats fair enough. for track days my excess goes up but then again ive taken steps
( crash bungs and other shit ) to minimise damage iff i do have a opps..

as for this twat and his tar... hell why did'nt he slow down or take a alternate route?

[caseye]

Easy to say there carburator. Perhaps there was no alternative route. Who knows? Do you???