Captain Fastbastard Mayhem

They're hand painted decals, Francoin... so not exactly the same, but similar.

Nah the R400 is over and above the fee we pay to SANParks, as Parks give hardly anything back into the trails (except recently, for the first time ever) So ja, it's an extra, but it still only takes the total cost (incl trail donation) to R 750 per person if you do the group wildcard purchase thing.

It doesn't, and it won't ever. It works very well with docs who are on their network, and the claims submission is seamless and pain free, but the actual level of coverage is far lower. I still don't recommend it. EDIT: Oh, and the increased premiums are across the board, unfortunately. It's as a result of more people finding out they can use it, and more specialists finding out their patients have it, so they charge at those higher rates 'cos with Gap Cover, you're not fighting to get the payment out of the client when he may not have that sort of disposable cash.

no, an emoto. Not an e-bike. Different things entirely, though some get them confused.

Granted we had 'em in office, but yeah. Took that long to reflect.

Yup. Freehand pin-striping and "decals"

How is asking for a "membership fee" that goes directly into the trails, for which you get a small board as thanks and proof of donation, an "exclusive club"? It's not a requirement to be able to ride the trails, and there's no exclusivity. You donate to Tokai MTB, you contribute to the trails, and you get the board if you want to display that you've contributed. Simple. It's not privatising public facilities, either. It's to ensure an ongoing stream of income so that the trails can be developed.

Exactly

Dischem? If so, that's par for the course unfortunately. Waited just over 3 for my results.

Yeah, we had a max claim this year. Well, very close to max. 150k almost.

.ja,that's the thing though. If something had happened in month 2, you'd have been up **** creek. So you can't equate that cost unless you have the capital in place already, unfortunately.

If you have that R30k plus lying around / saved in an investment or savings account somewhere, that makes perfect sense. But if you're also on Classic Comp and have no chronic conditions etc and no gap cover, then it makes no sense at all...

100 cements

That's not the angle they take ito putting you in the same position. Theirs is that you have your bike back, albeit repaired. It's still insured against theft, breakage and so on at the normal values.

Stratum / Zest are the ones I deal with for good reason (we found they were the best of the bunch ito admin from the ones we've tried) Just check the terms and conditions surrounding payment of claims if they determine it's a PMB. Stratum and Zest will cover, but fight with the med aid to get something that they believe is a PMB, covered as a PMB. Some just flat out exclude any claim that is a PMB, even though there may still be a gap somewhere.

Pleasure, man. If you want more help, drop me a line / mail / etc. I used to be on the smart plan until I moved to Momentum Health. It's a shoe-in if you don't want to pay $$$ for med aid but still need coverage for investigative MRI & CT scans (which are what most of em are)

Classic Smart: M+1A + 2C = R 5,058 pm (R 60,696 p/a) Essential Saver: M + 1A + 2c = R 6,672 p/m (R 80,064 p/a) Diff in cost = R 19,368 MSA you get on essential saver = R 12,000 in other words, you're better off by R 7,368 per year on the Classic Smart. Or, you'd have the equivalent of R 19,368 p/a in "savings" if you go to Classic Smart instead of Essential Saver and invested the extra bit into some sort of savings account. This is not to say that some people should be on the essential saver, it's just to say that it's a case of "it depends"

Right. Here goes. Essential Saver has the savings component that you use to cover things like specialist visits / consultations, X Ray's, tests, dentistry etc. But that pot is limited, and the pot level is smaller than the difference in cost between it and Classic Smart (R 8,400 p/a diff in cost, R 4,700 in savings for the primary member) So - the SMART plan should be treated as a hospital plan, with access to MRI & CT scans. That's it's place. You CAN get specialist consultations paid out of the med aid, but you need to jump through a couple hoops to get there. In other words - the diff you pay does not make financial sense, JUST to get the MSA component. Better (more efficient) to cover those things yourself and claim back where you can. MSA covers those specialist consultations, dentistry, optometry, over-the-counter meds and so on. The SMART plan does have a network of hospitals that you need to use for planned procedures, though. So if you're on it, you'd best pair it with a Gap Cover that covers the invoice you'd get if you decide to go to a hospital outside the network.

Terms and conditions on most insurance policies reserve them the right to repair instead of replacing. Given the cost of bikes and their ease of damage, the decision to accept a repair instead of replacing saves them money, but isn't exactly how we (the consumer) want it. Warranty would be voided by the repair. If it cracks again, it'd be repaired again. to be frank: I'd fight that tooth and nail, as it seems like it's a catastrophic damage in high load areas. BUT. I know that the strength of a good carbon repair is often far above that of the standard item. The major thing to bear in mind is that it's still able to be insured for the full value of the new replacement item should there be a total loss due to theft etc. It seems as if the insurers are now using that right to repair far more widely than previously, due to (most likely) higher incidences of fraudulent claims (people breaking frames just to get new ones) TL;DR. I don't like it, and I'd fight it if I was in that industry, but the insurers are within their rights to request a diagnosis and repair quote from a licensed & experienced repairer, just as they are with cars and other assets you insure. CBR is one of those companies.

VERY well priced for what they are. I know the top one is $70k which equates to R 1.1m or so (excl duties, sigh) but that's up there with the top of the line merc, and I know which one I'd rather have!!! Even the base model at $40k is well priced.

The only thing I find irritating are the smelting scenes. For no other reason than it seems like I'm in an RPG and it feels like a cut-scene...

The Mandalorian. This Is The Way.

It wasn't an explicit questioning, but it was most definitely inferred.

Dale said something re teh rabbit hole that is an argument on morality. Odi sniped back with the most ill-considered response possible, given the circumstances. He definitely inferred that Dale's morals were questionable. And then continued to dig his own hole. https://community.bikehub.co.za/topic/179556-the-veganism-thread/?p=3574314

????