onesea Posted November 26, 2020 Share Posted November 26, 2020 New clause added to my policy... Does this mean I cannot go to work on my bike if it includes doing any of these? Quote Link to comment Share on other sites More sharing options...
dynax Posted November 26, 2020 Share Posted November 26, 2020 Wtf, which insurer ? Quote Link to comment Share on other sites More sharing options...
husoi Posted November 26, 2020 Share Posted November 26, 2020 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 Quote Link to comment Share on other sites More sharing options...
Tiggie Posted November 26, 2020 Share Posted November 26, 2020 Probably all of them soon enough. It'll be the "covid clause" Quote Link to comment Share on other sites More sharing options...
Mississippi Bullfrog Posted November 26, 2020 Share Posted November 26, 2020 What on earth does it mean? How is a virus going to affect an motorcycle insurance claim? Quote Link to comment Share on other sites More sharing options...
onesea Posted November 26, 2020 Author Share Posted November 26, 2020 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". Quote Link to comment Share on other sites More sharing options...
KiwiBob Posted November 26, 2020 Share Posted November 26, 2020 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 1 Quote Link to comment Share on other sites More sharing options...
Marino Posted November 26, 2020 Share Posted November 26, 2020 It is just a way not to pay off for any damage. So insurance is mandatory to have but it is not mandatory to pay off in case of damage. That is the way to go for, Quote Link to comment Share on other sites More sharing options...
fastbob Posted November 26, 2020 Share Posted November 26, 2020 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 . Quote Link to comment Share on other sites More sharing options...
Bender Posted November 26, 2020 Share Posted November 26, 2020 You never have to go to work again, what if someone at work has a disease. Quote Link to comment Share on other sites More sharing options...
bonio Posted November 26, 2020 Share Posted November 26, 2020 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. Quote Link to comment Share on other sites More sharing options...
KiwiBob Posted November 26, 2020 Share Posted November 26, 2020 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! Quote Link to comment Share on other sites More sharing options...
Tiggie Posted November 26, 2020 Share Posted November 26, 2020 Six will be required to wear a condom while riding his bike under new regulations Quote Link to comment Share on other sites More sharing options...
fastbob Posted November 26, 2020 Share Posted November 26, 2020 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 . Quote Link to comment Share on other sites More sharing options...
Slowlycatchymonkey Posted November 26, 2020 Share Posted November 26, 2020 Describe the incident ”Well there was an ill looking person coughing crossing the road so I took evasive action and swerved around them, that’s when a bit late I saw the lollipop lady coming over the handlebars” 1 Quote Link to comment Share on other sites More sharing options...
Six30 Posted November 26, 2020 Share Posted November 26, 2020 55 minutes ago, Tiggie said: Six will be required to wear a condom while riding his bike under new regulations i do any way 1 Quote Link to comment Share on other sites More sharing options...
bonio Posted November 26, 2020 Share Posted November 26, 2020 42 minutes ago, Six30 said: i do any way ATGATT. 1 Quote Link to comment Share on other sites More sharing options...
onesea Posted November 27, 2020 Author Share Posted November 27, 2020 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 Quote Link to comment Share on other sites More sharing options...
bonio Posted November 27, 2020 Share Posted November 27, 2020 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? Quote Link to comment Share on other sites More sharing options...
dynax Posted November 27, 2020 Share Posted November 27, 2020 My personal accident cover was an extra, iirc it was about £15/16 a year Quote Link to comment Share on other sites More sharing options...
Mawsley Posted November 27, 2020 Share Posted November 27, 2020 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. 2 Quote Link to comment Share on other sites More sharing options...
Slowlycatchymonkey Posted November 27, 2020 Share Posted November 27, 2020 sandy vagina. Never heard it before. Urban dictionary definition for sweet sheltered people like myself To have sand in one's vagina means to be bothered, annoyed, or angry about something. The vagina in question is a proverbial vagina; people of either gender ... Quote Link to comment Share on other sites More sharing options...
learningtofly Posted November 27, 2020 Share Posted November 27, 2020 On 26/11/2020 at 09:20, Tiggie said: Probably all of them soon enough. It'll be the "covid clause" 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. Quote Link to comment Share on other sites More sharing options...
Gerontious Posted November 27, 2020 Share Posted November 27, 2020 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. 2 Quote Link to comment Share on other sites More sharing options...
Slowlycatchymonkey Posted November 27, 2020 Share Posted November 27, 2020 But it’s ok to ride with a non contagious bacterial infection? Quote Link to comment Share on other sites More sharing options...
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