Zatek

Tires are 25's, brake calipers came loose after accident and only realized it after a couple of km. Brake pads came off a different bike as you use different pads on alu and carbon wheels. You could on the tires as well how the brake caliper rub the tire.

It is open to interpretation and you have to prove your point like carbon having "gradual deterioration over time" but will expand on this point when everything is sorted.

I will provide a short summary of my experience on the process of the claim after everything is sorted

We are standing at a month and 10 days not 6 days.

So Naked only accept partial acceptance but here is the kicker. I need to buy the items first and provide pop they will reimburse me. What is the point of having insurance if I must pay it first?

RAW did a revision to their report. Back to waiting again

Hi. I am looking for someone to assist with buying a frame feom someone and to package the frame for me please?

Naked and RAW decided only the wheels are covered as the rest is due to wear and tear (carbon fractures on 2 deferent places) over the years. My Look pedals are bent but according to RAW is normal wear and tear after sending the videos and Look Internasional confirmed it was not due to wear and tear. No mention of my saddle that broke as well.

According to Naked it was presented to underwriters but now it must be signed off and it apparently it is marked as urgent (don't think I will comment on this one). 1 month and 6 days since claim was submitted.

So RAW provided feedback at about 15:00 today so the claim is going back to Naked for approval again at the underwriters.

The downtube and rear triangle is not fracture. The rest has gotten fractures and saddle is broken and some other issues as well.

After being investigated after 6 days and getting cleared and waiting 2 days for a decision now apparently or should I say by magical RAW has a carbon fork and now waiting again for them to confirm, after that they will probably need to get approval again

Issue I have is that I did everything as they requested and were open and honest about everything and confirmed all the steps and information. Why does it take longer than a than a month and longer than 8 working days for them to reach a decision? Do you specify a bicycle saddle, cables etc? Where does it end? It was eacaleted to an Investigator yesterday asking where did I obtain the replacement quote and whatsapp messages. I even told them I have a eye witness. They make me feel like a "skelm" even after they mentioned and took note of my transparency and honesty.

I told them when I submitted the claim and asked if I should put the old wheels back which they said no and was upfront about where the wheels came from. I insured a bicycle and only specified the powermeter, pedlas and carbon bars. Never asked that wheels should be replaced with carbon wheels.

That will teach me to he honest. Wheels are not insured as it was his spare set .

Try 4 weeks. It's 6 days after they received all final reports and investigations. Claim was submitted 12 April

It feels like they are stalling to give a low ball settlement.

I am also still paying for the bikes' insurance as well Is this normal practice?

At this stage they don't even want to give an indication on what their intentions are on the frame or saddle which makes it even worse.

If the bike is written off how can they only pay a portion as any wheels.carbon or alu would have been written off. Even the saddle was broken due to the force off the impact.

I was upfront with my insurer from the start. Rexeived the wheels the night before after 7.00pm so there was no way off updating the item but does it really take 6 days to reach a decision. The frame alone should warrant that the bike be written off so the wheels should even be in consideration according to me as you can not get the frame anymore and the equivalent bike is about double the insured amount.

CBR confirmed carbon fracture on head steerer and top tube as well.

Our route goes over railway tracks for ages but think the slabs shifted as after going over them (probably took the wrong line) everybody complained how worse it has gotten all off a sudden. I even told I have a eye witness that was next to road as well.

Problem is the frame alone is already 40% of the insured amount. Waiting for feedback from Look as my pedlas are also bent and suspect the crank is as well. Bike was insured as completed bike if I had any other wheels on it would also have fotten damage on. Does it really take a 6 working days (and counting) to decide? Even the back tire has gotten a bubble on due to the impact. Breaking surface is bent in and the seating bead is bent outwards and separated from breaking surface.

The insured amount was less than replacement value with or without the varbon wheels. I don't want extra money for the carbon wheels just the insured amount.