Anyone have any experience of the above insurance ?
Getting an ear bashing after another stack and wondered if cover is actually any good ?

What are you trying to cover? You or your bike – and for either is it in a race situation?
If not racing then I’d just cover the bike with accidental damage home contents insurance and yourself (if you need it) with personal injury insurance (mine pays out for broken bones apart from ribs and for stuff like hospital stays).
I’ve not looked into a specialist bike race insurer as I don’t race but Sportscover are certainly one of the main players in that market

Sorry, this is personal sports accident cover

So you are after rewards for falling off and being a bit shit?

If you want to put it like that. Prob be off work for a couple of weeks and the Mrs thinks some kind of policy would be prudent as being self employed, injuries don’t go down well. For next time of course 😀

Here comes the technical bit. Insurance law dictates you can only cover ‘fortuitous loss’. That is you can only insure something that happens by chance.

You cannot take out insurance for something you know will happen (life insurance even as there is no certainty you will die during the term of the policy and you can’t take out life insurance knowing that you will).

If you continually crash the loss becomes more certain than not and the insurer will get a bit fidgety about what they are covering.

Try phoning an insurer and say ‘I’m going out this weekend on my bike and I know that I am going to crash – will you insure me please’.

Also, think if you were the insurer. If someone called you up and said I know I’m going to crash my £2k bike this weekend will you insure me please, oh and I’m going to break a leg and be off for a couple of weeks so there will be some personal injury in there too.

How much would you want from them in premium?

Yes, some insurers make it very difficult to claim in the first place but that is a whole other topic which I’m not going to get involved in but that is different from an insurer who is continually paying out for someone crashing all the time…

Cheers

Danny B

Who said anything about continually crashing all the time ? I certainly didn’t !
I was just after opinions on sports accident insurance, maybe asking in a light hearted manner but jeez !
How strange

Apologies if I have misinterpreted – you put ‘…after another stack’.

Would suggest you have had more than one and I thought you had had an earbashing off the insurer not Mrs thefun…

Must not respond to posts until coffee drunk in future…

Cheers

Danny B