I'm down, ahhhh, I dropped me bike...

[skippa1]

On a ride yesterday, dropped the speedy at about 85kmh on a corner. Bit of new seal and the front wheel let go. Bike slid about 40m and lodged under the armco barrier. I face planted the road, slid about 30m, did a couple of flips and ended up back on my feet facing the way I had been coming. No breaks, no rash but holy crap am I bruised and have lumps in places there shouldnt be any. Good leathers, hard knukle gloves and a Shoei helmet saved the day by sacraficing themselves.

Not sure if they will fix or write off, it has a big scrape on the tank, scratching on the frame and swingarm, smashed front guard, rear plastics, handlebars, levers, new carbon cans, alternator cover(lost all her Mobil 1 @ $20/litre:facepalm:)left footpeg, shift lever and linkage mirrors, grips etc etc.

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?
Do they fully replace(Household with State)?
Do they want the old crap?
How mauch damage(does the above sound like a lot?) before shes a write off?

Not too interested in the "safety" speeches, condemnation for accident detail or other criticisim, just good solid advice on the questions above.

[SilentDtH]

Glad to hear you are ok, and that all the good gear saved you!

Sorry I don't know the answers to your questions, but recommend just calling your insurance company to find out.

[PrincessBandit]

Good to hear you are still in one piece and that your gear did it's job. The safety net of gear and insurance can't be underestimated!
Hope your lumps and bumps disappear soon, but might be a good idea to get checked out by a doc anyway in case there are any problems which aren't immediately noticeable.

As for write off, I think the damage has to be more than 70% of the bikes worth???? When I had my crash my bike looked dreadful - exhaust trashed, right handle bar bent almost 90 degrees up ..., but was still all fixed. You'd never tell it had been swiped down the motorway.

[skippa1]

Good to hear you are still in one piece and that your gear did it's job. The safety net of gear and insurance can't be underestimated!
Hope your lumps and bumps disappear soon, but might be a good idea to get checked out by a doc anyway in case there are any problems which aren't immediately noticeable.

Yeah A&E had a look and xrayed the bits of concern, no majors, just feel like Ive been hit by a bus. Cant say enough about decent gear. I am VERY glad I spent the coin.

[DMNTD]

On a ride yesterday, dropped the speedy at about 85kmh on a corner. Bit of new seal and the front wheel let go. Bike slid about 40m and lodged under the armco barrier. I face planted the road, slid about 30m, did a couple of flips and ended up back on my feet facing the way I had been coming. No breaks, no rash but holy crap am I bruised and have lumps in places there shouldnt be any. Good leathers, hard knukle gloves and a Shoei helmet saved the day by sacraficing themselves.

Not sure if they will fix or write off, it has a big scrape on the tank, scratching on the frame and swingarm, smashed front guard, rear plastics, handlebars, levers, new carbon cans, alternator cover(lost all her Mobil 1 @ $20/litre:facepalm:)left footpeg, shift lever and linkage mirrors, grips etc etc.

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?
Do they fully replace(Household with State)?
Do they want the old crap?
How much damage(does the above sound like a lot?) before shes a write off?

Not too interested in the "safety" speeches, condemnation for accident detail or other criticism, just good solid advice on the questions above.

Essentially your bike will be a financial write off, accept it and go with the flow.
Depends on your policy re your gear being covered by Protecta...if not your household will cover it plus phone/iPod or whatever may have been lost during your excessive lean angle testing.

Highly recommend that you download the insurance forms from their website and get the ball rollin

[240]

Shit sorry to hear of your off mate.I think your leathers etc may be covered under your household policy and yes they should fully replace.
Glad your o.k and I bet you are sore as today, a good excuse to get a case of beer and have a couple of days in front of the telly!;)

[Oscar]

Mobil 1 in a motorbike?

[superman]

Urg I keep hearing stories that make me think I should really upgrade my insurance to full :blink:

Glad to hear you're ok. Front sliding out is my worst fear.

[MSTRS]

Bike sounds like a write-off. For insurance purposes, cosmetic damage must still be repaired/replaced and the $ quickly add up.
If they do, in cases like this your best bet is to 'buy' the wreck back off them. They deduct a negotiated value of the wreck from the payout and you retain the bike. You fix what needs to be fixed (bars, levers, pegs etc) and put up with the scratched stuff.

[YellowDog]

Some who read this should start to consider what state you would have been in if you wern't all geared up - Well done to you.

Glad you only feel like you've been hit by a bus and were not.

Get your insurance policy out and start reading asap. The damage you describe says 'Not a write-off' to me however there may be more damage after the assessment. The fact that it slid and did not roll and tumble many times is a really good sign.

The only thing I would worry about is losing the cost of your expensive exhausts due to them not being covered. Hopefully your gear will be covered. The insurance co may also make a fuss over the exhaust system, in that they may claim them to be a significant uninformed perfromance enhancing modification to the bike.

