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 Thoughts on insurance

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5 posters
AuthorMessage
Crustycrutch
Scooter Rider
Scooter Rider


Number of posts : 76
Age : 61
Location : UK
Points : 2191
Registration date : 2016-01-07

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PostSubject: Thoughts on insurance   Thoughts on insurance I_icon_minitimeSun Feb 07, 2016 6:49 am

Being down with man-flu and somewhat bored, I decided to read through my insurance policy in detail (yep, that bored) and found it quite amusing.

It seems to me that the insurance company has covered just about angle if it needs to wriggle out of paying. It seems my topbox and its contents are not covered at all being 'not a permanent part of the bike'? Ditto my sat nav or anything in the panniers/underseat storage? If I use a ferry/train/plane(?) and the bike isn't secured properly (written evidence required) then I'm stuffed. If a member of my family or someone who normally lives with me borrows the bike and its crashed/nicked then I'm stuffed again. Oh, and if the bike is damaged or destroyed by anything terrorism related then no joy. I have visions of a marauding terrorist nicking my scoot to go on the rampage - imagine writing that on the claim form!

I been with the same insurer for years and they've always been pretty reasonable price wise. I've never made a claim in 40 years of riding and I'm not really concerned about much of this stuff but it sure does make you wonder :-)
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Kenjj50
Super Scooter Rider
Super Scooter Rider


Number of posts : 220
Age : 71
Location : Naperville, Illinois
Points : 2425
Registration date : 2015-09-28

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PostSubject: Re: Thoughts on insurance   Thoughts on insurance I_icon_minitimeSun Feb 07, 2016 9:31 am

Like the old adage "Insurance companies are in the business of collecting premiums NOT paying claims"!
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vmaximus
Maxi-Scooter Rider
Maxi-Scooter Rider


Number of posts : 125
Age : 68
Location : Kirkby in ashfield Nottinghamshire England
Points : 3973
Registration date : 2011-04-15

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PostSubject: Re: Thoughts on insurance   Thoughts on insurance I_icon_minitimeSun Feb 07, 2016 11:34 am

You naughty boy Crusty, been riding 40yrs and never made a claim, you are only a whippersnapper at 50 years yourself, you must have been 10 yrs old when you first started riding I bet it was hard to get insurance then.
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Crustycrutch
Scooter Rider
Scooter Rider


Number of posts : 76
Age : 61
Location : UK
Points : 2191
Registration date : 2016-01-07

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PostSubject: Re: Thoughts on insurance   Thoughts on insurance I_icon_minitimeSun Feb 07, 2016 12:11 pm

Oops profile date wrong! Suddenly felt five years younger :-)
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"Hi Yo"
Silver Wing Guru
Silver Wing Guru
Thoughts on insurance 510-80

Number of posts : 2944
Age : 72
Location : Winnsboro, Texas, U.S.A.
Points : 7410
Registration date : 2010-02-17

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PostSubject: Re: Thoughts on insurance   Thoughts on insurance I_icon_minitimeSun Feb 07, 2016 4:18 pm

Crustycrutch wrote:
Oops profile date wrong! Suddenly felt five years younger :-)


Falsification of personal information may cancel coverage. :lol!:
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cotetoi
Silver Wing Expert
Silver Wing Expert


Number of posts : 754
Location : New Brunswick, Canada
Points : 3901
Registration date : 2013-06-27

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PostSubject: Re: Thoughts on insurance   Thoughts on insurance I_icon_minitimeMon Feb 08, 2016 10:51 am

Insurance against all perils !!! Just try to collect, suckerrrrr!
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