Never happened before! Lost control taking my Supersport off the paddock stand. The bike fell onto the garage concrete floor. Complete break to mirror stem, minor abrasion to panels-nose cone and side panel- and very minor rubs to end of brake lever. Owner distress! Parts cost to replace all and to return the bike to ‘as new’ £1060. Price to replace mirror £160 approx. Options. 1 Claim on insurance to replace all parts and return to as new. Never claimed on a bike policy and not sure how it would effect non protected no claims discount for the future. 2. Replace mirror now and replace body parts later in year. 3. See if the minor damage to body panels can be repaired and self fund all. As said I have never had to repair a bike over many, many years of riding and ownership so would value advice and experiences.
is it 100% gonna cost £1260?? its very easy to go worst case scenario, especially as its our precious love, all doom and gloom, or is is possible that when you start you might find a way cut costs down? DIY 100%, i had a nose cone cracked and scratched, the repair was invisble, a good paint shop obvs insurance route it will either be a massive pain in the arse and or push premiums up.
Sorry to hear this - very easily done. +1 for DIY fix. No rush, bide your time and you may find all the parts you need on ebay.
Sorry to hear I’d probably fix the essentials and enjoy it for the rest of the season. The only person the scratches and scuffs will bother is yourself. Over winter or bit by bit pick up the parts required to make mint again keeping an eye on the forum for sale section, Fleabay and FB marketplace. Get repainted where necessary over winter when you are less likely to ride on salty pot hole filled roads.
Honestly, if it’s just cosmetic and doesn’t bother you too much, I’d probably go with option 3: fix the mirror now so the bike’s rideable, then look into touching up the panels or even leaving them as is if it’s not too bad
Sorry for your shit luck. I did my one drop on a petrol forecourt in front of loads of strangers staring at me so it *could be slightly worse. Good luck getting it spruced up. Must be plenty of spares about.
I agree with the others, buy the mirror and do the rest of the repairs yourself over time. Definitely don’t involve the insurance company.
I dropped my 3 week old V4 last week........moving it in the garage (realise your getting old) - Lifting it onto centre stand on the Turntable. Luckily I had Evotech Main Crash Bungs and the Aluminium Ducati Hand Guards. Lucky the only damage was a minor skuff to hand guard and the top of mirror and screen rubbed against a cupboard door on way down ... so minor scuff on the edge that polished out. So no real lasting damage that costs money. So my suggestion - ADD Crash Protection Bungs and be careful on the handling I Purchased an AceBikes XL Lifter for turning bike around now in the garage instead of the Centre Stand and Turntable. And me and Wife now Push the bike up onto the Hydraulic Motorcycle lift and she supports when I pull it up on the centre Stand. Sorry for your Pain and Loss.... I know how it feels.....
Really helpful comments. My plan was to replace mirror so the bike is rideable and sort rest in the winter. This thread has settled my worrying thoughts of getting everything done and using an insurance claim. Never claimed on bike insurance so had concerns about that. Your helpful comments confirmed this isn’t the way to go. Will I use the paddock stand again? Probably not,
Apart from anything else your excess will probably be at least half of the cost so really not worth going through your insurance, just deal with it in your own time
If you claim you will pay for it big time over the next 5 years. Your claim will be recorded and will affect not just your future bike insurance but also car insurance as you will be asked the standard question about "any" claims in last 5 years and they mean ANY claims. Fail to declare it and they could refuse to insure you which then leads to that other question we all get asked at renewal time. So your relatively small claim will bite back. Protected no claims does not stop insurance companies from loading your premium for a past claim, you'll still get your %age NCD but you will also get loaded on all your vehicle policies. A claims specialist solicitor told me a couple of years back that it could even have an impact on non motoring policies such as home insurance as they will have access to the relevant data base and be able to look you up.
This, insurance has become a scam... They charge as much as they can, whilst paying out as little as they can, to "add value" for their investors and thier big fat CEO pay cheques...
Agreed, my Wife had a delivery truck run into her car after she stopped to let them past on the narrow road outside our house, (and the company, 'Downtown' of Boston were absolute a-holes over it) so the best we could get was a 50:50 pay for your own damage (they had none). At the time the car was insured in my name with her as named driver (have since got her insurance in her name). Repair was around £1,500 IIRC and we claimed on insurance. Come renewal, obviously the price went up significantly but also my other car insurance and bike insurance were hiked up even though the bike insurance was me only I wasn't the one that had the accident but the 'any other claims' got me. I reckon increased policy charges over the next few years probably cost me at least double the repair cost which, also would have been less had I got it done privately.
