Author Topic: Insurance of Riding Gear (Read 620 times)

Beachbum · « **on:** January 30, 2007, 10:19:24 am »

Busy purchasing a new bike and am curious as to how many bikers insure their riding kit. Is it worth it, does the kit get damaged badly or is it normally wear and tear and a few bumps..

Im a noob on the site so please bear with me...

Slowly getting into this adventure biking thing, at the moment it got me by the balls and i havn't been on a ride yet..

LuckyStriker · « **Reply #1 on:** January 30, 2007, 11:11:50 am »

Quote from: "Beachbum"

Im a noob on the site so please bear with me...

You are indeed a n00b...
On this site it is generally considered good manners to say hello first before asking us to participate in your polls.

Welcome though
and enjoy the forum

Maverick · « **Reply #2 on:** January 30, 2007, 11:43:37 am »

Aloha beachbum

My kit is covered as part of my house contents and specified on there. If you have contents insurance phone them up and ask if they will cover it. My gear is currently worth as much as my bike and of someone steals any of my kit it will cost a fortune to replace again. Not sure if they will cover it for wear and tear although you could possibly get bike insurance that will do that.

Rule number one is your kit is part of the bike as this is what keeps you supposedly protected so personally would insure it.

Leo · « **Reply #3 on:** January 30, 2007, 12:18:56 pm »

Good kit, boots, pants, jacket & helmet are worth abour R20K. Insurance on this costs me less than R100 per month. Definately worth the effort.

Beachbum · « **Reply #4 on:** January 30, 2007, 12:25:30 pm »

Quote from: "LuckyStriker"

Quote from: "Beachbum"
Im a noob on the site so please bear with me...

You are indeed a n00b...
On this site it is generally considered good manners to say hello first before asking us to participate in your polls.

Welcome though
and enjoy the forum

Respect...i've been browzing this forum for 5 months now, reading all the trips etc...only activated my account this week,,my appologies..

Intro forthcoming..

LuckyStriker · « **Reply #5 on:** January 30, 2007, 12:31:17 pm »

no problem. Glad you finally joined us

...and I did vote in your poll

I did not insure my ATGATT. The option was just too expensive so if I ever crash and damage my kit I'll just have to use my old leathers and superbike helmet until I have the means to buy new stuff

Lito · « **Reply #6 on:** January 30, 2007, 12:36:20 pm »

I recently read something like this BeachBum - and glad you started the poll - indeed its a subject I havent seen covered in this forum before, and I have been here from the start.

My mate insures all his BM kit for something like R60 a month, which is outstanding considering the ridiculous cost of the stuff to replace.

even at R100 a month in a year - R1200 - that will buy you a half decent jacket. Over two years, and R2400, I can guarantee that you will fall off at least once.

A good fall, and your helmet is dinged, means replacement (according to the manuf.). An Arai is around R4K, and so in 3 yrs of insurance, your helmet will have cost the same to replace. Its good thinking imo.

KiLRoy · « **Reply #7 on:** January 30, 2007, 01:10:55 pm »

In the insurance business we call it re-insurance - insuring the insurance

Don't insure mine - got a limited life-span in any case... At home its part of my house cover - on a trip its worth the risk

H

Kev · « **Reply #8 on:** February 01, 2007, 04:15:05 am »

All my gear is insured as part of my fully comprehensive policy. It is a deal from my insurance company who just insures bikes.

chrisB · « **Reply #9 on:** February 01, 2007, 05:39:21 am »

Quote from: "Leo"

Good kit, boots, pants, jacket & helmet are worth abour R20K. Insurance on this costs me less than R100 per month. Definately worth the effort.

+1

Author Topic: Insurance of Riding Gear (Read 620 times)

Kev