South West Bikers | Motorcycle Forum

TOTAL LOSS ONLY COVER: When damage to structural components (not the “pretty bits” – see below) means that the cost of repairs or replacement would exceed the market value of the bike. This would result in the bike being written off and the insured would be paid the market value of the bike less the policy excess.

GROUND UP COVER: The cost of repairs or replacement of structural components (again, not the “pretty bits” – see below) is covered, up to the point that insurers decide that the bike is uneconomical to repair when the bike will be written off and the market value paid less the excess, as above.

STRUCTURAL COMPONENTS: Think of what is called a “naked bike”. Every component is necessary – the mirrors, handlebars, levers, speedo&tach , footrests, exhaust and silencers, forks&suspension, steering yokes, frames&subframes, wheels and all associated components, discs & calipers, master cylinders, tank, tail-lamps etc. Otherwise they are:

PRETTY BITS (Bodywork & Fairings): Top fairings, cowlings, seat cowls & fairings, side panels, infills, windshields and fairing screens, belly pans, air ducts, inspection panels, undertrays, huggers and any other components that could be described as such.