It's been many years since I hopped on the bike without full protection.
I remember when ACC replaced motorcycle gear after accidents: they payed full replacement cost on an old Nolan helmet, so I put the money towards a new Shoei helmet. No abusement of the system from me though - I told them the age of the thing & the cheque just showed up for $350! They even repaired the damage to the borrowed Dainese 2-piece leathers I had on during the accident (the ambulance officers weren't given any chance to cut them off!)
"Women & cats will do as they please, and men and dogs should relax and get used to the idea." Robert A. Heinlein
"Do not meddle in the affairs of cats, for they are subtle and will piss on your computer." Bruce Graham
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