A lesson on braking

[Mikkel]

Thanks guys.
All things considered it was still a pleasant day at the trackside watching the other guys having a go at it. Sun was out and it was nice and warm!

They probably won't pay out.

It's not a matter of whether they're against rider training, per se, it's simply the fact that they offered a policy with cover and premiums that didn't take into account any risks involved in rider training activities.

Something can be entirely laudable and safe, but if you don't actually contract with your insurer to cover incidents during that activity, an after-the-fact appeal to them for some money when something goes wrong during it doesn't make a lot of sense.

Anyway, you're now aware of the value of trackday insurance cover! Time to call Kiwibike and see what they can do for you.

I realise that, but I'm not too bothered. It's only cosmetics and aches - a small price to pay for a valuable lesson. I'll have a chat to the insurance company today and then I'll start considering my options.

You say Kiwibike, I've also heard Vero - and they'll actually subtract the cost of the training course ($195) from my premium if I show them my receipt and certificate. So let's see

[SDU]

Glad you weren't too beaten up & will be ready to get back in the saddle in no time.

[tone_crafter]

Man I did worse damage to the fairings of my ZXR250A when I binned it at about 20km/h Main damage was on the top fairing. Put a huge crack above the indicator when it broke out (even though the indicator is only held in by rubber).

Let me know how much it costs to fix if you do as I still havn't got around to fixing mine.

[Mikkel]

Thanks SDU.
tone_crafter - you can see what I'm being quoted below.

State insurance ROCKS!

They accepted to cover the bike for the training day! I have a $400 excess so will have to consider whether to claim or not.

Furthermore I got a quote for my newish zx7rr and can get comprehensive cover for ~$240 per year!

Anyway, I've filed a claim on my riding gear and they should get back to me in a couple of days. My excess on contents is $150 so that will be money well spent seeing as they are most likely going to replace my leathers, helmet, gloves and some bits on the boots that got scratched a bit.

Had a chat to the Bumper repair guys on Hawdon street and handed over my front fairings and muffler. They'll do a quote for me, but they said to expect ~$700 to restore the fairings to immaculate condition... For comparison I can say that getting a *new* right front fairing is ~$800 - and that is IF they can actually get hold of one (not likely). So I'm likely not to use the insurance option since it'll make my premiums go up.

All in all I'm a very happy man right now And all of this activity running around town has kinda made me forget the stiffness and the soreness

[discotex]

Furthermore I got a quote for my newish zx7rr and can get comprehensive cover for ~$240 per year!

That's a 1/3 of normal quotes (unless your ZX-7R is worth like $3000 or something). Might pay to double check.

[Mikkel]

That's a 1/3 of normal quotes (unless your ZX-7R is worth like $3000 or something). Might pay to double check.

Nah, that is an agree value of $6,000. I bought it at $5,700 and may well spend a number of dollars on it to make sure it's good to go!

[discotex]

Nah, that is an agree value of $6,000. I bought it at $5,700 and may well spend a number of dollars on it to make sure it's good to go!

Ahh yeah and being in Chch that should help. Probably a fair quote in that case. Worth a call to Kiwibike tho. They may well beat it.

[Mikkel]

Ahh yeah and being in Chch that should help. Probably a fair quote in that case. Worth a call to Kiwibike tho. They may well beat it.

I'll have a look at that...


Anyway, spent some time in the garage being creative. Seeing as it may take up to 3 weeks before my fairings have been repaired I've been working on an alternative way of mounting the front indicators. I'm tempted to thing that the kawasaki engineers actually took this situation into account while designing the bike. All the bits and pieces (except two screws and a pair a of rubber washers) were there to do a fairly robust and sensible mounting of the indicators in the absence of the fairings. So I guess I might be back on my bike from thursday onwards...

[YellowDog]

Thanks guys.
All things considered it was still a pleasant day at the trackside watching the other guys having a go at it. Sun was out and it was nice and warm!



I realise that, but I'm not too bothered. It's only cosmetics and aches - a small price to pay for a valuable lesson. I'll have a chat to the insurance company today and then I'll start considering my options.

You say Kiwibike, I've also heard Vero - and they'll actually subtract the cost of the training course ($195) from my premium if I show them my receipt and certificate. So let's see

Your very situation is one that 'white lies' were designed to assit. You were not racing on a track. You were looking to improve your riding skills and hence reduce the risk for the insurance company.

BUT you have just gone and proved you were absolutely right to be honest and up front with them. Well done.

[Mikkel]

Your very situation is one that 'white lies' were designed to assit. You were not racing on a track. You were looking to improve your riding skills and hence reduce the risk for the insurance company.

White lies are still lies. I think you'd find a conviction for fraud would gather some interest from prospective employers and immigration services around the world. Oh, and getting insurance is harder when you have tried robbing them blind before - or so I've been told at least.

But those are minor issues. Dunno about other people, but I just generally don't feel good about myself if I start going down that road...

BUT you have just gone and proved you were absolutely right to be honest and up front with them. Well done.

Indeed. I didn't expect them to cover me - but they did. Now I don't know if I'll claim on it... Karma works I think.

[EJK]

OUCH! That helmet pic is bad!

P.S. You'll still get a ZX-10R in the future right?

[YellowDog]

Yes, I would agree with you. 20 years ago, in your situation, I would have presented a case that would mean I would be covered and not risk letting the insurance company get out of it. Now I am happier telling the truth and facing the potential consequenses.

I know a lot of people (inclusding myself) who will not make an insurance claim for anything other than close to a total loss. Once you make a claim, you get caned for the next 5 years with heavier premiums.

I therefore always go for the maximum excess ($1,350 on my car), which reduces the premium considerably.