Immoral or not... you tell me (dilemmas of a shop-owner)

[RocknRolla]

I also wanna know which insurance company does not collect the goods once claim has been sucessfully processed. Nevermind sending an asessor to inspect.

 

Naas, Please enlighten us on the factual details or chronoligical events. Speculation helps nothing. If you are scared of implicating yourself, you shouldn't have posted in the first place, and rather contacted the insurance and alert them of the ongoings...

[Guest Karma]

 

But , like I said the client is the boss...

 

Not when it is illegal. 

 

It is always a good time to do the right thing, so do it.

[SwissVan]

Client has a one year old bike, frame breaks(cause unknown but probably due to fall), claims from insurance, claim is successfull. He also claims ito warranty - claim is successful. Also requested to add other items to the claim that could have been damaged but hardly warrants a claim(..I am uncomfortable with the state of affairs) but we push ahead(client is the boss), shifters and derailleurs and chain and cassette, tyres, almost a new bike now.

 

Many stories like the one above....

 

Are we getting screwed by insurance companies because clients screwed them or is it the other way round?

 

Is it right to get compensated twice for the same thing? To add on to the list of breakages and in the end, after being compensated more than fully still insist on getting the old parts and keep on using it for months to come...

 

But , like I said the client is the boss...

 

 

That's why I thought,,,,....???did I miss something

 

Nope, exactly what I thought reading the OP

After some rereading also decided that the deed has been done and now the OP is either:

1. Feeling guilty

2. Struggling to sleep

3. Both

 

TBH Naas never asked what he should, but rather whether if what was done was WRONG

Well that's how I unnerstand it...

[DIPSLICK]

Nope, exactly what I thought reading the OP

After some rereading also decided that the deed has been done and now the OP is either:

1. Feeling guilty

2. Struggling to sleep

3. Both

 

TBH Naas never asked what he should, but rather whether if what was done was WRONG

Well that's how I unnerstand it...

Or grumpy because he didn't get to keep the warranty

 

If I was OP I WOULD seriously consider your next post,possible hope the hub crashes so your original gets lost

It's also too late to pull a HA HA ONLY JOKING APRIL FOOL

[Skinnyone]

I also wanna know which insurance company does not collect the goods once claim has been sucessfully processed. Nevermind sending an asessor to inspect.

 

Naas, Please enlighten us on the factual details or chronoligical events. Speculation helps nothing. If you are scared of implicating yourself, you shouldn't have posted in the first place, and rather contacted the insurance and alert them of the ongoings...

Most non cycling insurance specific companies won't bother to send an assessor or even collect the salvage, as it is deemed too costly to do so...

 

My dealings with Cyclesure however have left me with hope, the assessor comes around takes pics, and a detailed report, if he cannot find damage on a certain part he makes note and that part will not be paid out for.

 

Like I said in my previous post I have had to store bikes that have been replaced by insurance for more than a year, thinking that the salvage crew is coming, you wanna know how much hassle it is to store a broken,beaten up bike for that long.... 

[RocknRolla]

Most non cycling insurance specific companies won't bother to send an assessor or even collect the salvage, as it is deemed too costly to do so...

 

My dealings with Cyclesure however have left me with hope, the assessor comes around takes pics, and a detailed report, if he cannot find damage on a certain part he makes note and that part will not be paid out for.

 

Like I said in my previous post I have had to store bikes that have been replaced by insurance for more than a year, thinking that the salvage crew is coming, you wanna know how much hassle it is to store a broken,beaten up bike for that long.... 

 

 

Had the opposite with Santam.

 

Claim asessed, processed and paid over december holidays within days.

 

Wreck collected within a week, Bike shop owner did say what a pain it is to keep wrecks for prolonged times.

[Patensie]

Had the opposite with Santam.

 

Claim asessed, processed and paid over december holidays within days.

 

Wreck collected within a week, Bike shop owner did say what a pain it is to keep wrecks for prolonged times.

Same experience with Santam. Very professional and fair.

[Slowbee]

Can someone contact said bike shop and lets get some clarity here.

 

The legal implications are two, too, to horrible.

[Naas Vermaak]

Since the OP is not going to clear up what happened I will throw my 2c in how the initial post goes, NAAS has done the deed(if I'm wrong it's because your post is not 100% clear) and I will apologize

The fact that the deed is done he knowingly facilitated fraud, plain and simple having second thoughts about it now is that little voice in his head kicking in saying WTF you know that's not legal ,,, trust me the insurance will not think HELL THATS NICE HE EVENTUALLY TOLD US ,,, they will process it as a fraudulent claim and he will be held accountable

If the deed is done its not good and evil ,,,it's 2 people involved in fraud

 

Slow down guys

 

OP was what was asked and expected of me. The guy was arguing since he's paying for insurance on his bike why can't he claim twice, both in terms of the warranty and the insurance - nothing processed sofar. All the added items though and the whole atmosphere surrounding the request was upsetting to me as I felt it is wrong and client is taking a chance.

 

 

You will not believe what is expected of shopowners from the guys you're riding with on a daily basis - it's like the guy just killing the 3 little dogs with a golfclub and none of the neighbours could believe it...he's been always such a timid and good neighbour

[Bloukrans]

Immoral? Nee, dis skelm!!

 

I think the OP was quoted out of context    

[Eddy Gordo]

I hear you.

