Helmet and Leather insurance

[xXBADGERXx]

Just throwing this out to you guys/girls . I had my little "Off" on Monday and managed to put a couple of Grind marks on the knuckle protectors of my new £130 Rukka gloves (not even had them a month :mad:) and was just wondering about getting insurance for my kit . I have a £500 Arai lid , £400 Rukka jacket and if I had seriously damaged those I would be right up the proverbial creek without the paddle .

Just had a quick trawl online and found most insurers saying they will pay out up to £850-£1000 on kit . Now I am wondering if this is per Item , and they say that there is £100 excess (not worth claiming for gloves and boots) . Now knowing how insurance companies go , they are probably gonna try to stiff you on the claim if you go for a Helmet and Kit replacement . I was wondering if this insurance is worth getting for the £40 a year (guesstimation) or is it just plain out and out aggro trying to resolve any kit replacement with them ................. sits back and awaits the thoughts of the Org .

[missyburd]

YC is thinking about this too, this might help http://forums.sv650.org/showthread.php?t=123383

[xXBADGERXx]

Aaah thats handy to know as I am fully comp anyway , but would rather insure the kit seperately so that I don`t affect any bike insurance in a small and silly "Off" like mine was . May also have to take a good look into the House contents Insurance , as that seems like a good route to go down and cover more stuff , I only have bricks and Mortar insurance right now . Lots of food for thought there .

[dizzyblonde]

Carol Nash covered my kit seperately this year. Think it were £50 for the year. It covers all my gear in an off. They do prefer phot evidence, plus they take into consideration the age of the kit to not pay out as much. If you have the reciepts for your gear then that is extremely handy too.
Think the excess was 50 quid as well, and you can claim as many times as needed (well I presume a realistic amount of times) without affecting anything
Fortunately my 200 quid Halvarssons jacket wasn't damaged when I fell off, my lid was, but it was due to be replaced anyway. I got all the forms to fill in pretty quick, but then decided it wasn't worth it in the end.

[xXBADGERXx]

That`s what I am particularly after is the fact I can replace everything with no faffing about . Pay the excess , get new kit in Days , back on bike .

[metalmonkey]

I'm the same as Lozzo, my bike insured through Carol Nash, then I got the kit cover as well, will pay out up to £1000 if its my fault for a crash.

Otherwise a third error, I gte the money from them! I think mine was £40. But I deiced it would be a good idea, as my gear is worth nearly grand anyway the cost of replacing all that would be good. I figure its worth it.

[xXBADGERXx]

Definately worth it yes , it`s a case of boiling it down to the best route of doing it and who offers such a good package that you would be a fool to miss it :D

[dizzyblonde]

Thats why I decided not to claim eventually, as my helmet wasn't too expensive. If I was to fall again though, I would claim, as I have reciepts for everything this time, and the rest of my kits worth a lot

[xXBADGERXx]

Well yeah , your Halvarssons Jacket has got to be worth the best part of £300 minimum

[missyburd]

Well yeah , your Halvarssons Jacket has got to be worth the best part of £300 minimum
Hah, no Lou got hers at the same time as YC, bit of a sale going on as a friend was shutting up shop. Right place right time, lucky pair.

[dizzyblonde]

Its still worht retail value of £220. I got the most expensive one in the range. Think I paid £149

[xXBADGERXx]

Bargain , I was gonna try Halvarssons in Colwyn Bay motorcycles but they didn`t have a good manly size in stock , so tried Rukka instead , pure Heaven :D , but a nightmare to replace insurance wise if I do anything bad in them .

[dizzyblonde]

why a nightmare to replace?

[xXBADGERXx]

Cost wise from my own pocket I meant , Insurance wise I would just walk into CB motorcycles and get them to order me another jacket and they would sort it out with the Insurance .

[FG1]

In my recent off I claimed on my household insurance for my gear.

I had no receipts as things had been bought at really good prices through e bay etc.

I claimed for helmet, boots and jacket.

I got a cheque for £622.?? after 10% depreciation and £100 xs.

All I sent in was photos of the damaged kit and printouts from on line retailers to show replacement costs.

[xXBADGERXx]

So home insurance is looking like the way to go for this sort of stuff then as they don`t seem to quibble on amounts then .

[yorkie_chris]

Whaz the crack with it though, would you lose NCB etc?

Can you get stand alone gear cover that isn't connected to your bike insurance?

[xXBADGERXx]

Well this is the one thing I would like to find out , maybe produce a decent FAQ about it afterwards as well :D

[missyburd]

Why don't you ring up your insurance company and ask them?

[xXBADGERXx]

Because they are lazier than a St.Bernard Dog in front of a log fire after an hours walk , they just about operate within work hours as it is nevermind at weekends :D

[missyburd]

Because they are lazier than a St.Bernard Dog in front of a log fire after an hours walk , they just about operate within work hours as it is nevermind at weekends :D

lol ok I'll let you off....this time :-P

[dizzyblonde]

Can you get stand alone gear cover that isn't connected to your bike insurance?

YES!!!! we have chatted about this often over tea n biscuits YC:rolleyes: I seem to remember someone saying why bother waste of brass?

[yorkie_chris]

If you lose your NCD aye it would be.

[missyburd]

If you lose your NCD aye it would be.
NCD, hmm no claims doughnuts?

[yorkie_chris]

Yeah, if I had to buy my own every renewal time it would cost a fortune, and be a right PITA 'cos I'd have to go up to asdas...

[dizzyblonde]

If you lose your NCD aye it would be.


No you don't. Have you not read my first post. I shall clarify. You take out a seperate insurance policy through your insurer. Mine was £50 for the year. If I need to make a claim for my gear the excess is £50. I can make any amount of claims in that period(within reason of course) paying an excess of £50. It does not in any way affect my bike insurance no claims....as it is a SEPERATE insurance policy