All the best to you and your bike :yes:

[MSTRS]

Some who read this should start to consider what state you would have been in if you wern't all geared up - Well done to you.

Glad you only feel like you've been hit by a bus and were not.

Get your insurance policy out and start reading asap. The damage you describe says 'Not a write-off' to me however there may be more damage after the assessment. The fact that it slid and did not roll and tumble many times is a really good sign.

The only thing I would worry about is losing the cost of your expensive exhausts due to them not being covered. Hopefully your gear will be covered. The insurance co may also make a fuss over the exhaust system, in that they may claim them to be a significant uninformed perfromance enhancing modification to the bike.

All the best to you and your bike :yes:

+1

Write-off simply means cost of repair/replacement is greater than the pre-accident value of the whatever. It has nothing to do with it's overall roadworthiness or ability to be ridden in damaged form...

This is a very good point.

Good luck.

[DMNTD]

Get your insurance policy out and start reading asap. The damage you describe says 'Not a write-off' to me ....

I can assure you that it will be :yes:

[dogsnbikes]

On a ride yesterday, dropped the speedy at about 85kmh on a corner. Bit of new seal and the front wheel let go. Bike slid about 40m and lodged under the armco barrier. I face planted the road, slid about 30m, did a couple of flips and ended up back on my feet facing the way I had been coming. No breaks, no rash but holy crap am I bruised and have lumps in places there shouldnt be any. Good leathers, hard knukle gloves and a Shoei helmet saved the day by sacraficing themselves.

Not sure if they will fix or write off, it has a big scrape on the tank, scratching on the frame and swingarm, smashed front guard, rear plastics, handlebars, levers, new carbon cans, alternator cover(lost all her Mobil 1 @ $20/litre:facepalm:)left footpeg, shift lever and linkage mirrors, grips etc etc.

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?
Do they fully replace(Household with State)?
Do they want the old crap?
How mauch damage(does the above sound like a lot?) before shes a write off?

Not too interested in the "safety" speeches, condemnation for accident detail or other criticisim, just good solid advice on the questions above.

Bugger about bike....but I did hear Owl is looking for a new battery for his S3:shutup:

As for the gear if you have contents it will be covered "BUT" depending on your contents policy they will devalue Jacket,pants,gloves and boots depending on age
ie: 18 months plus can be 40%
If you have photos of your gear and it looks good get someone to back up your statement like your local bike shop and use their letterhead

even my insurance company agreed that some people look after there gear better than other and still paid me 90% of the value of my gear that was 2 years old the helmet was full replacement but talk to your insurer first

Most insurer's will want your old gear,but if theyt dont have and office local too you,they may just tell you to keep it :innocent:

[Milts]

As much as it sucks to hear the damage to your bike, it's so good to hear you walked away rather than reading about this in the news!
I'm with Protecta and when my bike was damaged they were so easy to deal with and patched it up no fuss. No experience re gear or how likely they are to just write it off...

[baptist]

:crybaby: for the bike but good news you walked away and big plus for all the gear or what! hope you get the result you want from the insurance...

[GPXchick]

Urg I keep hearing stories that make me think I should really upgrade my insurance to full :blink:

Glad to hear you're ok. Front sliding out is my worst fear.



But this is definitely one of my worst fears too. Hope all works out for you mate.

[St_Gabriel]

In regards to the insurance for the gears,

When I had my off, the bike was comprehensively insured with State and we also had our contents insurance with them as well. The gear had to be covered under the contents insurance so potentially two lots of excess would have been payable (I was deemed not at fault by State so no excess for the bike, and contents insurance excess refunded once they have been paid for by the guilty party).

They were very quick to payout, but they did depreciate the cost of all my gear by 5%. All gear was quite new (less than two months). The stuff I bought off trademe was also paid for at a depreciated replacement cost not a depreciated purchase cost, with the replacement cost being proven by a letter faxed to them from Boyds in Hamilton. All up was sorted quickly and efficiently all except the wait for the refund on my contents insurance excess. ( Accident was in July and had successful disputes tribunal hearing in March, still waiting for my $250)

[skippa1]

Mobil 1 in a motorbike?

Yes, not so strange you know, Mobil 1 4T Motorcycle racing oil. Recommended by Triumph in their manual as the oil of choice.

[Katman]

Not too interested in the "safety" speeches, condemnation for accident detail or other criticisim.

I'm sure you're not.

Just another avoidable accident to add to the ledger though. Thanks a lot.

I often wonder how many of those who are blase about writing off their motorcycle are the same people who scream blue murder when someone's shopping trolley puts a scratch on their car.

Why do so many see motorcycles as disposable toys?

[skippa1]

I'm sure you're not.

