Motorbike equipment & ACC?

[liviy]

Hey guys,

I got taken out by some great driver on Wednesday night and it looks like my bike's a write off...insurance are going to sort that out but i went down and knocked my helmet n did some damage to my jacket but the insurance say they don't cover that stuff...

Someone mentioned that ACC might cover them as I was on my way home from work and they are classed as safety equipment, does anyone know any more about this? If it's true or rubbish?

Thanks

[bistard]

Sorry to hear about your bike & the accident
ACC dont cover gear,havnt done for years
Your gear should be covered by your house & contents policy

[onearmedbandit]

Insurance paid out on my damaged gear last year via my contents insurance. No questions asked, no evidence required, just a quick phone call, a quote from a local shop, and the money was in my account within a week. Very smooth thankyou State.

[Devil]

Well if it's their fault, they should be paying out on anything that was damaged. Helmet/gear included...

[liviy]

Yeah, this has just been the icing on the cake...

It was their fault and the insurance said, yes we can cover from the house & contents BUT you have to pay excess, lose no claims AND because it's clothing it's only second hand value :shit:

So I'm pretty gutted about the whole thing, they are accepting my bike claim with no excess and loss of NCB but not this

But I thought if anyone would have prior knowledge of this stuff you guys would ;)

[trumpy]

Bugger,bugger, bugger...that beautiful bike trashed. What a bastard.

............oh, by the way, you OK?

Might be time to get that Triple???

[onearmedbandit]

What insurance company are you with? State valued mine at full retail minus 10%.

[liviy]

Bugger,bugger, bugger...that beautiful bike trashed. What a bastard.

............oh, by the way, you OK?

Might be time to get that Triple???

Yeah, mild concussion and sore all over but nothing broken or seriously damaged so I'm putting that in the pro column...

I'm 3 months off my Full so I have got either the daytona 675 or cbr 600rr in mind but not much use to me now as I used my bike everyday to get to work.

Just such a painful experience, at least I can say one good thing, insurance was a 5 min phone call, claim taken, they called Honda and the bike was picked up in under 2 hours from my home.

[MSTRS]

Fault has been admitted by the cager? If so, everything is on him/her.
Otherwise, your bike and helmet should be covered under your bike policy.
If they say no to your helmet, since it is a legal requirement when riding then it should be considered a part of the bike.
The other gear is under contents....

[liviy]

What insurance company are you with? State valued mine at full retail minus 10%.

NZI, maybe I'll have a chat with my broker

[MSTRS]

Yeah, this has just been the icing on the cake...

It was their fault and the insurance said, yes we can cover from the house & contents BUT you have to pay excess, lose no claims AND because it's clothing it's only second hand value :shit:

So I'm pretty gutted about the whole thing, they are accepting my bike claim with no excess and loss of NCB but not this

But I thought if anyone would have prior knowledge of this stuff you guys would ;)

This is bullshit. The claim is on the other party....No excess, loss of etc on your part at all.
Edit...your insurer goes their insurer (or the other party personally) so technically the claim is not on your policy(s) since your insurer can recoup the loss

[avgas]

ACC dont cover.
Your home and contents should cover it, or if your a poor fella like me.....and someone else hit you....their insurance covers it

[liviy]

This is bullshit. The claim is on the other party....No excess, loss of etc on your part at all.

Yeah, I know...added insult to injury...

I figure I'll see what else you guys can suggest and then I'll call my broker (that I arranged my insurance through) in a couple of hours and take some of your comments & suggestions into the conversation with him...see if we can't get it sorted.

[Zukin]

Yeah, this has just been the icing on the cake...

It was their fault and the insurance said, yes we can cover from the house & contents BUT you have to pay excess, lose no claims AND because it's clothing it's only second hand value :shit:



That is so not true
Insurance companies always say that too

If you are involved in an accident (whether its on a bike or in a car etc) and the other party admits fault, or is found guilty to the accident, all you need to do is to get their details (name and address etc) and tell the insurance company this.
Then you wont need to pay the excess, and it wont affect your no claims bonus!!

