Disaster!
 

I had an unfortunate accident today, I was welding outsid of the outhouse and somehow the floor has caught fire behind me inside of the outhouse, which then caught onto my fuel tank and has burnt down the building and everything it contained including, my beloved Cbr which was sat inside the garage and was burnt so bad it is now unrecognisable. (I won't go into much more detail).

I just need some help claiming my bike back, i am insured third party fire and theft but need some help to make sure my claim goes smoothly, I don't want them to give me some stupid excuse like they won't pay out because I was welding near my bike so on so forth or for them to say I'm not covered.

I am going to tell the truth but does anybody have an advice or things I needs to know in a situation like this?

Sorry to hear a out your car. I hope every thing goes good for you so you can get another one. Good luck

Sorry to hear about your accident, but you are asking us if you should defraud your insurance? I doubt your insurance will deny your claim, but lying about it is illegal and you can end up worse than you are now if you are caught.

I have to agree with CorruptFile. Foregoing all the valid things he mentioned, don't you want to be able to lay your head on the pillow at night and know you did the right thing?

I didn't mean neccesarily defraud because I would not do that, but I just didn't know if there's a certain way to go about it because as you know insurance companies will do anything to not pay out even if it was just an accident.

I'm just going to tell the truth either way

There is a way to go about it.

a) Don't lie.

That said - don't say too much either. Going on and on about admitting fault is a surefire way to get denied. They're in the business of denying your claim - so you don't want to say too much and give them ammunition to deny you being made whole. Tell them what happened, you're covered for fire. Your bike caught fire, and you deserve to be made whole.

+1