Insurance non-stitch-up

I just renewed my policy, took the old SV650N K3 off, kept the rest as
they were. Now bearing in mind I had a claim against me last year when
I nearly wrote my current SV650S K5 off, I thought I would have to pay
more - Wrong! I was quoted 30 quid less, because I had one less bike
on. So I enquired about adding my CBR600 trackbike with a daytime MOT,
no problem, and no extra charge. The excess on the CBR is 75 quid more
than the SV though at 300 quid. Thank god for protected NCB. A nice
round 215 quid for all my road bikes (better get a daytime MOT on the
CBR now).

Bonus.

While I was at it they offered me leathers, gloves, boots and helmet
cover for an additional 39 quid, so I took it. Unlimited claims per
year but each claim no more than £1000 a time with a 50 quid excess. I
asked specific questions about trackday cover and was told that as long
as it's not racing or timed sessions then I am covered on track as
well, it comes under 'pleasure' in the social, domestic and pleasure
clause.

Double bonus.

Good old Auntie Carole, she even gave me full European breakdown cover
in the price.

--
Lozzo
Suzuki SV650S K5
Honda CBR600 FW trackbike
Yamaha SR250 Spazz-Trakka
Suzuki GSXR750 L
Suzuki TS50X
Suzuki TS50X

 

Lozzo wrote:

Don't you have household contents insurance? Mine paid out for my gear
when I took out Bambi.

 

Mine didn't. My gear was covered as "contents" (e.g. if stolen from
the house or burnt in a house fire) but not as "motorcycle
accessories" if damaged while out riding.

 

Our household contents insurance isn't in my name and I don't see why
my claim should affect my housemate's standing with the insco for
something like leathers damaged on my trackday. If we were broken into
and they were stolen then fair enough, but not for stuff that happens
outside of the house.

--
Lozzo
Suzuki SV650S K5
Honda CBR600 FW trackbike
Yamaha SR250 Spazz-Trakka
Suzuki GSXR750 L
Suzuki TS50X
Suzuki TS50X

 

What actually does trackday cover include? I Googled it recently
because my bike insurance explcitly excludes it. Most of the policies
I found seemed to be about cover for damage to one's own vehicle; no
reference to third party liability at all.

 

The trackday cover I have only applies to my kit, not to my bikes. I've
never looked into covering bikes on track.

--
Lozzo
Suzuki SV650S K5
Honda CBR600 FW trackbike
Yamaha SR250 Spazz-Trakka
Suzuki GSXR750 L
Suzuki TS50X
Suzuki TS50X

 

Ah, makes sense. Thinking about it, there must be a lot of track-only
bikes out there that are effectively uninsurable.

 

So get a daytime MOT and insure it like I have.

--
Lozzo
Suzuki SV650S K5
Honda CBR600 FW trackbike
Yamaha SR250 Spazz-Trakka
Suzuki GSXR750 L
Suzuki TS50X
Suzuki TS50X

 

Mine is covered like that, but also under the "world-wide accidental
damage" cover I have as well. M&S house insurance is top notch.