Otherwise when the catch up with the "at fault" driver they recover the cost of the repair and the excess so they get it twice!!! :angry:

Sometimes to speed the process up, you should pay the excess but ask for reimbursement!
Some insurance companies do this automatically

Hope this helps
Scott

[liviy]

Ok, update...

My broker said it doesn't sound quite right either and gave me the name of someone to talk to at NZI but they were away on annual leave so spoke to someone else...

They said basically same thing as before but with a extra comment...

Nothing bar motorbike is covered by that policy

Helmet & jacket covered by house & contents to which I could claim for @ 2nd hand value & pay excess (which I would get back IF they managed to get it out of the other party)

So that means that if I have $500 worth of gear to claim for, I'd pay $100 up front, get about $250 to replace it and might get my $100 back. Seems like a very backwards & painful situation :angry:

[bistard]

Mate,its time to change insurance companies,my gear is covered,even while I am racing,as I stipulated in the policy

[Pumba]

My broker said it doesn't sound quite right either and gave me the name of someone to talk to at NZI but they were away on annual leave so spoke to someone else...

If you are working through a broker why are you ringing NZI direct? That is what he/she is getting paid to do.

If it were me Id be telling my brocker to sort his/her shit out and find out the full story for me like I paid him/her to do. From my experience they can get to the people you really need to speak to quicker than us mortals on the otside of the insurance world.

EDIT: By the way sorry to here about your accident, sucks it wasent your fault but you walked away so its all good.

[Macktheknife]

Ok, update...

Nothing bar motorbike is covered by that policy

Okay that's normal.



Helmet & jacket covered by house & contents to which I could claim for @ 2nd hand value & pay excess (which I would get back IF they managed to get it out of the other party)
This should not be right, insurance should pay full replacement cost, mine does.



So that means that if I have $500 worth of gear to claim for, I'd pay $100 up front, get about $250 to replace it and might get my $100 back. Seems like a very backwards & painful situation :angry:

It does seem screwy, check out other insurers, my policy with AA is better than that, and others are better than mine.
Bugger about the off mate, glad you are basically ok, keep your head up and soldier on.

[Zukin]

Ok, update...


Nothing bar motorbike is covered by that policy

Helmet & jacket covered by house & contents to which I could claim for @ 2nd hand value & pay excess

So that means that if I have $500 worth of gear to claim for, I'd pay $100 up front, get about $250 to replace it and might get my $100 back. Seems like a very backwards & painful situation :angry:

Now I never ever thought about that!!
We have to make 2 claims if the unfrotunate thing happens
1 for the bike and 1 for the gear
Now that sucks :angry:

I called my insurance company and they said that my gear isn't covered under motorcycle insurance, but on the other hand if I was to ride a motorcycle on the road without a helmet (why would you do that anyway) and had an accident the claim would be declined because it is law and part of my licence conditions to have a helmet on :mellow:

So my theory is if I am riding and have an incident, my gear should be covered under my bike insurance, but if it gets flogged out of my shed, then it should be covered under my house and contents insurance!!

What do you think??

[Pumba]

So my theory is if I am riding and have an incident, my gear should be covered under my bike insurance, but if it gets flogged out of my shed, then it should be covered under my house and contents insurance!!

What do you think??

In THEORY that sounds LOGICAL and should be correct.

LOGIC and THEORY, from my experiences, have never seemed to mean a hell of a lot in the insurance industry

[MSTRS]

What do you think??

I think the gear (clothes, gloves, boots etc) should be covered under contents. But the helmet (being a legal requirement as part of riding a bike) should be covered in with the bike.
Who said insurers are logical tho.
Anyway, in the highlighted case, there should be no loss on the claimant as the other party is at fault. If they have no insurance, the claimant's insurer should 'sue' that individual for the costs

[liviy]

Yeah, I know...I think I might have to re-think my insurance when it's due for renewal because in this situation claiming will give me about $250 (if I get my excess back which they don't guarantee) and I'll still have to pay more to replace the gear so it's probably not worth losing NCB over that...it wouldn't be so bad if it was either full replacement or close to.

