Replacing helmet/jacket on home and contents insurance?

[YellowDog]

Mmmmm..............

I was told that my helmet and gear are considered as consumables.

Helmets should be changed every 2 years and gear, when it starts to wear thin.

Wasn't happy.

Didn't renew insurance with them

[p.dath]

I had them name it on my contents policy. However unlike the rest of the policy which is "replacement" value, the bike gear is only "market value", but at least I know exactly where I stand.

[Oakie]

Dunno. There's usually a clause something along the lines of the product not being covered if it was damaged while being used for it's intended purpose. Sort of like having a fishing rod ... if you back over it in the car it's covered, if it breaks while you're fighting a fish it's not covered. If I was the insurer I'd say "you bought the gear to protect you in a crash. You damaged it in a crash which so it was performing it's designed purpose which is what you wanted it to do so it's not covered". On the other hand ... if you tell the insurer you backed over it in the car...

[Swoop]

Well I tried searching because I know the topic has come up before, but I cant find the damn things!

Some time ago I suggested an "insurance" sub-forum here, as it affects the majority of riders in one way or another. Alas the mod's didn't see it worthy enough.

[EnzoYug]

Guys. This is simple. I've been there, done that, had the t-shirt replaced.

You had an accident. During this accident your clothing including a jacket used for motorcycling, and a helmet and pants and boots were all destoryed. They WILL be covered under home and contents unless you were partaking in, say (possibly) a track day or other sporting event.

The clothes are not "Sports Equipment" they are not subjected to wear and tear beyond your own physical movements. ASB, underwritten by IAG has stood by this for over 10 years. If someone tries to call 'bullshit' on your payout, argue and politely request to talk to the manger, managers manager, and so until until they recognize that you're burning more of their money on phone calls and emails than a payout would.

I would be surprised if it came to that however.

Keep it simple. A motorcycle accident destroyed your clothing. You want it replaced.

[dogsnbikes]

Well I tried searching because I know the topic has come up before, but I cant find the damn things!

I'm in the unfortunately position of having to replace my jacket and helmet after an off. I dont have the extension on my bike policy so I am going to use the house contents policy.

Any tips/tricks/arguments to use in this situation when dealing with the insurance company (AA)?

Anything words or phrases to specifically NOT use?

Depends on whom your with, My geasr is covered under contents insurance and helmets are full replacement as standard...riding gear is covered under clothing so will be market value,but saying that if you can prove that your gear was in better condition then there age chart indicates they will pay accorddingly in your favour well that has been my experience in the past....

Who am I with hmmm not sure really but is done through Psis but think IAG are the underwriters

[Devil]

Guys. This is simple. I've been there, done that, had the t-shirt replaced.

...............
The clothes are not "Sports Equipment" ....................

Keep it simple. A motorcycle accident destroyed your clothing. You want it replaced.

The issue here is that the policy will replace new for old if it is sports equipment (ie. no depreciation having to be considered). Clothing however is 'Current value' ie, depreciation and wear and tear accounted for.

Might not be able to get away with the jacket as being sports equipment. It's about a year old and retails for $665, but in perfect condition (crash damage excepted). Surely you cant call a helmet 'clothing' however...

[Devil]

Ah well, claim lodged. Waiting for the guy with the barbed wire baseball bat to call me tomorrow and see how much he can shaft me.

[actungbaby]

Wheelstand, speeding, Valentino Rossi.

I would got to your freindly motorcycle shop and get a quote for the replacement value first. Then argue with your insurance company from there.

And I would be claiming it as sporting equipment not clothing.

my dad claimed on my poilcy for me on my behave i was young back then he even riped up good suit said was wearing it hehe that aside my helmet was damaged and jacket

and they paid out after saying about having to get helmet tested but even knew then testing you have to destroy in process

[Oscar]

my dad claimed on my poilcy for me on my behave i was young back then he even riped up good suit said was wearing it hehe that aside my helmet was damaged and jacket

and they paid out after saying about having to get helmet tested but even knew then testing you have to destroy in process

So you're admitting to insurance fraud?
On behalf of people whose premiums are increasing as the result of shit like this, may I be the first to say: "Fuck you very much".

[5150]

So you're admitting to insurance fraud?
On behalf of people whose premiums are increasing as the result of shit like this, may I be the first to say: "Fuck you very much".

+1

[St_Gabriel]

So you're admitting to insurance fraud?
On behalf of people whose premiums are increasing as the result of shit like this, may I be the first to say: "Fuck you very much".

+1 as well but shouldn't it be "fuck very much you"