Just another avoidable accident to add to the ledger though. Thanks a lot.

I often wonder how many of those who are blase about writing off their motorcycle are the same people who scream blue murder when someone's shopping trolley puts a scratch on their car.

Why do so many see motorcycles as disposable toys?

Fuck off loud mouth cunt

[Maha]

Why do so many see motorcycles as disposable toys?

They are a disposable item.
Which is why I fail to get the rife ole 'throw alot of extra money at them' syndrome.

[YellowDog]

I'm sure you're not.

Just another avoidable accident to add to the ledger though. Thanks a lot.

I often wonder how many of those who are blase about writing off their motorcycle are the same people who scream blue murder when someone's shopping trolley puts a scratch on their car.

Why do so many see motorcycles as disposable toys?

FACT: When studied after the fact: All accidents of any kind are avoidable.

"If only I'd stayed in bed, I wouldn't have been riding my bike and hence would have avoided an accident."

It is usually factors out side of our control that put us in the "need a bit of luck to survive this" situation OR just riding too fast and or badly.

Based upon the information given whereby the front wheel unexpectedly lost traction on a specific piece of road; this accident would have been totally avoidable if the local council had kept the road in a better state.

Clearly speed must have been a factor, or else he would have not been moving.

Perhaps we should blame the Police for not reporting the defective road surface?

They seem to be keen to report everything else :yes:

[MSTRS]

FACT: When studied after the fact: All accidents of any kind are avoidable.


Nope. Except by not being there in the first place, true accidents (act of god type) are unavoidable. All others fall in the class of avoidable, in so far as the person/s involved make a mistake.

[Ocean1]

FACT...

Yeah. But all that's really needed is:


Fuck off loud mouth cunt

Anything else is redundant.




'Cept, (nods to H) for the comma.

[Ocean1]

Nope.

Do you really want to have that discussion again?

[Katman]

Based upon the information given whereby the front wheel unexpectedly lost traction on a specific piece of road; this accident would have been totally avoidable if the local council had kept the road in a better state.


Yeah, we seem to have progressed from blaming the "fucking cagers" to focusing on blaming the "fucking road conditions".

The spirit of 'Blame Something Else' lives on.

[bogan]

The S3 has a fairly exposed frame iirc, couple that with a slide and stop by armco and I reckon getting a proper frame check done (if it isn't written off, or if you buy it back) could be a good idea.

[MSTRS]

Do you really want to have that discussion again?

Don't need to. The word conjures up semantics, but my stance on the meaning remains little changed.

[Old Steve]

Can't we just have a thread without all this "every accident is avaoidable" crap. Yeah, they are.

But skippa1 just wanted some advice on the insurance aspects of his off.

Hey, glad you're OK skippa1. Pity about the bike, probably a write off because the insurance co will cost repairs based on full new parts costs, the motorcycle companies make their money out of their spares business and new parts add up.

[Katman]

Can't we just have a thread without all this "every accident is avaoidable" crap.

Why? Would it make you feel better?

[Metastable]

Sounds like a write off... usually anything to do with the frame and it's done, because it would cost too much in labour to switch a frame.... especially if there is other damage too.

Anyhoo - in the event that it isn't a write off... MAKE SURE.... there isn't sand in the engine.... sounds like it was the stator cover that got destroyed.... but whenever you lose all the oil, you want to make sure "things" don't get in the engine.

[FJRider]

Mobil 1 in a motorbike?

YEP ... MY thoughts too ..... :blink:

[Oscar]

YEP ... MY thoughts too ..... :blink:

Apparently you can get a motorcycle variety.
Ya learn summat every day.

[Ocean1]

Apparently you can get a motorcycle variety.
Ya learn summat every day.

Indeed. It's the good oil. Full synthetic, particularly good for high performance V twins. You should be running it in your KTM.

[racefactory]

Was it raining? If not, must have been pulling some pretty big lean for it to let go over new seal? You can still brake really hard on new seal before front locks, grip is not much different.

That or some shit as tyres?

[Big Dave]

Was it raining? If not, must have been pulling some pretty big lean for it to let go over new seal? You can still brake really hard on new seal before front locks, grip is not much different.


And sometimes they leave a good dusting of loose metal. Where grip is waaaay different. Treacherous even.

[sunhuntin]

Was it raining? If not, must have been pulling some pretty big lean for it to let go over new seal? You can still brake really hard on new seal before front locks, grip is not much different.

That or some shit as tyres?

could have been seal that hasnt been swept and isnt sign posted? they resealed a 50k road here in town 3-4 weeks ago. they had signs up and restricted speed when they were doing it. i went along that road yesterday, the signs and restrictions are gone, but the remaining loose gravel isnt. the gravel cant be seen as loose, only heard as it pings off.

