Insurance advice about tread depth

[p.dath]

I am with the same insurer, and I just checked my acceptance, and it has these words on it:
"Bike must remain at WOF standard"
I queried the insurer about this, and they re-affirmed this.

As a result, I no longer remove mirrors or other bits from my bike wen on the track - because it would no longer remain at WOF standard.

[el_scor_cho]

No, the paving has nothing to do with it, only you going in too hot is at fault; your could have always gone around there at a speed suitable for the conditions.

Beside the point, im not arguing it wasnt my fault.

States exactly that "Bike must remain in WOF standard"
Which I neglectfully took to mean no removing lights, indicators, replacing with slicks etc

[Fast Eddie]

That corner is a bastard..

blame the corner all the way.

[imdying]

Why mention it then?

[rossirep]

i highsided a bike a couple years ago due to my tyre being stuffed and bald on the road, thought i might have the same problem as you but they never said a thing about it, and at the end of the day my tyre was ok when i left home but 200ks later on a stinking hot day blasting round the hills finished it off, and thats what id be saying to them if i was you. so long as your bike had a wof at the time ya dropped it ya should be ok, they just tryin to get out of giving you ya money.. fight the mother fuckers.. thats what i would be doing.

[Ocean1]

No, the paving has nothing to do with it, only you going in too hot is at fault; your could have always gone around there at a speed suitable for the conditions.

How is he supposed to know what speed's suitable for the conditions?

I've needed to exceed suitable speeds numerous times to in order to learn about what that means wrt different bikes and conditions, and it took a power of financial pain and not a little blood to learn what little I eventually did.

Personally, I tend to fuck about around 75% of “suitable corner speed” on my road bike. If I ever wanted to know more about limits I’d probably do so on a cheap uninsured machine rather than my pride and joy. But the fact remains it'd be a fucking clever bastard that knows right where the limit is without ever reaching it. Good on him for at least doing that in the right place.

[imdying]

How is he supposed to know what speed's suitable for the conditions?

If somebody can't figure that out, they have no place on a motorcycle.... I'll give you a hint though, it's probably slower than 'your' (his/my/somebodies) ego thinks. As far as far as figuring out the ultimate limit goes, the track is definitely the right place, but the track isn't magical and so still need to pay attention to the condition of your machine, arguably more so.

[FJRider]

I really hope you stop posting soon.

I'm glad you don't speak with a lisp ... then none of YOUR posts would make sense ... perhaps you remain silent first.

[nodrog:Me]

This thread is full of retardation.

"I fell off on a racetrack, I fell off on the coro loop, I fell off lanesplitting, my insurance company hates me, hear me whinge"

Fucksakes, you aucklanders need some better work stories.

[FJRider]

I think you would need a statement from your tyre manufacture stating it was safe and didn't contribute to your off

It really doesn't matter if it didn't contribute to the off .. the conditions of the policy were clear and full understood by the OP. By his own admission ... he ignored it.

The bite marks on his ass are of his own making.

A reasonable discussion with the insurance rep is needed. If that doesn't work ... find (future) insurance elsewhere ...

[Marmoot]

Star Insurance through Kiwibike, is it?
Damn, I'm on Kiwibike as well.

Never had any problems with claims when I was with National Auto Club. I'd better switch off my Kiwibike as well then.
The premium has consistently gone significantly up as well since I joined (from $800 to $1200 (yes wtf) to $1300) despite bike depreciation.

Dave from Kiwibike, tell me this is not right?

[FJRider]

This thread is full of retardation.

"I fell off on a racetrack, I fell off on the coro loop, I fell off lanesplitting, my insurance company hates me, hear me whinge"

Fucksakes, you aucklanders need some better work stories.

These threads are almost as big a laugh as the "I got a speeding ticket .. how do I get off it" threads ...

[FJRider]

How is he supposed to know what speed's suitable for the conditions?

Any speed a corner is taken at/attempted at ... is irrelevant it it is without an incident resulting in an off.

If more riders on such track days ... were more aware of the conditions of their insurance. And well aware what their excess is before they start. If they then are prepared to take the risk of paying that excess ... should it be necessary .... that is their informed choice.

But no track day is safe from ALL risk.

[jellywrestler]

Not sure if this carries any weight but the Insurance Law Reform Act states that if a defect is found to not have caused the accident, then a claim cannot be denied on such grounds. I realise the tyre is low and not woffable however the low tread is only in the very centre and played no part in loosing traction mid-turn as far as im aware. Guess the onus lies on me to prove this, herein lies the problem...

so if you're so clever at all this how come you weren't clever enough to apply all of this to your riding and not crash?

you signed the terms of your insurance and breached them, can't see it any other way really

[jellywrestler]

and at the end of the day my tyre was ok when i left home but 200ks later on a stinking hot day blasting round the hills finished it off, and thats what id be saying to them if i was you.

that's like having one beer and driving happily and safely drinking more while driving then being surprised at being pulled up drunk driving, i wonder if that's hold up in a court of law???

just cause you have a warrant and the front end starts clunking or similar doesn't mean it's still warrantable does it!!!