Patchelicious Posted February 27, 2017 Share you mentioned chain suck. That caused the crack, in your report. Chain suck is not an accident / crash. Therefore no cover... To further the car analogy. If your side shaft had broken and damaged the chassis, that's classed as incidental damage and won't be covered (mostly) If the side shaft had broken, damaging the chassis which caused you to crash, that's an insurable incident. At least I think that's the way it works. Yes, you are right on the first point. If the accident was caused by neglected parts, they could also be within their right to repudiate a claim. Think wore out car tyre. Either way, it doesnt sound like they are conning you, but I doubt that you would be having this debate if you had "proper" cover Super Cheap Insurance is Super Cheap for a reason. Chat to a broker..... andydude, Robbie Stewart, HBO and 1 other 4 Link to comment Share on other sites More sharing options...
Patchelicious Posted February 27, 2017 Share as a side note i will push for the ombuds if they do not come to the party Pure Savage 1 Link to comment Share on other sites More sharing options...
Help.Me. Posted February 27, 2017 Share Patc patch you are funny........... Patchelicious 1 Link to comment Share on other sites More sharing options...
love2fly Posted February 27, 2017 Share If you were driving your car and the cambelt jumped a tooth (God forbid) and wreaked havoc on the valvetrain and holed a piston etc,you would have no claim on any insurance company.......... I think this is the difference between ACCIDENTAL & INCIDENTAL damage...I don't think any insurance co would cover that.........Sorry for your woes.There are a number of great carbon repairers out there...one I know of is: http://cycledelic.co.za/index.php/contacts Best of luck! Pure Savage 1 Link to comment Share on other sites More sharing options...
stefmeister Posted February 27, 2017 Share My guess is it's also just speculation on the part of the bike shop as to what the exact cause of the crack/hole was. How sure can they be that 'chain suck' was in fact the cause? You ride a mountain bike, stones fly around all the time. Also, as others have said already - the event that caused damage needs to be an 'accident' in order to claim from all risk. Whether you dropped it or didn't fasten it properly to your bike rack etc. is an accident - stick with those stories. Edited February 27, 2017 by stefmeister Link to comment Share on other sites More sharing options...
PeterF Posted February 27, 2017 Share I don't necessarily take my bike to LBS for all servicing because I'm fairly capable of doing this myself. My question though is, if there is nothing in my policy schedule which instructs me to have my bike serviced then can my claim be denied because it was not serviced by a LBS?Insurance is there to cover you for accidental damage and or theft, and not normal wear and tear. But I would imagine an assessment should at least be done to determine the cause. Link to comment Share on other sites More sharing options...
Eddy Gordo Posted February 27, 2017 Share As with any insurance, there is lots that you dont get cover unless you specify, or request unspecified items. When I did my first bicycle insurance, I asked if my frame cracks, whether I am riding in a race or practice will it be covered? same with parts like wheels fork, shock, and crank. I made sure I had all this covered on my policy. I still do. Link to comment Share on other sites More sharing options...
VicanZA Posted February 27, 2017 Share so u can screw up ur own bike and claim? thats what im getting from this. Link to comment Share on other sites More sharing options...
Pure Savage Posted February 27, 2017 Share so u can screw up ur own bike and claim? thats what im getting from this. Yup, if you are riding and miss a corner and go into a plant pot. You get to claim accident damage. If you get switched in a sprint, accident damage. If you are taking your Gillet off and you face plant, accident damage. Link to comment Share on other sites More sharing options...
jimmycool Posted February 27, 2017 Share so u can screw up ur own bike and claim? thats what im getting from this.By accident yes. On purpose no. Sent from my SM-A520F using Tapatalk Pure Savage 1 Link to comment Share on other sites More sharing options...
Odinson Posted February 27, 2017 Share so u can screw up ur own bike and claim? thats what im getting from this. If it's an accident, yes. If it's not an accident, no. Please don't be that poephol who fukcs up and then lies to his insurer to get them to foot the bill for his mistake. Edited February 27, 2017 by ØÐINSȪƝ worriesnot and DIPSLICK 2 Link to comment Share on other sites More sharing options...
eddy Posted February 27, 2017 Share . Whether you dropped it or didn't fasten it properly to your bike rack etc. is an accident - stick with those stories.Personally, I'd suggest people just stick to the truth. jimmycool, andydude, DIPSLICK and 2 others 5 Link to comment Share on other sites More sharing options...
WR 1.0 Posted February 27, 2017 Share Let me guess, you're paying R1 for your cover? Bomberman, Lexx, HBO and 2 others 5 Link to comment Share on other sites More sharing options...
Skubarra Posted February 27, 2017 Share Personally, I'd suggest people just stick to the truth. Unless you have a broker, he will conveniently delete the truth so that your claim goes through - I learn something new everyday on thehub Link to comment Share on other sites More sharing options...
WR 1.0 Posted February 27, 2017 Share Unless you have a broker, he will conveniently delete the truth so that your claim goes through - I learn something new everyday on thehub Yip, so much for being fit & proper Sent from my SM-G925F using Tapatalk Help.Me. 1 Link to comment Share on other sites More sharing options...
Eugene Posted February 27, 2017 Share I don't think servicing or not has anything to do with it. It is not a maintenance claim. Consider your car, if you break a side-shaft whist driving your insurance company is not going to fix it for you, no matter how well you maintained your car. Similarly, no claim on a bicycle should be entertained.And if the broken side shaft hit the ground and bounced up damaging the body work. Wouldn't they cover the body work? Link to comment Share on other sites More sharing options...
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