Personal Injury Insurance

Discussion in 'Racing & Bike Sport' started by Yorkshire Tyke, Jan 20, 2014.

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  1. Yorkshire Tyke

    Yorkshire Tyke Elite Member

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    Do any of you race chaps have it?

    Would like to know:

    Who the policy is with
    How much it cost
    What is covered/pay out
    Monthly pay available?

    Cheers guys

    YT
     
    #1 Yorkshire Tyke, Jan 20, 2014
  2. sinewave

    sinewave God Like

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    Forget it mate!

    Just keep ya fingers crossed instead! :D
     
    #2 sinewave, Jan 20, 2014
  3. Yorkshire Tyke

    Yorkshire Tyke Elite Member

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    Nah man its a serious risk especially with my 'track record'
     
    #3 Yorkshire Tyke, Jan 20, 2014
  4. sinewave

    sinewave God Like

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    That's the reason I said don't bother.

    The insurance Co's know this and will load accordingly.

    It'll be too expensive and too restrictive in the T&C's for it tp be worth while IMHO


    Bit like 'Loss of earnings cover' for the Self Employed, you'd do far better just putting some aside every month, cept U won't you'll just Piss it away on Bike gear like the rest us Junkies! [​IMG]
     
    #4 sinewave, Jan 20, 2014
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  5. Alblade

    Alblade God Like

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    Y.T.

    I posted up the details of the policy by Locktons - will try and find it but its at least 'something' and I think very wise for anyone racing / biking without good 'reserves' or sick pay
     
    #5 Alblade, Jan 20, 2014
  6. Yorkshire Tyke

    Yorkshire Tyke Elite Member

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    Yeah cheers al that would help deffo need something incase of worst scenario
     
    #6 Yorkshire Tyke, Jan 20, 2014
  7. Souleh

    Souleh Active Member

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    Yes I have racer cover. Will dig out details in morning
     
    #7 Souleh, Jan 20, 2014
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  8. sinewave

    sinewave God Like

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    Post up the outcome/policy prices Mark, will be interested to see what's on offer?
     
    #8 sinewave, Jan 20, 2014
  9. Alblade

    Alblade God Like

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    Here you are, a link to post on same subject

    http://1000rr.co.uk/racing-bike-sport/13998.htm

    It looks like a fraction of the cost of racing for the season to get 'some' cover in place - there may be other suppliers available of course
     
    #9 Alblade, Jan 20, 2014
  10. Scott

    Scott Active Member

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    Iv gone with simon Farquar and it seems extremely resonable
     
    #10 Scott, Jan 21, 2014
  11. Scott

    Scott Active Member

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    His number 07545107677
     
    #11 Scott, Jan 21, 2014
  12. Alblade

    Alblade God Like

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    Can you post up a page of the summary of cover benefits and prices please - other wise you cannot really compare and with this type of policy the benefits (payout and length of payout / restrictions etc.) are the key decision makes, not just the price (sorry work nerd head on!)
     
    #12 Alblade, Jan 21, 2014
  13. Scott

    Scott Active Member

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    Give him a call mate I woould only chat crap and tell u all wrong probably
     
    #13 Scott, Jan 22, 2014
  14. Yorkshire Tyke

    Yorkshire Tyke Elite Member

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    Simon farquhar!! Top bloke!!! Don't suppose he's related to Ryan Farquhar?

    Anyway my policy covers me for ANY lost time from work, could be a race accident, tripping up when pissed, even a bad case of manflu! Starts paying from the first day of missed work on weekly basis and rate of 60% of my salary.

    33 quid a month
     
    #14 Yorkshire Tyke, Jan 22, 2014
  15. Alblade

    Alblade God Like

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    That's good cover - how long does it pay that for (the 60%) of salary?
     
    #15 Alblade, Jan 22, 2014
  16. Scott

    Scott Active Member

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    Yea he is mate. His cover does that too and if I break any bone I get a cash pay out
     
    #16 Scott, Jan 22, 2014
  17. Yorkshire Tyke

    Yorkshire Tyke Elite Member

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    Until you go back to work al
     
    #17 Yorkshire Tyke, Jan 22, 2014
  18. Alblade

    Alblade God Like

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    You sure? - who underwrites it?
     
    #18 Alblade, Jan 22, 2014
  19. Yorkshire Tyke

    Yorkshire Tyke Elite Member

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    Pretty positive thats what he said mate
     
    #19 Yorkshire Tyke, Jan 22, 2014
  20. sinewave

    sinewave God Like

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    Never mind 'Wot Man Said' Mark, it needs to be written in BLACK n WHITE with no small print get out clauses.
     
    #20 sinewave, Jan 22, 2014
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