[YellowDog]

YEP ... MY thoughts too ..... :blink:

All of us modern Triumph riders (modern bikes that is) use Mobil One 15/50 Fully Synthetic racing oil.

Until recently it is what Triumph were recommending and endorsing.

Money has canged habds and they now recommend Castrol Fully Synthetic, or something similar :blink:

[FJRider]

All of us modern Triumph riders (modern bikes that is) use Mobil One 15/50 Fully Synthetic racing oil.

Until recently it is what Triumph were recommending and endorsing.

Money has canged habds and they now recommend Castrol Fully Synthetic, or something similar :blink:

I recall a well known BOAT racer that used Mobil 1 sponsership ... that didn't use the oil ...

[Mom]

Nope. Except by not being there in the first place, true accidents (act of god type) are unavoidable. All others fall in the class of avoidable, in so far as the person/s involved make a mistake.

I have just had my car resprayed, looks like a new one. The cost to repair the damage was a bit over $3200. I got stoned by a truck on my morning commute just before I got Millie. I shudder to think what it might have been like to have been riding her in the same situation.

I had no where to go, and could not avoid the rocks hurtling at me. Chances are I would have come off my bike, hitting the deck at around 100 kph, just along side the cheesecutter WRB to my right. Scarey shit, mind you I am certain that Katman could have avoided the rocks :yes:

[Bonez]

Scarey shit, mind you I am certain that Katman could have avoided the rocks :yes:Now now even HE doesn't have to super powers he professes to have.:innocent: I do hope the OP cleaned all that Mobil 1 up so no other m/cist comes a cropper on it. Can't imagine how Steve missed that one. Must be slipping.:msn-wink:

[FJRider]

I have just had my car resprayed, looks like a new one. The cost to repair the damage was a bit over $3200. I got stoned by a truck on my morning commute just before I got Millie. I shudder to think what it might have been like to have been riding her in the same situation.

I had no where to go, and could not avoid the rocks hurtling at me. Chances are I would have come off my bike, hitting the deck at around 100 kph, just along side the cheesecutter WRB to my right. Scarey shit, mind you I am certain that Katman could have avoided the rocks :yes:

With/if ... the recomended 2 second gap ... following distance ... at 100 kms/hr ... was applied .... that must have been one hellava rockfall ...

[Bonez]

Oh glad you came out of it with just a few bumps skippa1. Could have been worse.

[Mom]

With/if ... the recomended 2 second gap ... following distance ... at 100 kms/hr ... was applied .... that must have been one hellava rockfall ...

Left me in tears and shaking for a couple of hours I have to say. Very scarey shit, and no where to go to avoid it. Truck in inside lane doing 90 odd, car behind him. Me in right hand lane, car infront and behind me. All of a sudden I saw these black things hurtling towards me. The sound is unmistakable when they hit metal. The car infront of me braked hard, I am guessing he was getting pelted too, I dropped back. He sped up to get away from the deluge and so did I. The rocks were bouncing on the road and up into the windscreen, they were flying off the truck ontop of the car, they were everywhere.

I broke the law, by picking up my cellphone and ringing the phone number on the back of the truck to get teh fucker to STOP!

It was all covered under insurance, apparently I was not the only vehicle damaged - no shit sherlock, but I hate to think how it would have been without my full metal jacket on :pinch:

[Mom]

I actually had my arm over my head, I thought the rocks were coming IN the car, absolutely terrifying. I reckon I would have been killed on a bike for sure.

[FJRider]

Left me in tears and shaking for a couple of hours I have to say. Very scarey shit, and no where to go to avoid it. Truck in inside lane doing 90 odd, car behind him. Me in right hand lane, car infront and behind me. All of a sudden I saw these black things hurtling towards me. The sound is unmistakable when they hit metal. The car infront of me braked hard, I am guessing he was getting pelted too, I dropped back. He sped up to get away from the deluge and so did I. The rocks were bouncing on the road and up into the windscreen, they were flying off the truck ontop of the car, they were everywhere.

I broke the law, by picking up my cellphone and ringing the phone number on the back of the truck to get teh fucker to STOP!

It was all covered under insurance, apparently I was not the only vehicle damaged - no shit sherlock, but I hate to think how it would have been without my full metal jacket on :pinch:

I HAVE BEEN THERE DONE THAT ... ON A BIKE....

NOW ... I dont follow gravel trucks too closely ... I learn fast ... and the memory lives on ...

I took the only option I had ... OFF THE ROAD ... no WRB's ... I was lucky ... but dam near shit myself ... at the time ...

the dreams still persist ...

[oneofsix]

Left me in tears and shaking for a couple of hours I have to say. Very scarey shit, and no where to go to avoid it. Truck in inside lane doing 90 odd, car behind him. Me in right hand lane, car infront and behind me. All of a sudden I saw these black things hurtling towards me. The sound is unmistakable when they hit metal. The car infront of me braked hard, I am guessing he was getting pelted too, I dropped back. He sped up to get away from the deluge and so did I. The rocks were bouncing on the road and up into the windscreen, they were flying off the truck ontop of the car, they were everywhere.

