L-Plate Rider
Hey guys,
I got taken out by some great driver on Wednesday night and it looks like my bike's a write off...insurance are going to sort that out but i went down and knocked my helmet n did some damage to my jacket but the insurance say they don't cover that stuff...
Someone mentioned that ACC might cover them as I was on my way home from work and they are classed as safety equipment, does anyone know any more about this? If it's true or rubbish?
Thanks
Bastard By Choice
Sorry to hear about your bike & the accident
ACC dont cover gear,havnt done for years
Your gear should be covered by your house & contents policy
"The road to Hell is really grippy with loads of run off & some wicked lefthanders"
Forum whore
Insurance paid out on my damaged gear last year via my contents insurance. No questions asked, no evidence required, just a quick phone call, a quote from a local shop, and the money was in my account within a week. Very smooth thankyou State.
Pasta farts
Well if it's their fault, they should be paying out on anything that was damaged. Helmet/gear included...
L-Plate Rider
Yeah, this has just been the icing on the cake...
It was their fault and the insurance said, yes we can cover from the house & contents BUT you have to pay excess, lose no claims AND because it's clothing it's only second hand value
So I'm pretty gutted about the whole thing, they are accepting my bike claim with no excess and loss of NCB but not this
But I thought if anyone would have prior knowledge of this stuff you guys would
Hardcore Biker
Bugger,bugger, bugger...that beautiful bike trashed. What a bastard.
............oh, by the way, you OK?
Might be time to get that Triple???
"Twilight's like soccer. They run around for two hours, nobody scores, and a billion fans insist you just don't understand"
Forum whore
What insurance company are you with? State valued mine at full retail minus 10%.
L-Plate Rider
Yeah, mild concussion and sore all over but nothing broken or seriously damaged so I'm putting that in the pro column...Originally Posted by trumpy
I'm 3 months off my Full so I have got either the daytona 675 or cbr 600rr in mind but not much use to me now as I used my bike everyday to get to work.
Just such a painful experience, at least I can say one good thing, insurance was a 5 min phone call, claim taken, they called Honda and the bike was picked up in under 2 hours from my home.
The instructions are simple...
Fault has been admitted by the cager? If so, everything is on him/her.
Otherwise, your bike and helmet should be covered under your bike policy.
If they say no to your helmet, since it is a legal requirement when riding then it should be considered a part of the bike.
The other gear is under contents....
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
NZI, maybe I'll have a chat with my broker
The instructions are simple...
This is bullshit. The claim is on the other party....No excess, loss of etc on your part at all.Yeah, this has just been the icing on the cake...
It was their fault and the insurance said, yes we can cover from the house & contents BUT you have to pay excess, lose no claims AND because it's clothing it's only second hand value
So I'm pretty gutted about the whole thing, they are accepting my bike claim with no excess and loss of NCB but not this
But I thought if anyone would have prior knowledge of this stuff you guys would
Edit...your insurer goes their insurer (or the other party personally) so technically the claim is not on your policy(s) since your insurer can recoup the loss
Do you realise how many holes there could be if people would just take the time to take the dirt out of them?
Come warm yourself by the fire
ACC dont cover.
Your home and contents should cover it, or if your a poor fella like me.....and someone else hit you....their insurance covers it
Reactor Online. Sensors Online. Weapons Online. All Systems Nominal.
L-Plate Rider
Yeah, I know...added insult to injury...
I figure I'll see what else you guys can suggest and then I'll call my broker (that I arranged my insurance through) in a couple of hours and take some of your comments & suggestions into the conversation with him...see if we can't get it sorted.
Rest In Peace
That is so not trueYeah, this has just been the icing on the cake...
It was their fault and the insurance said, yes we can cover from the house & contents BUT you have to pay excess, lose no claims AND because it's clothing it's only second hand value
Insurance companies always say that too
If you are involved in an accident (whether its on a bike or in a car etc) and the other party admits fault, or is found guilty to the accident, all you need to do is to get their details (name and address etc) and tell the insurance company this.
Then you wont need to pay the excess, and it wont affect your no claims bonus!!
Otherwise when the catch up with the "at fault" driver they recover the cost of the repair and the excess so they get it twice!!!
Sometimes to speed the process up, you should pay the excess but ask for reimbursement!
Some insurance companies do this automatically
Hope this helps
Scott
Dusty Butt 1000km - We knocked the bugger off what next?
L-Plate Rider
Ok, update...
My broker said it doesn't sound quite right either and gave me the name of someone to talk to at NZI but they were away on annual leave so spoke to someone else...
They said basically same thing as before but with a extra comment...
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 (which I would get back IF they managed to get it out of the other party)
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
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