Try looking at second hand in great condition on ebay as when I fell off my bike honda wanted £2k for the damage parts and that was like 2 years ago so no idea how much now of days.
Claim or not claim
last Monday just going into a roundabout & the bike hit petrol/ diesel on the road. Never even had time to think - split second later & the bike / myself on the tarmac. 3 days later - still on painkillers but considering myself v lucky that just heavy bruising/ sore ribs
from what I can see the damage is all to right hand side
A handguard
both brake leavers
Rear passenger foot peg
Engine casing where the rear brake bent into it
not included a jacket/ gloves.
apart from 2001 / I’ve owned bikes since 1991 & this is my first ever off. Insurance has a £450 excess
the wife says I should claim but I’m thinking for maybe a few extra ££100 - I just bite the bullet & get it done privately plus it’ll come back to me I’m sure over next few years in increased premiums
it’s a Yamaha xt660z - was bought brand new/ excellent condition until the off.
Got an AT so not in a hurry to get sorted/ probably not going to be biking the rest of this month anyway
Any thoughts ? Is this what insurance is for / claim or just thank my stars & do the bike up gradually say a part a month ?
from what I can see the damage is all to right hand side
A handguard
both brake leavers
Rear passenger foot peg
Engine casing where the rear brake bent into it
not included a jacket/ gloves.
apart from 2001 / I’ve owned bikes since 1991 & this is my first ever off. Insurance has a £450 excess
the wife says I should claim but I’m thinking for maybe a few extra ££100 - I just bite the bullet & get it done privately plus it’ll come back to me I’m sure over next few years in increased premiums
it’s a Yamaha xt660z - was bought brand new/ excellent condition until the off.
Got an AT so not in a hurry to get sorted/ probably not going to be biking the rest of this month anyway
Any thoughts ? Is this what insurance is for / claim or just thank my stars & do the bike up gradually say a part a month ?
1 - 20 of 24 Posts
If it was me knowing insurance here in the UK ( had a similar thing few years ago) and knowing that you have more wheels to ride I'd do it myself as and when you can get the parts either used or new .
Glad to hear that you were not hurt badly .
Glad to hear that you were not hurt badly .
People need to hear this stuff more often. They don't think they'll be in an accident because they ride conservatively or are "expert riders". Until you've suddenly found yourself on the ground without explanation, you just don't understand. Thank you for sharing.
For casual chit-chat purposes, nothing informed, I'll say I rarely turn in insurance claims, and virtually never have need for them anyway. How can't the premiums go up more than the covered incident? And if you do the remediation yourself can't it usually be done at a fraction of the dealer cost?
Glad you didn't get hurt by a trailing cage.
I would explore the cost of private restoration, and then re-weigh the options.
I would explore the cost of private restoration, and then re-weigh the options.
If your jacket / gloves or helmet got any damage, make a claim.(if your policy includes them of course)
The cost of replacing those itmes are more than your excess.
Besides, if you have had no incidents in more than 20 years, I can't see a reason to increase the price. you are not a recurrent claimer.
AND they may replace parts that you may have not seen damage.
The cost of replacing those itmes are more than your excess.
Besides, if you have had no incidents in more than 20 years, I can't see a reason to increase the price. you are not a recurrent claimer.
AND they may replace parts that you may have not seen damage.
My wife and I have each made insurance claims that included repairs to the bikes and replacement of equipment. Our insurance did not go up a single cent. If it's an accident such as the OP described, where he was not at fault or cited for some violation, it shouldn't go up. If it does, it might be time to consider a different insurance company imho.For casual chit-chat purposes, nothing informed, I'll say I rarely turn in insurance claims, and virtually never have need for them anyway. How can't the premiums go up more than the covered incident? And if you do the remediation yourself can't it usually be done at a fraction of the dealer cost?
