So if your bike is stolen and recovered but is a write off does your 3rd Party Fire&Theft insurance cough up?
Stolen- recovered but write off Q
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is theft (and fire),if a write off the ins will have to cough up providing it was all legal and probably kept secured in a brick built garage.
on the exact merits of each case.
A write-off isn't necessarily badly damaged - its simply that the cost of repair (parts / labour / VAT) outweighs the cost of changing the bike. You may be able to get the bike back, and repair it yourself.
For an older / lower value bike, it might not need much to be considered written off.
my r100gs was fpft and was stolen off my mates drive and i had locked it up. it got recoverd and was a cat c as it was to costly to fix.
i got the bike back with a fixed priced. then just had to fix the starter key and got it mot,ed and its still on the road 3years later
if you wont your bike back go and see the bike 1st and see the damage 1st hand. as it my just be broken locks and not much other damage
My mate will be happy - left his immaculate ZZR parked for 5mins and some scroats pushed it off. Couldn't start it but pushed it up and down, repeatedly dropping it on both sides, so all plastics inc. tail piece, engine both sides, bars, levers, can etc. all completely trashed. Gutted when he got it back as he expects the insurance doesn't cover it. Definitely written off so I reckon they will pay out. How much though, is a different story.
make sure he reads the small print. ie needs to be locked if parked at home ect
Sure they'll wriggle out if poss, but it wasn't at home it was parked temporarily on a street. They're still covered when not garaged at home I'm sure.
the age of it, some parts will be available from breakers.
As for wouldn't start, tip-over switch? Or possibly damaged sidestand or neutral switch after being decked?
It was the scroats who couldn't start it and smashed it up, not my mate!