Experience with Insurance Company

[Jay]

I have a repaired bike back home again.

Talking to the delivery driver even he was shocked at what they did.
Thank you all for your comments. Was not actually expecting anybody to respond after my war and peace post
Will take time to answer your comments below

Chuffed for you buddy Now get out and enjoy it

[ptolemyx]

A few years back one of the gang rear ended me, just after I'd bought my first Busa and it was still showroom condition. Fortunately that great mate paid for my repairs out of his own pocket. Your experience confirms we should use our insurance providers as a last resort.

[TLS-Moose]

Your mistake was speaking to your own insurers. As this was a third party claim, there was no need and all it did was open you up to increased premiums for no significantly reduced hassle.
You should have taken the other parties insurance details and spoken to their claims department direct. Once liability was established, they would more than likely have paid your £175 direct. There was no need for the motorcycle to have been taken away for assessment, certainly no need for it to be retained in storage, and to be honest looking at the damage almost no reason why you couldn't have continued riding the bike whilst all that was resolved.

[Jug]

Glad you've finally got your bike back Rob.

Your mistake was speaking to your own insurers. As this was a third party claim, there was no need and all it did was open you up to increased premiums for no significantly reduced hassle.
You should have taken the other parties insurance details and spoken to their claims department direct. Once liability was established, they would more than likely have paid your £175 direct.

I've done similar with a car claim.
The other parties insurance were keen and almost grateful. They actually paid me a little more than the price I told them it'd cost to fix, they were just happy to be able close the claim quickly & cheaply.. and I then saved a bit by picking up a replacement on ebay (that was the right colour) rather than going for a new part and then having to get it sprayed - Win/win.

[Kata]

Good advise Moose. 4th Dimension just pile on the charges and it's in their interest to delay things. I've had the misfortune to have dealt with them before.

Good for you to complain Menzies. There is something wrong in how this scam still works!

[bkingalan]

These are people who have got mine and they have had it a month longer than yours Rob
So that's £1500 more in storage so far, just getting the weekly email saying waiting for parts

Alan, im so sorry

My only advise is to push them a bit. I think i started to make a difference when i was telling them that my local BMW garage had the part on the shelf would you like me to purchase them for half the price that your purchasing them for and ship them to you next day rather then your supplier who takes months...... they didnt like that and things started to hurry up after that one. I also let them know that the bike has a GPS tracker on it and be careful as I know everything that is happening to the bike including anybody who test rides it..... they didn't like that either. Have the test rider tracked at doing 35mph in a 60

Annette sent a email to today airing our concerns over the period of time it's taken
They replied with we are waiting for 2 parts,
rear brake lever assembly, nothing wrong with it I've got a picture of it due this week but not arrived waiting for a new date, it's not the end of the week yet
Centre stand nothing wrong with it got a picture, due date date 16.12.22 WT*
Going to contact bike sure to let them know I'm not happy at all

[menzies3032]

Your mistake was speaking to your own insurers. As this was a third party claim, there was no need and all it did was open you up to increased premiums for no significantly reduced hassle.
You should have taken the other parties insurance details and spoken to their claims department direct. Once liability was established, they would more than likely have paid your £175 direct. There was no need for the motorcycle to have been taken away for assessment, certainly no need for it to be retained in storage, and to be honest looking at the damage almost no reason why you couldn't have continued riding the bike whilst all that was resolved.

Moose this was the first thing that i did. The person that nudged me is my best mate and also a forum member on here and we made direct contact and said we can save you a fortune. They dint want to know as they also use 4th Dimension and just said everything will be routed through them.

Go figure

[Jug]

I know I'll now be asking about 4th Dimension when renewing my current policies..

I did similar a few years back when I started reading bad reviews from people who were dealing with Markerstudy Insurance Services Limited (MISL). I now won't take out any insurance where the underwriter is MISL.

What I fear is that 4th Dimension might already control the market, in which case what choice do we have.
In fact I'm gonna contact mine now and ask them.

[chr1s]

Your mistake was speaking to your own insurers. As this was a third party claim, there was no need and all it did was open you up to increased premiums for no significantly reduced hassle.
You should have taken the other parties insurance details and spoken to their claims department direct. Once liability was established, they would more than likely have paid your £175 direct. There was no need for the motorcycle to have been taken away for assessment, certainly no need for it to be retained in storage, and to be honest looking at the damage almost no reason why you couldn't have continued riding the bike whilst all that was resolved.

