Lid/gear compensation question???

You could put it to them this way: As you have only paid me for 75% of the value of my equipment I have only been able to replace 75% of it. Could you please advise me on which you think is the best way for me to spend your money:

1. Ride with full leathers & gloves, but no crash helmet or boots.
2. Ride with both helmet and boots, but see if I can find some leathers - perhaps with an arm and a leg cut off.
3. Ride with 100% of my body protected, but with substandard equipment that will leave me less protected against the next driver who doesn't look where they are going.

I had the same thing a few years ago and it is common for them to take "deprecation" into account. The only way I found of combatting this is to trawl the internet looking for your lid, jacket etc etc at the most expensive price you can find. Send these examples to the insurance company and hopefully they will use this as the starting point when concidering depreciation.
Once you have the cash you then go real shopping to find it as cheap as possible.

Please note I do not condone this action as it could be interpreted as fraud!

[Stu]

I think Swiss has the answer, but I would add a helmet has a finite life of 5 years (some maybe just 2/3 years) you accept your lid is not new so it is only reasonable to expect you to chip in as you will benefit from the extra life.

Would you prefer that they sourced secondhand gear for you?

Yes, they always do that.

However they will also accept a note from a dealer showing similar gear if you no longer have receipts.

So if you were to go to a dealer and they weren't the cheapest one around and you found yourself with prices 25-50% higher than the value of what had been damaged you'd just have to hand that in to them instead.

Remember that for the next time.

[Biker Biggles]

When BB junior made a similar claim they paid full replacement with new equivalent gear.I think we used J&S prices as a guide,so not taking the ****,and they coughed up.You wouldn't buy a second hand lid,so why should you be out of pocket?

Originally Posted by Swiss

I had the same thing a few years ago and it is common for them to take "deprecation" into account. The only way I found of combatting this is to trawl the internet looking for your lid, jacket etc etc at the most expensive price you can find. Send these examples to the insurance company and hopefully they will use this as the starting point when concidering depreciation.
Once you have the cash you then go real shopping to find it as cheap as possible.

Please note I do not condone this action as it could be interpreted as fraud!

That's the way to do it! In my eyes (and I suspect more than a few others too), what the insurance companies do could also be interpreted as fraud.

ASM, is this an offer the 3rd party's insurer is making? If so, don't accept it. I don't think it unreasonable that any bitem under 12 months old should be paid out at full value.

[Sid Squid]

Originally Posted by Ceri JC

The principle of the law is to put you back in the position you were in, before the accident happened.

Not exactly. The law allows that you are able to recover your losses from the person that caused the loss. If they are insured against that loss then the recovery is from the insurer as per the contract that the other party, (if they are at fault), has with their insurer. If they are only insured RTA, (Road Traffic Act - the minimum that the law actually requires), for instance, then the only thing that the insurance is liable for is injuries to third parties, and if material losses have ocurred then recompense would have to be sought from the at fault party directly.
As an example: What ASM lost is a second hand lid, thus what is being offered is the value of such an item - at the time of loss, (whether you agree with their valuation is a further issue). The insurance company have no contract with ASM, and as their insured is at fault are paying ASM's losses, they have no liabilty for replacement of anything.