HBO Posted February 15, 2016 Posted February 15, 2016 Hi Guys If a bike is insured under Specified all risks would this cover cracked frames? Thanks Depends on the insurer and the cause.
hayleyearth Posted February 25, 2016 Posted February 25, 2016 With Miway, road bike R180 for 30 000 and race bike R280 for R50 000. I'm busy with a claim since my accident on Malmesbury road in the Derby dash Saturday that past cde group. Was well received, and miway requested to take my damaged bicycle (frame)to Chris Willemse Cycles for assessment cause they do the assessment down hear in Cape Town.Chris Willemse Cycles response to Miway is to replace the carbon frame (damage to the left rear back stay of my swift attack)but according to Rachel Lewis (rep) and Martinus.... (manager) they have a better understanding with Procycles up in Johannesburg that can fix carbon frames therefore Miway will ship the bike free of charge for further assessment.By now hands tied and completely out of the picture this exercise has taught me to expect the worse and nothing less from Miway. For my safety no matter the outcome I will stick to Oom Chris Willemse's assessment to replace the frame to avoid any further unseen medical cost and damages to other road users if failure should occur...hope my wife reads this Ps there will be a newly repaired 2015 swiftcarbon frame available shortly! Not sure about warranty but claim no674753 will be tagged to frame I have come to learn that they think they can simply just bend back Aluminium frames too - without any heat applied before, during or after bending. This was the damage (top link holes don't align anymore and swing arm is completely bent, drive side to non drive side):
Lurch the stalker Posted February 25, 2016 Posted February 25, 2016 I have come to learn that they think they can simply just bend back Aluminium frames too - without any heat applied before, during or after bending. This was the damage (top link holes don't align anymore and swing arm is completely bent, drive side to non drive side):swing arm.png...and they expected you to be happy with that?
hayleyearth Posted February 25, 2016 Posted February 25, 2016 ...and they expected you to be happy with that? There is NO way I can accept that. Clearly they understand nothing about engineering. It is not as if I use this bike for rides to the shops on Sundays only. Do anyone actually know anything about Procycles?(wait let me go start a thread)
Lurch the stalker Posted February 25, 2016 Posted February 25, 2016 There is NO way I can accept that. Clearly they understand nothing about engineering. It is not as if I use this bike for rides to the shops on Sundays only. Do anyone actually know anything about Procycles?(wait let me go start a thread)No sane person would accept that.I was just asking if they gave it back saying that they screwed up, or if they told you they fixed it and wanted money from you.
hayleyearth Posted February 25, 2016 Posted February 25, 2016 No sane person would accept that.I was just asking if they gave it back saying that they screwed up, or if they told you they fixed it and wanted money from you.Procycles "think they can simply just bend back Aluminium frames too - without any heat applied before, during or after bending." ....which means they have bent it back already (not the image shown)...the image is obviously of the damage (pre Procycles back-yard fix) as indicated.
Blackheart Posted February 25, 2016 Posted February 25, 2016 I had a poor experience with Cyclesure after a bike was stolen from my garage.After days of back and forth questioning:Was it chained - Yes.Was it the prescribed 12mm chain - Yes (and by the way, try finding 12mm chain in the first place).Was the chain locked - Yes.Was it the prescribed SABS lock - Yes.Did a detective come to visit - Yes, here's his report. (which showed the footprints going up the wall where the thief gained access, and the footprints outside the garage side door)Was the side door damaged - No.Ah ha! No sign of forced entry, not paying out... That final decision was taken by the underwriters (Hollard), but Cyclesure certainly didn't fight my cause.
