Vindicated!

I spent lunchtime yesterday filling out a "War and Peace" sized
application form for Income Protection Insurance. Along with the
various crucial things that the insurance company apparently needed to
know about me (height, weight, medical conditions, shoe size...) was a
fair-sized section devoted to "hazardous activities". This was
concerned with details such as:

* Scuba diving;
* Bungy jumping;
* Hang gliding;
* Parachuting;
* Any form of football;
* Competitive motorsport;
...
* Trail bike riding.

Nowhere in there could I find an entry for "riding a motorcycle on the
road", so I'm pleased to point out that road motorcycling must be an
inherently "non-hazardous" activity.

I should have kept a copy to show to those trail bike riders who
regularly call *me* crazy for riding on the road! ;-)


BTH

 

I waded through an hour and a half of similar with AXA - about 4 weeks
ago. THEIR form includes regular motorcycle riding (ie: commuting) as a
High Risk activity.

I'm not sure if it was my "daily" response to that, my little flirtation
with cancer, or my age - but I got a call yesterday to say that my
application for income protection insurance had been denied.

Looking on the bright side, I've saved $700 per year in premiums.

---
Cheers

PeterC [aka MildThing]
'81 Suzuki GS450-s
'87 BMW K100RT

www.dmcsc.org.au

 

(BT Humble) wrote in

I recall having a similar pleasant surprise with my income protection
insurance. BTW I see many, many more injuries from trail bike riders in
the Emergency Department than road riders.
S.

 

I have the forms at home, I haven't read them yet, but the guy said that
motorcycle riding isn't considered hazardous. But I will read the paper
work. This is with ING.

 

In aus.motorcycles on 17 Feb 2004 13:12:05 -0800

Who is it through? Did you have to get a medical, or did they take your
word?

Zebee

 

Mine was the same. Even "the occasional track day" was fine,
apparently. Just not competitive motorsport.

Jules

 

I used to use it in the early 80s to keep those painful life insurance
salesmen from ringing back.

"Yeah - I'm an ex-asthmatic who goes scuba diving each weekend. Did I
mention I ride a motorbike, race cars and have a pilots licence?"

<Click>

Cheers


Kevin Gleeson
Imagine It
West Hobart
Tasmania Australia
www.imagine-it.com.au

 

AMP. I've had a policy with them for about 9 years, and I was just
changing the waiting & benefit periods. They didn't want a medical,
and I'm still waiting to see if they want blood tests done (doubtful
since I ticked the "AIDS exclusion" box).


BTH

 

Did you tell them you drink those blue poofter drinks?



big

 

It all comes down to the wording of it, and the courts would take
their side if it came down to it - you can bet on it.

 

That one's not up to your usual standard, Big.

(The last time I heard a gay=AIDS joke was when those "Why are
Aboriginals called Boongs" type of jokes were still fashionable).


BTH

 

In aus.motorcycles on 19 Feb 2004 12:46:25 -0800

That's OK, Bobby will come up with a few real quick.

Zebee

 

My job prevents me from getting it. Apparently designing muniitons is
considered hazardous. Try getting a hazard allowance though

Regards


Steve

 

I would have thought that either the constructing or the testing would
be the hazardous part?


BTH

 

A.D.I. ?