Insurance advice about tread depth

[Dragon]

And you wont have an insurance record. (And under 25 ??) But unless you have enough funds to pay the excess should you bin .. you may have the bike put in for repair. But until that excess is paid ... it probably WONT be released back to you.

Even if you HAVE the funds ... but can't afford to "miss" $1000 .. flag the track day.

The worst that can happen ... may ...

And adhere to THEIR conditions if you do it.

The 1k isnt an issue to pay so im not overly worried

bike is insured for 3k and gear is covered at 2.5k so means ive got 5.5k worth of cover or 4.5k after I shell out for the excess

Chances are I come off and it would get written off

[R650R]

Is your riding gear new? In my experience they ask to see when you bought it and depreciate its value at their rates. Your protective gear is regarded as an item that degrades over time, bit like business insurance and laptops older than two years...

As for the aftermarket fairings, probably down to being able to get replacements etc. If they insured your bike with aftermarket ones and those parts became unavailable a simple claim could turn into a 'unrepairable' as like for like parts not available which would be write off on their books. Don't forget you'd likely be running your original tank and none of them are cheap these days...

[Dragon]

Is your riding gear new? In my experience they ask to see when you bought it and depreciate its value at their rates. Your protective gear is regarded as an item that degrades over time, bit like business insurance and laptops older than two years...

As for the aftermarket fairings, probably down to being able to get replacements etc. If they insured your bike with aftermarket ones and those parts became unavailable a simple claim could turn into a 'unrepairable' as like for like parts not available which would be write off on their books. Don't forget you'd likely be running your original tank and none of them are cheap these days...

Gear is covered under replacement value

And yeah I brought my gear recently had it arrive on the 15/1/13

If I come off the gear gets replaced with what I currently have so ill get new qmoto gear brought, new shoei xr1100 and then boots will be at whatever is left over

Helmet 699rrp
Jacket 549rrp
Pants 469rrp
Gloves 189rrp

Total 1906 so gives me 594 left over my boots are about $300 so I should be sweet as

[Filterer]

He is the one that suggested I obtain an independent report to give a bit of weight to my case.

Yes, this!

A friend at work binned on the road with tread depth somewhere just below WOF standard - insurance was decliend - however as referenced elsewhere in the thread the insurance reform act means that they can only decline based on contributing factors, not arbitary clauses in the contract.

His tyre was assessed by an independant assesor and was found to have enough grip on the given surface and day to be considered 'normal' and not a contributing factor - was paid out fully.

[schrodingers cat]

It is a well known fact that I am not very clever.
I am really struggling to understand people who use race track and insurance in the same paragraph.

In my world, when you drive/ride through the gates you are dicing with WHEN not IF.
Can't afford to pay - don't play.

[DEATH_INC.]

So, have they actually declined your claim? Or is it still in the investigation process?
No tyre manufacturer will support using a worn tyre, so I wouldn't even bother with that. Worn tyres are usually not grippy, even slicks loose grip with a bit of wear on 'em.
Just wait to see what they come back to you with (if they haven't already)
At the end of the day, you did break their rules (and they are very specific about this one) so you may just have to suck it up.
And when you get going again, don't use a shot tyre again eh?

[DEATH_INC.]

It is a well known fact that I am not very clever.
I am really struggling to understand people who use race track and insurance in the same paragraph.

In my world, when you drive/ride through the gates you are dicing with WHEN not IF.
Can't afford to pay - don't play.

It's called 'rider training' basically. Hence the no timing, fairings or slicks rule.

[Howie]

Hey all,

In a bit of strife with an insurance claim of mine.

Managed to lay my bike down mid-way through a tight turn

So which end let go front or back?

[nakedsv]

So did you actually have plenty of tread before you started on the track? I'm assuming here you gave your bike a very thorough check over before taking it to the track and pushing its limits?

[schrodingers cat]

It's called 'rider training' basically. Hence the no timing, fairings or slicks rule.

Oh I know the rule (loophole) but really...

[Dave-]

What were your tyre pressures?

Was it a stinking hot day?

Just out of curiosity more than anything, I think you're probably screwed by paperwork sorry dude.

[Zrex]

Couple of things about tyres not mentioned yet guys. Once you 'square off' a tyre, you do not have the same contact patch on the edge anymore and the bike will tend to tip into the corner and wander on the line. For track use, more important than tread depth are 'heat cycles'. I get 4 trackdays on a set of BT016's, after that even though the tread looks fine, I'm lucky if they still have 30% of the grip they started with.

You brought old worn tyres on a powerful motorcycle to a race track. And turn 3 at HD is a hard left over the crest of a hill where the bike becomes unweighted. They simply didnt have the grip left in them that you demanded from them.

[macka77]

Yes I am dealing with Dave but dont get me wrong, he has been nothing but awesome and very easy to deal with. He is the one that suggested I obtain an independent report to give a bit of weight to my case.

Independent assessor from Star checked it out and picked up on the tire now its up to me to prove him wrong...

I am simply wanting to get opinions and advice. I am no insurance sage and really not sure if I have a case or not. From a bit of reading it seems 50/50 as I do not believe the low tread in the centre contributed to my accident. I am not saying I have been cheated out of any payment or that the accident wasnt my fault.

Kiwibike simply up my excess a bit for track cover. I transfered from Golightly as they didnt offer track cover

well its a simple case then is the bike of warrant standard? as it is less crash damage if yes the ball is in your favour if no the ball is not

[pritch]

But the "Up to WoF Standard" clause is common with some insurance companies.

I seem to recall track day organisers stipulating that as well.

Definitely recall seeing advice that you use good tyres on the track.

[FJRider]

I seem to recall track day organisers stipulating that as well.

Definitely recall seeing advice that you use good tyres on the track.

When you are pushing your own personal boundaries on a track day .... (even without speed being a factor) GOOD tyres should be fitted. Money spent on them could save the cost of the excess ... ($1000 excess Vs $300 tyre ... no contest)

I recall the OP mentioning the organisers did stipulate tyres to WoF standard, and he stated he did have on the form.