Right you Lot, when was the last time you checked your Insurance policy's? your Excess, Pay out figures & are your ACCESSORIES ADDED Y/N, Agreed value Changes dropping ?, etc etc etc.
We should all do this at least annually and be satisfied we are getting what we want/need out of our policy's, most of us don't and find out till the time of an accident/theft/act of God that we are totally underinsured and find it difficult to get back in the saddle for lack of contributing $.
Its all to easy to just forget and ride on until- 'unfortunately' Bike's are inherently more prone to damage/theft and in most cases written off easily, all the more reason to be sure on your policy's and what you will get if ''God forbid it'' something go's down, wouldn't you prefer to be able to replace your bike & Accessories with a new one at todays prices if written off? not an insurance companies estimate on what you ride is worth at that time? it can be pretty brutal, you may be surprised how minimal it actually is Dollar wise to increase your policy accordingly for maximum coverage including you shinny bits but you have to instigate it!
Most of you would be aware that certain local insurance provider/s have been less than helpfull with some of our unfortunate Brothers/sisters Claims recently, there are dodgy operators out there and i advise while you are revising you Policy's that you put what ever questions you have with the provider to them & what you are actual covered for, their claims process, expectations, assessor processes, are they a franchisee & who underwrite's them? and check that its clearly written in their policy documents so no Bull shit can happen at that unfortunate time, don't be afraid to use the thing called GOOGLE and check out any information, forums, and general banter that may pop up with FILTH ON DODGY Insurance companies/underwriters and lets not forget the GOOD NEWS ON THEM TOO! making your decisions a bit more informed.
Ask around and see how other freinds have managed with their policy's, get feed back,weed out the Dodgy providers, then let everyone know who is good and who is bad- whatever stores you may learn by this free enquiering
I have written a previous blog within my page re these issues
Bike Insurance, Is your Victory adequately Covered?
Its A Ramble like this but hopefully helpful to those looking to insure and those just reviewing existing policy's.
Any One Got A Good Insurance story? Put up a reply.
Any One got a Bad Insurance Story? Put it up a reply.
I myself have 2 policy's with Swann Insurance Aust PTY LTD I have been very Happy with the Service, Costs & Support from Them so far
Safe Riding all