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I can I use my bike to go to doctors..


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That means you can give your bike some contagious crap?

Maybe a computer virus...

That's more than enough reason to cancel your policy and go elsewhere. Legally they can't change the contract without giving you a opt out clause

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41 minutes ago, Tiggie said:

Probably all of them soon enough. It'll be the "covid clause" 

Fine I won't go to work, then there will be Hospital staff, care workers it could almost be said of all "essential workers".

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 That seems to be one hell of a get out of jail card for the insurer!

The following is a general list of contagious diseases. These may be transmitted via various modes.

  • All respiratory diseases
  • Athlete’s foot
  • Bronchitis
  • Chancroid
  • Chickenpox
  • Cold sores
  • Common cold
  • Conjunctivitis (Pink eye)
  • Coxsackievirus
  • Crabs
  • Croup
  • Cryptosporidiosis
  • Diphtheria
  • Encephalitis
  • Epstein-Barr virus
  • Fifth disease
  • Flu (Influenza)
  • Fungal skin infections
  • Giardiasis
  • Hepatitis B
  • HIV/AIDS
  • HPV
  • Impetigo
  • Infectious mononucleosis
  • Leprosy
  • Leptospirosis
  • Lice
  • Malaria
  • Measles
  • Meningitis
  • Meningococcemia
  • Molluscum contagiosum
  • Mononucleosis
  • Mumps
  • Nail fungus
  • Pertussis (Whooping cough)
  • Plantar warts
  • Poliomyelitis (Polio)
  • Ringworm
  • Roseola infantum
  • Scabies
  • Scarlet fever
  • Shigellosis
  • Smallpox
  • Staph infection (MRSA)
  • Strep throat
  • Swine flu
  • Syphilis
  • Tetanus
  • Tonsillitis
  • Tuberculosis
  • Vaginitis
  • Viral gastroenteritis
  • Viral laryngitis
  • Confused 1
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I just can't work out how it could be applied . Unless they are covering themselves against loss or damage incurred in some unforeseen civil unrest that could be attributed to Covid 19 . They probably wouldn't be able to tell you if you asked them but they just stuck it in there incase the unimaginable occurs . 

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All it means is that they won't pay any part of your claim which was caused by covid.

So your bike might get stolen. A few days later the police find it and let you know; meanwhile they put in storage at £20 a day cost to you. The day this happens, you test positive for the virus, so you can't collect it, and you can't find anyone else to get it for you. Seven days later, you're £140 down. In this case they're saying they won't pay the £140. 

 

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25 minutes ago, bonio said:

All it means is that they won't pay any part of your claim which was caused by covid.

So your bike might get stolen. A few days later the police find it and let you know; meanwhile they put in storage at £20 a day cost to you. The day this happens, you test positive for the virus, so you can't collect it, and you can't find anyone else to get it for you. Seven days later, you're £140 down. In this case they're saying they won't pay the £140. 

 

 There's no mention of covid! .. It say "Infectious or contagious disease" of which there are thousands!

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34 minutes ago, bonio said:

All it means is that they won't pay any part of your claim which was caused by covid.

So your bike might get stolen. A few days later the police find it and let you know; meanwhile they put in storage at £20 a day cost to you. The day this happens, you test positive for the virus, so you can't collect it, and you can't find anyone else to get it for you. Seven days later, you're £140 down. In this case they're saying they won't pay the £140. 

 

I think you are on the right lines here . 

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Well

On 26/11/2020 at 09:05, dynax said:

Wtf, which insurer ?

Now I have tried to contact the company who gave me a phone number of the insurance company to call as it was not there responsibility to sell a policy that is fit for purpose as a broker....

Apparently I am insured to ride to work just no personal accident cover...

Motorcycle Direct
http://www.motorcycledirect.co.uk/

The actual letter

https://www.europa-group.co.uk/URIS/NoticeofChange.pdf?utm_campaign=Optional Extras Customer Notice&utm_source=emailCampaign&utm_content=&utm_medium=email

 

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4 hours ago, onesea said:

Well

Now I have tried to contact the company who gave me a phone number of the insurance company to call as it was not there responsibility to sell a policy that is fit for purpose as a broker....

Apparently I am insured to ride to work just no personal accident cover...
 

Did you buy personal accident cover as an extra when you took out the policy? Or was it thrown in as part of the package you bought?

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On 26/11/2020 at 10:04, KiwiBob said:

 That seems to be one hell of a get out of jail card for the insurer!

The following is a general list of contagious diseases. These may be transmitted via various modes.

  • All respiratory diseases
  • Athlete’s foot
  • Bronchitis
  • Chancroid
  • Chickenpox
  • Cold sores
  • Common cold
  • Conjunctivitis (Pink eye)
  • Coxsackievirus
  • Crabs
  • Croup
  • Cryptosporidiosis
  • Diphtheria
  • Encephalitis
  • Epstein-Barr virus
  • Fifth disease
  • Flu (Influenza)
  • Fungal skin infections
  • Giardiasis
  • Hepatitis B
  • HIV/AIDS
  • HPV
  • Impetigo
  • Infectious mononucleosis
  • Leprosy
  • Leptospirosis
  • Lice
  • Malaria
  • Measles
  • Meningitis
  • Meningococcemia
  • Molluscum contagiosum
  • Mononucleosis
  • Mumps
  • Nail fungus
  • Pertussis (Whooping cough)
  • Plantar warts
  • Poliomyelitis (Polio)
  • Ringworm
  • Roseola infantum
  • Scabies
  • Scarlet fever
  • Shigellosis
  • Smallpox
  • Staph infection (MRSA)
  • Strep throat
  • Swine flu
  • Syphilis
  • Tetanus
  • Tonsillitis
  • Tuberculosis
  • Vaginitis
  • Viral gastroenteritis
  • Viral laryngitis

Amazed they left out forum flouncing, sandy vaginas, and blind from salty tears.

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On 26/11/2020 at 09:20, Tiggie said:

Probably all of them soon enough. It'll be the "covid clause" :classic_blink:

No doubt.

On 26/11/2020 at 10:01, Mississippi Bullfrog said:

What on earth does it mean? How is a virus going to affect an motorcycle insurance claim?

No idea.

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The clause is telling me what I already know. If I am sick. Don't ride the motorcycle. Thats all there is to it.  The language is typical of a clueless but overkeen legal department. but thats effectively what it boils down to. 

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