I'll probably see if I can get my jacket patched up (as it's just the elbow that is torn but maybe unravel & let in water if not fixed) and replace my helmet.

Next time I'll make sure that the bike insurance covers the apparel & for a good amount.

And this is all not even touching on having to start looking for a new bike to replace the old one.

[Matt_TG]

Generally, clothing (whether it's used on a bike or not) is covered under contents, and in 99.9% of cases it's covered on an indemnity basis - ie market or second hand value. I am unaware of any general insurer that covers clothing for replacement value in the same way they would an item of furniture. A minimal depreciation may be applied if the gear was new or used very little, then they would deduct what discount they could expect to get from a retailer.

Contents policies can exclude 'motor vehicle accessories' or limit the amount you can claim to a set amount. Read your wording. NZI's policies are well written, it's in there. You may specify high value or unusual items on your policy, so the terms for settlement are set out in the event of a claim, however that's done at the outset, not after a loss.

Even if there is recovery against a third party they have no legal obligation to pay you anything more than what it was worth at the time of loss, whether it's clothing, your bike, car or piece of furniture. Legal liability does not mean you get 'new for old', and even the Courts wouldn't award you something new for something old.

NZI and State are operated under the IAG umbrella. If you have business via a broker you will however be dealing with an IAG broker claims team, and generally broker's have influence to assist the settlement of your claim.

Refer the matter to your broker but be aware of your actual entitlements.

Good luck!

[Goblin]

After I was knocked off the old cunt plead not guilty to careless use causing injury. was found guilty. My insurance paid the finance co for the bike(written off) but I lost my deposit and the three installments i'd made. ACC covered my medical costs. I took the old cunt to disputes tribunal to recover costs for helmet, repairs to leather jacket and loss of deposit etc. Because he was old he was ordered to pay me $1000 at $5 per week!
Good luck!

[doc]

After I was knocked off the old cunt plead not guilty to careless use causing injury. was found guilty. My insurance paid the finance co for the bike(written off) but I lost my deposit and the three installments i'd made. ACC covered my medical costs. I took the old cunt to disputes tribunal to recover costs for helmet, repairs to leather jacket and loss of deposit etc. Because he was old he was ordered to pay me $1000 at $5 per week!
Good luck!
You sound very bitter girl. Get it off your chest. We are all here for you.

[Goblin]

You sound very bitter girl. Get it off your chest. We are all here for you.
I have no chest left!! Course im bitter!

[doc]

I have no chest left!! Course im bitter!
If you have a credit card you could get implants . I believe Thailand are offering "Flybuys" with them at the moment. We on the KB'r site would help to offer advice on size if you need help.

[Goblin]

No no no....ya cant lay on the tank and go fast with big lumps of silicone in ya chest. Eeewww! Implants look hideous anyway. :sick: oooh and the thought of a doctor cutting me open to put them in there....no thanks. I'd rather have my little bitter tits.

[Whitelock Suzuki]

Hey guys,

I got taken out by some great driver on Wednesday night and it looks like my bike's a write off...insurance are going to sort that out but i went down and knocked my helmet n did some damage to my jacket but the insurance say they don't cover that stuff...

Someone mentioned that ACC might cover them as I was on my way home from work and they are classed as safety equipment, does anyone know any more about this? If it's true or rubbish?

Thanks

Hi yah - I've been putting a bit on about insurance on the Kiwi biker site today. I'm real cabbage with computers and couldn't even work out how to get in but with help, I am in today because some people from the kiwi biker web had contacted me about insurance and I was curious to see where it had all started from.

