This blog will be about the life and experiences of an active motorcycle courier in the UK who rides all over the UK and into western Europe. http://www.sdsamotorcyclecouriers.co.uk

Saturday, 15 August 2009

Another Insurance Realisation

I recently wrote a post about understanding your motorcycle insurance, well a few further things have come to light.

The first being that I had to replace the helmet and get the gortex suit repaired, neither of these are covered by the insurance. I got advice from my broker and it seems that items like these are considered be accessories or personal items and as such are not covered. I was advised to speak to my house insurance provider which I did and they confirmed that as they are personal items they would be covered as long as you have this in your policy.

The other scenario that came to mind during these conversations was personal items such as helmet, gloves, GPS etc. that are locked in your panniers or Givi box whilst you are in a clients premises picking up or dropping off or taking a break at a service area.

Now were would you be if some kind person broke into your Givi box or panniers and stole the contents, clearly your motorcycle insurance wouldn’t cover you and you would really have problems to find your helmet missing as you wouldn’t be able to legally ride anywhere!

The solution for me was to ensure that my house insurance covered me for these personal items and I also increased the cover level as well.

Just food for thought, it’s easy to take things for granted but you simply can’t afford to, check and make sure and if you haven’t got the cover get it arranged.

In fact you need to cover anything that didn't come on the bike as standard, in addition to the items already mentioned, take into account gloves, boots and any other accessories that could either be stolen or damaged in a crash.

Safe riding

Dave

Bespoke Motorcycle Wiring

I am currently getting things prepared for the last week in August, when hopefully my collar bone will be fully healed and I can get all the accessories fitted onto the new bike.

Jobs to be done include fitting the GIVI rack, the Bike Viz light and the Starcom system, relocate the 12V supply for the GPS from the right hand pocket cover to inside the left hand fairing pocket. I am also still thinking about where to locate the RAM mounts for the GPS. Currently it’s fitted to right hand reservoir clamp but I am not 100% sure about this because it means the audio output socket on the GPS will very exposed to direct rain, this requires some more thought.

Oh almost forgot, also have to fit the charging cable for Optimate as well, again I need to find a convenient place for the connector to be easily accessible without having to take the seat off. I might extend this cable and bring the charger plug into the left hand fairing pocket as well where it will be easily accessible and also protected from the elements.

Now going back to the Bike Viz lights and the Starcom, notably the Bluetooth adaptor, I need to wire these direct from the battery but also need them to be switched independently of the ignition key. I hunted round on E-bay for a waterproof rocker switch and found one, then I started looking at extra cable, crimps and crimp tool to get this new wiring assembly made.

I soon realized that I would have to buy a lot more crimps than I actually needed because of minimum quantities supplied, also I would need to buy a crimping tool and the costs started to add up.

So I contacted Greg via E-bay, the switch supplier to ask him if he could make up this assembly for me from a drawing, you know what, it was completed within half an hour of agreeing the price. I expect it arrive this morning so the whole job from initial discussion to delivery took less than 24 hours, now that’s what I call service.

If you ever find yourself in need of a bespoke wiring solution for your bike I can highly recommend you contact Greg through his web site for a no fuss service. You can find his web site here:

http://www.northerncountiesmcc.com/

You will also find lot's of other useful bits and bobs on his site, well worth a visit.

Anyaway that's about it for now, time for a cuppa.

Ride safe

Dave

Wednesday, 5 August 2009

Schuberth C2 Helmet

Yes I know I had a few small moans about the Schuberth C2 a little while ago on this blog but I take it all back.

You can read all kinds of reviews and stats about helmets but the truth of the matter is that you never really know if it's up to the mark until you really need it.

Well I can now honestly recommend this helmet through experience, despite being more than 3 years old, having been used for over 50,000 miles in all that the British and European weather could throw at it, it performed superbly when needed, the pictures below speak for themselves. When I got up after this prang I remembered reading about people who's flip tops had got stuck after a spill and wouldn't open, well this one did open with no problems, I didn't even have a headache after this smash!




I have now replaced it with another Schuberth, the C3 this time that has a pinlock fitted so that should stop the visor misting problems that I used to get.

Yes Schuberth are probably at the higher end of the helmets available, but what price do you put on your own head?

Thank you Schuberth, your helmet engineering probably saved my life.

Safe riding

Dave

Make Sure You Understand Your Motorcycle Insurance

I was recently involved in accident on the M62 which required both myself and the bike to be recovered back to my home.

I called the AA from the hard shoulder of the M62 to request recovery, thinking that they would take me all the way home but that was not the case.

Because this incident was an accident and not a breakdown the AA would only recover off the motorway as required by law, fortunately they took me about a mile up the road to the Hartshead Moor Services.

Whilst I was waiting for the AA to arrive I called my insurance broker to see if I was covered by my insurance in this event, fortunately I was and a recovery vehicle arrived at the services within half an hour and we were on our way.

I learnt a lesson on that day, that is why I say make sure you understand your insurance and what cover it provides. Yes I was surprised at the AA's stance with regard to accidents versus breakdowns but very relieved to learn that my fully comprehensive cover through Norwich Union, now Aviva were able to look after me.

In fact Norwich Union's support and actions after this event could not have been improved upon in anyway, they were superb and kept me up to date by text and phone at regular intervals so I won't be going anywhere else for my insurance in future.

If you would like to discuss your motorcycle insurance needs I highly recommend you give Kev a call at Coversure on 01780 765555 before you go buying on-line where excesses don't seem to be revealed that well or any hidden clauses. Yes you may get a cheaper price on-line but when it comes to a crunch you may not actually have the insurance you thought you had.

Best regards and safe riding

Dave

Daytime Visibility Front Lights

I have been researching daytime visibility lights for ST100 for sometime now and have finally found a product that I feel will do the job.

My criteria was that they should be small, easily fixed on the bike and draw very little electrical current and be relatively inexpensive.

The product I finally decided on is British made (a rare thing these days) and they are known as "BikeVis".

Basically they are high output LED's fitted in a small weather resistant pod that can be fitted virtually anywhere on a motorcycle to increase other road users of your presence.

I have a couple of pairs on order now and they will get fitted once my collar bone break has healed. Once I have them fitted I will take some pictures of the bike in daylight so you can see how they can increase your visibility.

If you would like more information on these BikeViz lights you can find them through this link:

http://www.bikevis.com/ridetheworld.html

Safe riding

Dave