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Describing the result of a carbon fibre bike being in a crash

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  • 05-09-2018 3:45pm
    #1
    tunney
    Registered Users Posts: 12,583 ✭✭✭✭


    We all know that if carbon fibre bikes get a serious knock then they are deemed to be structurally compromised even if nothing visible. For the purposes of an insurance claim how would you word this?


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    #2
    ford2600
    Closed Accounts Posts: 4,457 ✭✭✭ford2600


    The impact was significant and as a consequence I have no confidence in the structural integrity of frame. The only avenues available are NDT of frame/fork AND a guarantee from tester(s) or an identical replacement frame/fork.

    Your loss is the doubt, they have to buy that off you one way or another


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    #3
    tunney
    Registered Users Posts: 12,583 ✭✭✭✭tunney


    ford2600 wrote: »
    The impact was significant and as a consequence I have no confidence in the structural integrity of frame. The only avenues available are NDT of frame/fork AND a guarantee from tester(s) or an identical replacement frame/fork.

    Your loss is the doubt, they have to buy that off you one way or another

    Thanks.

    I don't follow the last sentence....

    Also what is an NDT please?


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    #4
    Lumen
    Registered Users Posts: 31,083 ✭✭✭✭Lumen


    tunney wrote: »
    Also what is an NDT please?

    Non-destructive testing, e.g. ultrasound.

    I'd be happy riding a crashed frame from a safety perspective, the issue is performance. If there is delamination in the inside of the tubes the stiffness will be compromised, so the expensive superbike is essentially reduced to a Planet X.


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    #5
    magicbastarder
    Moderators, Category Moderators, Arts Moderators, Sports Moderators Posts: 49,591 CMod ✭✭✭✭magicbastarder


    maybe describe it as similar to a bike helmet - once crashed, it's probably compromised even if damage is not visible.


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    #6
    Beasty
    Administrators, Social & Fun Moderators, Sports Moderators Posts: 76,416 Admin ✭✭✭✭✭Beasty


    Maybe you could say to them they are welcome to get it tested themselves. That may encourage a payout without further question, or indeed it could give you assurance (or otherwise) if they do try to get it tested.


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    #7
    rollingscone
    Registered Users Posts: 3,477 ✭✭✭rollingscone


    ford2600 wrote: »
    The impact was significant and as a consequence I have no confidence in the structural integrity of frame. The only avenues available are NDT of frame/fork AND a guarantee from tester(s) or an identical replacement frame/fork.

    Your loss is the doubt, they have to buy that off you one way or another

    Speaking as a very recently Ex Insurance Professional.

    This.


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    #8
    Mercian Pro
    Registered Users Posts: 2,296 ✭✭✭Mercian Pro


    It was the guy in Axa, the driver's insurance company, who said to me "we don't expect that you will be able to get a bike shop to certify that it is safe to use, so most likely, we will be offering you the full replacement cost". On top of that their assessor wasn't bothered travelling from Wexford to view the bike so they asked me if I would mind disposing of it myself!

    I think I read somewhere that ultrasound or MRI can be carried out in the UK but at a cost of about £600-800. Others say that a meticulous tap-test is every bit as good at identifying any internal cracking.


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    #9
    gctest50
    Registered Users Posts: 9,605 ✭✭✭gctest50


    Mercian Pro wrote: »

    It was the guy in Axa, the driver's insurance company, who said to me "we don't expect that you will be able to get a bike shop to certify that it is safe to use, so most likely, we will be offering you the full replacement cost"......

    Where's the problem though ? Just cut up the frame when you get the cheque for the full replacement cost


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