Psamathe wrote:Just a thought (and I have no idea of the legality of it all and it must all depend on the dog owners insurance cover, if any), but if the dog owner has no insurance cover and you feel they are already financially stretched then maybe work out your increased premium through loss of NCD, claim on your own policy and ask them to pay your premium increase due to loss of NCD (remembering it might affect your premiums in subsequent years as you re-build-up an NCD). However, some policies have NCD protection built-in so a single claim might not affect your premiums. I'm unsure about this route as it's a bit like you deciding who will pay for damages when it is really up to the insurance company to make such decisions.
With regard to the bike, it is unfortunate but availability is a separate issue from who pays for the bike. I guess you could be in the same situation has somebody stolen the bike, or many other potential 100% write-off possibilities. Difficult situation but try to avoid confusing the two issues (who pays and availability) as payment is designed to cover losses. Can you hire such a bike (or something similar) and will whichever insurance company cover hire costs until the comparable model is available ?
Ian
Thanks Ian. The owner lives in a cottage in the South Downs, probably at lease £400,000-£500,000 house so although no indication of disposable wealth but they've clearly had some My policy does not have a protected NCB however my insurance company has said if I claim, they may pursue to recover costs and then my NCB would remain in place. But it's a big if...
I could hire a bike but again I'm at the mercy of the insurance company but again a pain. Would they pay me the cash and let me buy something when it comes available? Who knows?
However I'm expecting a quote back sometime this week and I now have a terrible dilemma - if I make a successful claim do I go for a 2015 Giant Defy Advanced Pro 0 or a Cannondale 2015 Synapse Carbon Ultegra Di2?