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  • #46
    Originally posted by Loud View Post
    May I summarise?
    • You bought a 10 year old bike from a dealer. I'm guessing you upgraded from the CBR500.
    • You had it for a few weeks and landed your wheelies "softly".
    • You had an accident "doing a small pull" on a "perfectly straight road" with "not a corner in sight".
    • You don't want use your *cough* insurance *cough*.
    • You have removed the steering damper from your damaged bike and suspect it is faulty.


    Accurate?

    You're now thinking about approaching the dealer to cover some of the costs. And you want some advice...

    I have some. You're not going to like it but don't worry - it comes from someone who has learned some stuff the hard way too.

    You binned your shit in a straight line mate. High speed damping issues? It was a straight. line. The steering damper was involved in the crash, same as the rest of your bike. Doesn't sound like you reported it to the dealer earlier. Doesn't sound like you have qualifications and experience in steering dampers or how they're affected in an accident. Doesn't sound like you're familiar with what a Statutory Dealers Warranty on Used Bikes covers (I'll give you a hint - it's not crashed bike components, or even non-crashed ones that function well enough).

    If you really do have insurance then make a claim. Save up the excess. Get your bike fixed professionally. Anything suspect (like the damper) will be replaced by someone who knows what they're doing. That way if it happens again you won't have to ask for advice, you'll know who's to blame.

    Again, sorry that you crashed and glad you're okay. It's going to be a costly mistake and hopefully one you learn from better than I did when I was 20 years younger.
    I do believe you are right. This was the reason I asked the question here. I was not sure what the warranties were limited to. I work in a motorsport workshop and put the damper onto a quarter million dollar damper dyno, which confirmed my suspicions about the damper. The only reason I spoke about the damper was because of the lack of effect it had during a tank slapper. All work and checks being done to the bike have been done by experienced mechanics and qualified mechanical engineers. The reason I was going to the dealer is because my I insurance rejected my claim because of a 'lack of witness'. Still in the process of fighting this with them. They recommended going to the dealer which is why I made the post. I agree it was a hard learnt lesson but a lack of understanding of the parts or mechanics is simply not true

    Sent from my Mi A1 using Tapatalk

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    • #47
      Originally posted by JoshuaB View Post
      I do believe you are right. This was the reason I asked the question here. I was not sure what the warranties were limited to. I work in a motorsport workshop and put the damper onto a quarter million dollar damper dyno, which confirmed my suspicions about the damper. The only reason I spoke about the damper was because of the lack of effect it had during a tank slapper. All work and checks being done to the bike have been done by experienced mechanics and qualified mechanical engineers. The reason I was going to the dealer is because my I insurance rejected my claim because of a 'lack of witness'. Still in the process of fighting this with them. They recommended going to the dealer which is why I made the post. I agree it was a hard learnt lesson but a lack of understanding of the parts or mechanics is simply not true
      Sounds like I was wrong about the expertise with dampers

      Now about this insurance bizzo. You're talking to an ex insurance claims manager here. Wanna tell me a bit about that issue?

      I'm guessing they pointed directly to the wording in their Product Disclosure Statement where it says "accidents must have a witness in order for a claim to be paid". Right? 'Cause I'm really interested in reading that. Who is the insurer? And have you heard of the Financial Ombudsman Service?
      Click Link for My Bikes:

      Aprilia RS250
      1985 GSXR750 "Slabbie"

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      • #48
        Originally posted by Loud View Post
        Sounds like I was wrong about the expertise with dampers [emoji14]

        Now about this insurance bizzo. You're talking to an ex insurance claims manager here. Wanna tell me a bit about that issue?

        I'm guessing they pointed directly to the wording in their Product Disclosure Statement where it says "accidents must have a witness in order for a claim to be paid". Right? 'Cause I'm really interested in reading that. Who is the insurer? And have you heard of the Financial Ombudsman Service?
        Yeah so at this stage, I'm with QBE and they have only said that they can't claim due to a lack of witness. My only suspicion is if they label it as a crash due to wreck less driving (however my records are clear and this is my first crash ever). A mate of mine said something similar had happened to him

        Sent from my Mi A1 using Tapatalk

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        • #49
          Originally posted by JoshuaB View Post
          my I insurance rejected my claim because of a 'lack of witness'.
          Come on Josh. That's not quite what you said when you came to pick up those parts from my place on Sunday.
          “How people treat you is their karma; how you respond is yours.”

