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[Shongololo]

So any boffs on here who could tell me if I crashed my bike breaking the speed limit and was killed, would my Life cover be null and void? as I would have been breaking the law. It is if you crash a car under the influence of drugs, as you are breaking the law.

If so does it stand on track days as that is not breaking the law?

[Andy J]

check the small print in your policy 

[ZX10R-RACER]

yes as far as i know there is only two companys who will cover you for things like track days/ motocross ect, so should the shit hit the fan on one of these you are covered, but regards breaking the speed limit, i`v never seen you above 50mph so you should be ok 

[Chrisblack10r]

only way to find out 100% is to ring up the insurance company and ask them straight

but i guess you run the risk of highlighting yourself as a potential high risk client

[HammyUK]

Iffy Shongy. Found out last year my travel insurance won't cover me on my own bike as its over 250cc yet I can rent out any bike I want and it covers me on that   I can go skiing and do snowboarding as it covers winter sports if I don't go off piste. How the fuck does that work?
I had to make sure my life cover has the bikes on it even though what I do for a living is considered stupidly high risk yet there's only been 2 fatalities in 10yrs

[Andy J]

Iffy Shongy. Found out last year my travel insurance won't cover me on my own bike as its over 250cc yet I can rent out any bike I want and it covers me on that   I can go skiing and do snowboarding as it covers winter sports if I don't go off piste. How the fuck does that work?
I had to make sure my life cover has the bikes on it even though what I do for a living is considered stupidly high risk yet there's only been 2 fatalities in 10yrs

come on then Hammy before anyone else asks, what's your occupation ?

[HammyUK]

Errrr.......

I own a company that gets to places not many others can and I train certain "other" people to get there too.
Have worked on quite a few films and broke more bones doing that than I have crashing bikes.

This might give you an idea...............

[Chrisblack10r]

Errrr.......

I own a company that gets to places not many others can and I train certain "other" people to get there too.
Have worked on quite a few films and broke more bones doing that than I have crashing bikes.

This might give you an idea...............

your a window cleaner hammy? 

[HammyUK]

only at home if the missus is on the warpath

[Shongololo]

yes as far as i know there is only two companys who will cover you for things like track days/ motocross ect, so should the shit hit the fan on one of these you are covered, but regards breaking the speed limit, i`v never seen you above 50mph so you should be ok 

  pah 50mph

[Shongololo]

I was talking to some one today and he bought it up and once we started talking about it kind of made sense. as fro the small print yes I can read that , but that means asking the missus as she deals with it and If I told I do silly speeds on the bike I'll be grounded. Just kidding, but I don't want to highlight the risk I take as I have 2 kids and one more on the way.....if I ask the question she'll tell me to get a trike or something stupid.

[Andy J]

but the only way you'll know is from the policy itself

[slapknacker]

its a tough one for sure.

would it come under dangerous sports

[HammyUK]

Why? Its your own bike, with your own insurance on it. Its a mode of transport, would they not pay out if you wrap the car?
Thats what pissed me off with the travel insurance. Its not a rental or anythng else - its my feckin bike FFS.

[Wh|t3R@bb|t]

Hi mate.....

Not sure if it clarifies anything, but last year I started my own company and changed a few of my policies around, pension etc.  My Financial Advisor talked to me about life cover, critical illness and whilst we were on the subject I mentioned motorbikes, both riding, trackdays, trips to and from places (both europe and uk) and she went a bit white.  Said there had been a few issues with cover for motorbikes and other "extreme" pastimes.  (I know I know...but let me finish).

Anyway, she had to get specific paperwork from the company (Norwich Union & AXA) for me to detail my activities on my bike.  Usage, experience etc and send it off.  Now I never found out if it specifically affected my premium but at least I know I'm covered should I die or be injured and out of work due to my injuries.

Now, with bearing in mind the above (but please don't take this verbatim as it could be company specific) it would infer that if you were to hurt/die in direct relation to riding your bike, if was not declared at point of inception then you may be buggered.

Either way...everyone is right.  Ring them and check, and if not get it written into your policy.  If it ups your premiums, surely got to be worth it in the long run.  Unfortunately it would appear, similar to the insurance claim industry and inherent blaim culture towards bikers, that the life policy and criticial illness markets are still persecuting us bikers.

(Hey Hammy...short answer as always )