Insurance

[InkedMuttley]

Long story short, I was with "Just Motorcycle Insurance" and found they was absolutely fucking rubbish, couldn't understand a word any of the fuckers said (my guess is I was routed to a call centre in Bangalore or somewhere) and their breakdown service is dire. Twice I'd needed to use them and twice I was waiting over 5 fucking hours to be picked up! So I fucked them off.

Now I've just got an all singing all dancing policy with Bennetts with RAC cover, riding other bikes, legal cover, helmet and leather cover etc etc etc...Lots of benefits for about half the price of what I was paying.

Now my question is, I've just made the biggest fuck up of my life and whilst getting my arse off the bike I've dropped my lid. It's not cracked but there is damage to it, now I don't believe in using a lid that's been damaged in any way whether it's visible or not, the question is would I be able to claim through insurance for it or am I gunna have to foot the bill myself?

I would replace it myself but it's not a cheap lid and I was made redundant a few weeks back so I need to cut back on everything where I can.

Cheers all!

[Bonnie Lad]

Buy a new helmet, I'd say the loss of NCB and elevated premiums due to a claim would exceed the cost to replace (unless you have something ridiculously high spec/price)

Also, if that's the biggest fuck up of your life you must lead a sheltered existence or be the luckiest mofo around

[Ste]

Dunno, have a look at the t&c for your policy.

I doubt it's cover because legal cover & bike and helmet cover are worthless.

Using a lid that's been dropped isn't the end of the world.

[Tracer1234]

[ZX-7R]

Way i see it is,if you can't handle a lid being dropped how will it stand up to you ploughing head first into a wall or something?.

Dropped lids many a time over the years and i ain't never worried about it.
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Current Bike - 2000 ZX-7R

[InkedMuttley]

Okay maybe it's not the biggest fuck up, but it's the biggest fuck up so far bikewise lol.

And it's not so much I daren't use it it's that I've had it drilled into me that if you drop your lid...REPLACE IT. If others are saying it's not the end of the world then I suppose that's good enough for me. I've not been riding a bike for long so it's more what I've been told that I'm going by. Seeing as everyone has more experience than me then it can't be all that bad.

Thanks everyone 😁

[M.C]

[ThatDippyTwat]

If you can see a flat spot or crack, it's fucked, bin it. If not, chuck it on and stop being a giant vagina.
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'98 VFR800 (touring) - '12 VFR800 Crosrunner (Commuting) - '01 KDX220 (Big Green Antisocial Machine)

[Rogerborg]

Do you want us to find a copy of your policy T&Cs and read them for you?

Sight unseen, I'll take a wild stab that there will be something like a £100 excess and they'll want to see some proof of purchase for the lid.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[trevoriv]

I've crashed my lid 3 times. None of my brain came out.
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Past: '96 Thundercat, '02 ZX636R (A1P), '58 KTM 690 SM LC4 Current: '06 ZX636R (C6F)
Mudskipper wrote: Someone just has to sig that...

[P.]

I'm riding around in a helmet that's been dropped, scraped and done breakdancing with... You'll be fine.

[arry]

[Rogerborg]

Whaaaat, it costs "just" £48 for helmet-and-leathers? That's about 2/3rds of what I pay in total.

[arry]