Life/Injury insurance.

dodsi · Dirty Carny Joined: 06 Aug 2004 Karma :

Just thinking about it after these sales women came upto us at squires giving us the sales speil about spending nights in hospital and breaking bones you get money for this.

Whats the catch? (apart from the £20 a month they want)

Does it actuially pay out if you did get hurt?

Is it a waste of money?

(I tend to believe the latter)

dransy · World Chat Champion Joined: 04 May 2005 Karma :

Its pretty expensive though works out at 260 a year n when you have other insurance to pay, bills *etc* its quite expensive , them sayin a fiver a week is all it costs it adds up at the end of year.
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Being shot out of a cannon will always be better than being squeezed out of a tube. That is why God made fast motorcycles

dansuresh · Scooby Slapper Joined: 26 Jan 2005 Karma :

when i was renewing my insurance i could have paid an extra £20 or something and if i ever crashed and hurt myself i could get upto £2000 towards bills and gear

i didnt take it then but i wish i did now! they said it wont affect your no claims since its taken with another company

Dan

EDIT: i meant my bike insurance not life...dont have tht!
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'S' Derbi GPR50R ------> 'Y' Aprilia RS125 -------> '04' SV650S K4 -------> 'Y' Honda CBR600 F Sport

Black Knight · World Chat Champion Joined: 22 Feb 2005 Karma :

You are much better off taking out private healthcare with a hospital direct.
What she was selling was an insurance policy. We all know how great insurance is when you try and claim eh!

I imagine if you did require hospital treatment you would have to fork out for it up front and them claim the money back.
TBH, you pay NHS contributions so I would just use them.
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Where does a turn end? 'Where you can do anything with the gas you want to, where you are brave again, where your attention is free from the turn, where you are sure you can do it better next time; that's the end' - Keith Code.

kawakid · World Chat Champion Joined: 15 Mar 2005 Karma :

That seems very expenisve.

For about £360 a year I get Norwich Union healthcare, ie all treatment in private hospitals, but if I do decide to use NHS I get £50 per night.

Also the cover, covers me for when im abroad.
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I've a twin and a 4.

beast rider · Could Be A Chat Bot Joined: 24 Feb 2005 Karma :

Just make sure you read the fine print on some of the life/injury insurance policies.

I was a couple a while back the all seemed fine and good untill i read the fine print and saw that the policy wouldn't cover me if i was involved in a bike accident, when i quired this i was told that they could cover me for pillion but not rider.

Which is no use at all

dodsi · Dirty Carny Joined: 06 Aug 2004 Karma :

I have no intention of buying that shite, the people who were stood with me know what I said to her. Laughing

stnuc · Derestricted Danger Joined: 09 May 2005 Karma :

personally i will go with the NHS rather than IMO waste money on what if's health insurance, however i would be more inclined to get loss of earning insurance, so that my bills would be covered in the event of a accident, i had a woman offer to quote me this great policy, however it had a 30 x/s period plus did not cover accidents related to my occupation or hobbies, so i asked if she really really thought it was right for me yes but......but nothing i told her if i am not covered doing tree surgery riding my bike or rock climbing its not worth a great deal to me as lets face it if i am unfortunate to come a cropper the odds of it happening whilst doing one of these things is fairly high in comparision to other daily activities i do!

if you are thinking about these types of insurance be careful what exclusions apply as it could be deader than dead money, after all if you never claim thats what it is.