bigjohnsd
'21 R1250 GS Adv
When a friend had a little "Incident" which resulted in ER removal of his gear and some serious sheet time thereafter he made mention of examining the cost of your riding gear and what your coverage was for replacement.
It took me a while but when my policy came up for renewal I looked at the coverage limits and realized my Safety Gear was covered to $1,000 and my Accessories to $3,000.
When I added up the retail cost of my "Safety Gear" I realized I was way underinsured. Granted, we often get a little break on our purchases but these prices come from REVZILLA:
Helmet – Klim Krios Pro Carbon Fiber Helmet - $699.99
Helmet Communications Device – Cardo Packtalk Bold - $288.96
Jacket – Klim Latitude (Grey) $649.99
Pants – Klim Latitude (Black) $499.99
Gloves – Klim Adventure GTX Short Black $179.99
Boots – TCX Baja Goretex Boots - $369.99
Total replacement cost - $2688.91 plus tax at 6.5% + $2863.69
I'm not here as an advocate for Klim, though it looks like it above.
If you haven't done the drill above it might behoove you to check out replacement cost for your equipment and to examine your coverage.
I'm raising the coverage limits on my Safety Gear to $3,000 now and I've started adding up the cost of my Farkles to check the $3,000 accessory coverage limit as well.
YMMV
It took me a while but when my policy came up for renewal I looked at the coverage limits and realized my Safety Gear was covered to $1,000 and my Accessories to $3,000.
When I added up the retail cost of my "Safety Gear" I realized I was way underinsured. Granted, we often get a little break on our purchases but these prices come from REVZILLA:
Helmet – Klim Krios Pro Carbon Fiber Helmet - $699.99
Helmet Communications Device – Cardo Packtalk Bold - $288.96
Jacket – Klim Latitude (Grey) $649.99
Pants – Klim Latitude (Black) $499.99
Gloves – Klim Adventure GTX Short Black $179.99
Boots – TCX Baja Goretex Boots - $369.99
Total replacement cost - $2688.91 plus tax at 6.5% + $2863.69
I'm not here as an advocate for Klim, though it looks like it above.
If you haven't done the drill above it might behoove you to check out replacement cost for your equipment and to examine your coverage.
I'm raising the coverage limits on my Safety Gear to $3,000 now and I've started adding up the cost of my Farkles to check the $3,000 accessory coverage limit as well.
YMMV