Also the frame still under warranty and it is insured. So let the customer claim from insurance if he wants a new bike, chances are that he will only get a frame. Follow the process with the insurance on behalf of the customer

[Captain Fastbastard Mayhem]

Slow down guys

 

OP was what was asked and expected of me. The guy was arguing since he's paying for insurance on his bike why can't he claim twice, both in terms of the warranty and the insurance - nothing processed sofar. All the added items though and the whole atmosphere surrounding the request was upsetting to me as I felt it is wrong and client is taking a chance.

 

 

You will not believe what is expected of shopowners from the guys you're riding with on a daily basis - it's like the guy just killing the 3 little dogs with a golfclub and none of the neighbours could believe it...he's been always such a timid and good neighbour

Awesome. So you've done nothing wrong. 

 

It's a warranty claim, pure and simple. Insurance is there to pay for stuff that the warranty won't cover (manufacturing defects, mostly) which is essentially crash damage and theft. 

 

He's trying to pull a con. Set him straight, Naas

[Flowta]

Slow down guys

 

OP was what was asked and expected of me. The guy was arguing since he's paying for insurance on his bike why can't he claim twice, both in terms of the warranty and the insurance - nothing processed sofar. All the added items though and the whole atmosphere surrounding the request was upsetting to me as I felt it is wrong and client is taking a chance.

 

 

You will not believe what is expected of shopowners from the guys you're riding with on a daily basis - it's like the guy just killing the 3 little dogs with a golfclub and none of the neighbours could believe it...he's been always such a timid and good neighbour

 

This is how I understood it

[VicanZA]

My 2c worth, My clients do lots of claims over the year for lightning etc, never had an assessor out or been asked for the old kit, seems like its not unique to IT.

[Spez247]

I don't insure, nor never will I insure a bicycle, so it is with interest that I read the thread.

 

As an aside, when we have a partners meeting & discuss a bit of strategy, one partner HAS to be devils advocate, so that we don't have a "Yes Sir, that is a great idea Sir" scenario. You really have to make your case, to be able to shoot down the guy that is being a thorn in your idea.

 

In this case, I would like to take the client's side, (mostly because I am not a fan of insurers, & their get out of jail cards which are in the small print). That fine print has been the downfall of many an honest person.

 

From my understanding, when I buy a New bike, I have a warranty on the frame (still don't understand why this isn't transferable to the second, third or fourth owner.... sounds like the first Get out of Jail card, for the manufacturer...), I pay for the Warranty, even though it isn't shown as a cost, but its factored in there.

 

I damage the frame, and the Manufacturer has the Option to replace or not.

 

So the client then takes out Insurance on the bike. The insurer has the Option to replace or not.

 

Now imagine one or the other declines to pay out. I have paid 1 lump sum (which includes the warranty "fee") when purchasing the frame & a monthly instalment, for peace of mind. Is it really that unfair to claim from both parties that you have been supporting?

So I can't benefit unduly, but the manufacturer & the insurer can?

 

From my understanding, it's Law, that you aren't allowed to benefit, but who got that law passed? TV licenses / Etolls / etc are all laws, but does it make it right?

I am pretty sure that we have seen how big business operates....

 

In a perfect world, as riders, we would only insure for theft, and accidental damage. Defects would be covered by the warranties, but it looks like an overlap, in that we pay for it twice.

 

Am I seeing it wrong?

 

The insurance thing is interesting to me.

BTW I have never claimed on any defective item on a bike, so I don't know if its a long & tedious process or not, but from what I have read on The Hub, some of you had to wait very patiently for issues beyond your control....

 

Flame suit zipped.

[Patchelicious]

I don't insure, nor never will I insure a bicycle, so it is with interest that I read the thread.

 

As an aside, when we have a partners meeting & discuss a bit of strategy, one partner HAS to be devils advocate, so that we don't have a "Yes Sir, that is a great idea Sir" scenario. You really have to make your case, to be able to shoot down the guy that is being a thorn in your idea.

 

In this case, I would like to take the client's side, (mostly because I am not a fan of insurers, & their get out of jail cards which are in the small print). That fine print has been the downfall of many an honest person.

 

From my understanding, when I buy a New bike, I have a warranty on the frame (still don't understand why this isn't transferable to the second, third or fourth owner.... sounds like the first Get out of Jail card, for the manufacturer...), I pay for the Warranty, even though it isn't shown as a cost, but its factored in there.

 

I damage the frame, and the Manufacturer has the Option to replace or not.

 

So the client then takes out Insurance on the bike. The insurer has the Option to replace or not.

 

Now imagine one or the other declines to pay out. I have paid 1 lump sum (which includes the warranty "fee") when purchasing the frame & a monthly instalment, for peace of mind. Is it really that unfair to claim from both parties that you have been supporting?

So I can't benefit unduly, but the manufacturer & the insurer can?

 

From my understanding, it's Law, that you aren't allowed to benefit, but who got that law passed? TV licenses / Etolls / etc are all laws, but does it make it right?

I am pretty sure that we have seen how big business operates....

 

In a perfect world, as riders, we would only insure for theft, and accidental damage. Defects would be covered by the warranties, but it looks like an overlap, in that we pay for it twice.

 

Am I seeing it wrong?

 

The insurance thing is interesting to me.

BTW I have never claimed on any defective item on a bike, so I don't know if its a long & tedious process or not, but from what I have read on The Hub, some of you had to wait very patiently for issues beyond your control....

 

Flame suit zipped.

Your warranty wont cover theft or accidental damage, like you said, however most insurers wont pay on manufacturer defect, unless you specifically ask for it, which you will only do if you dont have a warranty in the first place.... so you aren't really paying double cover.

 

No need for a flamesuit, was a valid question, I think