Insurance: Leathers & Helmet Cover, Worth it or not?

[rpsmith79]

Fairly simple one i hope, what are peoples thoughts on leathers & helmet cover when it comes to insurance

My renewal is due middle of Feb, and getting some quotes in, i can get fully comp cover, with commuting, on my 600 Hornet (1 years NCD, full licence for 6 months) for either £110 with Hastings Direct, or £145 with Hastings Premier (including leathers & helmet cover, and legal cover)

So, what would you do?

And anyone ever actually used leather & helmet cover, or is it not worth the paper its written on

Also, any known issues with Hastings Direct/Premier (underwritten by Advantage)
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Current Bike: Honda CG125 ES4 // Honda CB600FS Hornet // Triumph Street Triple R

[Commuter_Tim]

I ride with shit gear so couldn't give a toss if it's torn up.

How much is your gear worth RRP?

I've used Hastings for 4 years of my riding (usually the cheapest aside from MCE ), I've got no complaints.
I think Advantage was one of my underwriters too, but I've never made a claim so I guess that's for nought.
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The above post is most likely nonsensical.

I ride a Bandit 600... badly.

[andys675]

they'll want receipts and will take wear and tear into consideration as this type of insurance was being raped 15 years ago as everybody who claimed was wearing dainese leathers and an Arai Rx7
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Some people feel the rain, others just get wet.

[Beehive Bedlam]

Sounds like something for a weekend warrior. My helmet is usually fucked after two years of hard miles anyway as are my boots.

My entire wardrobe (which is a few rusty nails in the garage wall) is motorcycle clothing.

[rpsmith79]

[Wafer_Thin_Ham]

In the event that you get taken out by a third party. Surely you just claim the cost of your leathers/helmet from them rather than needing specific "cover".
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[Commuter_Tim]

[rpsmith79]

[arry]

No. The excess is too high (and most don't specify whether it's per accident or per item - if per item then!) and the cover is Indemnity less wear and tear, so they'll deduct an age schedule from each item (which they don't specify - but I'd guess a 5 Year helmet lifespan).

Did I mention no?

[rpsmith79]

[Commuter_Tim]

[Courier265]

I get asked every year about this cover and I always say No thank you.

To me it's utterly pointless unless I was wearing say 2 Grand Rukka with a £600 helmet...

My motorcycle clothing costs a packet and it lasts a few years even in my line of work.
If an item was damaged in an accident, I just buy new, besides it's tax deductible.

[Yorick]

All my gear is covered by the house insurance. A few years ago I binned it at Donington and claimed on my house insurance.

They paid full retail for a new Arai and deducted about 30% of the cost of new Dainese leathers. I had to send picture proof of damage.

[rpsmith79]

[arry]

Out of interest - if I were to write a proper product, with proper cover, and proper limits, would anyone buy it at 50-60 quid a pop?

[Freddyfruitba...]

[wr6133]

[arry]

[SteveSmith]

It may be cheaper if you have a home contents policy to cover them under the "personal possessions" section. My contents policy includes a certain value (£1000 I think) of unspecified possessions outside the home, and paid out happily when I damaged most of my kit in a trackday fall.

[WimbleHJR]

It seems most people are saying no... I would just say from my experience with one claim it was worth it.

I got hit by an uninsured van driver and so had to claim off my own insurance for the bike. I had helmet and leather covers with a £50 excess and I made the claim. I mean, I had to really as my helmet had slid a couple of meters down someones drive with me attached.

I ended up out of pocket by quite a bit because of the uninsured prick, but at least i was £150 better off than I would have been.

I mean, I lost my no claims, and have shitty premiums... but its a little less shitty than it was. My helmet was about 6 months old and they used the "Purchased price" to take the excess off.

Oh and my helmets policy was with a different underwriter. I thought it would be a pain to have to claim again, but actually was pretty easy.

Anyway, that was my experience of using it, I'll take it out again if it's offered in Spain
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YBR125, FZS600, FZ6 S2 F800ST

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