Which insurance covers gear replacement?

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ViperZ

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I have all my insurance with MM. Someone mentioned that for some companies the house insurance covers the replacement gear, not bike policy. Is this true for MM?

Will such claim affect my bike insurance? Will they put an accident on my bike policy?

Thanks!
 
I would assume that if you were in a bike accident and your gear was ruined then when you claimed your accident you could claim gear as well?
I'm sure someone knows or has been through this to help you more but that would be my assumption.
 
If your gear is stolen from your car, house insurance would be the policy that may cover it. If you claimed the crash, your bike policy will cover it. If you wrecked it in a crash you didn't report, no insurance will cover it.
 
ViperZ said:
Didn't claim the accident.
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Your bike policy would cover it in the accident should you claim it. Your helmet is replaced under the auto portion of your claim, and the remainder falls under accident benefits.

(Read your post about not claiming the accident, this is just future FYI)
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