Jocklaw Posted November 22, 2013 Share Slightly off topic, but still relating to cars and cyclists/pedestrians. Did anyone hear the debate yesterday/Monday on 702 (Jenny's show) relating to Sonya Laxton's hit 'n run accident on Sunday morning?One attorney/lawyer stated that the victim (in this case Sonya, but Burry's name could fit into this debate too), has no recourse to sue the driver, as the Road Traffic Act (or the RAF) compensates the victim in terms of medical bills, loss of income, etc, etc., etc. and prevents any civil action against the accused. The sad fact, in that the driver gets away with it (maybe a fine and a slap on the wrist) and the victims (or their families) have to deal with the consequences. The RAF is there in case you get hit by someone who cannot afford insurance. The RAF, from that point of view is an excellent system. The SAPS now need to do their part and lay criminal charges against the driver. Link to comment Share on other sites More sharing options...
sharkbait Posted November 22, 2013 Share Does anyone have any feedback?Case is taken further next week. I'll update as soon as I know more Link to comment Share on other sites More sharing options...
Skylark Posted November 22, 2013 Share Broker: AONUnderwriter: Santam Premium: 3/5 a bit on the pricey side. Service & payout: 5/5 I get a replacement quote and they pay less the excess. I haven't had many claims but the ones I have had have been sorted out without any issue. My bikes don't need to be specified and are covered for theft and damage under the household all risk policy for their replacement value. Your bike cover will probably only cover loss on the property and if they get damaged or stolen whilst off your property they will not pay out. Make sure they also covered for out and about... Big difference in premium Link to comment Share on other sites More sharing options...
doppelganger Posted November 22, 2013 Share OK guys...care to PM me with broker details...I am also tired of dealing with companies directly. Any brokers here on the Hub? Also looking for life & disability cover, and medical aid too... Link to comment Share on other sites More sharing options...
Azi Posted November 22, 2013 Share OK guys...care to PM me with broker details...I am also tired of dealing with companies directly. Any brokers here on the Hub? Also looking for life & disability cover, and medical aid too... +1 Link to comment Share on other sites More sharing options...
Captain Fastbastard Mayhem Posted November 22, 2013 Share Shameless plug... I am an independent broker in life, investment and med aid. Have close ties to a dedicated and very very professional short term insurance oke. Link to comment Share on other sites More sharing options...
doppelganger Posted November 22, 2013 Share Shameless plug... I am an independent broker in life, investment and med aid. Have close ties to a dedicated and very very professional short term insurance oke. You sir will have a PM on Monday (Should you be comfortable dealing over the phone/email with a Joburger) Link to comment Share on other sites More sharing options...
Captain Fastbastard Mayhem Posted November 22, 2013 Share You sir will have a PM on Monday (Should you be comfortable dealing over the phone/email with a Joburger) (Favourite JZ voice) Absolutely! Link to comment Share on other sites More sharing options...
DJR Posted November 22, 2013 Share Shameless plug... I am an independent broker in life, investment and med aid. Have close ties to a dedicated and very very professional short term insurance oke. Maybe you and I need to go for a ride sometime and talk insurance rather than mountain bikes, then you can deduct the Reign X from tax as a work vehicle! Link to comment Share on other sites More sharing options...
Captain Fastbastard Mayhem Posted November 22, 2013 Share Maybe you and I need to go for a ride sometime and talk insurance rather than mountain bikes, then you can deduct the Reign X from tax as a work vehicle! What makes you think I haven't already?! Link to comment Share on other sites More sharing options...
DJR Posted November 22, 2013 Share What makes you think I haven't already?! Like my delivery bike? Link to comment Share on other sites More sharing options...
mikethebike234 Posted November 22, 2013 Share Your bike cover will probably only cover loss on the property and if they get damaged or stolen whilst off your property they will not pay out. Make sure they also covered for out and about... Big difference in premium not so.. Santam are actually really good..I must say... crashed my bike recently and tried putting in a claim and they actually paid out no fuss whatsoever in fact they paid out with a few hours of lodging my claim ..but do all your claims through your brokers that may be the trick ... anyway saying that, insurance is tricky cos now something else might happen and they might not pay out ..the whole things a bit like gambling............. Link to comment Share on other sites More sharing options...
GoLefty!! Posted November 22, 2013 Share Case is taken further next week. I'll update as soon as I know more Please do. This sounds like Outsurance taking a fat aggressive chance. Link to comment Share on other sites More sharing options...
Skylark Posted November 22, 2013 Share not so.. Santam are actually really good..I must say... crashed my bike recently and tried putting in a claim and they actually paid out no fuss whatsoever in fact they paid out with a few hours of lodging my claim ..but do all your claims through your brokers that may be the trick ... anyway saying that, insurance is tricky cos now something else might happen and they might not pay out ..the whole things a bit like gambling............. Well I'm not sure what trick your broker is pulling but with any insurer they will cover any bike to the insured value if it's stolen from the property your household insurance covers. If you want cover for the bike when it leaves the property and for accidental cover you need to specify the bike as an out and about all risks item. That extra cover will be a separate monthly amount, obviously bundled with the rest of the cover you pay each month. Maybe check your insurance itemized schedule or ask your broker how much you pay for the bike portion of your cover. Link to comment Share on other sites More sharing options...
mikethebike234 Posted November 23, 2013 Share Well I'm not sure what trick your broker is pulling but with any insurer they will cover any bike to the insured value if it's stolen from the property your household insurance covers. If you want cover for the bike when it leaves the property and for accidental cover you need to specify the bike as an out and about all risks item. That extra cover will be a separate monthly amount, obviously bundled with the rest of the cover you pay each month. Maybe check your insurance itemized schedule or ask your broker how much you pay for the bike portion of your cover. oh I was misconstrued ...the bike bike is under full all risk everywhere and is a separate itemised payment like you said. Its not a fancy bike or anything so it is not expensive. ie it is insured for a low amount as it was not an expensive bike. So you are correct sir its just as you said. Link to comment Share on other sites More sharing options...
Captain Fastbastard Mayhem Posted November 23, 2013 Share Well I'm not sure what trick your broker is pulling but with any insurer they will cover any bike to the insured value if it's stolen from the property your household insurance covers. If you want cover for the bike when it leaves the property and for accidental cover you need to specify the bike as an out and about all risks item. That extra cover will be a separate monthly amount, obviously bundled with the rest of the cover you pay each month. Maybe check your insurance itemized schedule or ask your broker how much you pay for the bike portion of your cover. Not always eh skylark. Some insurers require you to list items that are portable possessions regardless of your addition of "all risks" and will only pay a set max if the item on question (bike / cellphone etc) are stolen from home and they are not listed. The all risks portion generally refers to financial loss suffered as a result of anything but theft. Link to comment Share on other sites More sharing options...
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