Clothing Insurance?

[Drew Carey]

Howdy All

Does anyone here use or rate clothing insurance? My broker - express say that I can have full clothing cover for £35, up to £750 with £50 excess.

Considering I have just replaced everything after trashing the old stuff during my off, do you think it is worthwhile? Funds are getting tighter that is all following excess, new gear and new stubby zorst.

Drew

[aarond]

I dont use it but thinking about it i am thinking about http://www.kitguard.com/
£39 for
£1000 Clothing cover
Legal Expenses covered up to £50,000
Medical Expenses covered up to £5,000
Cover is valid for both fault and non-fault claims
European cover included
Making a claim will not affect your Motorcycle NCB£750 doesn't seem a lot when you add up all your kit either does £1000 but getting better

[TSM]

Err, i checked and its covered under my home insurance as personal items.

[aarond]

MCN also write about them: http://www.motorcyclenews.com/MCN/News/newsresults/mcn/2007/July/jul2-jul9/jul0307protectyourkit/?&R=EPI-92436

[DoubleD]

ermmmm, can't see your pics on your hard drive, you need to upload them first on a hosting website like photobucket then put a link to them there.

+1 on what TSM said

[northwind]

Err, i checked and its covered under my home insurance as personal items.

Ah, very cool, I have to admit that would never even have occurred to me. I always just write off damaged gear but it can add up to a fair old chunk of change...

[Drew Carey]

I dont use it but thinking about it i am thinking about http://www.kitguard.com/
£39 for

£1000 Clothing cover
Legal Expenses covered up to £50,000
Medical Expenses covered up to £5,000
Cover is valid for both fault and non-fault claims
European cover included
Making a claim will not affect your Motorcycle NCB£750 doesn't seem a lot when you add up all your kit either does £1000 but getting better

Can people with some nous have a read of the terms on this site.....particularily:


5.
Any of the following would invalidate the cover of this policy or affect the
policyholder’s ability to claim;
•

The first £50 of any claim for Protective Clothing
•

Any claim for Protective Clothing arising within the first 7 days
of cover
•

Damaged Clothing that is not beyond economical repair
•

Protective Clothing 10 years old and over
•

Claims for Protective Clothing where:
•

There is no personal injury involved
•

The matter is not reported to police where so required
under Road Traffic Acts

My understanding from this is that if you have an accident, don't get hurt, you can't claim for damage!!!!! Surely that is the point of the protective clothing????

[Ed]

Mine's covered under household contents too, as items away from the home. Often it's an optional extra, so I had to pay a bit more, I think it was about a tenner a year.

[northwind]

Those terms and conditions are really, really badly written... Some clauses are total gibberish... Doesn't inspire confidence that.

[aarond]

ermmmm, can't see your pics on your hard drive, you need to upload them first


Sorry screwed up, me an computers =:smt075

Err, i checked and its covered under my home insurance as personal items. and im off to check this.

Thanks