Write off

[BuzzardNZ]

So... Say some idiot crashed into my ginny and totally fucked it up, then drove off? The bike would obviously be worth fuck all AFTER the accident, but it would have been worth around 1500-2000 before the accident, so if they say, "Your bike is only worth $500 now" then what the fuck is the point of comprehensive insurance? I thought the whole point of insurance was so that you could get back on the road with a new or repaired vehicle, with peace of mind in the meantime. I'm obviously missing something big.

After getting dicked around countless times by various insurance companies, I've come the conclusion that your point "then what the fuck is the point of comprehensive insurance?" is true.

My view on insurance is get 3rd party only. They used to do a 3rd party fire and theft policy, but I've not seen that in years, if it was , I'd get that.

Getting 3rd party only is a bit of a gamble. One way to think of it is that over the years, the amount of money you save for not paying full insurance you can use if you ever have an off etc. Also, if one ever ever totally writes off their bike, I wonder what the odds are that they'll still be around to make a claim.

Full insurance is a rip off.

[superjackal]

thats the fun of insurance. They assessor is supposed to look at the bike and figure out its pre-accident value from the wreckage. as mentioned there is the agreed value thing to lessen any headaches, but I guess the reason is that if youve been with your insurance company for ages and ages, then how do they know the state of te vehicle hasnt degraded from brake fluid spills, dings and nicks from wayward carpark trolleys etc etc etd

Last few insurance claims I've had the assessor hasn't even bothered to view the bike and this is true of my latest claim. Got the estimate from the repairer and decided it wasn't worth his time. Still to find out what I'll be offered...

[superjackal]

Just so happens i have an ER 5 here, the front is like "wow" bouncy, soft as putty !

How's yours ?

Most dealerships (or small bike shops) would have access to the Racetech program that will work out the standard spring rate + your weight = spring rate change required to stop it bottoming out !

How heavy are ya ? Bet the GN had a soft front end yeah ?

I'm picking i could stand over a standard GN and nearly make it bottom out in the front by heaving down on it ! Add 50 KPH to that then grab a fist full of lever and them forks are gonna go all the way to the stoppers !

Physics experts will step in now with accuracy, but roughly

120 kg of bike
+ 80 kg rider and gear
+ fist full of brake
Then add---- (after first dive of forks)
+ hitting stoppers in the front end

Equates to 180 kg
+ momentum
forced onto 1 1/2 sq " of rubber !

You were owned by a lack of knowledge !

Still new to riding, the front just feels like the front, but now you mention it it is pretty "spongey". There's not a lot of rear brake either. The front brake's not bad but not hugely confience inspiring. I plan to get the brakes looked at asap.

I'm 100kg.

[superjackal]

Great outcome. Well, ruined bike n’ all… State have been excellent the whole way through, no arguing, no haggling, have paid out the full amount insured less excess.

Would rather have sold the bike but imagine it will be salvaged anyway.

Also, rang a few insurers and they gave me grief about the accident. Insurance quotes up to $600. State insured my new bike for $242.

Big thumbs up for State Insurance.

[SPman]

I've pulled stuff off write-offs - but before the bike went to the shop to be assessed!

[Ender EnZed]

They used to do a 3rd party fire and theft policy, but I've not seen that in years

Most insurance companies still offer this.

[Katman]

actually, yes you can!

Well, having just spoken to a guy at NZTA.......

....actually, no you can't.

[ducatilover]

Well, having just spoken to a guy at NZTA.......

....actually, no you can't.

As long as he was an NZTA rule maker. I had a shit load of retarded opionions regarding road registering an e30 M3 import from VTNZ, VINZ and all them chaps that do the rego process. I went to NZTA themselves and talked with some rule making type chaps and well, my interpretation of the rules was correct and the 5 or 6 inpectors I chatted to were incredibly wrong.

Sent from Purgatory on a flaming doom keyboard

[superjackal]

As long as he was an NZTA rule maker. I had a shit load of retarded opionions regarding road registering an e30 M3 import from VTNZ, VINZ and all them chaps that do the rego process. I went to NZTA themselves and talked with some rule making type chaps and well, my interpretation of the rules was correct and the 5 or 6 inpectors I chatted to were incredibly wrong.

Sent from Purgatory on a flaming doom keyboard

That sounds like NZTA. When I brought my car back from the UK I had 20 different opinions on what I could do. Best advice, get a name to quote and an email.

[tigertim20]

Well, having just spoken to a guy at NZTA.......

....actually, no you can't.

Best you try ringing the guys at somewhere like VINZ where they actually do the job and are up top date with the rules instead of a muppet at a desk then.

Done it myself more than once - been up front about it, never been an issue at all.

[Katman]

Best you try ringing the guys at somewhere like VINZ where they actually do the job and are up top date with the rules instead of a muppet at a desk then.

Done it myself more than once - been up front about it, never been an issue at all.

Well, we'll just have to agree to disagree then Tim.

The reality is though that NZTA are the bottom line when it comes to vehicle licensing legislation and the likes of VINZ and VTNZ are beholden to the rules that NZTA put in place.

Perhaps it's the guys at your local VINZ who don't really know what they're talking about.

[tigertim20]

Well, we'll just have to agree to disagree then Tim.

The reality is though that NZTA are the bottom line when it comes to vehicle licensing legislation and the likes of VINZ and VTNZ are beholden to the rules that NZTA put in place.

Perhaps it's the guys at your local VINZ who don't really know what they're talking about.

You mean, you're putting your faith in the bureaucracy of a govt department? have fun with that.

[Mushu]

Well, we'll just have to agree to disagree then Tim.

The reality is though that NZTA are the bottom line when it comes to vehicle licensing legislation and the likes of VINZ and VTNZ are beholden to the rules that NZTA put in place.

Perhaps it's the guys at your local VINZ who don't really know what they're talking about.

NZTA can make and change the rules all they want, it's the testing officer that looks at the vehicle, it's him that will pass/fail it. So I figure go ask the guy you intended to have inspect it.

Although I have never done it so not really sure on the process (I would have if the ninja had been written off)

Sent from my XT535 using Tapatalk 2

[jellywrestler]

Both times I've emergency stopped it's dumped me on the ground. One of those "lovable" idiosycrasies of GNs? It's technically my fault as I couldn't stop in time. But, really, it's the dickhead in front who came to a complete stop because they couldn't figure out which lane to be in.

or a small child had run out in front of them.....
cars still stop and it's their perogative to do so

[FJRider]

NZTA can make and change the rules all they want, it's the testing officer that looks at the vehicle, it's him that will pass/fail it. So I figure go ask the guy you intended to have inspect it.

Although I have never done it so not really sure on the process (I would have if the ninja had been written off)

Sent from my XT535 using my ridiculously small penis

Actually they can't change them all they want. Their regulations are written in legislation. It requires a Governmental minister to change policy, and an act of Parliament to change the rules.

You at least admit you don't know what you're talking about.