Question about helmets post-crash

[XP@]

You can make a claim on your house insurance on helmet, gloves, jacket trousers and boots.

You may need a letter from a bike shop saying that the integrity of the safety gear may have been comprimised due to a crash and needs to be replaced.

If they start to quibble then tell them it's ok, they don't need to pay out, but can they write a letter accepting full liability for your death / serious injury resulting in the "used" safety gear, which they refused to replace, failing when "used" for a second time.

[Karlyg]

You can make a claim on your house insurance on helmet, gloves, jacket trousers and boots.

Do you have to have specifically mentioned your gear as being used outside the home? (I haven't)

[XP@]

Do you have to have specifically mentioned your gear as being used outside the home? (I haven't)

Ask them if you have "All risks" cover for your contents. For a biker it is well worth making sure you have this cover. When you are all suited up, you probably have a minimum of $800 to $1000 worth of gear, more likely getting up to $2000. All this can all be written off in even a minor tumble.

[Squeak the Rat]

I have heard of problems with insurance payouts for helmets. A friend didn't get a payout because his helmet was over 5 years old, and as per the manufacturers recommendations helmets should be replaced every 5 years.

Also heard stories of sliding scales for the same reason. eg, new helmet = replacement value, while a 3 year old helmet will only get half the replacement value. Any one had experience with this?

.

[WickedOne]

Get new lid mate, better safe than dead.

[XP@]

I have heard of problems with insurance payouts for helmets. A friend didn't get a payout because his helmet was over 5 years old, and as per the manufacturers recommendations helmets should be replaced every 5 years.

Also heard stories of sliding scales for the same reason. eg, new helmet = replacement value, while a 3 year old helmet will only get half the replacement value. Any one had experience with this?

.

Yup, I argued that until a helmet is used or past expiry then it is as-new.
They saw the light and replaced at current market value. On this occasion I had dropped the lid when parking my bike, so you don't even need to be wearing it!

But you should replace your lid before the manufacturers use by. Especially if you use it every day.

[Lou Girardin]

Replace it. Come into AMPS, there's a sale on and I'll do a sweet deal if I can.

[mstriumph]

..............................Would you rather have money, or a brain that works as it should?

- erm dunno.... is there a model answer for this??

[mstriumph]

.....

I would probably be a much better rider if I spend the time riding instead of browsing here.

Mods - this has GOT to be "quote of the day" ?????

[oldrider]

Common rule when buying new helmets: If you only have a $10:00 head, only buy a $10:00 helmet. End of story! John.

[Karlyg]

Replace it. Come into AMPS, there's a sale on and I'll do a sweet deal if I can.

Might take you up on that.

[vifferman]

Common rule when buying new helmets: If you only have a $10:00 head, only buy a $10:00 helmet. End of story! John.

Did you known that catchphrase was used by one of the helmet companies in the US (Bell, I think) to justify the cost of their helmets and get more people to buy them?

And as a matter of fact, I would value my head at less than $10! But I can't find a helmet for less than $10 that's comfortable and that doesn't allow me to get concussion when I land on my head like the last helmet did. At less than walking pace...

[Lou Girardin]

And as a matter of fact, I would value my head at less than $10! .

Are you sure about that? A lump of gravy beef costs more than that, and it can't even post humurous replies on KB.
Get a second opinion, phone Quotable Value NZ and ask for the head valuer.

[James Deuce]

****groan****

[Macktheknife]

It seems to have all been said BUT, just to add the emphasis,
GET A NEW ONE. I have seen what happens to 'used' ones, not pretty.helmets are much easier and cheaper to replace than head/brain. Brain injuries tend to last a long time too.