I broke the law, by picking up my cellphone and ringing the phone number on the back of the truck to get teh fucker to STOP!

It was all covered under insurance, apparently I was not the only vehicle damaged - no shit sherlock, but I hate to think how it would have been without my full metal jacket on :pinch:

There are time when you are allowed to use your cellphone whilst driving and reporting a dangerous driving event where there is no alternative is, I believe, allowed.

[FJRider]

There are time when you are allowed to use your cellphone whilst driving and reporting a dangerous driving event where there is no alternative is, I believe, allowed.

True ........... :yes:

[dogsnbikes]

All of us modern Triumph riders (modern bikes that is) use Mobil One 15/50 Fully Synthetic racing oil.

:

Not me I use Motul full 15/50 in thye 955 and Motul semi 15/50 in the rest of the bikes

[CRF119]

Some who read this should start to consider what state you would have been in if you wern't all geared up - Well done to you.

I was on a ride on Saturday my first group ride. We went out glen Murray way towards the coast and looped into Huntly. (Not such a well maintained road the road has sunken in a lot of places and plenty of lose stuff kicking around) Lots of bikes on this loop that day. Anyway after a few slides on the fine gravel found on corners i thought umm maybe i should buy some proper riding pants. Ive been rocking jeans for 3 years now. All my other gear is Alpinestars and Shoei helmet.

Might be heading down to buy some matching Alpine stars leater pants after reading this because i was probably not far from doing the same over the weekend.

Good to hear you are ok! As for the bike I wouldn't buy it back. My CBR900RR had been dropped by previous owner and all tho it looks pretty dam good from a few feet back, when you work on it and look at it closely it frustrates the shit out of me. Ill never own a repaired bike again. Good thing i didn't pay much for this one.

If i bin mine the engine will be going into a go kart.

Good luck with the insurance. Find a good assessor!!!

[hayd3n]

I shudder to think what it might have been like to have been riding her in the same situation.

I had no where to go, and could not avoid the rocks hurtling at me. Chances are I would have come off my bike, hitting the deck at around 100 kph, just along side the cheesecutter WRB to my right. Scarey shit, mind you I am certain that Katman could have avoided the rocks :yes:
ask jantar for a pic of his leg when he was hit with a rock whilst riding his bike

[Edbear]

could have been seal that hasnt been swept and isnt sign posted? they resealed a 50k road here in town 3-4 weeks ago. they had signs up and restricted speed when they were doing it. i went along that road yesterday, the signs and restrictions are gone, but the remaining loose gravel isnt. the gravel cant be seen as loose, only heard as it pings off.


On a ride yesterday, dropped the speedy at about 85kmh on a corner. Bit of new seal and the front wheel let go. Bike slid about 40m and lodged under the armco barrier. I face planted the road, slid about 30m, did a couple of flips and ended up back on my feet facing the way I had been coming. No breaks, no rash but holy crap am I bruised and have lumps in places there shouldnt be any. Good leathers, hard knukle gloves and a Shoei helmet saved the day by sacraficing themselves.

Not sure if they will fix or write off, it has a big scrape on the tank, scratching on the frame and swingarm, smashed front guard, rear plastics, handlebars, levers, new carbon cans, alternator cover(lost all her Mobil 1 @ $20/litre:facepalm:)left footpeg, shift lever and linkage mirrors, grips etc etc.

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?
Do they fully replace(Household with State)?
Do they want the old crap?
How mauch damage(does the above sound like a lot?) before shes a write off?

Not too interested in the "safety" speeches, condemnation for accident detail or other criticisim, just good solid advice on the questions above.

Lots of info to make a judgement on, for sure. Plain as day he was being careless and should have seen/avoided the loose seal. He undoubtably considers his bike a dispoable item and therefore was riding without due care and attention, not concerned if he should crash, knowing full well he'd be okay but write off the bike... :yes:

[skippa1]

Facts...
Oil -yes Mobil 1 4T is the recommended oil
Yes the oil was cleaned up by my frends who stopped and helped as opposed to the (Katman and a couple of others) crew who troll posts on a forum for fodder to feed their own fucked up ideas of reality.(these people should ride their bikes instead of criticising those who do)
Maybe avoidable, but be sure, I had just spent $1500 on extras for the bike, I did not intend to trash those parts
Seal went from old to new, no signage, very different surfaces, right on a corner

[CRF119]

There are definitely some poor road workers that don't consider bikers when removing signs and cleaning up their mess at the end. I came up to a section at 100kp/h that looked ok from about 20 meters back. Got with in 10 realised it wasn't fresh seal but gravel. The gravel was so soft the bike sunk over 100mm below the visible surface at this stage Motor X instinct kicked in and i pinned it till the end. I had a pillion to make matters worse i was lucky to snake my way out of that one.

