RE: [ST] 0 mph fall / UK no-claims question

["Chris" <strizver2@xxxxxxxxx>]

Alex,

Terribly sorry about your mishaps. I know how frustrating this can be.
Here's my .02 worth:

First, give your insurance company a call. Usually, you can tell them your
situation and ask them what the effect will be. Ask for specific $$ amounts
if you're comfortable letting them know who exactly you are. If you're not
comfortable with that, I'd suggest switching insurance companies and finding
one that you are. A good insurance company will be able to tell you exaclty
what will happen. It really doesn't make sense to be paying for a service
all these years, then be afraid to find what your options are when you need
to use it!

Second, I'd really really consider getting the new fairing pieces. My bike
has been down twice, a 5 MPH and 0 MPH. I've had side panel replaced (my $$)
and the nose painted. Someone has subsequently kicked the new panel since
then. My point is is that many of the tabs the fairing screws go through are
broken. The fairings are secure and you really can't tell from a distance,
but the fairings just don't fit quite as nice now. It is a real irritation
everytime I take them off that I have to be soooooo careful not to do more
damage to them. It would have been worth it to me to make a claim and get
new "showroom-quality" fairing pieces. Check your fairing mounts carefully
before deciding to keep them. There is JB weld and other solutions, but like
I said, you pay for insurance....

Better luck to ya!

Chris Strizver

> -----Original Message-----
> From: owner-st@xxxxxxxxxx [mailto:owner-st@xxxxxxxxxx]On Behalf Of Alex
> Hendry
> Sent: Friday, October 04, 2002 1:58 AM
> To: ST@xxxxxxxxxxxxxx
> Subject: [ST] 0 mph fall / UK no-claims question
>
>
> Hi All
>
> So after my 0 mph fall over on my drive 2 weeks ago, I am still thinking
> about what to do, when I do the same thing again!  Worse, on
> picking it up,
> I lob it over onto the other side.
>
> Seems to have damaged both fairings, part of the lower fairing, the back
> brake lever, the gearchange lever, the front brake lever and some
> scratches
> on the rhs mirror.
>
> I was thinking to ignore the cosmetic stuff for now and just replace the
> essential, and perhaps try the filling and painting the fairings/mirror
> myself.  In this way I keep my claim free record.
>
> Before I do that, I was wondering if any UK lister had had a similar
> situation where they made an insurance claim, and as well as
> losing the no
> claims discount, did the premium rise by much the following year?
>
> Also, anyone anywhere done similar, and had more damage than I
> mention, that
> perhaps I should be checking for as well?
>
> After some 30 years with no accidents, I have 2 incidents in 2
> weeks, both 0
> mph tip overs, I feel such a twat!
>
> Thanks for help..
>
> alex ST 2000 - still mostly black
>
>
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