Claiming for kit

[RealNinja]

Hey Peeps,

As some fo you will already know, I was broadsided by a car on the 29th Jan, resulting in dead bike, and various injuries.

While all the accident stuff is under control (recovery, injuries lawer, repairs, loss of earnings etc etc) I have been asked to provide quotes for replacement gear that I have lost the use of.

Obviously, this means my helmet, which was damaged, and my boots - also damaged.

However the boots I had on at the time were my old Alpinestars Supertech boots, the (as then) top of the range zip up the back, boot inside boot type. My dilemma is that AStars dont make these boots anymore, they make the Supertech R's, which are about £100 dearer than the ones that were damaged, and they make the SMX plus boots, which are about the same price as I paid for the Supertechs - so what do I quote for?

Obviously I would prefer to quote for the Supertechs, but the inflated price puts me off - would it be more likely that they would refuse the claim?

Helmet is no problem, Arai still make Quantum's, but not in the rep colours anymore, which is ok-ish, as I was wearing a Haga rep Quantum, but the only reps they make now are the RX7 RR things, which are £700 squids(!)

Thoughts people, and does anyone have any experience of these claims?
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You will become my force of retribution. Where you tread, doom will follow. Go now and claim your destiny

[LockyUK]

the loss adjusters would not refuse a claim, merely try to agree on a lower price if they do not see it as reasonable?

[J.M.]

No direct experience with this.

Personally I would write down the exact item you bought and state that it is no longer produced. Then list a replacement. The closest looking/matching boot they sell to the specification of the boot that you bought originally.

When a friend of mine's house got burgled several years ago, his laptop was one of the things that was stolen. He got a newer & better one because that was the one that replaced his laptop after it was discontinued
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2004 R1 & 2018 XSR900

[Wonko The Sane]

is it possible / a good idea to state that as the boots you had are no longer made, the closest for both specification and fit are these specific ones

and the same again for helmet.

[j.silvs]

In my accident claim I claimed for helmet, jacket, boots and gloves.

All without receipts and got the money stated.

You can claim for them

[Aff]

With mine, I just gave the solicitor all the receipts for everything damaged.

They then found equivalent items and priced them up.

They even included inflation.

Overall I think the final price they came up with was about 20% higher than what I originally paid for all the kit.
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Current Bikes:Honda 929RR Fireblade, Honda CD200 Benly (Project), Stomp Z2 140
Electric Bike Project

[covent.gardens]

I'd definitely state the boots you're claiming for aren't the ones you were wearing, but are the closest match of the same quality you could find as the old ones are discontinued.

It's a bit dodgy claiming for a more expensive pair than the ones you had on with no explanation - it looks a little fraudulent and they can refuse to pay anything if they think they've caught you on a false claim.

[MarJay]

Just tell them you had Supertechs, and the nearest equivalent is the Supertech R.

When my garage was broken into, I had an Aldi Powercraft 2.5hp compressor stolen. The only proof of ownership I had was a photograph, which I sent to the insurance company.

They replaced it with a top of the range 2.5hp compressor from a much better make. I wasn't going to argue!
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[T.C]

Provided you claim for a like for like replacement, then you will not have an issue.

However sometimes third party insurers do ask to inspect the kit being claimed for and depending on what they see try and get the price down to allow for wear and tear.

Does not always happen but can and does occur.

In respect of your helmet, they will not query this as they now realise that a helmet is designed for a one off impact, but if you were wearing a £50 hat but you try claiming for a £400 hat then that can and will cause potential problems.

So if it is like for like, you will not have an issue.

Also remember that if the dealer charges to provide an estimate (usually about £10) get a receipt as this can be claimed back as well.
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It is better to arrive 30 seconds late in this world, than 30 years early in the next

[RealNinja]

[T.C]

[Aff]

[Tuffers]

What would happen if the claim goes 50/50, i had a crash last year whilst i was wearing a £350 Dainese helmet, would i still get paid for my gear?
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Suzuki Bandit MK2 '02 - DRZ400s '02 - SV 650S '00 - Bandit 600 MK1 '98 - Honda NXR 125 Bros '04 - Yamaha YBR 125 '12 - Gilera RV 125 '88 - Reiju RS2 Matrix '07

[T.C]

[andyscooter]

i went into a local supplier and they provided me with written quotes for like for like stuff

luckily i knew the place well and they upped the prices a bit on the quote and did me a deal so i ended up with about 100 quid spare

they also told insurance my gear was a better quality then it really was

hence the 180 quid jacket ive had since the old one was about 100
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[Alpha-9]

If you've got receipts and/or a bank statement that shows the payment for them it should be acceptable evidence.

Claim for how much you paid for them.
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Fzr-600 1999

[Casper]

As well as jacket, lid and gloves i managed to get socks, jeans and a new watch in the claim. Also look into if they still let you claim for pain and suffering and that can be an extra few 100 quid. Loss of earings as well if you are off work.

[andyscooter]

i claimed for 4 weeks off work as i had a knackered shoulder and knee and my job involves lots of heavy lifting

also got 2 grand compinsation

i left it to the insurance to sort

wished i had gone further as my knee still aches

and it was the stupid git who drove into me's fault for not looking properly

and then tried to blame me

his front wheeltrim was stuck to my footpeg though and i had a recipt from the petrol staion i had just been to to prove him wrong
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[T.C]