Helmet and Leather cover

[Wafer_Thin_Ham]

More intrigued on this one than anything.

Who has this as part of their insurance, and what gains does it offer?

As far as I can tell the policy only covers loss in the event of an accident.

So in a non-fault claim if you didn't have it, you'd claim from the third party anyway.

In a fully comp claim, if you didn't have it, you'd claim from your own insurance.

If you were TPFT, it'd be foolish to claim for new helmet and leathers if you have no bike to ride (They'd also have data on you stuffing it to further jack up your premiums).

Perhaps I'm jaded and cynical, but this to me seems like the legal cover extra that would appear to be a complete waste of money.
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My Flickr

[True Blue]

You can cover it all on your home contents insurance for next to nothing. You don't even have to specify your kit usually.
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Past >>>> Honda NSR 125 >>>> Suzuki GSXR 600 K1 >>>> Suzuki GSXR 600 K4 >>>>Kawasaki Z1000 DAF >>>>Suzuki RMZ 250 >>>> Current >>>> KTM Superduke R 1290 >>>>

[exuptoy]

Have it my policy with MCE, thrown in for free until you need it and they tell you it's level 1 up to £350 with £100 excess. Tossers told me someone should have phoned to offer me further cover after taking out my policy.

Crashed my GSXR1000 K3 and my grands worth of newish kit earned me £249.77!!! Cost me £20 to send it all in to get it paid out too.
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Chaos, panic, destruction....my work here is done

[Wafer_Thin_Ham]

[Wafer_Thin_Ham]

[True Blue]

Think I paid 50 quid excessamnd got paid put around a grand. Insurance company didn't want to see my kit and let me keep it. More importantly, my bike insurance knew nothing of an accident.
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Past >>>> Honda NSR 125 >>>> Suzuki GSXR 600 K1 >>>> Suzuki GSXR 600 K4 >>>>Kawasaki Z1000 DAF >>>>Suzuki RMZ 250 >>>> Current >>>> KTM Superduke R 1290 >>>>

[exuptoy]

[exuptoy]

[True Blue]

I've yet to hear someone recommend MCE
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Past >>>> Honda NSR 125 >>>> Suzuki GSXR 600 K1 >>>> Suzuki GSXR 600 K4 >>>>Kawasaki Z1000 DAF >>>>Suzuki RMZ 250 >>>> Current >>>> KTM Superduke R 1290 >>>>

[waffles]

Bennett's chuck edit in for free along with breakdown cover with RAC for me. Never tried to claim for anything though so I am not sure how effective it is or how much they will let me claim for.
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Theory test - 19/8/09, CBT - 11/10/09, MOD 1 - 16/8/10, MOD 2 - 27/10/10
Past rides Yamaha XT125X, Triumph TT600, Honda XR250
Current rides Suzuki GSXR 600, Honda MSX125

[Rogerborg]

[andys675]

thing is everyone who tries to claim was suddenly wearing an arai helmet, dainese leathers, gloves and alpinestars boots, the insurance companies used to ring us up as the couldn't believe a helmet could cost £500, plus £800 for a suit
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Some people feel the rain, others just get wet.

[Quornholio]

[The Tot]

[exuptoy]

[mentalboy]

[Wafer_Thin_Ham]

[chris-red]

My mate had a smash, helmet and leather cover refused to pay out unless he had receipts.
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[-Matt-]

I've had it included for free in the past - not sure to what extent. I haven't bothered with it since as my gears not all that expensive to justify the excess etc.