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          • #50
            Sorry ray, there has since been a development since then. I thought I had 3rd party at the time of the crash, however found out as of Monday that I was indeed under comprehensive coverage. My dad had sorted the insurance for me and I just thought I was under 3rd party due to the amount he told me I was being charged.
            Made me happier but am now suffering with dealing with insurance

            Sent from my Mi A1 using Tapatalk

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            • #51
              I'm referring to asking if you couldn't claim on your insurance because you were riding out of class?

              The stock damper on a 675 is inadequate to rely on. The shaft can easily be bent in an accident because of where it's mounted.
              “How people treat you is their karma; how you respond is yours.”

              Comment


              • #52
                Originally posted by Mr Bean View Post
                I'm referring to asking if you couldn't claim on your insurance because you were riding out of class?
                Yeah that may be why actually. Didn't think of that. When speaking to them, I did mention that my shadow was leaving as the crash occurred , but they didn't seem to have an issue with that

                Sent from my Mi A1 using Tapatalk

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                • #53
                  If this is your PDS:

                  http://intermediary.qbe.com.au/conte...dition=primary

                  Then there is no mention of you needing a witness, only that you should record the details of any witness present.

                  Don't listen to whatever your mate is saying, listen to me - an expert. Open that PDS. Go to the PDS page #12 . Call FOS and make a complaint - tell them that they are refusing to process your claim due to there being no witness and state that there is no mention of this requirement in the PDS. Then call QBE Customer Care on their number (same PDS page) and tell them you've lodged a complaint with FOS. Ask that they escalate it. Tell them that their PDS doesn't state that a witness is required. Insist that they refer you to the section of the PDS for which they are currently declining your claim.

                  PM me if you need help. Man, I'll even make the phone call with you if you want.

                  Edit: Just saw you were riding out of class. Update to follow.
                  Click Link for My Bikes:

                  Aprilia RS250
                  1985 GSXR750 "Slabbie"

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                  • #54
                    If you have your R class learners permit and you were riding an R class bike, to comply with the conditions of the permit/license and to be covered by your insurance then you need to be riding with an appropriately experienced rider. So bud, were you?

                    That's something you and your shadow are going to have to work out. If they rode off and you tried to catch up then that's one thing. So long as they were present moments before the crash and are prepared to say that then that should cover it. I'm guessing you had to name them on the Police Report, right?

                    If they rode one way and you rode off in another deliberately then you're fucked and it's an expensive and time consuming lesson. And fixing the bike on the cheap is going to leave you with questions over every non-new component that you don't fully inspect.
                    Click Link for My Bikes:

                    Aprilia RS250
                    1985 GSXR750 "Slabbie"

                    Comment


                    • #55
                      Originally posted by JoshuaB View Post
                      wreck less driving
                      It certainly wasn't that.

                      I'd be more worried about reckless driving though.
                      Trying to think of a wise and sincere signature quote, but the only words that leap to mind are, "TITTY SPRINKLES"

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                      • #56
                        Ok Same as always there are undisclosed issues here.

                        Do exactly what loud says.....do it now. Get that shadow to stand up and be counted. get the bike fixed with insurance. Change insurance companies as soon as you can..if possible.

                        Don't crash again..ever. Don't rely on your 'motorsport' buddies at work. Get some track time/training/practice, ride like your life depends on it on the road... save the shenanigans for the circuit.

                        Loud , you wanna proof read this and correct as reqd.?
                        " Imagination is the seed of life..."

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                        • #57
                          Originally posted by GsxInShed View Post
                          Don't crash again..
                          Boy, If only he had thought of that in the first place..

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                          • #58
                            Originally posted by pnork View Post
                            Boy, If only he had thought of that in the first place..
                            Thanks for your input......
                            Last edited by GsxInShed; 07-09-2018, 08:29 AM.
                            " Imagination is the seed of life..."

                            Comment


                            • #59
                              And incoherent rambling.
                              Trying to think of a wise and sincere signature quote, but the only words that leap to mind are, "TITTY SPRINKLES"

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                              • #60
                                Wheelies out of class.

                                That's a paddlin'
                                In sterquiliniis invenitur.

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