Q How can I keep insurance costs down after a theft?
My Yamaha XSR700 was stolen a few weeks ago and has since been recovered. I’m now waiting on the verdict from the insurance company. Apart from this my other main concern is the insurance premiums and how to keep this cost down as much as possible. I have since bought a ground anchor and chain and am giving serious consideration to an aftermarket alarm and immobiliser. Dave Macdonald, Edinburgh
AAnswered by Christian Evitt, Carole Nash Theft will obviously affect the premium, more so if your no claims bonus is stepped back. Security and possibly a voluntary excess may offset some of the increase. This bike is probably worth too much to drop cover to Third Party Fire and Theft or even Third Party Only, but you might be lucky enough to already have a low premium for Comprehensive cover, so a percentage increase won’t make you wince.
If you have had to make a theft claim, and you then get targeted again within three years that will make it difficult to get theft cover for the following year or two. So it’s well worth investing in additional security such as a decent chain and a cover. If you are a commuter, lobby your workplace to provide something secure to lock your bike to.
Which tyres Q will best suit my lovely old Blade?
I am struggling to find some sound advice on a good modern tyre for my Blade with its 16in front wheel. Andy Gillingwater, email
Answered by Bryn Phillips, A Cambrian Tyres Bridgestone have the widest selection of sports tyres for the early Blade. The Battlax S21 is fully approved. It’s a very good road tyre that has decent wet weather performance. Its predecessor, the S20 still in the range at a mid-price level and even the older BT-016 Pro is still available at an entry-level price.
Bridgestone have approved mixed tyres on this bike, so if you’re looking for a little more tread life you can fit the S21 on the front with their sporttouring Battlax T30 Evo on the rear.
Dunlop have the GPR-300, but you can’t compare it to the Bridgestone S21 or S21/ T30 Evo pairing as it’s a single compound entry-level tyre.
Q My Triumph doesn’t want to go exploring…
I had the fuel tank off my 2013 Explorer 1200 to change the plugs and switched the ignition back on while the petrol tank and some sensors were still disconnected, and now it won’t start. Sam Clover, Sutton
Answered by Clive Wood, A Clive Wood Triumph If your dealer ran some diagnostics and couldn’t clear those fault codes he might have assumed the throttle body actuator motor was stuck or damaged. Like all the latest-generation Triumphs the Explorer 1200 runs a fly-by-wire system and if it senses a fault it has a fail-safe facility that will prevent the engine from starting, so there’s no chance of the throttles sticking open. Because all the rider-aid sensors and engine/abs/ instrument ECUS are interconnected, there is a specific procedure to go through. You need to check fault codes, reconnect everything, clear them, run tests and then reset the throttle position sensor voltage. When I had a non-starting Explorer in it took me 2.5 hours, plus some revision with the workshop manual on the correct procedures. Turning the ignition on while sensors and components are disconnected will always create fault codes and get engine management lights shining.
I suffered a badly broken wrist after an accident a year ago. I am in the armed forces and because of the injury I have not been declared medically fit to return. I’m still having treatment and it is likely I’ll need further surgery on my wrist. My solicitors have told me that I can claim for the pay I have lost to date which is fine. The problem is that if I was still working I would have likely gone up the ranks and had promotions but now I am worried I will not. Can I claim for this?
Alex F, Salford
As long as financial loss flows as a direct result from the accident, and can be proved, it can be claimed as the idea is to put you into the position you would be in had the accident not happened. Future loss of earnings claims are always speculative because we simply do not know what path anyone would have taken had an accident not happened. What you will need, therefore, is factual evidence, such as witness statements from you and from colleagues and a senior officer, to explain what path you would likely have taken.
If you go back to work, for example, two years after the accident you will be two years behind, and it may be that you will always be behind. As such your earnings will be two years behind as well and this is a loss that is arguably caused by the accident. Insurance companies dislike such claims but the fact is that if their insured’s negligence caused you to be behind in your career you should claim for it.
‘If I was still working I would have likely gone up the ranks’