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Shannons Insurance - Policy Wording

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  • Shannons Insurance - Policy Wording

    For those of you wanting the finer details of the Shannons Policy Document in relation to their current push on bike insurance and their competitive pricing, I have scanned and attached herewith.

    PDF - SHANNONS POLICY DOC - Click to Download
    (7 mb file - current at 21 January 2006)

    In relation to their insurance during rider training courses, the wording is such:

    Training Courses.  WE WILL provide you with full cover during your participation in any professional driver/rider course designed to improve your skills on the road whether such a course is conducted on a public road or a private specialist venue, provided an instructor is present.

    COVER WILL NOT BE PROVIDED if such a course comes under the jurisdiction of the Confederation of Australian Motor Sports (CAMS) or ANY OTHER MOTORSPORT GOVERNING BODY, or where there are no designated instructors in attendence, except where this is covered by the Club Racing optional endorsment.

    Ref Pages 30 & 31
    I aint no lawyer, but I would interpret this as MCRC days…. you wont be insured. Trak Dayz rider training days or AHG days…. you will prob be insured.

    You will also note their cover of riding gear disclosed on page 12 (clause 22) and page 28 & 29 (clause 12). Basicially.... your covered for up to $3,000 on riding gear (must be riding gear like lids, visors, gloves, leather jacket and pants, riding boots and motorcycle specific gear like spine guards) but not generic items of clothing that are not exclusive to the riding of your bike. No more than $3k in total, no more than $1.5k for a pillions items and no more than $1k on individual items.

    Initially I was thinking that this riding gear cover is a waste of effort. I mean, if I came off to the point my gear got fucked up then I think getting a couple of grand out of Shannons would be the least of my worries. But, there are times when people come off and screw up a $800 lid and a $1000 jacket with a small off.

    But, keep in mind, the claim would need to substantially outweigh the excess of course to make it worth while. So assuming a small off and some light damage to your bike and gear, it would not be unreasonable to assume that the damage could mount to a few grand.

    Anyway, read & come to your own conclusions.

    Deej

    So on the eight day, after wasting time faffing about with unimportant guff like heaven & earth & the waters & sky & creatures [& having a wee kip] & man.... God created PSB (GenesiSX-R1000)

  • #2
    ya gimme 15 minutes notice for lunch but ya got time to read the small print on an insurance doccy!!??


    FOKKER!!!


    Dubs.........mmmm toasties

    Comment


    • #3
      Sif!

      So on the eight day, after wasting time faffing about with unimportant guff like heaven & earth & the waters & sky & creatures [& having a wee kip] & man.... God created PSB (GenesiSX-R1000)

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      • #4
        Originally posted by Deej@Jan 23 2006, 12:06 PM
        In relation to their insurance during rider training courses, the wording is such:
        I aint no lawyer, but I would interpret this as MCRC days…. you wont be insured.  Trak Dayz rider training days or AHG days…. you will prob be insured.

        [snapback]218331[/snapback]

        Ill call him and find out about MCRC, what does it stand for? motorcycling racing club?

        Comment


        • #5
          Damm

          I guess I'll just have to ring Ten Kate and tell to find someone else for the race...

          Comment


          • #6
            Just spoken to Shannons:

            Does not matter who it is run by as long as it is a certified instruction course it is covered!

            Take that for what it means i guess. She said MCRC would be covered as long as you are being instructed and not just racing THIS IS NOW NOT THE CASE - SEE LAST POST

            I will drop our mate the Shannons underwriter a line and get him to post up a proper definition so it is in writing

            Comment


            • #7
              Im on it guys, just got home from work will post from work tomorrow with a definitive answer.

              Comment


              • #8
                Keep one thing in mind folks.... MCRC days are days to teach you how to be a better racer. Trak Dayz days are to make you a better rider on and off the track. I do not think MCRC days would fit in Shannons cover. We will see.

                So on the eight day, after wasting time faffing about with unimportant guff like heaven & earth & the waters & sky & creatures [& having a wee kip] & man.... God created PSB (GenesiSX-R1000)

                Comment


                • #9
                  Hey guys

                  Have spoking with senior underwriter and MCRCWA and similar days which are Run under a Motorcycling Australia or Motorcycling WA affiliat will not be cover. The spirit of the cover is to cover the bikes for training for road skills, run by a qualified instructor, rather then race or speed event training.

                  So more or less what Deej said is correct.

                  Cheers
                  Sean

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                  • #10
                    Cheers for clearing that up.

                    Deej

                    So on the eight day, after wasting time faffing about with unimportant guff like heaven & earth & the waters & sky & creatures [& having a wee kip] & man.... God created PSB (GenesiSX-R1000)

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