Claim for leathers and helmet on home contents insurance?

[TamSV]

Jeebus.

Big companies, man. Totally unsuitable for interaction with human beings.

So they're likely to take the full 8 weeks? No way would I accept that shiz.

My Home insurance paid up for £400 leathers, new helmet, boots and gloves.

Yup. I'm here as a contractor dealing with a backlog of cases. Some are recent, like March. Others are not, like November!

[Bibio]

don't mean to offend but...

this is why insurance premiums are going threw the roof. you fall of your bike and expect your HOUSE insurance to pay out for items that were damaged in the accident. there are add ons to MC policy's that cover this. if you were to tight to take the extras when you took out your MC policy then i think its a case of tough luck.

i do apologise for being rude but its a pet hate of mine.

[yorkie_chris]

Isn't the personal kit cover an add on to house insurance that you pay for?

Yes, its a costly add-on to the house insurance. I've been pretty good to be honest, paying about £100 in insurance premiums every month for years. This is my first claim, so they're still quids in from me.

I would have claimed for ones off my bike insurance, however, I didn't claim off the bike insurance as I fixed it myself. Most companies would only pay out for leathers, if there was a registered claim for the bike. I aint gonna do that in a hurry!

[Bibio]

i feel your pain m8 i really do as i have been paying insurances since i started driving etc.etc 25+ years and have claimed only once for a theft (bike 1.5 years ago). my insurance should be peanuts for the no claims i have on the car but no, it goes up every year because of the recent spate of insurance claims as people don't want to spend their hard earned cash but would much rather con the insurance company out of theirs. so in turn it effects people like me. why should i be paying for other people possessions.

If I didn't know you better, I would read that last post as you accusing me of trying to con my insurance!! If I was, you'd be damned sure id be claiming for my boots, jeans and gloves as these were also damaged, albeit still useable.

I don't see the point in shelling out my hard earned money every month for something that I'm frightened to use. If I don't use it when I can, I might as well not bother paying for it in the first place!

If you want premiums to go down, look at the uninsured drivers out there, the personal injury accident scams, and the waste that goes on for solicitors and hire cars snd bikes, temporary accomodation, etc etc. I dont think claiming £450 worth of kit for something that I've paid for to be covered is that much to ask!!

If you want to be really cynical, Churchill and Direct Line (both owned by RBS) made a healthy profit of £67 million in the first three months of this year alone. Given that 83% of RBS is now owned by us, the humble taxpayer, I can deduce that I'm just paying extra tax every month, and we all know that taxes gets us sweet **** all in the end, so a new jacket is a Brucie bonus!!