But i do agree bikers need to access the surface and area the road workers can't mark every hazard on every back road we ride

[Quasievil]

I recall a well known BOAT racer that used Mobil 1 sponsership ... that didn't use the oil ...

lol I can name an field of Supercars that are sponsored by a host of oil brands such as fuchs, valvoline, gulf western,Castrol that all use Mobil 1, Not to mention a couple of NZSBK racers !!

re Triumph yes money changed hands and Mobil 1 4t isnt the manufacturers brand choice any longer, more money was found elsewhere on this occasion

[MSTRS]

...road workers .... cleaning up their mess at the end.

Utopia.
We don't live there, unfortunately.
Eternal vigilance, good observational skills and better reaction times are our best weapons.
But then again, we aren't perfect either.

[Owl]

Apparently you can get a motorcycle variety.
Ya learn summat every day.

Yeah 4ltr for $55+gst.

http://www.mobmech.co.nz/index.html?Action=SiteMap

[Owl]

Insured with Protecta. Question for those that know(have been there),
Gear covered under Protecta or household?

As far as I'm aware, Protecta have $500 helmet cover only included with bike cover. Can't even get an extension to cover other gear?

[davebullet]

It sometimes pays to have your motorcycle and contents cover with the same insurer for this very reason.

Unfortunately, you'll need to check your policy wording on both Protecta and State insurance policies and your schedule - to check for any exclusions (scenarios or items not covered).

If not clear, I would approach both insurers as follows. If the Protecta policy only covers your helmet (as Al suggested), then check if your State policy explicitly excludes gear lost within a vehicle or whilst using a vehicle. If not, approach State re cover for the rest of your gear.

You could also check the State motorcycle policy (I know you don't have it), but this will let you know where State puts the cover. for example - if the state motorcycle policy covers your gear, then it is unlikely the contents policy covers it.

In any case, it comes down to policy wording and any "exclusions" the insurer has added to your schedule (the personal bits that apply to you and your item being insured) vs. the "wording" (which is the general stuff about cover that everyone gets).

[skippa1]

Ok, progress so far,
State cover all gear with contents insurance, though they depreciate its value for the age. I am waiting fo the shop to send State photos of damage, RRP on each piece of gear and depreciated value or condition report.:wait:
Protecta have a claim form, shop has bike and they are saying it doesnt look too hopeful for a repair:crybaby:.Protecta give you $500 for your helmet, it is good, but on a $1200 helmet it isnt enough, State may do better.:wait:
So I wait now and see where we go from here.........:(

My health:doctor:? Amazing how many new pains you get as time goes on. Some things heal quite fast, some parts of the body that felt fine yesterday are now blue, swollen and sore:violin:. Ahhh well, I live to ride another day:scooter:.

[Jantar]

ask jantar for a pic of his leg when he was hit with a rock whilst riding his bike

2 months ago today and I'm still bandaged from toes to knee. I hate to think what it would be like if it wasn't for my riding gear. The impact went through my boot, and through the armour.

[mulletman]

Wondering what make leathers,gloves,boots did ya have ? Seeing they did the bizzo:yes:

[LBD]

Mobil 1 Motorcycle Oils are full-synthetic, high-performance engine oils formulated specifically to meet the demanding needs of motorcycle engines. Mobil 1 Racing 4T 10W-40 is designed primarily for on-road, high-performance, 4-cycle sport bikes. However, it may be used in other types of on and off-road 4-cycle motorcycles, especially where a 10W-40 viscosity grade is specified.

Product Features:
•Maximum shear stability to resist viscosity shear down in high-performance engines and transmissions
•Exceptional thermal stability to resist oxidation and high-temperature degradation
•Outstanding protection against wear of engine and transmission components
•Enhanced lubrication to help maintain maximum power and acceleration over the life of the engine
•Optimized wet-clutch performance; meets JASO MA
•Excellent low-temperature flow characteristics to help minimize engine wear during start-up


Also available in other viscosities...If you value your machine or have a habit of pushing past recomended oil drain intervals then a premium synthetic is probably for you.

[Jantar]

Wondering what make leathers,gloves,boots did ya have ? Seeing they did the bizzo:yes:
The leathers are Riderz brand. I bought them in Christchurch around 7 years ago, and haven't seen them anywhere since.

The boots are at home, so I'll have to look at them tomorrow to get the brand. At present I can't get boots over my bandages so I'm just riding in shoes. They are just a basic road boot with armour up the shins.

I was hit by a single large rock thrown up by a roadside mower. The impact and results are described here http://www.kiwibiker.co.nz/forums/showthread.php/135351-TT2000-A-golden-weekend.

