Leather and Helmet insurance claim, Equity Red Star?

[Jeffers7]

Has anyone had any recent experience with Equity Redstar or similar for claiming for a new helmet, leathers and boots?

Had an off last week (blind taxi driver), and helmet needs replacing and there is minimal cosmetic damage to my leathers.. Been asked to go to clothing shop (i'll go j&s in eltham) and get a written quotation for my goods.

Do you think the insurance will pay(after £50 excess) to replace my leathers even though they only have minimal cosmetic damage?

Any opinions/experience welcome. Cheers

[Roberrrrt]

Will be keeping an eye on this since mine suffered a similar fate a couple of weeks back...

[Jeffers7]

Hopefully some orgers can shed some light

[timwilky]

My helmet, jacket, trousers and boots were replaced by ERS when I was offed as they were only six days old and I was able to provide receipts. That poor bike only 2 days into my ownership. It didn't bother ERS as they simply recovered it from the blind old git who couldn't see me stopped at a red traffic light.

[Biker Biggles]

I take it your claim is against the other cars insurance?They are liable to pay to put you back in the position you were in before the crash,and that includes damage to your clothing.Normally they dont quibble about replacement of helmet and any protective clothing that has been in a crash.Just dont try to get a top of the range Arai if you only had a ten year old Novak before.

[Jeffers7]

Wow... 2 days. Thats somewhat impressive ;)

Yeah, ERS have just asked me to get a written quotation. Rung up the shop and they said they woould provide this, providing I pay them £20 (to which I will then get a credit note to spend in store). I assume the shop will say I need new ones as they will want me to go back there and spend the £750 or so.

What info did you need to provide ERS? Photographic etc, and did you get to keep the gear that was damaged?

[Jeffers7]

I take it your claim is against the other cars insurance?They are liable to pay to put you back in the position you were in before the crash,and that includes damage to your clothing.Normally they dont quibble about replacement of helmet and any protective clothing that has been in a crash.Just dont try to get a top of the range Arai if you only had a ten year old Novak before.


My insurance is with Bennetts, but my helmets and leather cover is with ERS.. Third party was at fault, but this helmet and leathers cover covers me even if its my fault so I'm not sure how that works.. Just waiting for forms to come through etc.

Bought all my gear in August, RST leathers and an AGV Stealth so looking to get roughly the same.

[Biker Biggles]

Are you claiming against the other car?Surely that is who should be paying out for a crash that was their fault.

[timwilky]

I held my claim against the 3rd party that hit me from behind. Bennets were my brokers for a policy underwritten by ERS. I simply submitted my claim form holding the 3rd part liable. Argued about valuations for the bike several times banking cheques as they arrived. The helmet/leathers was not too much of a dispute as the helmet was badly damaged as were my one piece leathers that had to be cut off. Initially they only wanted to pay 50% but relented when they realised they were all new, second time worn

[Jeffers7]

Yeah very true, but I'm going through the helmet and leathers cover(ERS) for now, paying the £50 excess then when I file for compo I'll just add the £50 receipt. Makes more sense than waiting half a century to get £700+ back from 3rd party insurers. You know what there like, they will argue for a few months liability(filtering accident even though im in the right) and all that nonesense.

If i'm honest I cant remeber what ERS said with regards to 3rd party, but i suppose more will be revealed once the paperwork comes through.

[Jeffers7]

I held my claim against the 3rd party that hit me from behind. Bennets were my brokers for a policy underwritten by ERS. I simply submitted my claim form holding the 3rd part liable. Argued about valuations for the bike several times banking cheques as they arrived. The helmet/leathers was not too much of a dispute as the helmet was badly damaged as were my one piece leathers that had to be cut off. Initially they only wanted to pay 50% but relented when they realised they were all new, second time worn


Mine are certainly not damaged as bad as this!

[Jeffers7]

just spoke to ERS again and they said I can claim £750 as long as I pay the first £50. Take photos, get a written quote for replacement, they will send out money to be spent in the shop that I the quote got the quote from. He said it is far quicker this way than going through 3rd parties insurance, and to simply ask for £50 back from the 3rd party insurance once the time comes to claim back costs etc etc.

[Biker Biggles]

Sounds like they give you a credit note to spend at the specified shop.Not actual money.Personally I would just make a normal claim against the third party who knocked me off.You are going to have to do that anyway to save your no claims and a huge loading on your next insurance renewal.Have you taken any legal advice yet?If not Id do that pronto as well.

