KTM 990 owners: A small disaster for me

**That looks like fun** · 17th November 2010, 14:06

Puffery

In the immortal words of Monty Python, "thats a good woody word"

Ok so lets pretend that when I claimed for my panniers on my RS (through State by the way) that they said, roger mate

No worries they are motorcycle accessories, no need to claim them under another Insurance Policy that you have with us, as opposed too, sorry but they are luggage and you will need to make a separate claim for them and pay an excess for that as well as the bike policy

And that when my bike fell over and landed on another uninsured bike (for which God was blamed by the way) that by "puffery" I managed to get things sorted as they should have been without the "Puffery"

(Although it certainly is a good woody word)
Now shall we focus on the word Goit

If a goit is a person who rolls over and plays dead every time something goes wrong, then lies there until the troubles are vaporised by the magic fairy wand of life then I guess I am not a Goit

Could you forward me a Goit application form please

**Oscar** · 17th November 2010, 14:27

Originally Posted by That looks like fun

Puffery

In the immortal words of Monty Python, "thats a good woody word"

Ok so lets pretend that when I claimed for my panniers on my RS (through State by the way) that they said, roger mate

No worries they are motorcycle accessories, no need to claim them under another Insurance Policy that you have with us, as opposed too, sorry but they are luggage and you will need to make a separate claim for them and pay an excess for that as well as the bike policy

And that when my bike fell over and landed on another uninsured bike (for which God was blamed by the way) that by "puffery" I managed to get things sorted as they should have been without the "Puffery"

(Although it certainly is a good woody word)
Now shall we focus on the word Goit

If a goit is a person who rolls over and plays dead every time something goes wrong, then lies there until the troubles are vaporised by the magic fairy wand of life then I guess I am not a Goit

Could you forward me a Goit application form please

You don't need an application, your ability shines through for all to see.
Was the claim paid under the bike insurance or your contents insurance?

**Digitdion** · 17th November 2010, 14:28

Originally Posted by Oscar

Don't bother - they are perfectly correct.
The box is a motorcycle accessory and your watch is personal effects. Their statement about paying for it if stolen from the garage is very generous.

The "rules" they were talking about is the policy.
The policy is your contract with them, so next time you might want to read it prior to needing it.

Perhaps I should get my lawyer to look at the "contract" before I sign anything. I think when you say they are generous is so over the top my friend.

**Oscar** · 17th November 2010, 14:36

Originally Posted by Digitdion

Perhaps I should get my lawyer to look at the "contract" before I sign anything. I think when you say they are generous is so over the top my friend.

It's not a "contract", it's a contract.
Your copy is called the policy, and yes, you should read it - it will outline what is covered and what isn't. In fact if you tell me which insurer, I'll get you a copy.

So why is what I'm saying over the top?

Most, if not all home contents insurance policies exclude (amongst other things) motorcycle accessories. So if you can make a case for your Givi Top Box not being a motorcycle accessory, go for your life.

If you can't make that case, then anything that the insurer pays you is a bonus.

**Digitdion** · 17th November 2010, 14:36

Oscar, don't have a go at me mate. I was just sharing my story.If the world we live in needs us to spent hours reading thru the fineprint before we do anything, Then this world sucks brother. Ami Knew all about me having a bike etc etc. I just was not going to pay a huge premium to insure my bike with them. Perhaps they could have mentioned all this then.

And the insurance company is AMI. I have talked to Classic cover who I have my bike policy with and even thou all this hu ha leaves me out of pocket at least Classic cover where bloody good about it all. And also Oscar, its not a givi top box. Please do not insult me.It was a far better and more expensive piece of kit. Perhaps you should practice what you preach and also read the fineprint. Oscar i am sick of talking to you now. I think I will go ride my bike!
Cheers!

**Oscar** · 17th November 2010, 14:50

Originally Posted by Digitdion

Oscar, don't have a go at me mate. I was just sharing my story.If the world we live in needs us to spent hours reading thru the fineprint before we do anything, Then this world sucks brother.