[madmartin]

Got flattened by some twat in Chch the other month on my nice shiney new K5 gixxer, bike was a write off due to frame damage, otherwise it didn't look so bad. The gear wasn't such a great story either, as someone else has mentioned i got market value for my 1 piece suit and helmet, equalling about enough to buy another lid, but that was it. Some insurance companies also want to old trashed gear but mine did not. Good luck!

[DMNTD]

...Protecta give you $500 for your helmet, it is good, but on a $1200 helmet it isn't enough, State may do better.:wait:


State have been great with replacing my helmet(s) in the past.
I'd consider going with them but do be aware that if you make a 'few' claims what they will eventually simply just not cover your bike gear anymore

[Oscar]

Mobil 1 Motorcycle Oils are full-synthetic, high-performance engine oils formulated specifically to meet the demanding needs of motorcycle engines. Mobil 1 Racing 4T 10W-40 is designed primarily for on-road, high-performance, 4-cycle sport bikes. However, it may be used in other types of on and off-road 4-cycle motorcycles, especially where a 10W-40 viscosity grade is specified.

Product Features:
•Maximum shear stability to resist viscosity shear down in high-performance engines and transmissions
•Exceptional thermal stability to resist oxidation and high-temperature degradation
•Outstanding protection against wear of engine and transmission components
•Enhanced lubrication to help maintain maximum power and acceleration over the life of the engine
•Optimized wet-clutch performance; meets JASO MA
•Excellent low-temperature flow characteristics to help minimize engine wear during start-up


Also available in other viscosities...If you value your machine or have a habit of pushing past recomended oil drain intervals then a premium synthetic is probably for you.

\spamfilter

That pretty much guarantees I'll never buy yer product, pal.

[Quasievil]

\spamfilter

That pretty much guarantees I'll never buy yer product, pal.

Still in a state of denial then Oscar lol

[Oscar]

Still in a state of denial then Oscar lol

Mate, it ain't about the product - in any other motorcycle forum I belong too, he'd be branded the fucking spammer that he is and banned for eternity.

[LBD]

\spamfilter

That pretty much guarantees I'll never buy yer product, pal.

Texaco/caltex guy myself....I was plugging the value of synthetics....not any brand in particular.

[Stirts]

Protecta have a claim form, shop has bike and they are saying it doesnt look too hopeful for a repair:crybaby:

Bummer....... but what of the engine?

<img src="http://www.inkycircus.com/photos/uncategorized/2007/05/11/vulture.jpg"></img>

;)


My health:doctor:? Amazing how many new pains you get as time goes on. Some things heal quite fast, some parts of the body that felt fine yesterday are now blue, swollen and sore:violin:. Ahhh well, I live to ride another day:scooter:.

Glad to hear that you have not been written off!!

[skippa1]

Bummer....... but what of the engine?

<;)



Glad to hear that you have not been written off!!

Looks like it is a write off, frame, 1 leg of the forks, swingarm, tank, rear sub frame, rear hub, front guard, mid pipes and cans, and on and on it goes.
regarding the engine, stator and flywheel buggered at this stage, radiator as well, would need a good clean out, full of stones, grit and sand.

[madmartin]

it's always your favorite bikes that end up getting trollied...

[Stirts]

Looks like it is a write off, frame, 1 leg of the forks, swingarm, tank, rear sub frame, rear hub, front guard, mid pipes and cans, and on and on it goes.
regarding the engine, stator and flywheel buggered at this stage, radiator as well, would need a good clean out, full of stones, grit and sand.

Well then.......Welcome to the Triumph Wreckers Club :blink:

[skippa1]

Well then.......Welcome to the Triumph Wreckers Club :blink:

Thanks. Do I get a badge or something? Might need a hand to pin it on though....

[Stirts]

Thanks. Do I get a badge or something? Might need a hand to pin it on though....

Here you go ;)

<img src="http://i158.photobucket.com/albums/t104/lgirlx521/GIFs/th_clapping.gif"></img>

[MarkH]

Not me I use Motul full 15/50 in thye 955 and Motul semi 15/50 in the rest of the bikes

Semi-synthetic - LOL!


Mobil 1 Racing 4T 10W-40

I've had a cunt of a job finding that (Suzuki specify 10-40w for my scootah) so I bought some Mobil 1 Delvac 10-40w which should work about the same. I'll buy the Mobil 1 Racing 4T next time if I can find the stuff.

[skippa1]

I've had a cunt of a job finding that (Suzuki specify 10-40w for my scootah) so I bought some Mobil 1 Delvac 10-40w which should work about the same. I'll buy the Mobil 1 Racing 4T next time if I can find the stuff.

Yeah, not cheap either. I was paying $118 for 4 litres.

