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Offline desert dueler

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you insure your bike, but do you insure your gear...
« on: May 13, 2011, 10:01:25 am »
like all of you i have insurance on my boney, but not on any of my gear. I just bought the new Shoei Hornet helmet (from england, paid 3800 ronts compared to 8500 ronts in Cape Town), so this got me a thinking. if i have an accident i will probably have to throw away mt helmet and leatt brace and get new ones. this could easily set me back approx 10k to 12k, if i buy it all locally.

i insure my surfboards with dial direct and they paid out with in 24hr after i sent in a claim for my board, and when i added a new board, and a few other things my premiums only went up by 10 or 20 ronts or so.

do any of you insure your bike gear?
 

Offline RobC

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Re: you insure your bike, but do you insure your gear...
« Reply #1 on: May 13, 2011, 10:06:11 am »
My gear is covered under my household insurance, with my PC's and cameras, cat's bowls etc. :mwink:
 

Offline domstes

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Re: you insure your bike, but do you insure your gear...
« Reply #2 on: May 13, 2011, 10:07:58 am »
My gear is covered under my household insurance, with my PC's and cameras, cat's bowls etc. :mwink:
+1 the cheapest option.
 

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Re: you insure your bike, but do you insure your gear...
« Reply #3 on: May 13, 2011, 10:12:40 am »
Don't tell them about the safari suit - they will load the payments...

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Offline Destrier

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Re: you insure your bike, but do you insure your gear...
« Reply #4 on: May 13, 2011, 10:13:44 am »
ditto - my gear is on household insurance too
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Re: you insure your bike, but do you insure your gear...
« Reply #5 on: May 13, 2011, 10:13:52 am »
I insure all my gear: Jacket, pants, boots, Helmet, Neck brace.

But like I've said in a previous post, I fall often...

Offline RobC

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Re: you insure your bike, but do you insure your gear...
« Reply #6 on: May 13, 2011, 10:15:25 am »
Don't tell them about the safari suit - they will load the payments...
:imaposer: I shredded my last one in my 1980 prang... :mwink:
 

Offline desert dueler

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Re: you insure your bike, but do you insure your gear...
« Reply #7 on: May 13, 2011, 10:34:47 am »
Don't tell them about the safari suit - they will load the payments...

hang on, now...hang on! the safari suit WILL get me a discount! and it makes my claims process quicker, you shoudl see the tannies at Dial Direct getting all excited and moi$t
 

Offline Dusty Rusty

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Re: you insure your bike, but do you insure your gear...
« Reply #8 on: May 13, 2011, 10:36:29 am »
Ja.  Outsurance het 'n  "Out and About" pakket.  Het alles verseker, van boots tot gloves.   Baie billik ook.  Ek is amper seker jy sal tot jou tent kan verseker
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Offline Moereloos

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Re: you insure your bike, but do you insure your gear...
« Reply #9 on: May 13, 2011, 11:55:58 am »
My gear is covered under my household insurance, with my PC's and cameras, cat's bowls etc. :mwink:
Mine is specified under 'all risks'
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Offline Adventurer

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Re: you insure your bike, but do you insure your gear...
« Reply #10 on: May 13, 2011, 12:15:21 pm »
My kit is under 'all risks' too, lets see what happens with my current claim.
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Offline laurika

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Re: you insure your bike, but do you insure your gear...
« Reply #11 on: May 13, 2011, 12:18:03 pm »
my kit is spesified and insured separately to the bike. Helmet, neckbrace, boots and jacket. if not they will not pay.....Santam
already claimed for one helmet without issues
« Last Edit: May 13, 2011, 12:20:28 pm by laurika »

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Offline cone

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Re: you insure your bike, but do you insure your gear...
« Reply #12 on: May 13, 2011, 12:25:22 pm »
You have to specify your riding gear for full cover but clear it with your broker first because most all risk policies exclude "whilst in use"
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Offline Chairman Meow

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Re: you insure your bike, but do you insure your gear...
« Reply #13 on: May 13, 2011, 03:18:03 pm »
if i have an accident i will probably have to throw away mt helmet and leatt brace and get new ones.

 :o, if you're in a accident that leaves your brace unusable, surely you'll be too  ???

.........thus no more premiums  ;D
« Last Edit: May 13, 2011, 03:18:42 pm by Chairman Meow »
 

Offline King Louis

Re: you insure your bike, but do you insure your gear...
« Reply #14 on: May 15, 2011, 05:43:24 pm »
Helmut, twatsuit and GPS also under specified items.....