And the insurance company is AMI. I have talked to Classic cover who I have my bike policy with and even thou all this hu ha leaves me out of pocket at least Classic cover where bloody good about it all.

Who's having a go?
You said I was over the top when I said the insurer was generous.

I'm simply saying that if you buy a service like insurance you should perhaps read the policy before you make a claim. And for your information, industry regulation requires that domestic insurance be written in plain English, so there is no fine print.

If you would like a copy of the AMI policy, pm me your e-mail address.

**Oscar** · 17th November 2010, 14:53

Originally Posted by Digitdion

Oscar, don't have a go at me mate. I was just sharing my story.If the world we live in needs us to spent hours reading thru the fineprint before we do anything, Then this world sucks brother. Ami Knew all about me having a bike etc etc. I just was not going to pay a huge premium to insure my bike with them. Perhaps they could have mentioned all this then.

And the insurance company is AMI. I have talked to Classic cover who I have my bike policy with and even thou all this hu ha leaves me out of pocket at least Classic cover where bloody good about it all. And also Oscar, its not a givi top box. Please do not insult me.It was a far better and more expensive piece of kit. Perhaps you should practice what you preach and also read the fineprint. Oscar i am sick of talking to you now. I think I will go ride my bike!
Cheers!

Excuse me, I had no idea you were a top box snob

If that's you're idea of an insult, you're easily pleased

**That looks like fun** · 17th November 2010, 15:19

Originally Posted by Oscar

You don't need an application, your ability shines through for all to see.
Was the claim paid under the bike insurance or your contents insurance?

Claim for repairs to the bike were all under the bike policy, State were the ones who wouldn't (until after some puffery) include the Panniers in the claim as they asserted they were luggage and I would need to claim against my home and contents policy

Ok policies may have changed, also Digitdion is insured through AMI (am I writing this slow enough for you to understand? hows that for an insult?

I too can drag this down to a personal level but cant see a future in it

)
You seem to putting forward a belief that the Insurance Company is good and wholesome yet you also state you used to make a living out of keeping Insurers honest We could extrapolate the latter out to read "they are a bunch of crooks who only smile when you pay your premiums"

I don't pretend to have all the knowledge or answers, chances are that what the Insurance Company has told Digitdion is correct, a number of times what they have told me has been correct. I also know that sometimes by being a pain in their arses I have achieved small wins (God didn't fix my bike after he kicked it over State did, and they fixed the bike it landed on

)

**Oscar** · 17th November 2010, 15:40

Originally Posted by That looks like fun

Claim for repairs to the bike were all under the bike policy, State were the ones who wouldn't (until after some puffery) include the Panniers in the claim as they asserted they were luggage and I would need to claim against my home and contents policy

Ok policies may have changed, also Digitdion is insured through AMI (am I writing this slow enough for you to understand? hows that for an insult?

I too can drag this down to a personal level but cant see a future in it

)
You seem to putting forward a belief that the Insurance Company is good and wholesome yet you also state you used to make a living out of keeping Insurers honest We could extrapolate the latter out to read "they are a bunch of crooks who only smile when you pay your premiums"

I don't pretend to have all the knowledge or answers, chances are that what the Insurance Company has told Digitdion is correct, a number of times what they have told me has been correct. I also know that sometimes by being a pain in their arses I have achieved small wins (God didn't fix my bike after he kicked it over State did, and they fixed the bike it landed on

)

I may read slow, but I understand good.
You told him to claim on his house and contents, and if I understand your drivel correctly yours was paid under your bike policy (where it is covered).

Notwithstanding that, he is insured with AMI and they do not cover MC accessories (I sourced a copy of the policy on line if you'd like to see it) and you telling him to be the squeaky wheel will not change that.

I never said anything about good and wholesome and I have spent long hours trying to get the bastards to pay claims that they should, but equally I can accept when something isn't covered.