[JackJack]

would going through your insurance effect your NCB???

[Jeffers7]

Guys, I have TPFT.. Taxi knocked me off while I was filtering so its more than likely going to take a while for the taxi driver to admit liability as it is well known that filtering accidents start off as 50/50 liabiility. As im TPFT, Bikers Legal Defence have been appointed as cliams management for me... Having heard my version of events they were happy to proceed with the repair of my bike as they are v.confident of recouping their costs from 3rd party. They said that there litigation team is good and although filtering accidents can often be classed as 50/50, their confident they can force the 3rd party into admitting liability...

Having been through claims process before (personal injury and loss of earning etc took 20months), I'd rather just claim through the independent policy that i paid a premium of around £25 for, pay the £50 that I will eventually get back and thus have replacement gear from the clothing shop that I'm more than happy to give business too. I'm a 20 year old student and unfortunately don't have the financial capacity to be able to fork out £800 for new gear, so would rather make use of the independent policy i took out.

Jack, i've been informed as its an independent policy it wont effect my NCB on my bike polciy as it is seperate from a motoring incident.


Guys please correct me if i'm wrong. Apologies for the essay!! :scratch:

[Jeffers7]

....bit like windscreen cover on car insurance i suppose

[JackJack]

Well if it don't effect your NCB then make the most of it...

[Jeffers7]

Well if it don't effect your NCB then make the most of it...

I most certainly will :)

[speedplay]

I claimed with ers for full bike kit.
Leathers were scuffed but seemed to have gotten much worse somehow by the time
they were inspected...
Look in the small print where it states about repair...

[maxinc]

... there is minimal cosmetic damage to my leathers ... I'm a 20 year old student and unfortunately don't have the financial capacity to be able to fork out £800 for new gear ...

I would keep the leathers as a gentle reminder of how quickly things could get wrong on a bike and be more careful next time.

[Jeffers7]

I would keep the leathers as a gentle reminder of how quickly things could get wrong on a bike and be more careful next time.

I have a gentle reminder every time I see my Dads mangled ankle from when a car decided to enter his path unexpectedly such as the taxi that did so to me last tuesday :)

[Jeffers7]

I claimed with ers for full bike kit.
Leathers were scuffed but seemed to have gotten much worse somehow by the time
they were inspected...
Look in the small print where it states about repair...

Small print read many times and spoke to advisor on the phone. He was of the impression that they'd replace if you feel the 'integrity' of the kit has been affected. He said motorcyclists should feel comfortable and safe !

Yeah, my leathers seem to have got slightly worse since the incident too....:smt017

[Black Rider]

Insurance is really getting on my nerves at the moment. I've never had to make a claim on my insurance but recent rises in costs for car insurance forced me to sell my sv to pay for the car insurance - ( I was expecting a bad winter that didn't come) but now I'm severely kicking myself cos the weather's getting nice n I've not got a bike now :(

There are also two friends of mine going through insurance claims, for different incidents (not their fault), in which it seems like they're being politely shafted :eek:

I think measures should be taken by the government to cap insurance costs and further tests should be available (possibly completed each year) to lower your premium considerably. The insurance companies can put the prices up to whatever they like n get away with it - it's a scam!

Sorry :confused: rant over (for now...)

Sent from my Samsung Galaxy using Tapatalk

[kiggles]

did a claim for my leathers and stuff after my accident and didnt even have any receipts. but i lost my NCB though but leathers and helmit not cheapo these days

[aarond]

Can I bring this up from the dead, I'm think about getting helmet and leather cover from bike sure. Being Sunday can't speak to them on phone, but do you need to have receipts for the helmet and leathers to claim?

[PyroUK]

I have dealt with equity red star before for helmet and leathers. They shafted me good and proper.

Didn't need a receipt for the gear, however because they couldn't find my leathers on google they said they didn't exist and only compensated me for textiles. Had to get a quote for replacement and they assessed on that. Also they will knock off around £50 on the helmet value for wear and tear.

Don't know what other companies are like though.

From my understanding if its a 3rd party claim they claim the cost from the other insurer so won't actually use your H&L insurer so they should only be used if its am at fault or uninsured claim.

[aarond]

Thanks for that