Insurance - claiming for riding gear.

[Winter]

Most of you know about my off.

The Ambo's cut off my pants, tee, jacket, and bag.

I suffered a massive blow to the head, so my helmet has to be turfed.

All up about $1200 to replace it all.

Donna from kiwibike has so far been execllent in dealing with the claim for my bike, but, alas my gear isn't on that policy.

My house and contents provider tells me it will cost me $450 for the excess and loss of no claims.

Considering I don't think I have receipts for this stuff it's going to be a big, expensive pain in the ass.

What can I do?


Crash wasn't my fault - should I ring the lady who hit me and ask her for $1200?

[Mole_C]

probably be just as hard to get it off her but wont cost as much. Give it a go

[vifferman]

Yeah, it's a tuff one. It's a pity that the motorcycle insurance policies don't include gear. I for one would be prepared to pay a bit more for that.

I've been pretty 'fortunate' in that in my various incidents, the only item to suffer damage each time was my jacket, and because the other party was at fault, repair of the jacket (or replacement, in the event it wasn't repairable) was added to the other party's costs.

Interestingly (or perhaps not), in all the times I've crashed (11? 12?), including hitting three cars, a bicycle and a pedestrian (but not all at the same time), I've only ever twice hit my helmet. The first time, the bike was almost at a standstill, and as I fell off it, my head briefly hit the road. The point of impact was right where the visor opening was, where there's not a lot of padding, and I was alarmed that I ended up with mild concussion for three days or so. There were no marks on the helmet (just on my brain).

The second time, I did a faceplant onto the footpath, and the top of my visor and the brow vent scraped gently on the concrete (rather than impacting it). The helmet itself was unmarked.

[dogsnbikes]

.

My house and contents provider tells me it will cost me $450 for the excess and loss of no claims.

that seems rather high for excess, All my riding gear is covered through my house and contents insurance and my excess is only $100......

I would be talking to the other party involved and once its sorted regardless take a good look at your home and contents policy and insurance provider

remember there is always the dispute tribunal if you have to go there to get your gear sorted

goodluck

[xwhatsit]

It makes sense, doesn't it, that if somebody hits you (whether you're on a motorcycle or in a car) that they should pay for the damage. Certainly they (or their insurance company) pays for damage to the car, but if I was carrying a surfboard on the roof of the car or a few grand worth of computers in the back and that got fecked, I'd expect to be compensated for that. Would I be? Gear is not like clothing -- it's expensive equipment -- so I'd want compensation for that, too.

[EJK]

It makes sense, doesn't it, that if somebody hits you (whether you're on a motorcycle or in a car) that they should pay for the damage. Certainly they (or their insurance company) pays for damage to the car, but if I was carrying a surfboard on the roof of the car or a few grand worth of computers in the back and that got fecked, I'd expect to be compensated for that. Would I be? Gear is not like clothing -- it's expensive equipment -- so I'd want compensation for that, too.

Same thinking here...

They should pay for the damage

How are you feeing now btw?

[Winter]

that seems rather high for excess, All my riding gear is covered through my house and contents insurance and my excess is only $100......

I would be talking to the other party involved and once its sorted regardless take a good look at your home and contents policy and insurance provider

remember there is always the dispute tribunal if you have to go there to get your gear sorted

goodluck

Excess was $250, the rest is what the loss of my 40% no claims bonus would cost me.

Same thinking here...

They should pay for the damage

How are you feeing now btw?

Pretty good, just the ribs giving me pain now. I want my arms out of casts!

[imdying]

Crash wasn't my fault - should I ring the lady who hit me and ask her for $1200?

Of course you could, and if she refuses, then off to the disputes tribunal you go

[The Stranger:Me]

Crash wasn't my fault - should I ring the lady who hit me and ask her for $1200?

Sure you should, why not? Surely, in principal it is no different than replacing or repairing other property of yours i.e. the bike.

[WRT]

If the accident wasn't your fault, then the other party is liable to pay for any damage done, including any "uninsured loss" such as your gear. They will try to palm it off and tell you that you have to claim through your contents insurance, but the reality is that you don't need to. You should be able to just tell your claim officer about the gear and hopefully they will follow up with the other insurance co on your behalf, however not all insurance companies will do this for you.

At any rate, you will probably lose some value as they will take depreciation into account when paying out, but they should still pay out if you are firm enough with them.

[Winter]

Thanks for all the sound advice posted guys.

I've rung my insurance company and know the costs. Thats one option.

There is disputes tribunal - I've been successful there in the past. Thats one option.

I'm going to give her a call shortly - I just rang and was told she would be back in 10 minutes.

Any advice on how this conversation should go?

Hi, I'm the guy you hit, can i have $1200?

or.

Hi, my names matt, I was on the motorbike when we met early November. I'm ringing to get the ball rolling with insurance and things, cuz i've just learnt how to hold a phone again.

[Quasievil]

Get your $450 and come see Uncle Quasi, I will sought you out with a full kit somehow mate

[Winter]

Get your $450 and come see Uncle Quasi, I will sought you out with a full kit somehow mate

Quasi mate, they cut the jacket I got from you. Somehow they didn't just want to take it off me, they cut it into confetti!

I'll be back down to see you soon as I'm out of plaster.

[Grahameeboy]

Thanks for all the sound advice posted guys.

I've rung my insurance company and know the costs. Thats one option.

There is disputes tribunal - I've been successful there in the past. Thats one option.

I'm going to give her a call shortly - I just rang and was told she would be back in 10 minutes.

Any advice on how this conversation should go?

Hi, I'm the guy you hit, can i have $1200?

or.

Hi, my names matt, I was on the motorbike when we met early November. I'm ringing to get the ball rolling with insurance and things, cuz i've just learnt how to hold a phone again.

If she is Insured then you claim under her policy but you are not entitled to full replacement, only Indemnity value i.e. value at time of accident.

If she is not insured she is only liable for Indemnity Settlement. This is all the DT will allow.

How much will your contents cover after deducting wear and tear. Is it $1200 or is that the cost to replace?

As far as your loss of bonus is concerned. If the lady is insured then your contents insurer's pay you under policy and recover from the lady's insurance, get all their money back which effectively cancels the claim i.e. nil cost and you should not get lose your bonus....your Insurer should have told you that which is bad on their part as it is a basic matter.

[Winter]

If she is Insured then you claim under her policy but you are not entitled to full replacement, only Indemnity value i.e. value at time of accident.

If she is not insured she is only liable for Indemnity Settlement. This is all the DT will allow.

How much will your contents cover after deducting wear and tear. Is it $1200 or is that the cost to replace?

As far as your loss of bonus is concerned. If the lady is insured then your contents insurer's pay you under policy and recover from the lady's insurance, get all their money back which effectively cancels the claim i.e. nil cost and you should not get lose your bonus....your Insurer should have told you that which is bad on their part as it is a basic matter.

My insurer will only pay after deducting wear and tear, which I can live with, was only 8months old.
They did mention it was possible for them to recover the costs, but I got the feeling it may or may not happen.

Still leaves me the problem of having no receipts. My insurer suggested I'd have to go to the shops and ask them to find the receipts.. yeah right!