Arthur Daley Insurance quote

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vickster

Legendary Member
I am inept when it comes to mechanical stuff and have no time and interest in learning! I find anything fiddly utterly frustrating! Cake baking isn't fiddly like bikes - for me anyhow (not that I am much of a baker). Quite happy to pay others to do stuff, as I am quite happy to pay M&S for cakes :hungry:
 
Location
Pontefract
I am inept when it comes to mechanical stuff and have no time and interest in learning! I find anything fiddly utterly frustrating! Cake baking isn't fiddly like bikes - for me anyhow (not that I am much of a baker). Quite happy to pay others to do stuff, as I am quite happy to pay M&S for cakes :hungry:
Trust me bikes are much easier than cakes. ^_^
 

screenman

Squire
So the van company gets off lightly and because it did not hurt them they will not remember to tighten up their driving skill.
 
Location
Pontefract
So the van company gets off lightly and because it did not hurt them they will not remember to tighten up their driving skill.
I have driven all my life and used to drive a class 2 hi-ab, that sort of statement is crass in the utmost. Take this to the extreme, company claims insurance however much is spent on the claim, insurance goes up, you complain next year, because of increased living costs.
As I don't know the full details of the incident, it may not have been down to a driving incident, an example could have been whilst making a delivery, things happen, the number of deliveries I made that didn't have incident was quite amazing considering where I had to make some of them anything from muddy building sites to central London and power stations where the use of the crane close to power cables had to be safety checked before you could continue, and almost anywhere in between.
All my goods were delivered with out damage and in 4 years the number of times I was late you could count on two hands, in whatever weather, goods ranged from carbon powder (bags and hoppers) after which the bed needed a good jet wash (upto 1 hr), to lifts, power control units, rollers from the steel industry, roller shutters doors and machinery some powder coated, hence the reason the bed had to be spotless.
Now I don't claim to be a perfect driver no one is, things happen as I said to the very best.
I will get of my soap box, but just to say that for the amount of traffic on out roads, I for one find most roads users quite considerate, but all it takes is one lacks of concentration, of which we are all guilty of from time to time.
 

Cycleops

Legendary Member
Location
Accra, Ghana
As Vickster says present an alternative quote from another shop to show you are being fair. I am sure this not the first time they have had to settle a claim like this and it is to their advantage to deal with it in this way.
 

Gravity Aided

Legendary Member
Location
Land of Lincoln
Pretty much standard operating procedure in the States to present 3 quotes, unless the company recommends someone. I think all parties involved have a good reason to settle this fairly.
 

vickster

Legendary Member
@Nigelnaturist I think the driver here had to disentangle the bike from his van and then drove off, knowing full well what he had done.

Things happen of course, and I am sure he didn't damage the bike deliberately, but he could have left a note on the bike :smile:
 
OP
OP
Moda

Moda

Active Member
@Nigelnaturist I think the driver here had to disentangle the bike from his van and then drove off, knowing full well what he had done.
Yes, I have a picture with the driver quite clearly man handling the rear wheel of the bike from the vans back wheel arch. I would post images but as the man and the company can quite clearly be identified I think I'll hold off for the moment.

With regards some of the other replies..... I'm not trying to preach, lecture or come across as a goodie goodie but I genuinely feel that the LBS's I've spoken to have done nothing but try to take advantage of the situation for there own financial gain. I spoke to the shop (a well known chain) that I bought the bike from about this yesterday and the first thing the mechanic asked me was "OK, what's been damaged?". The implication being that they'll only replace items damaged in the incident. Not 1 of the LBS's has asked me that question :sad: if it looked scratched/scuffed its been quoted for replacement regardless.

With regards prices I'm not expecting anyone to work for free or at a reduced rate but also I'm not expecting anyone to inflate prices/damage either. Average cost of LBS 'insurance quote' is £40 so getting 3 is a pretty sum of money.

Years ago I went into the back of a car in the wet on my bike. The 'insurance quote' for damage repair would have had major financial implications at the time. The woman had the work done privately at a substantially reduced cost. I've never forgotten that act of decency.

Apologies for the title as it implies that this is an insurance issue....it's not, the company are paying out of there own pocket.
Again don't want to preach but inflated insurance costs are just passed on to us in the form of higher premiums. A couple of days ago a cyclist was knocked off his bike by a Audi convertible with a child in the back. Thankfully only injury was bruising but the driver sped off. It was suggested that it might have been because of lack of insurance. Could thousands, 10's thousands of inflated claims pushed this drivers insurance up to the point they thought it was worth the risk of not being insured? How much misery do uninsured drivers cause when they have accidents?
 
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Location
Pontefract
@Moda I totally agree with your sentiments there regarding insurance. Though theses days it's unlikely an uninsured vehicle will not get noticed by the police if driven often as happened with the O.H's half's lad a couple of years ago, though this was a little bit of a cock up with insurance payments (its a little more involved that just the payment though), and in court enough prove was presented to show that there was no intent to drive uninsured and found not guilty, though never got the cost of the car being impounded back.
 
OP
OP
Moda

Moda

Active Member
Have got what I feel is a reasonable insurance quote that is fair to both sides.

A couple of things need replacing but are only cosmetically damaged and also the wheelset only comes as a set.

What happens to the paid for but not needed front wheel and the perfectly ok but cosmetically damaged other bits being replaced?
 

michaelcycle

Senior Member
Location
London
Welcome to capitalism.

The company are essentially failing to comply with the duties of their insurance policy by not reporting the incident. It's hardly surprising they are being accommodating to you.

The bike shops are asking for a price the market can support as if it would if an insurance provider is involved. That is legitimate.

I'm glad you got this sorted out but really if there is any fault here it lies with the offending company, not the bike shops in my view.

ETA: edited for clarity.
 
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