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Posted

I have insurance on the frame but the insurance want to have the frame repaired instead of replacing it

 

need to have the repairer or bike shop motivate that the repair is not going to fix it or cannot be repaired or not recommended as the effect on weight/performance etc etc 

Posted

Top tube cracked clean through... that would be reason enough to push for a new frame instead of a repair.

 

On a road bike could this possibly contribute to balance / wobbling issues at speed?

Posted (edited)

I had a similar experience recently, insurance would not approve replacement but only paid out for repair as policy states repair is preferred where possible. Even with damage report and manufacturer's letter of replacement recommendation it was not entertained.

Edited by Nicholson
Posted (edited)

I had a similar experience recently, insurance would not approve replacement but only paid out for repair as policy states repair is preferred where possible. Even with damage report and manufacturer's letter of replacement recommendation it was not entertained.

 

not to be funny but why have the insurance then - sounds to me like the repairer gets a nice payday by promising repair whether it is recommended or not - also the manufacturer will always recommend replacement am sure the insurance knows this - they make sure their assessor is educated about the item etc. so you sound pretty screwed - by your insurance that is.

 

I would then expect it to be as good as new and would be an insurance worst nightmare to get it done perfect.

 

Who is the insurer? would like to know so the rest of us do not use them...

 

repaired is never the same as from the factory it could possibly be stronger or less so and the weight wont be same due to more or even less material used than OEM. The area on the frame cannot be remanufacured like originally. 

Edited by s14phoenix
Posted

This is an issue which comes up time and again on the various insurance related threads.

Small print aside (but be sure to read those carefully), isn't insurance supposed to place you in the same/similar position you were in prior to an incident.?

I don't see how repairing something to a fraction of it's prior value is doing that.

Salvage for repair and sell it to recover some of the insurance settlement if your conscience allows you to do that.

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