[MarkH]

Yeah, not cheap either. I was paying $118 for 4 litres.

Fuck, that's expensive - I only paid $107.50 for the Delvac and that was for 5 litres.
Luckily the scootah doesn't use much - 1.3L is enough for an oil & filter change, even with a little top-up now & then I should be good for 3 oil changes off 5L of Delvac.

I probably shouldn't have laughed at dogsnbikes - it wasn't long ago that I didn't know what semi-synthetic meant either.

[Owl]

Yeah, not cheap either. I was paying $118 for 4 litres.

I'm sure I posted earlier in this thread, that is can be purchased for $55+gst.:facepalm:

[skippa1]

I'm sure I posted earlier in this thread, that is can be purchased for $55+gst.:facepalm:

You did. Good luck with that, Usual RRP is about $100, our local shop puts his markup on cause we are special:blink:I can get it for less, nowhere near $55.... but freight just pushes it back up there. Where are you getting Mobil 1 4T for $55/4ltrs?

[Owl]

You did. Good luck with that, Usual RRP is about $100, our local shop puts his markup on cause we are special:blink:I can get it for less, nowhere near $55.... but freight just pushes it back up there. Where are you getting Mobil 1 4T for $55/4ltrs?

From here.

http://www.mobmech.co.nz/diesel-truck-mechanic.html

Good bunch of guys and I believe they ship 4lt for about $10. Still better than $100+:yes:

I think a lot of the price variation, is that motorcycle shops purchase Mobil 1 from Northern Accessories, who have a RRP of $109. Even the local Allied servo sells it for about $70.

[skippa1]

From here.

http://www.mobmech.co.nz/diesel-truck-mechanic.html

Good bunch of guys and I believe they ship 4lt for about $10. Still better than $100+:yes:

I think a lot of the price variation, is that motorcycle shops purchase Mobil 1 from Northern Accessories, who have a RRP of $109. Even the local Allied servo sells it for about $70.

just rang them, what a good price :yes:I know where I am going next

[Old Steve]

This is coming from 20 + years in the lubricant industry, last nine in an overseas technical center for one of the large fuel/lube companies in this area.

The term "synthetic" means diddly squat. Years ago Mobil made Mobil1 using man made synthetics such as PAO (poly-alpha-olefins). Castrol in the US started using highly hydro treated mineral basestocks (hydro treating breaks double bonds in the lube molecule which will lead to thermal breakdown/thickening of the oil). Castrol started using the term synthetic for their modified mineral oil based lubricant.

Mobil took them to court, and the judge must have been having a bad day. He approved Castrol's use of the term synthetic for those hydro treated mineral basestocks. Those of us in the lube industry mostly agreed with Mobil, a synthetic is a product made up from smaller molecules, such as polymerising olefins to form PAO.

The thought at the technical level of the lube companies at the time was that a synthetic should be categorised by certain physical and chemical parameters. Viscosity Index (VI) would be a great determination whether an oil should be called synthetic. VI is the measurement of how fast an oil changes viscosity (OK, thats "thickness" to you guys) as temperature changes. The less an oil changes viscosity as temperature changes - ether thins slower as temperature rises or thickens slower as temperature falls - then the higher it's VI is. A well refined mineral oil has a VI around 90 to 95, maybe as high as 100. The US court hydro treated mineral oil type synthetic may have a VI in the range of 110 to 120. A proper synthetic, such as a PAO, will have a VI of 130 or more. I think I saw a paper that suggested that these three VI segments be called mineral (say VI up to 105), semi-synthetic (say VI 110 to 120) and synthetic (say VI above 125 or 130). That would have prevented mineral/"synthetic" mixes being called semi-synthetic so these would have had to be described as "synthetic blend".

So now, any lube manufacturer can use hydro treated mineral basestocks and call them synthetic, or even mix a little hydro treated mineral basestock with straight mineral oil and call it semi-synthetic. Though I think about the time I left the oil industry there were moves to require a minimum percentage of synthetic in a semi-synthetic.

There are a couple of mineral based synthetics which are quite good. Chevron have a plant which produces a product they call ISO-Syn, it's a highly hydro treated and processed mineral basestock with quite a high VI and good oxidation resistance. Shell went outside the box. A good lube oil molecule is as straight chain as you can get, and as wax molecules are perfect very very long straight chain molecules, Shell took wax and broke the molecule length down into lube oil length molecules (and plugged the ends of the new molecules with hydrogen atoms). This is a very good synthetic which comes from a mineral petroleum product base.

[Bonez]

Cheers for that Old Steve.

[Katman]

(OK, thats "thickness" to you guys)


Careful - skippa may take exception to that.

[skippa1]

Careful - skippa may take exception to that.

Ahhh, theres that ol safety message again. Thanks Katman, everything you say is so meaningful