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How have you arrived at that figure?
Your insurance will pay out if needed – so just your excess now and a few years of slightly raised policy costs.
Your bike – is that how much damage there is?
Not even the excess - no excess on a 3rd party claim.
I really am starting to find modern life unbearable in the last couple of years. I’m probably down 3-4000 quid to events completely out of my control, which I feel others should have paid for. It’s also cost me days of time.
Events outside your control that cost you money are exactly what you pay for insurance for. Don’t make life harder for yourself by pissing off your insurers.\
Every time you make a claim or let an insurer know you have been involved in an "accident" then you are penalised for it the following year - it often means when the damage is 300-400 quid that it's worth just paying up regardless of if you are at all liable or did anything wrong whatsoever. That's at least about 2-3 days work for me after tax which is quite a lot of money, but like I said... you just have to shrug your shoulders.
There's also probably a couple of hundred quids worth of damage to my bike to pay for. So this incident will probably have cost me at least £500 at a minimum, not taking into account that a dented tank and whatever else means the bike will be worth less.
Would this scenario not fall under something similar to a multi car accident. Your bike was hit by another vehicle, which then hit your neighbours car?
Multiple Cars Accidents | Who Is Responsible In Multi Car Accidents? (sds-solicitors.com)
No neighbours in the vicinity with cctv of any kind ?.
I did years in one of the biggest insurance broker claims dept when i was younger.
...
If the OP is so inclined he can refuse to give his insurance details but if i was the car owner my next call would be to the police to report someone damaging their car with their motorbike and refusing to share insurance details.
The OP is not obliged to share his insurance details unless there's been an injury.
I've been involved in several collisions in the 30-odd years I've been driving. Not once have I either asked for or been asked for insurance details. I talk to my insurer, they talk to their insurer, the insurers work it out and talk to each other.
Contrary to advice further up this thread you are required to provide your details to anyone who has reasonable cause to request them after a collision involving your vehicle, not just if there is an injury.
Correct. "Your details" being your name and contact information.
Events outside your control that cost you money are exactly what you pay for insurance for.
Conversely, events outside of their control that cost them money are exactly what the OP's neighbour pays for insurance for.
Again: If it had been something other than a bike that had been knocked into the neighbour's car, would everyone be talking about the NCD on the OP's wheelie bin insurance? With reference to the "multi-vehicle" link a couple of posts back: there is no driver, it's a static object. The notion that he'd be culpable when he was in bed at the time is ludicrous, unless he'd parked it dangerously or some such.