Yes you can, you can pay an extra premium to take out cover for the helmet and leathers / riding gear, it was a bit costly when I looked at it ...... in hindsight though ...... not half as costly as new helmet Hindsight is a marvelous thing. But in the long run any kind of claim tends to bump up the ransom, sorry, I mean premium. So you probably haven't really lost out. Helmet/leathers insurance is different policy to the bike insurance so shouldn't effect bike insurance policy. Home insurance might also cover your helmet, but a claim on home insurance would increase your home insurance premium..