2012-05-26 - GSIAD VI (Return of the Mayhem)

Nothing in their terms says your accident has to be due to somebody else being at fault. My insurance policy covers specifically for Malicious damage or theft by others, and **NON-COSMETIC **damage whilst out on the road.

I already have the safety check / report from Sigma, stating the bike is a total write-off, i.e. strongly advising that it not be ridden again, the damage being so extensive. The insurers say Sigma's report *should *be fine if supported by the photos of my injury/injuries and each visible bit of damage to the bike.

Not expecting a full replacement but hoping for most of it, or enough towards (as someone put it) a "better" bike...

Read the small print and good luck.

Still rather be insured for 10 years and not have to claim, than buy a bike and have it nicked the next afternoon.

Peace of mind on something like this is pretty important to me.

Use a car evey day - you insure it (well, you have to), but if you didn't and it was destroyed and you couldn't afford to replace it, you'd be screwed wouldn't you?
No different with me biek IMO. Going to find it hard going without a bike for a week let-alone 2/3/4 months to save for a new one

You have another bike ffs.

Unfortunately not. Thought I had public liability but don't - will have to wait for driver to get in touch with me (if/when) and maybe my credit card will come in to play once I see a quote from a reputable* garage....

*HAHAHAHAHAHA, yeah RIGHT

If you damage something you should pay. You were at fault, you caused the damage so therefore you should cough up. If you cycled into my car I'd cut your balls off if you failed to reimburse me for the damage that you caused.