Hi all, Just looking some advice. Recently low sided my 2012 Pani. I’m guessing it’s the standard sort of damage a crash like this would give...Everything up the left has been damaged, front fairing, side fairings, tail fairing, number plate carrier, left foot rest, broken handlebar, scratched fork, cracked lcd dashboard, 2 lugs broke off bottom fork yoke. This is all I can see, probably more a mechanic would find. It will have to be an insurance job as I couldn’t afford to fix this myself but my question is will they fix it or write it off? Tried looking for similar stories on your forum and people’s past experiences but can’t find much. Thanks all A
Fair chance they will right it off. Could be worth taking the money and asking to buy back the salvage. You will fix it a whole world cheaper via ebay/forum for parts as insurance will get new prices
Thanks for the reply mr c. How does this work with regards fixing it versus writing it off when it comes to money for the underwriter, where is the line between the two?
Hard to say until you have some figures. If they gave you £10k with a £3k buy back then your £7k up, say it cost £3k then you have a Pani for £6k plus £4k in your pocket. If they offer £10k and £6k by back then its not worth it. But until you have figures its anyones guess. In the mean time get your ass on ebay and prices some parts to give yourself a rough idea
Ok I understand. If I’m not interested in the buy back option and just want a bike of similar miles and age can they not replace it with ‘that’ bike per se or the given market value of that bike at that time..whatever the average price of a similar bike is?
I suspect that they will write your bike off. They give you money, and you source a new bike. They will probably initially offer you a sum that will be insufficient to source a replacement. You need to do some homework on bike prices so that you can argue your case when you get your offer.
Have you gone looking for spares....ie can you find enough to get it back on the road? then buy parts as they apear....a few years back i ended up with my mates r6 which i crashed...damage was 5.3k (from an insurance point of view (front end smash) - i got the lot for 1100 quid...
I understand, say you get an insufficient offer, is it literally enough to say that the cheapest bike I can buy anywhere in the uk with same age and mileage is X pounds and that’s enough to argue your case? What else could you say if not?
I have not but totting up the spares as I see it never mind what all a ducati dealer sees, I don’t think it would be cheap by even buying second hand parts. But i will look and see, couldn’t see the insurance selling it back cheap if it was written off.
Well, the reason i said, was, in the grand scheme of things - the insurance will get it back off you one way or the other!! so take it on the chin now, as it were and, as i said if you can get it back on the road (minus the cosmetics) etc etc then you can buy the bits as and when you have the cash... Just to add its not like there are going to be no more panigales getting laid down in the future (on the other side)...
When my gixer was damaged, I informed them my local bike shop had offered to do the work to which they agreed too. Sometimes they will insist you use their local/localish approved appointed repairers. Where ducaties have an issue is if the ins company want you to go to an official ducati dealer where of course the labour costs will impact greatly. It's that total cost of parts and labour that gives them an estimate to put it back as it was. I have seen a figure of 65%of the value of the bike been mentioned before as the tipping point from a repair going into uneconomic repair. For now I'd get that hurdle dealt with then you will know where you stand.
The other thing that i would say is when the insurance company prices it up they literally replace everything so even stuff with just a scratch on it gets replaced. There were a load of bits on the R6 i had which, where there were scratches literally just polished out. The worst being a remus exhaust which was quite heavily scuffed ( took the weight of the bike ) - my wife ( a dental laboratory technician, then) took it to work and polished it all out...
Ok yes I understand. We are into the thousands of pounds for parts I would guess doing it myself, much much more if repaired at a ducati dealer. Also if I was to buy back from the insurance if wrote off it would be a cat d and extremely hard to shift in the future I would guess??
I know this figure comes into play with cars but was unsure with bikes. If true, it will be well and truly a total loss. To be honest I would love to fix it myself if I had the sort of money involved to fix it, but having to get the insurance company involved and taking a hit myself with premiums etc in the future, I would rather the bike be written off and I can start again. What I don’t want is for them to fix it and be a left with a bike worth a lot less because it would have a category d or c damage on it, would never get rid of it even at a reduced price come the time!
Well, not really....i consider myself getting off lucky. Got pushed into riding the fucking thing by my mate at work, on it just over 90 seconds before a little old biddy stopped in a run off which in the 16 years ive been coming to work at this place no one has ever stopped, or should so i went straight into the back of her. Went against me (at the time rear enders were open and shut from a claim perspective) so i had to pay him the balance of his finance (i think about 6.something k in the end) for technically a written off bike. And, just to boot, it was the most uncomfortable bike ive ever owned with the whine-iest gutless (to a litre bike) engine ive ever had the pleasure of owning (even 50mph sounded like it was doing 100). I got it back into perfect condition and had it checked over by a yamaha specialist to make sure it was all ok and even then i couldnt sell it for love nor money - the only silver lining was that i swapped it with a bike shop who had an hyper 1100 evo...
And in that case razz will they just bow down and say fair enough here’s your money..or will they say tough luck??
Comfysofa that was certainly a sad set of circumstances under which yours took place ♂️ Great that you got it back into good shape, how much did you loose out on when trading it in versus a non categoried bike?
it’s like everything in life. Don’t ask, don’t get. It’s a negotiation. They’d like to pay you as little as possible, you’d like them to pay you as much as possible. You aim to meet in the middle. If you can’t agree, there’s an ombudsman you can go to.
