rad006

So anybody claimed from OS yet???

Who are they never heard of them???Im afraid of small companies that I have never heard of before

Ok so roughly 1 Outsurance R350/month, fixed Excess of R460 2 CycleSure R290/month, 5% Excess of Claim, Min R250 plus wheels extra 10% 3 PedalCare +-R270/month, 10% Excess of Claim I was seriously considering Cyclesure as Outsurances 1st Quote was R408/Month now R350. They seem to cover everything like Cyclesure so where do I go??? Thanks for the help in advance... Any comments welcome

http://incrediblethings.com/lists/cool-concept-bikes/

Lets just say I can use it in the above context 4 now....

If you use OKO then you shouldnt need to topup but time will tell on my tester...

Still answer Mampara`s!!!!!

Im just under 80 but that doesnt make me confident enough as then a BIG jump and BANG, Broken....sniff,sniff

Great so thats the Ti what about the SC???

Revive how much did the Ti post cost???compared to the SC Pro Lite one???

BigGuy I havent looked into it to much but there are quite a few places. Just dont pay more than R300 for a powdercoated frame and that includes a sandblast. Anodising I have no clue but Ill be looking soon enough....

Nikki I rate your safest best is either Powdercoat one colour or anodise it. Im yet to see a good painter....maybe those guys that do custom paint on motorbikes are better. I for one wont support CycleArt or somebody else that I wont mention

Im sending this link to Collin so he can respond k

BD54 call Collin Directly on 0828500446

Cough who hit the pavement Cough Cough MineDump Cough Im in if its local and cheap

Only tired chocolate its a nice neutal taste although I do find a heaped scoop is to much for 250ml as it doesnt dissolve fully sometimes. Any way to make it more chocolatey?

Thats why I was getting confused...As if I know my replacement is more but I only want to insure it for X amount why should I get lower than X amount if I was only claiming for X amount and not Y

Thanks Ill make sure Im insured for proper amount now

Thanks Ill make sure Im insured for proper amount now

Ok so from the above 2 is correct is 1 correct as well? My point is I dont want to be underinsured, as well as not being told that sorry you may have been paying for 30k and 30k is replacement but we paying you less. I know excess comes off but im talking what they will pay out.

Hold on.... 1 If im insured for 30k my replacement is 30k will they pay out 30k? 2 If im insured for 30k my replacement is 60k so they will only pay out only 15k and not the 30k even though im undervalued?

1)Well' date=' it varies from insurance to insurance, you need to look at the exclusion clauses, some might cover you for (eg) metal fatigue, others wont. Generally, its up to you to ensure your goods are fully insured for the full present replacement value, in other words, if you insure your bike for 30 K but replacement is 60k and it gets stolen, the insurance company will say you "underinsured" (your monthly installment was too low) and will pay out a pro rata value of the 30k - not the full 30k as many assume. Less the excess of course. Saying your bike is stolen (and its not) is fraud, there will be checks like you will have to report it stolen to the police and sign an insurance affidavit etc. They will also want to see forcible entry / loss, (ie) your house will have to have broken locks, your car a damaged boot lid / door / window etc, most times an insurance company will NOT pay if you claim theft but can not prove forcible entry - they will claim you were NEGLIGENT (left the bike outside overnight and unlocked for eg) and that is always an exclusion. They may also cease any further cover and notify other insurers of your suspected fraudelant activities making it difficult to get further cover. ...........No, best dont go down that path, it only leads one way.! Just remember, ALL insurance policies will require YOU take ALL reasonable care to prevent loss or damage - you cant just treat your goods with disdain simply because they are insured, some insurance companies now require you even prove servicable items ARE serviced regularly before they will pay a claim (ie) if an automatic garage door falls down on your car - the insurer may request to see that the door was serviced on an annual basis by a recognised repair person, if it wasnt, they CAN claim you were negligent in your responsibilities and they are not liable for your negligence. [/quote'] Why only pro rata?If I under insured the bike its my problem they should pay out the 30k minus the Excess. Why even less???

So what is covered and what isnt??? I mean if my frame snaps I take it its not covered? But if its ridden over by accident?? Stolen granted its replaced but to how much?? Ie I was quoted R200 odd to insure my bike for 30k Now if it stolen how much will I get paid out? The full 30k minus the excess or what??? So what is stopping you from saying the bike is stolen if your frame cracked??? They will battle to prove otherwise. Only problem is the guilty conscience I would have.

I mean if im paying a premium for a set claim amount I want that claim amount regardless. Else I want a lower premium for what they are willing to pay out. Why must I pay more for nothing??