Lurch the stalker Posted February 25, 2016 Posted February 25, 2016 Procycles "think they can simply just bend back Aluminium frames too - without any heat applied before, during or after bending." ....which means they have bent it back already (not the image shown)...the image is obviously of the damage (pre Procycles back-yard fix) as indicated.That part was clear, but still doesn't answer my question.Did they expect you to pay for their mess up, or did they say, "sorry we screwed your stuff up, no charge"
hayleyearth Posted February 25, 2016 Posted February 25, 2016 That part was clear, but still doesn't answer my question.Did they expect you to pay for their mess up, or did they say, "sorry we screwed your stuff up, no charge" They are convinced they can rebend AL like this without heat treatment etc etc.Apparently Ian from Procycles took it to his friend at SAA and his friend said "easy, we do it all the time"
Pure Savage Posted February 25, 2016 Posted February 25, 2016 Mailed my insurer and said that now I have house, 2 cars, 2 life policies and jewellery and bikes with them I want some customer loyalty vibe. They gave me 10% off my premiums on this years renewal. Very happy, R50k bike is now R151 per month. Happy chappy with discovery. * I have claimed on this before and got 100% payment faster than I could source a new frame.
Bub Marley Posted February 25, 2016 Posted February 25, 2016 I had a poor experience with Cyclesure after a bike was stolen from my garage.After days of back and forth questioning:Was it chained - Yes.Was it the prescribed 12mm chain - Yes (and by the way, try finding 12mm chain in the first place).Was the chain locked - Yes.Was it the prescribed SABS lock - Yes.Did a detective come to visit - Yes, here's his report. (which showed the footprints going up the wall where the thief gained access, and the footprints outside the garage side door)Was the side door damaged - No.Ah ha! No sign of forced entry, not paying out... That final decision was taken by the underwriters (Hollard), but Cyclesure certainly didn't fight my cause.Why does your bike need to be chained? That's ridiculous.
Bub Marley Posted February 25, 2016 Posted February 25, 2016 Mailed my insurer and said that now I have house, 2 cars, 2 life policies and jewellery and bikes with them I want some customer loyalty vibe. They gave me 10% off my premiums on this years renewal. Very happy, R50k bike is now R151 per month. Happy chappy with discovery. * I have claimed on this before and got 100% payment faster than I could source a new frame.I dig Discovery although im not happy with my premium. I insured a 15k bike with them for two years and the premium was 40 bucks a month. During those 2 years, i put in a claim for a pair of specs for like 3000 which my son broke. When I replace my old bike with another bike insured for 25k they wanted to charge me 250 bucks a month because of that one claim. Manage to reduce it a bit more but still quite expensive. Regardless though, if you add up all my discounts I get can cash back on petrol its still far cheaper than anyone else.
Help.Me. Posted February 25, 2016 Posted February 25, 2016 I had a poor experience with Cyclesure after a bike was stolen from my garage.After days of back and forth questioning:Was it chained - Yes.Was it the prescribed 12mm chain - Yes (and by the way, try finding 12mm chain in the first place).Was the chain locked - Yes.Was it the prescribed SABS lock - Yes.Did a detective come to visit - Yes, here's his report. (which showed the footprints going up the wall where the thief gained access, and the footprints outside the garage side door)Was the side door damaged - No.Ah ha! No sign of forced entry, not paying out... That final decision was taken by the underwriters (Hollard), but Cyclesure certainly didn't fight my cause.was the bike insured under the all risk section or house contents? how was it removed with the chain and lock in place?
Pure Savage Posted February 25, 2016 Posted February 25, 2016 I dig Discovery although im not happy with my premium. I insured a 15k bike with them for two years and the premium was 40 bucks a month. During those 2 years, i put in a claim for a pair of specs for like 3000 which my son broke. When I replace my old bike with another bike insured for 25k they wanted to charge me 250 bucks a month because of that one claim. Manage to reduce it a bit more but still quite expensive. Regardless though, if you add up all my discounts I get can cash back on petrol its still far cheaper than anyone else. Ja, after I claimed for my frame I think my premium may have gone up a touch, but got a full comprehensive quote from another broker, and they came in 25% higher.
Blackheart Posted February 25, 2016 Posted February 25, 2016 was the bike insured under the all risk section or house contents? how was it removed with the chain and lock in place?It was insured specifically through Cyclesure, not part of Household contents.No idea how it was removed, chain & lock were gone as well.
Blackheart Posted February 25, 2016 Posted February 25, 2016 Why does your bike need to be chained? That's ridiculous. It's a listed requirement in the agreement.12mm chain.SABS approved lock.
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