We have accidental damage and cover away from the house. I didn't even have to pay the excess as they use Wheelies who couldn't supply the frame, so they just bank transferred the cost minus excess
Northwind - Member
I had a cracked Soda (bought it cracked) and got Enigma to repair it, it had a fine second wind and as far as I know is still going strong.
It is. If only my personal crack would hurry up and fix...
P20, who are you insured with and when did you make the claim?
I have accidental damage and away from home cover, but would never expect them to payout if I crashed my bike into a rock!
That's what I want to know too. I always thought it would be like trying to insure a rally car!
It was with M&S back in mid 2013. We are now with John Lewis
I can also confirm M&S cover accidental damage. They paid out after I stacked my roadbike on black ice couple of years ago.
I currently have M&S insurance 😀
I did try to rationalise this. If they pay out for you dropping your DSLR and smashing the lens, why would they not pay out for a bashed bike? Unless there is a specific clause excluding it? Think they might quibble over it if you were racing enduro/XC/DH etc at the time though
Why is it different if you're racing? Genuinely asking. I couldn't see anything in my Ts&Cs that excluded race conditions.
Normally riding (road or xc) you're in a shared use environment so you should be riding slower than all out race pace. Pushing yourself to extremes is obviously more costly to insure against.Why is it different if you're racing?
but whos going to admit to breaking it whilst in a race.....
I'm changing to M&S insurance this week after this incident as at least I'll be covered in part for full suss frame.
Dan offered me a crash replacement, but still too hefty so he's trying to sort a replacement stay for enigma to use.
I had a payout from insurance for accidental damage cover about 10 years ago when I snapped the backend of my Sunn full sus frame with a rather optimistic line choice involving a lot more air time than first intended.
Frame wasn't available any more so they paid out, bought a new Ellsworth, they didn't want the old frame back and told me to dispose of it however I wanted. About 4 months later I managed to fine a NOS back end in a shop that had had to replace a front triangle under warranty for a customer, double win 😀