Sent from my SM-X700 using Tapatalk
Insurance companies (worldwide) are no mugs, a claim will effect your renewal in some way. May be your insurance stays the same or even goes down next time but it ‘probably’ would of gone down more with out a claim…..and they hit you for any thing in the past 5 years in the UK (some times longer). The UK has it’s quirks as do all countries insurance laws/rules/cultures, from a UK perspective and considering all your stated factors (2nd bike, fairly cheap parts, UK insurance quirks, age of some of your equipment, no major damage to another property, no major injury etc). If it was me, I would be on ebay and the internet getting parts and repairing my it self and not claiming…….plus, you get a genuine reason to go bike parts/gear shopping, what is not to love about that? 😊
For my two penn'orth your premium will go up, the insurance company will see this as rider error and an 'own fault claim' because no other parties were involved. Also statistically they know one claim very often leads to another. Protected NCB, if you have it, won't help because the additional risks are applied after the NCB.
Historically I've just fixed/replaced anything that impacted functionality myself. If it's cosmetic I let it go. I've never made an insurance claim in 16 years... that said until I got the ATAS I've never had a bike worth enough.
The ATAS got minorly banged up in my get off last fall, but all cosmetic. I probably won't do anything to fix that. If I smashed it up to the point of frame damage or something, I would likely submit a claim and take the write off. I wouldn't make a claim if it was repairable with a few hours of personal labor and self sourced parts.
But I've got the luxury of a garage and such where it can sit disassembled while I do that work.
The ATAS got minorly banged up in my get off last fall, but all cosmetic. I probably won't do anything to fix that. If I smashed it up to the point of frame damage or something, I would likely submit a claim and take the write off. I wouldn't make a claim if it was repairable with a few hours of personal labor and self sourced parts.
But I've got the luxury of a garage and such where it can sit disassembled while I do that work.
My AT 22 is too expensive to insure here. And there is few insurers to issue a policy.
We have mandatory third party insurance to cover damage to others.
If we crash or damage our bike, we repair o replace on our cost.
We have mandatory third party insurance to cover damage to others.
If we crash or damage our bike, we repair o replace on our cost.
Sorry to hear about your tumble. Diesel on the road is a real PITA. Where I live, several local roundabouts regularly have diesel slicks - there's a large filling station nearby, tw*ts brim their trucks and then deposit it at the next sharp turn. If you can repair it for not much more than your excess I would soak it up (no pun intended) and keep your insurance record clean. Photographing the hazard and sending it to the local authority wouldn't hurt, but others may be able to comment on how culpable the authorities are, if at all.last Monday just going into a roundabout & the bike hit petrol/ diesel on the road. Never even had time to think - split second later & the bike / myself on the tarmac. 3 days later - still on painkillers but considering myself v lucky that just heavy bruising/ sore ribs
from what I can see the damage is all to right hand side
A handguard
both brake leavers
Rear passenger foot peg
Engine casing where the rear brake bent into it
not included a jacket/ gloves.
apart from 2001 / I’ve owned bikes since 1991 & this is my first ever off. Insurance has a £450 excess
the wife says I should claim but I’m thinking for maybe a few extra ££100 - I just bite the bullet & get it done privately plus it’ll come back to me I’m sure over next few years in increased premiums
it’s a Yamaha xt660z - was bought brand new/ excellent condition until the off.
Got an AT so not in a hurry to get sorted/ probably not going to be biking the rest of this month anyway
Any thoughts ? Is this what insurance is for / claim or just thank my stars & do the bike up gradually say a part a month ?
Thanks all for feedback/ input
Have decided I’ll fix up the bike myself
there are 6 parts needing replaced (missed out lower plastic panel under tank) so I’ll aim for 2 items a month.
got a recommendation for an Alpinestar jacket so will investigate next week. Todays my first morning off the pain killers but still don’t see me being back on a bike for another few weeks as very tender around the ribs area
Have decided I’ll fix up the bike myself
there are 6 parts needing replaced (missed out lower plastic panel under tank) so I’ll aim for 2 items a month.
got a recommendation for an Alpinestar jacket so will investigate next week. Todays my first morning off the pain killers but still don’t see me being back on a bike for another few weeks as very tender around the ribs area
Just ordered replacement Hand Guards & will price up other parts early next week. The hand guards were £108 from touratech. The XT660 didn’t come with hard guards & these were best at time so will stick with same
will update on full cost once everything done
will update on full cost once everything done
Glad to hear your on the mend and getting bits sorted 👍
I bolted from the red light to turn into my favorite "hot corner" expecting to merge onto an empty freeway with the bike leaned over. I was knowingly going too fast as I entered the right hand freeway entrance, and suddenly found myself on the ground with a HOT and HEAVY bike rolling over me. I quickly hit the freeway island and the speeding bike pushed me over the berm and into the muddy island. Not completely sure what was going on, I tried to stand and take inventory of damage (to bike, and perhaps me). I see a car entering the freeway onramp and hit a large, deep patch of oil that accumulated on the sharp turn. He hits his brakes hard, but of course nothing happens as I watched his angled and halted front wheels run into my bike and again knock me over.
