I have a screw in my rear tyre. Being an expensive Michelin road 6 less than half way through its life I'd rather have it repaired than by a new one. A lot of workshops are saying they don't do that it'd too dodgy. I've done it in the past without issue and even some of the tyre manufacturers say it's safe as long as the puncture is in the right place (and it is in the centre of the tyre albeit into the tread). Any thoughts?
Would you ride on a plugged (repaired) tyre?
rico
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Nailed it. And in order for the insurers to deny a claim or coverage, the fact that the tire had been repaired would have to be the proximate cause of the loss.
Using the logic that ANY modification to the motorcycle could be used to deny coverage, you'd better not have changed any suspension components, bars, brakes, etc, etc. "How long ago did you replace the brake fluid? Was that done by a BMW certified technician? You have the documentation, of course..."
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From my experience of insurers here in the UK it is not a matter of who is correct, if they want to reject it on some technicality they will do it and unless you're very wealthy there will be no chance of taking them to court over it.
I had my Ducati Monster 796 (which I loved) stolen, and they rejected the claim because my landlady also had a key to the garage. I'm sure they WERE correct, technically if not morally, on that one, according to page 102838505 line 3454 subprint kskd2, but the process and inusurer rep made it clear they would just do what they want.
I had my Ducati Monster 796 (which I loved) stolen, and they rejected the claim because my landlady also had a key to the garage. I'm sure they WERE correct, technically if not morally, on that one, according to page 102838505 line 3454 subprint kskd2, but the process and inusurer rep made it clear they would just do what they want.
Well yes, that is what we are talking about.
To what extent police accident investigators and insurance assessors take an interest in a road accident may depend on the seriousness of the incident.
But if you have say, for example, lost control of your bike, and a third party is injured as a result, then you are probably looking at a full accident investigation. In the UK when people are injured on the road the police want to know why. Insurance companies can access those reports and they can carry out their own assessment of your vehicle if they wish.
I suspect police and insurance assessors are more than smart enough to figure out the cause of accidents, say down to it being a failed puncture repair, what type of puncture repair has failed and why it has failed. I don’t buy the idea that they won’t be able to tell a fresh temporary repair from an old one pressed into daily use etc. Then there's the fact that you should have been riding slowly in limp home mode - you know in case your temporary repair turns out to be just that, temporary.
No that’s nonsense. Firstly, you should declare any modifications to your insurance company, it is reasonable that they know what they are insuring. However, my understanding is that, generally unnotified modifications would had to have contributed to the incident for say third party cover to be withdrawn.
But if you have decided to ignore legal guidance, manufactures recommendations and in the UK BS AU 159 and run long term with a repair sold to you as a get you home fix, then yes if it subsequently fails and you have an accident, then you may find yourself on your own.
I’ve not heard of BS AU 159 repairs failing. But if it does and you have an accident as a result you are covered.
All the "riscs" I read on this topic seems always to be introduced by tyre manufacturers or insurrances, but never from a repaired tyre...
Screws and nails are almost always in rear tyres. The front throws it up, the rear presses down on a tumbling screw.
Well, if they are going to catch you on technicalities anyways, you might as well save money on them...
Yep. It is a risk. The individual makes that decision. If I was speeding I would be held responsible. Insurance will pay out to the third party, they may claim it back from you. I wonder if the ones talking about repairs ever speed, or drive with under inflated tyres or with other faults? Obviously the risk has been assessed and taken.
I do what I believe is correct, not what some politician has told me to do.
The oil goes on the outside, makes the tread last longer.
Australia has an insurance ombudsman. If you are struggling to get satisfaction from your insurer, tell them you plan to take your case to the ombudsman, they don’t like that, as ombudsman statistics get reported publicly. Same with banks.
And all this time, I thought that was what Armor All Protectant was for.
Any houses for sale in your ‘hood?
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It must be nice to live in a civilized country.
A little over-regulated, but yeah, pretty easy to live here.
Just don’t pick on the locals …
I am not sure what any politician has ever said something about what to do do with a flat tyre...?
I am not sure what risk you are referring to. But the risc of a repaired tyre deflating is not bigger than an unrepaired tyre getting punctured.
Of course when you had an M10 bolt stuck in your tyre, that's a different story, but a small nail or screw straight in the profile of a tyre is no problem. Not even for a sticky rope.
But anyone preferring a new tyre has the right to buy one
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Wow.
What level of detail are they expecting? Different mirrors? Different bars? New saddle? Fork springs? Fork oil? Upgraded/replaced brake pads? Bigger/smaller countershaft sprocket?
Tracking the changes to some of my bikes would have been a full-time job for someone at the insurance company.
It can vary from insurer to insurer, but many motorcycle insurers in the Uk now have an easy to follow policy on modifications such as Bennets;
Bennetts Guide to Modifications
Also if your annual MOT (safety check) is out of date your insurance may be invalid, likewise if your bike is not kept in a road worthy condition.
Anyway if I have a puncture I’m happy to ride home on a temporary repair, thereafter it is BS AU 159 approved mushroom repair or a new tyre.
Surely it is perfectly reasonable for insurers to know exactly what they are insuring, and insist that the vehicle is kept in a roadworthy condition.
Yeah, in the US we don't have MOT... To get the bike on the road it has to be inspected once by the DMV (Department of Motor Vehicles), but that usually means checked for lights, signals, and cracks in the frame. After that as long as you maintain the registration it's never looked at.
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