Insurance Question

[firewolf]

Hello BikeHubbers.

Recently had the need to make use of bike insurance.  Role players are Discovery,  Riders at Work and Carbon Bike Repair. Its been four weeks since bike went in. Delay seems to be the front rim - hunt - which had to be ordered from the UK.

Is this a normal amount of time for a bike insurance repair/replace procedure?

[Jase619]

Completely un-bike-related, but it took me 3 weeks to get insurance to replace my fridge that packed up due to loadshedding, and that was just getting stock locally. So ja

[firewolf]

Ya. Thanks. I suppose it's a luck of the draw thing. Also I know bike stocks are limited. Thanks for input.

[Stoffel76]

If it is a parts availability issue, then it is not out of the ordinary. If the insurer has given authorisation to the repairer and they've ordered the parts and it's just taking that long to get here, unfortunately it is what it is...  

 

Good luck!

 

[WR 1.0]

Luck of the draw unfortunately.

You'll experience the same on vehicle repairs - especially on certain models where parts needs to imported - 

Unfortunately your policy usually states that Insurers are not liable for parts delays ( which makes sense as its not something they can control) so we tend to see client's running out of car hire allocated days, more often now due to parts being on back order

[Eugene]

If it is just a front rim, can it not be replaced with a  rim that is locally available. 

Most carbon rims look the same anyway, except for the decals

[firewolf]

Hunt. So want to keep the wheel set. They did offer lightspeed. Or, if a more expensive option was selected, that I could pay the diff

Edited February 9, 2023 by firewolf
Spell check

[Pure Savage]

Interesting they just didnt pay out and end the claim. Then make it your problem to get the rim.

[JJDT]

17 minutes ago, Pure Savage said:

Interesting they just didnt pay out and end the claim. Then make it your problem to get the rim.

It seems that there is a change with insurance claims, that they do not pay you as a client anymore. Obtain quote from LBS and then insurance pays LBS minus excess. This is my most recent experience, because the last time I claimed the claim was settled within 3 days by paying me. I also noted from the OP that Riders at Work is also the middle man. Also went through them with my most recent claim.

I think it is a great idea when these middle man handles the claim and informs the insurance company of all details to avoid possible grey areas.

The only negative aspect i.m.o is that the insurance company pays them and they in turn pays the LBS. The quickest option would be that if the insurance company pays the LBS directly.

[BaGearA]

I had it very clearly say I get paid in my policy for the new bike.

 

If its my hassle its my hassle but i would want to turn over the situation as quick as possible to get back on the fiets 

[michaelbiker]

I had a claim last year from OUTsurance  and it also went through Riders At Work who handled the process with CBR. They were pretty good, just needed to be prodded every now and again for progress. I was quite happy with the service in general, it just took a long time and as mentioned communication was a bit lacking.  

[@Cycle Maniac]

It's definitely an unfortunate situation to be in, as stock availability remains a challenge currently, and a waiting period is to be expected. However, I've had a similar claim before, and Riders at Work was able to assist me promptly.

 

I appreciate the insurance company's decision to partner with a third-party provider like Riders at Work, as it helps to mitigate fraudulent claims and simplify the replacement process by working with specialists who are knowledgeable about bicycles.

[RoadNoob6]

If you are going to have an insurance claim, would you rather deal with another cyclist or someone that doesn't know how to ride a bike?

I think your answer reveals what flavour of claimee you are.  

Edit: I'm sorry to hear about the delay on your wheel, I hope you get it in time for CTCT if you are riding. Let us when you get it and if all is well once it arrives.

Edited February 16, 2023 by RoadNoob6