Can I cancel an insurance claim?

Earlier this year I came off my motorbike at a low speed causing some minor damage to my bike. Nobody else was involved. I called the insurer who determined over the phone to class the bike as a write-off without seeing the damage. They then arranged for my bike to be recovered to my home until such a time it could be collected and taken to a salvage company. I had a friend who has restored many motorbikes take a look and he confirmed that the damage was fairly superficial and the bike could be easily repaired for a few hundred pounds.

At that point I called the insurance and asked them to cancel the claim, which they did. However, they are still saying I need to report it as a claim as they had to pay for recovery. When I offered to pay the recovery costs so that I did not need to declare a claim, they informed me that I cannot do that. Are they right, or can I pay the recovery costs to the insurer and have them remove the claim from my record?

Asked on 22 July 2019 by Mark Cadman

Answered by Tim Kelly
You can indeed "buy" the claim from the insurer, pay the recovery cost and have the claim removed. Raise a complaint with them, then take it to the Financial Ombudsman Service. You may have a battle on your hands though, as insurers can be a pain in this situation.
Similar questions
I was hit by a third party back in September and provided dash cam evidence to all insurance companies concerned. However, the claim hasn't been settled as liability hasn't been settled despite my insurance...
I informed my insurer of a claim for damage which I was 100 per cent responsible for as no one else was involved. The garage I bought the car from has kindly agreed to repair the damage at a reduced cost....
We were sideswiped on a dual carriage way. The other driver was prosecuted and found guilty of driving without due care and attention, as well as leaving the scene of the accident. Our insurance company,...

Ask Honest John Right column

Value my car