Ouch! binned...

[Ms Piggy]

Oh no! Celtic!! Glad you are ok - I'm guessing you went to the hospital/doctors? Please tell me you did. It was so cold & really frosty this morning in Newtown even, so I guess it's bad all over.

Take care until you get better Cathy

[matthewt]

Hey, at least you did it in style, I spotted your kiwibiker shirt as soon as I started walking towards you !!

[riffer]

You can claim for your helmet and gear under house and contents insurance. They will pay out for everything sweet as.

Hi K14. Back at home now after getting my ankle checked out at the hospital. I have talked to my insurance broker and he says there is no way I can claim for anything on my house and contents insurance.

I have my house and contents with Vero. I also have the bike insured TPFT with them as well.

Anyone here have any experience claiming for bike gear on house and contents?

Not too happy about a stuffed helmet, gloves, jacket and watch if they are not claimable.

At least I only have a very sprained ankle and a corked thigh where the bike landed on it. And I got a free flight (if only for about 10 metres)

Sitting at home in front of a nice warm fire watching the Italian MotoGP on the telly now.

Keep that rubber side down fellas

[jrandom]

I have talked to my insurance broker and he says there is no way I can claim for anything on my house and contents insurance.

Can't comment on your Vero policy, of course, but I know that my AMI contents policy covers household goods up to $2K being transported. Your clothing (ie, the gear and helmet) should certainly count as 'household goods' if it's destroyed in an accident.

Of course, if the Vero contents policy doesn't have an 'in transit' clause, you're buggered. It'd be worth having a good read through the policy yourself, though, I reckon.

[Shawn]

Oh!! My god…why there is always some kinda bin every week!!...glad you are alright bro…I had to take a fellow biker back to his house 2 days ago when he came off coz Auckland city council decided to dig some holes in Greenland east RD…sorry to hear about your baby , hope she gets back on the road asap…coz we all know having no bike sucks big time….

Ohh, guttered. Hope you and your bike gets fixed soon.

You can claim for your helmet and gear under house and contents insurance. They will pay out for everything sweet as.

Hey K14 how easy to make house and contents insurance pay for your gears?...is it a hassle?...

[Shawn]

Can't comment on your Vero policy, of course, but I know that my AMI contents policy covers household goods up to $2K being transported. Your clothing (ie, the gear and helmet) should certainly count as 'household goods' if it's destroyed in an accident.

Of course, if the Vero contents policy doesn't have an 'in transit' clause, you're buggered. It'd be worth having a good read through the policy yourself, though, I reckon.

hey doesn’t the accident have to happen in/around your house to claim for it?..

[pete376403]

hey doesn’t the accident have to happen in/around your house to claim for it?..

M mate who lives in Lower Hutt and crashed (was crashed into) in Franz Joseph got his helmet and gear replaced under his H/H policy.

[dhunt]

At least I only have a very sprained ankle and a corked thigh where the bike landed on it.

That sounds painful, at least you didn't break anything. I hope it heals up quick. My leg (the non broken one) is still a bit saw 5 weeks after my offy.

And I got a free flight (if only for about 10 metres)

Do you remember this part. For me it happened so fast I didn't get a chance to take the scenery in

I've managed to claim a new helment+sunnies and got my gear polished up off the lady that hit me's insurance. You can't get anything for it on your bike insurance?

David

[matthewt]

Anyone here have any experience claiming for bike gear on house and contents?

I've claimed *ahem* once or twice in recent times for riding gear on my house and contents policy. Your policy needs a provision that it covers your posessions while away from your house (if that makes any sense). I'm with state and the last time I claimed I rang them up and claimed for helmet, jacket, kevlar jeans, boots and gloves. They took the details on the phone and within 10 minutes of starting the claim I was told the money would be in my account tomorrow (and it was). A few years ago I was knocked off by a dork that didn't give way at a roundabout and also claimed on my watch, in that case it just needed a new face (Seiko World Timer).

[Ghost Lemur]

hey doesn’t the accident have to happen in/around your house to claim for it?..

My gf's camera was stolen out of my car last year, and her mum didn't seem to have any problems getting the claim filled and a replacement camera. Was about $1500 worth iirc, even included a new bag and camera strap, etc.

[vifferman]

I've claimed *ahem* once or twice in recent times for riding gear on my house and contents policy.

That's OK if you've already lost your "No Claims Bonus" or have some ridiculously small excess, OR are making a biggish claim.
Like David, I had the opportunity to claim for damage to my gear when making a claim against the braindead mutant who trowelled my VFR, but I foolishly didn't claim my helmet as it was only scratched from lying on the road. Now I want to replace it, and can't afford to.
My expensive jacket repairs (it is now a strange mutant beast of part Cordura, part Kevlar, and part leather) were paid for by the previous fuckwit who didn't know what mirrors and indicators are for.

[k14]

Hi K14. Back at home now after getting my ankle checked out at the hospital. I have talked to my insurance broker and he says there is no way I can claim for anything on my house and contents insurance.

I have my house and contents with Vero. I also have the bike insured TPFT with them as well.

Anyone here have any experience claiming for bike gear on house and contents?

Not too happy about a stuffed helmet, gloves, jacket and watch if they are not claimable.

At least I only have a very sprained ankle and a corked thigh where the bike landed on it. And I got a free flight (if only for about 10 metres)

Sitting at home in front of a nice warm fire watching the Italian MotoGP on the telly now.

Keep that rubber side down fellas

You have to be joking. I had a bin last year and wrecked my jeans, shoes, gloves and shoei helmet.

I rang up my parents insurance company which my stuff is covered under and they paid out no worries. The company was NZI. I rang up one day and told them the value of the gloves, jeans, shoes and helmet. I had to get a quote from the bike shop for my helmet, which i faxxed to them, but the rest of the stuff the lady just took my word for. She even asked if my jacket was damaged and how much that was worth, but I didn't worry about it. They paid out the $1300 or so that it was worth like 3 days later, I couldn't believe it. They didn't have any worries, I told them that I crashed my bike and they didn't bat an eyelid.

I am pretty sure that you can claim for them. If you are in a car accident and your computer in the boot gets broken, then they will pay for that, this is basically the same principal. Get back to them about it.

[k14]

Ohh yeah forgot to say that my bike insurance also has provision for $1000 of gear damage.

Do you have bike insurance?

[Deano]

Not too happy about a stuffed helmet, gloves, jacket and watch if they are not claimable.

I recall a while back that ACC would replace damaged helmets, as they didn't want us continuing to wear something that might not be up to any further spills. Damaged helmets were sent by ACC to a crusher for complete deletion.

Could be worth hitting them up about your helmet and gear ? Fek, we pay enough in levies.

[k14]

Nah, that stopped happening a few years back. Think it got too expensive.