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

[onesea]

New clause added to my policy...

Does this mean I cannot go to work on my bike if it includes doing any of these?

 

[dynax]

Wtf, which insurer ?

[husoi]

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

[Tiggie]

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

[Mississippi Bullfrog]

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

[onesea]

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".

[KiwiBob]

 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

[Marino]

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, 

[fastbob]

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 . 

[Bender]

You never have to go to work again, what if someone at work has a disease.

[bonio]

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. 

 

[KiwiBob]

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!

[Tiggie]

Six will be required to wear a condom while riding his bike under new regulations 

[fastbob]

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 . 

[Slowlycatchymonkey]

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”

[Six30]

55 minutes ago, Tiggie said:

Six will be required to wear a condom while riding his bike under new regulations 

i do any way 

[bonio]

42 minutes ago, Six30 said:

i do any way 

ATGATT.

[onesea]

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

 

[bonio]

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?

[dynax]

My personal accident cover was an extra, iirc it was about £15/16 a year

[Mawsley]

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.

[Slowlycatchymonkey]

 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  ...

[learningtofly]

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.

[Gerontious]

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. 

[Slowlycatchymonkey]

But it’s ok to ride with a non contagious bacterial infection?