Following my recent off, I've just tried claiming on my Direct Line home contents insurance, stating that I had fallen off my bike and damaged the items.
They accepted the jackets claim, on the basis that I could "wear it anywhere, not just on the bike", but denied my helmet claim, as it says in the policy docs exlusions list:
"motorised vehicles, caravans, trailers, watercraft, hovercraft, or aircraft (other than hand propelled or models) and their accessories (while attached)"
They class it as a vehicle accessory. I tried to say I could equally wear my helmet whilst off the bike, and that its not a vehicle accessory, on the basis that it does not attach to the bike by any means, and its an item of safety clothing.
They still refused. They will refer my complaint to the "customer relations team" but they may take some weeks to get back to me.
Has anyone succesfully claimed from Direct Line for this?
Any advice?