Anyway, on to your problems with insurance...
someone else has already told you that ACC no longer cover clothing. ACC used to and there were no excesses. When ACC changed to "ARCIC" back in the 1990's they dropped clothing and lump sum payments for permanent injury and some other things.

Your problem seems to be that you have an excess on your bike under one cover and an excess on your clothing under another contents policy. Now, if your bike and contents are with the SAME company, ie, NZI, my understanding is they will only apply one excess for the one incident and it will always be the higher excess. Same principle if your house burnt down taking your contents and 2 cars with it - only one excess instead of one for the house and one for the contents, one for each car. Whether this is written into your policy I am unsure, but applying one excess for one incident when both or more policies is with the same company is fairly common across all insurance companies.

If you got hit by someone else and they accept liability to your insurance company then you should not lose any excesses at all or any No Claim Bonuses. The settlement of your claim will be your own insurance companies discretion and you may not like their method of settlement but you definitely should not lose any excess or No Claim bonus.

I'm assuming you have a contents policy? If you don't then you should become classed as an "uninsured third party" for your clothing with the offending drivers insurance company. (Your bike insurer may handle this for you as a service because they'll be communicating with the other insurer regarding your bike but no promises. They don't have to get involved and may not want to). If you don't have contents insurance then the offending drivers insurance should settle with you directly. No excess. Don't expect a replacement settlement though - they'll settle on the 2nd hand/depreciated/market value and you can argue the toss if unhappy with their settlement but you'll be a bit at their mercy and if you get too obnoxious, you'll find they'll dig their toes in. If you are reasonable, they should be too.

I'm the Road Sales manager at Whitelock Suzuki in Wanganui and don't hold it against me but I worked in insurance and ACC for 15 odd years before retraining as a mechanic when I was the tender age of 35. We all deal with our mid life crises in different ways! I have been selling Road bike insurance here with much confidence all over New Zealand. I have a sub-agency for Classic Cover and can do good comprehensive cover for riders over 30 with a clean driving record. The make and model of bike is irrelevant - I do everything - Harley-Davidson, Ducati, Triumph, Suzuki, Honda, Yamaha, Kawasaki. The premiums and excess I can offer are very competitive, and there are a few extras with the cover- particularly relevant to you is the first one...
-$2500.00 worth of motorcycle clothing is automatically included (helmet, gloves, armoured jacket, armoured pants, boots)
-$1500.00 worth of spares/accessories (is also automatically covered.
-you can opt to take Roadside Assist for another $25.00 - this gives you an 0800 number to call if you have problems with your bike - a nice person comes and picks you and the bike up and takes you to the nearest garage.
-you can pay the premiums off over 3 months at no extra charge
-if your bike is under 12 months old and it gets stolen or written off, you get a replacement bike - there is no depreciated/market value/2nd hand value settlement.

If you would like to contact me my email is sue@whitelocksuzuki.co.nz and I would be happy to help you out with your present insurance woes and also would like to give you a quote and more details of the cover I can offer you when you get your new bike.

Looking forward to hearing from you.

Sue

[slopster]

You insurance might not cover you riding gear but the other driver dammaged it so either he or his insurance company has to pay for it. Try contacting his insurance company (if you have the details).

[Sanx]

After all this talk of insurance covering gear, I phoned up ASB (who resell insurance on IAG's behalf) to see what deal I'd get on my clothes if I had to make a claim. Sure enough, indemnity value. However, I was able to list my gear as specified items. Gave them the make and model of each component, and the price I paid for it. Now, in the case of a claim and assuming the gear's under two years old and I can prove the value (or get a replacement quote), I'll get full replacement cost minus my excess.

The cost for doing all this: nada.

So folks, phone up your insurance companies and get your gear listed as specific items. Should save you a bit in the event of a bin, and shouldn't cost you much either.

[Matt_TG]

So folks, phone up your insurance companies and get your gear listed as specific items. Should save you a bit in the event of a bin, and shouldn't cost you much either.

Quoted for truth :Punk: