HBO Posted September 10, 2015 Posted September 10, 2015 As an Insurance broker I can confirm that bicycles are insured (specified) under the All Risk section. this means that it is covered for any type of event including accidental damage BUT excluding wear and tear. The onus is always on the client to prove his claim. You do this with your statement of what happened supported by a report from the LBS/ manufacturer and quote to replace/ repair and of course some photos always helps. If the insurer rejects the claim because for example they say it is wear and tear, the onus is on them to prove that or at least give a very good reason supported by facts. I recently claimed on my insurance for something I would rather argue is a manufacturing issue, but Trek didn't come to the party. I wasn't in the mood to argue and claim from my insurer (Santam) without any hassles. it is important to bear in mind that in order to claim for damages, the said damages must have been caused by an event. If you just ride on a smooth road and the frame just suddenly crack, that is not an event. If you rode through a pothole, that is an event. It is therefor important to submit your claim correctly. A broker can help with this. Just saying. In this specific scenario, the crack is either caused by an uneven road service (which will warrant an insurance claim- accidental damage) or manufacturing error. Imo its to new to be wear and tear.
Eddy Gordo Posted September 10, 2015 Posted September 10, 2015 My understanding on all my insurance policies including the bike cover is they payout for damage as a result of an incident, anything else is wear and tear. Just like with car insurance if your diff randomly develops a crack or the headgasket blows no normal all risks insurance plan will payout for that. Unless that is if it was as a result of being involved in an accident, otherwise some mechanical insurance policies will but that's a totally different thing.That was one thing I made sure about. If anything breaks while I am riding regardless I want it to be covered
JXV Posted September 10, 2015 Posted September 10, 2015 They upheld Discovery Insure's view that the frame cracked due to normal wear and tear.....Oxymoronic....... If the frame is regarded as a wear and tear (consumable) item then what other part of the bike could be any less of a wear and tear item.... So.....surely unethical to offer insurance against damage if all the constituent parts can be excluded on the basis of being wear and tear items. How can an ombudsman be so fundamentally illogical?
Kelson Elena Da Cruz Posted September 11, 2015 Author Posted September 11, 2015 Since it's a cr 1 road bike I'm hedging my bets that kelson is 100% truthful. I've seen a few cr1 frames crack on the top tube in a similar location. In each of those cases the same excuse was given by the distributor in that the top tube was clamped too firmly by the lbs. In the case of a friends bike I know for a fact it was never clamped there since his bike carrier was a roof rack type and the lbs always clamped it by the seatpost. My opinion is that Scott have a known problem on those frames and are just fobbing their customers off so they don't have to replace the frameHis and a few others experience with the warranty on their cr1 frames is why I'd never buy or recommend one. Kelson good luck and fight the good fight.Thanks I just forward your topic to Scott so maybe they will wake up
Kelson Elena Da Cruz Posted September 11, 2015 Author Posted September 11, 2015 It would be interesting to know if the OP services this bike himself or has it done by a shop. To me (an unqualified opinion) it looks like a crack that has resulted from the frame being clamped too tight in something. Maybe in the past, that resulted in a weakness? There's not enough evidence ~ or suitably qualified commentators ~ to determine what happened, or for that matter, to assume that it is a manufacturing defect. Thanks , I always service my bikes myself , got work station and clamp the the bike on the fork (stay ) and always transport the bike on the back seat of my car !
Kelson Elena Da Cruz Posted September 11, 2015 Author Posted September 11, 2015 mmm, the write up from Scott seems like a blame shifting exercise, closing the enquiry in the process. They feel that's text book external - which it may well look like. Did they physically examine the frame or just see the photos? I would be inclined to think that if it is external - there should be some indication, indentation, pressure marks etc. In my imagination - that break looks very possible from a stress point of view - thinking what it would look like if you (gently - so that it does not weaken where you clamp it) clamped one side and twisted the other end back and forth until it broke, I don't imagine it being a clean single directional break... Shoot man, I hope you come right! Scott just see the photos !
Kelson Elena Da Cruz Posted September 11, 2015 Author Posted September 11, 2015 tanks for that info... Out of interest, how old was the frame?Around 2 and half year , still under warranty !
Rudi Pollard Posted September 11, 2015 Posted September 11, 2015 Scott just see the photos ! Why don't you get an authorised Scott dealer to investigate the bike and write a report.
johannrissik Posted September 11, 2015 Posted September 11, 2015 YO!The reply from Scott is sloppy, arrogant and unedited. (e.g. "martial defect"). Classic "how not to treat your customers" stuff. @ OP There are lots of other fish in the sea
raptor-22 Posted September 11, 2015 Posted September 11, 2015 Thanks I just forward your topic to Scott so maybe they will wake up this probably won't help your case because we're all just anonymous people of a blog. I think if you start a topic asking for people with similar frame failures to share their experience you'll have a better case.Also do a google search on the CR1 frames. I was quite alarmed to see how many threads there are where people are complaining about cracks in these frames. that information ismore supportive of your case than just choosing random posts. My Pal has long since repaired and sold his CR1 so he won't participate. he moved on and out of cycling
raptor-22 Posted September 11, 2015 Posted September 11, 2015 YO!The reply from Scott is sloppy, arrogant and unedited. (e.g. "martial defect"). Classic "how not to treat your customers" stuff. @ OP There are lots of other fish in the sea Scott Reply2.JPG Unfortunately this is what we have to deal with.
Edition 507 Posted September 11, 2015 Posted September 11, 2015 YO!The reply from Scott is sloppy, arrogant and unedited. (e.g. "martial defect"). Classic "how not to treat your customers" stuff. @ OP There are lots of other fish in the sea Scott Reply2.JPG I doubt a crack like that will be the result of a bike stand or clamp. A martial defect of that magnitude can only be the result of a karate chop.
johannrissik Posted September 11, 2015 Posted September 11, 2015 I doubt a crack like that will be the result of a bike stand or clamp. A martial defect of that magnitude can only be the result of a karate chop....or a Scott tjop ?
Sidmouth Posted September 11, 2015 Posted September 11, 2015 I have had 2 warranty claims with TREK, both times my bike shop confirmed the problem and within days a new frame arrived, I think it is vital you have a LBS that knows you and the history of your bike, the agents what to deal with there authorized dealers.
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