Insurance assessor?

[caseye]

Yep, directly and with results that not only pleased us but made everything better.
have had dealings with other insurance companies over the years, but Swann really did a great job.
Bike was repaired to as new(it was only 1 year old at the time) and we were returned to a full no claims situation because of extenuating circumstances creating the crash.
Only bug bear was AMI and how much they paid out on the gear. Now though, Swann's price includes new for old on all gear for rider and pillion, to $3000 for rider and approx $2500 for pillion, same policy, bloody awesome.

I take my bike to Holeshot in Barrys Point Road. Always been pleased with their work. I'm with Swann insurance and, I deal with them through kiwibike.

Thanks for the advice so far. I'm still riding the bike at the mo as its my only vehicle. I doubt very much if the damage will exceed 75% of the value of the bike. I have it insured for $11,995. Anyone had dealings with Swann???

[hellokitty]

I have a question - when I crashed my car, it became the insurance company's property the second I put the claim in (or discussed the claim/crash) over the phone. I was only allowed to get my stuff from the glove box etc (and drained the full tank of gas - thanks tow truck guys!)

Are you supposed to, or allowed to be riding it around, or is it meant to be at a shop waiting for repair? Has this even been mentioned to you? Not trying to give you a hard time Mattian but I just wondered...
I am sorry your lovely bike has been damaged

[hellokitty]

Couldnt even get my bike insured with AA unless I already had a car insured with them first!!! WTF?? I dont even own a car.

Yes I found that with AA - they wanted my house, and car with them as well - then they told me my car was old and crap and why bother having full insurance. Wow! I would have saved $10 a week!!! (where is the face palm smiley when you need it)
dickheads... Luckily I didn't listen to them as I wrote the car off the next month.

[mattian]

I have a question - when I crashed my car, it became the insurance company's property the second I put the claim in (or discussed the claim/crash) over the phone. I was only allowed to get my stuff from the glove box etc (and drained the full tank of gas - thanks tow truck guys!)

Are you supposed to, or allowed to be riding it around, or is it meant to be at a shop waiting for repair? Has this even been mentioned to you? Not trying to give you a hard time Mattian but I just wondered...
I am sorry your lovely bike has been damaged

Thanks.... yeah, that's a very good question. I'm not too sure what the situation will be. The damage to the bike is such that, it can still be ridden. If it comes down to it I won't wrestle my bike back off them. I'm sure something can be worked out... might be a good time to organise some holiday off work as its my work vehicle.

[marie_speeds]

Does pay to shop around, I'm now $30 better off a month after recently changing companies...which will be probably be taken up with gas now. But HK raised a really interesting question, hopefully any members in the insurance industry can answer that one?

[DMNTD:Me]

Are you supposed to, or allowed to be riding it around, or is it meant to be at a shop waiting for repair? Has this even been mentioned to you? Not trying to give you a hard time Mattian but I just wondered...

You are still covered by YOUR insurance until you drop it off to the repairer. From that point on until it's completely repaired it is covered under THEIR insurance.

BTW...I think you will find that your gear is covered (prolly up to $4k????) too.

After having a 'claimable incident' it is ideal to get the process started ASAP.

[warewolf]

Not sure about here, but in NSW as soon as the assessor declares it a write-off then the bike is no longer yours, and it is no longer roadworthy so cannot be ridden on the road.

And if the insurance company is Swann, despite them declaring it a write-off which means they have decided to pay out, it can take months to actually get the money out of them.

[scott411]

Not sure about here, but in NSW as soon as the assessor declares it a write-off then the bike is no longer yours, and it is no longer roadworthy so cannot be ridden on the road.

And if the insurance company is Swann, despite them declaring it a write-off which means they have decided to pay out, it can take months to actually get the money out of them.

here in NZ you normally have to sign away the bike to the insurance company, after it has been written off, that is the way i have always had it done,

[Oscar]

I have a question - when I crashed my car, it became the insurance company's property the second I put the claim in (or discussed the claim/crash) over the phone. I was only allowed to get my stuff from the glove box etc (and drained the full tank of gas - thanks tow truck guys!)

Are you supposed to, or allowed to be riding it around, or is it meant to be at a shop waiting for repair? Has this even been mentioned to you? Not trying to give you a hard time Mattian but I just wondered...
I am sorry your lovely bike has been damaged

The car or bike continues to be your property until it is declared a write off and you sign the claim discharge. If you drained the petrol after that, you would be guilty of theft....

[hellokitty]

The car or bike continues to be your property until it is declared a write off and you sign the claim discharge. If you drained the petrol after that, you would be guilty of theft....

I don't remember signing anything... everything was done over the phone. Beside they "stole" thousands of dollars worth of mags and runflat tyres off me, when they refused to cover them and refused to let me swap them for original wheels.

[Oscar]

I don't remember signing anything... everything was done over the phone. Beside they "stole" thousands of dollars worth of mags and runflat tyres off me, when they refused to cover them and refused to let me swap them for original wheels.

Refused to cover them?
Did you ask them to cover them before the crash?

What you've found is that old saw - you can send $$$ on your bike/car, but there is not always a commensurate increase in the value.

[hellokitty]

Refused to cover them?
Did you ask them to cover them before the crash?

What you've found is that old saw - you can send $$$ on your bike/car, but there is not always a commensurate increase in the value.

They were a gift, and were "too expensive" to be on my car apparently. Which is fine but I expect to be able to take them off and replace then with the cheap mags and tyres that were on it when I bought it.
No point even worrying about it now - the car was only fit for crushing, interestingly it is back on the road somehow, it wouldn't have been done legally.

[Gremlin]

So an update... (not sure how yours is going?)

In short... there is no news. I rang the shop last Friday to check if they had been visited... no sight of an assessor. Rang Kiwibike, the earthquake is to blame, with a large number of claims causing delays. They asked me to wait another week, then ring if I hadn't heard anything.

So just over a day to go, shop still hasn't seen an assessor. I'll check in with them Friday morning, if they haven't seen assessor I'll stick a rocket under Kiwibike, for them to give to Swann. Or they can give me their phone number. It's real simple in my eyes. Shop got bike. Shop assessed bike, priced parts, made nice pretty form with everything on it. Assessor puts tick on form.

Shop orders parts, gets parts, fits parts, checks bike over, and finally hands back to me. It isn't a Zong Shen that can be repaired by a backyard mechanic, indeed, there are 5 authorised dealers that can work on the bike, and with Chch somewhat out, it leaves 4.

Shop basically does all the work, insurer doesn't have much to do, so what's the hold up? If it carries on much longer, I'll be telling the insurer they're going to be looking at a new battery as well, for the amount of time the bike is sitting.

[hellokitty]

Yeah Mattian, what is happening with your insurance claim? Got it fixed yet? I suppose things don't happen that quickly?

[Gremlin]

Good ol Kiwibike and Dave. Rang them this morning, to give the process a bit of a nudge. It turns out Swann has been doing valuations and assessments in the background (it may be a write off ), and Dave took some time out to follow the whole process up, and give me a summary. He's a top bloke he is

While the quake has certainly made them busy, apparently bloody motorcyclists have been falling off all over the place elsewhere in the country, which has pushed them beyond capacity... Stop it, you're delaying my claim... wait... nevermind