Q How can I keep in­sur­ance costs down af­ter a theft?

Motorcycle News (UK) - - Garage -

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’

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