Moose this was the first thing that i did. The person that nudged me is my best mate and also a forum member on here and we made direct contact and said we can save you a fortune. They dint want to know as they also use 4th Dimension and just said everything will be routed through them.

Go figure

I'm struggling to understand why Mark's insurance broker/company refused to entertain paying £175 and instead payed out £5K+?
Only angle I see is Mark's broker has a hand in the accident management companys' pie as well?!

Anyway, I hope Mark is okay and back on 2 wheels.

[bkingalan]

Annette phoned the claims line at bike sure today and guess what it went straight to 4th dimension

As we have expressed concerns over the time it is taking they needed to speak to me direct, after a long conversation earlier he (customer relations manager) agreed to look into it also agreed that someone should have checked the bike for errors on the suspension as it would be a KTM issue if there is a error therefore KTM responsibility
Apparently 4th dimension don't change market study storage charges as they do all of market study repairs convenient or what??
Wait and see now (again)

[Jug]

Annette phoned the claims line at bike sure today and guess what it went straight to 4th dimension

lol.. bugger.
I've just sent Bikesure a question to ask if they use 4th Dimension, and if so do I have an alternative should I have the need.

[Robbo87]

Annette phoned the claims line at bike sure today and guess what it went straight to 4th dimension

lol.. bugger.
I've just sent Bikesure a question to ask if they use 4th Dimension, and if so do I have an alternative should I have the need.

There's a few of us on here with Bikesure I think. I'm one of them and am very interested to learn the outcome of your enquiry Jug, please keep us up to speed.

[Jug]

There's a few of us on here with Bikesure I think. I'm one of them and am very interested to learn the outcome of your enquiry Jug, please keep us up to speed.

Bad news Robbo.. they've confirmed 4th Dimension are their claims handlers and that "In the event of a claim, we would aim to ensure that the vehicle is repaired as soon as possible".
No mention of an alternative repair route.

For now if I did need to make a claim, one that was not an obvious write off, I would first explore options like specifying which dealer would do the repairs (if that is allowed). Upon renewal I will have a proper conversation with them about this as that is when you actually have some leverage and their sales person will be more forthcoming with information.

The other thing that this thread has alerted me to is what could happen even if you allow the 3rd parties insurance to handle the claim. If they use 4th Dimension then you could end up in this situation regardless.

I suppose all of this has been made worse by the covid parts supply issues, but that doesn't excuse the fact 4th Dimension appear to be inflating claims by replacing parts that don't need to be, and it could be one of those parts that means you don't get your bike back for months.

[menzies3032]

Chris
I was really surprised as well as I thought the idea of a simple receipt of an invoice then pay me the money would be an easy option but i assume due to the people that tried to swindle them in the past where people make deals with garages for some extra cash of the insurance company they have now contracted to claim handlers like 4th Dimension. Only issue is that 4th Dimension are the worst one of the lot of them. Oh and Mark has got a new bike already picked up a Kawazaki Z1000SX from SP Motorbikes last week.

Jug
Your also right i was surprised how powerless my insurance company was when it was a 3rd party claim. I had assumed that my insurance company dealt with it and just get the money back off the 3r party insurance but clearly does not work like that. Also one of the interesting points you raise is where 4th Dimension are getting their parts supply from. Where every it is it is clearly some kind of central deal (so probably European based) and very clearly they are not approaching local main dealers as parts are taking weeks no doubt had increased prices once they consider shipping, import duties etc. Also you point about 4th dimension dealing with write offs is a good point as i know the Marks bike was pickup up within a week was written off a week later and money was in his hand shortly after.

Now one think i will say about 4th dimension is they did a bloody good job. When i did get the bike back it was shining like a pin the repair work was spot on and the bike looked like new. Also clearly the bike had been stored inside and the battery had been on charge the hole time it was away.

Went for a short ride today and was a total pleasure to be back on 2 wheels.

[Kata]

I've just joined the AA recovery service. As part of it they do a service that handles repair after an accident instead of your insurance company. Uses main dealers. Don't know if this is for bikes too.

Glad you got bike back Rob, you sound quite lucky.