Road-rashed gear and ACC?

[caseye]

Can anyone out there tell me for sure what the story is with gear damaged, made unuseable after an off and ACC,I seem to remember that if your gear was written off you can get it rpelaced by ACC as part of their rehabilitation.
Cheers in advance and yes I;ll take any amount of ribbing with a grain of salt, but please remember this is not my gear it was what my wife was wearing when she was brought down by one of many car parts strewn throughout the Hunuia gorge last week.
Luckily she was wearing full gear, Helmet, Written off.
Leather jacket,Scuffed to hell and gone but did it's job.
Gloves, torn but her hands and fingers are OK.
Cordura armoured trou, ripped through outer lining but saved her much more damage.
Boots, top worn off right hand one,LOL side! then but stopped her getting damaged feet.
Please you lot, wear it!
For sure if you are not wearing the gear, don't wave to me, cause I won't wave back, just knowing what might happen if you take you hand off and fall down!

[Mom]

I dont think ACC pay for gear anymore, probably better off claiming on contents policy.

[dogsnbikes]

Acc dont cover anything now

As mom said do it through your contents insurance,most case's they will do full replacement on your Helmet and devalue the rest of the gear depending on its age....

So would suggest that if your friendly with the bike shop you deal with get them to write a letter too your insurance backing up the condition of your gear and how well you looked after it(it worked for me)and they never asked for my old gear,just speaking from experience and instead of my gear being devalued 40% I got a 90% payout and full helmet replacement

[MSTRS:Me]

Yep, ACC stopped doing gear years ago. Insurance (contents for clothing) but possibly helmet on bike policy.

[Mully]

Check your bike insurance policy - I have gear cover on mine. Failing that contents.

Glad the Mrs isn't too banged up.

For sure if you are not wearing the gear, don't wave to me, cause I won't wave back, just knowing what might happen if you take you hand off and fall down!

WAVING THREAD!!!!!!

[firefighter]

[QUOTE=dogsnbikes;1129653708 will do full replacement on your Helmet and devalue the rest of the gear depending on its age....[/QUOTE]

Not anymore. I dunno who you are with or when you claimed, but mine certainly was certainly devalued. Was'nt exactly old or cheap either. In fact it's one that was being worn by a GP rider at that present time.

[dogsnbikes]

Not anymore. I dunno who you are with or when you claimed, but mine certainly was certainly devalued. Was'nt exactly old or cheap either. In fact it's one that was being worn by a GP rider at that present time.

Psis Assets care...16 months ago and still have full cover on helmet

[firefighter]

Psis Assets care...16 months ago and still have full cover on helmet

How does assets care differ from home and contents? Is it the same?

[dogsnbikes]

yes its the same as contents and any other insurance,may not be the cheapest insurance out there but claims are settled fast and without stress,and the customer service has been great well thats been my experience

[onearmedbandit]

Claimed for my gear through State recently, full replacement on helmet and depreciation (quite a bit too) on the rest of it.

[caseye]

Hey bandit, cheers everyone, yes spkke with insurer, if I had checked the helmet box I'd have got $500.00, but I hadn't, never mind.
Spoke with AMI re contents, yes as stated they will cover, but it will all take a hit re devaluation/depreciation.
Still it's gotta be better than forking out all over again.
Thanks for the comments and advice people.

[Mom]

but it will all take a hit re devaluation/depreciation.

True story. Many years ago I was the victim of a knicker knicker. This low life used to go around the neighbourhood flogging female smalls off clothes lines. It took a little while before I actually noticed as this person was selective and only took the "nice" stuff if you get my drift. Also on the knicking list was any togs or excercise type clothing and the odd skirt. When I did a reccy of my smalls I had lost a considerable amount of really lovely stuff. Report to the cops, yes they have had other complaints Arggghhh! Anyway, make an insurance claim, have a replacement policy so should have been sweet.

But sadly no, depreciation had to be taken into account. I was offered 25% of the cost to replace my lovely stuff. I contacted them and asked the question, how do you work out depreciation on undies, is it per wear? or wash? or stain? No just we only pay 25% on undies. I managed to convince them that these undies were of the special occassion vaiety and were in as new condition at the time of theft, I got 75% in the end.

Made me laugh though, this poor guy at the claims department was really flustered and while attempting to justify the 25% pay out, reckon he gave me 75% to make me go away

Good luck with the cliam, do get a letter from someone that says the gear was immaculate, try to get a letter from the shop you bought it from too if you dont have the receipts.

Did you find the culprityet?

[caseye]

True story. Many years ago I was the victim of a knicker knicker. This low life used to go around the neighbourhood flogging female smalls off clothes lines. It took a little while before I actually noticed as this person was selective and only took the "nice" stuff if you get my drift. Also on the knicking list was any togs or excercise type clothing and the odd skirt. When I did a reccy of my smalls I had lost a considerable amount of really lovely stuff. Report to the cops, yes they have had other complaints Arggghhh! Anyway, make an insurance claim, have a replacement policy so should have been sweet.

But sadly no, depreciation had to be taken into account. I was offered 25% of the cost to replace my lovely stuff. I contacted them and asked the question, how do you work out depreciation on undies, is it per wear? or wash? or stain? No just we only pay 25% on undies. I managed to convince them that these undies were of the special occassion vaiety and were in as new condition at the time of theft, I got 75% in the end.

Made me laugh though, this poor guy at the claims department was really flustered and while attempting to justify the 25% pay out, reckon he gave me 75% to make me go away
Good luck with the cliam, do get a letter from someone that says the gear was immaculate, try to get a letter from the shop you bought it from too if you dont have the receipts.

Did you find the culprityet?

Not yet Mom, but I will!
LOL I can just imagine you not holding back on the poor bloke, but well done.
I've got the gear being priced up from the place I got it just a few short months ago.
Rick knows how well the gear was looked after and about the depreciation bizzo, so I'm expecting a hefty quote to replace.
AMI were preety good and did tell me about the depreciation angle.
Worth doing though this time, everything was damaged or destroyed and I don't give a shit about cost , when it's for my baby girl.
Swann still doing well, their assessor is away on a H O G run so they're sending someone from the office with a camera and to ask questions of the bike repairer.

[Ratti]

aha! so that answers my question about how it happend. Ok, To answer your query about me fixing WIfes gear, short answer is NO. If the cordura has been ripped in an impact area, then you must replace the garment. Sorry, but was worth asking. Maybe keep the ripped ones to use as patches for non impact area rips. Same with leather jacket. I usually pull apart old garments and save zips, armour and bits of the fabric that have not been stressed. but then I am a dreadful packrat.

[ckai]

Just recently went through this. Accident happened in November, claim made on day, got money from insurance last month. After talking to heaps of different people the person the finally sorted it out was the original person who took the claim. Funny that!

My leathers were about 3 months old and I had worn them maybe 4 times. Gloves were the same and could have sold everything for new. Helmet was older but got quote from the bike shop. The took off 10% for all the gear (bike shop told them it was in new condition) and helmet was just the replacement value. It didn't matter how old the helmet was - it's full replacement value. That was good to know.

The chick that sorted it was pretty good. They didn't have any figures for depreciation so she just said "does 10% sound alright?", not really but you're going to anyway so sweet. She told us cycling gloves get depreciated at 50% after 3 months! So they're saying they only last 6 months! Harsh.

Good to hear you're getting it sorted Caseye. Really keep on top of them though. Hopefully you'll get it pushed through quickly.