Naked insurance claim

[M L]

2 hours ago, ChrisF said:

 

Lets be real .... how many people can understand the policy wording ?

 

I rely 100% on my broker !!

Have you tried reading it? Might just be Naked, but you really don't need a law degree to read and understand it.

[Mongoose!]

28 minutes ago, M L said:

Have you tried reading it? Might just be Naked, but you really don't need a law degree to read and understand it.

Just be careful for "think you understand it" and how it will be applied by taking some fine print also into consideration. 

[Cat2forLife]

20 hours ago, The Ouzo said:

I wont comment on your other points, but this particular one stood out for me.

We have insurance for when things go wrong, whether our fault or not. As long as the damage was not intentional, it should not matter if he took the wrong line or a meteor fell out of the sky and hit the bike.

A meteor falling out of the sky would be considered an act of God, and therefor not covered  

[The Ouzo]

1 minute ago, Cat2forLife said:

A meteor falling out of the sky would be considered an act of God, and therefor not covered  

hmmm, I see a loophole for insurers.

Somebody drives into you and says god made him do it = not covered. 

[ChrisF]

2 hours ago, M L said:

Have you tried reading it? Might just be Naked, but you really don't need a law degree to read and understand it.

 

You can read the SANTAM one for days.  Then in 30 seconds the broker points out how the bits of the puzzle fit together, AND what you need to know to understand what you read.

 

This is not my day job .... I will rather work with a reliable broker that saves me hours and more importantly makes sure the cover suits MY needs.

[Zatek]

It is open to interpretation and you have to prove your point like carbon having "gradual deterioration over time" but will expand on this point when everything is sorted.

[Mountain Goat]

On 5/20/2025 at 9:05 AM, Zatek said:

Naked and RAW decided only the wheels are covered as the rest is due to wear and tear (carbon fractures on 2 deferent places) over the years. My Look pedals are bent but according to RAW is normal wear and tear after sending the videos and Look Internasional confirmed it was not due to wear and tear. 

No mention of my saddle that broke as well.

 

Looking at those pictures, yes the wheel is damaged, yes the saddle is cracked. 

But those brake calipers are clearly not incident related. The wear on the brake blocks is not even and it looks like the bike was ridden with tyres that were too big. The damage appears to be caused by improper use over time. Damage on the fork could have also been cause by running tyres too large but can tell clearly from the info on hand.  

[Zatek]

Tires are 25's, brake calipers came loose after accident and only realized it after a couple of km. Brake pads came off a different bike as you use different pads on alu and carbon wheels. You could on the tires as well how the brake caliper rub the tire.

Edited yesterday at 09:37 AM by Zatek

[cadenceblur]

just received this as an update to policy wording.