Was looking into this the other day and thought about the actual value of the kit most of us wear e.g Shoei X Spirit 2 £600 Wolf kangaroo leathers £900 Supertech boots £300 Back protector £100 Rucksack £130 Gloves £130 Total £2160 to replace !! MCE cover upto £500 with option to upgrade to up to £1000 !!! So that's a bit low ? Has anyone found a better policy or had to claim before ?
I've never gone for it as if the accident is not my fault I should get the money via the other person involved. I've had 2 offs both not very big and only had minor damage to my gear, In my case not worth it much like yourself as it will only cover a small amount. worst case scenario for me BKS leathers £1900 lid: £300 gloves £150 boots £300 back protector £150 =£2800. I never took the cover just due to my leathers let alone the rest
When I had a prang in 2009 I claimed for my kit off the House Content insurance and they paid new for old on Lid, Boots, Textile Jacket and Leather trousers. Someone had told me that as I had accidental damage cover I should see if it was covered so I rang, got confirmation that they would pay out, did the claim over the phone there and then and had the cheque inside 48 hours. Just make sure you don't exceed the max item value for anything without declaring it.
It's a rip off mate, my brother tried to claim on his and was faced with loop hole after loop hole for them not too pay!
I tried that once with a helmet that was damaged when i fell over walking up some steps to my house, the home insurance sad that it was not covered under my accident policy due to it being motorcycle equipment, bike company said it was not covered because I had not been in an accident.. you cant win I did think like Remal said that if it was not your fault that the other party you can claim it off them ... if its your fault tough do do
I have claimed twice on my house insurance for leathers boots and helmet and they have paid out both times, no questions asked !!
House insurance is a company called Groupama... been with them for a number of years now and had my last claim with them I had a previous claim when I live up north, not sure who the insurance company was that time but they paid out without any problems too
