Mate,its time to change insurance companies,my gear is covered,even while I am racing,as I stipulated in the policy
Bastard By Choice
Mate,its time to change insurance companies,my gear is covered,even while I am racing,as I stipulated in the policy
"The road to Hell is really grippy with loads of run off & some wicked lefthanders"
Who You Calling a Pig
If you are working through a broker why are you ringing NZI direct? That is what he/she is getting paid to do.Originally Posted by liviy
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.
Last edited by Pumba; 2nd July 2007 at 15:10. Reason: as above
For the record Qkkid was in my bed, not the other way round
Deep in the heart...
Okay that's normal.
This should not be right, insurance should pay full replacement cost, mine does.
It does seem screwy, check out other insurers, my policy with AA is better than that, and others are better than mine.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
Bugger about the off mate, glad you are basically ok, keep your head up and soldier on.
"If you can't laugh at yourself, you're just not paying attention!"
"There is no limit to dumb."
"Resolve to live with all your might while you do live, and as you shall wish you had done ten thousand years hence."
Rest In Peace
Now I never ever thought about that!!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
We have to make 2 claims if the unfrotunate thing happens
1 for the bike and 1 for the gear
Now that sucks
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
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??
Who You Calling a Pig
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
The instructions are simple...
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
Do you realise how many holes there could be if people would just take the time to take the dirt out of them?
L-Plate Rider
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.
Yarrrrr
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!
Off the wagon
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!
Forum whore
You sound very bitter girl. Get it off your chest. We are all here for you.
Off the wagon
I have no chest left!! Course im bitter!
Forum whore
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.
Off the wagon
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.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.
L-Plate Rider
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
.
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).
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