Fractured hip, NO friction burns (it was oil that spared me). Front shock out of alignment (one arm shorter than the other) and misc cosmetic damage. Highway patrol was there within minutes as cars were starting to pile up.
I asked the patrolman if this is a common occurrence, and of course he informs me he sees this quite regularly.
Tow truck brought me home as I did not know at the time why my right leg was not feeling "right". The small fracture did not require anything beyond crutches for 6 weeks.
I called my insurance, but as there was no other person to pursue, I had no case. The vehicle that hit me did so with only enough force to push me onto the island, and didn't cause more damage I could see. I never took his contact info down, and feel that may have made a difference. I was NOT thinking clearly at the time.
I was amazed at how QUICKLY it happened... and was reminded why I always wear safety gear.
Fractured hip, NO friction burns (it was oil that spared me). Front shock out of alignment (one arm shorter than the other) and misc cosmetic damage. Highway patrol was there within minutes as cars were starting to pile up.
I asked the patrolman if this is a common occurrence, and of course he informs me he sees this quite regularly.
Tow truck brought me home as I did not know at the time why my right leg was not feeling "right". The small fracture did not require anything beyond crutches for 6 weeks.
I called my insurance, but as there was no other person to pursue, I had no case. The vehicle that hit me did so with only enough force to push me onto the island, and didn't cause more damage I could see. I never took his contact info down, and feel that may have made a difference. I was NOT thinking clearly at the time.
I was amazed at how QUICKLY it happened... and was reminded why I always wear safety gear.
Happy to hear you're walking and talking. Never ride faster than your angels can fly can see the road ahead.
Here in the UK the Police would have made a traffic report of all parties involved, closed the road and arranged for the surface to be cleaned and conducted an investigation into who left that oil on the road. It helps that so many of our road junctions are covered by CCTV. I'd contact the Police for details of the report and the outcome of the investigation.
Here in the UK the Police would have made a traffic report of all parties involved, closed the road and arranged for the surface to be cleaned and conducted an investigation into who left that oil on the road. It helps that so many of our road junctions are covered by CCTV. I'd contact the Police for details of the report and the outcome of the investigation.
last Monday just going into a roundabout & the bike hit petrol/ diesel on the road. Never even had time to think - split second later & the bike / myself on the tarmac. 3 days later - still on painkillers but considering myself v lucky that just heavy bruising/ sore ribs
from what I can see the damage is all to right hand side
A handguard
both brake leavers
Rear passenger foot peg
Engine casing where the rear brake bent into it
not included a jacket/ gloves.
apart from 2001 / I’ve owned bikes since 1991 & this is my first ever off. Insurance has a £450 excess
the wife says I should claim but I’m thinking for maybe a few extra ££100 - I just bite the bullet & get it done privately plus it’ll come back to me I’m sure over next few years in increased premiums
it’s a Yamaha xt660z - was bought brand new/ excellent condition until the off.
Got an AT so not in a hurry to get sorted/ probably not going to be biking the rest of this month anyway
Quick update on above
still waiting on the touratech hand guards
Picked up replacement parts yesterday
Just fitted side panel
I’ve booked bike in for a service this Thursday & dealer will fit the other parts
I.e. 2 brake levers & 2 foot pegs
still waiting on the touratech hand guards
Picked up replacement parts yesterday
Just fitted side panel
I’ve booked bike in for a service this Thursday & dealer will fit the other parts
I.e. 2 brake levers & 2 foot pegs
Attachments
-
516.3 KB Views: 12 -
1.8 MB Views: 3
1 - 20 of 24 Posts
Honda Africa Twin Forum
A forum community dedicated to Honda Africa Twin motorcycle owners and enthusiasts. Come join the discussion about troubleshooting, maintenance, performance, modifications, classifieds, and more!
Full Forum Listing
Recommended Communities
