I was knocked off my YZF R125 in November by a woman that
pulled out on me from a side road. No doubt in liability but she has been slow
to return her accident form to her insurers so my insurers (AXA) won't commit
to it being a non-fault claim yet.
They have paid out on my write off bike so I'm planning to
pick up my new bike on Saturday. So I called to swap my policy onto the new
bike,a KTM 125 Duke but they are saying they will not insure that bike and
won't give me a reason why not???? They say I will need to get a separate
insurance policy from another insurer yet keep paying my policy on the written
off bike. Furthermore, until the liability is settled I have to declare the
claim as MY fault and declare 0 NCD. Doing this more than doubles the premium I
am currently paying and I simply cannot afford to pay this, this side of xmas,
especially as I am still owed my £350 excess.
My rental bike is off-hired next week and I will potentially
be bikeless until the TP insurer pulls their finger out in the new year.
What can I do?