Ok, this is getting rather frustrating and ive spent the last 45 minutes on the phone to a couple of different insurers to attempt to get a straight answer on this one. As you may be aware i was knocked off my bike at a standstill this morning damaging my bike, my jacket and helmet. The damage to my bike isnt overly extensive but the total bill looks scary enough, and my jacket has an extra scuff or two on it that im happy enough to leave as a battlescar... BUT my helmet hit the ground with enough force with my head in it and im not one to be taking chances - ESPECIALLY as this incident was not my fault. So... the other party (at fault) has Third Party insurance which is a good thing, but i'm trying to find out if that policy covers damage to my gear as a result of their stupidity, or if i'll be left high and dry and having to chase it through my own legal avenues. I'm sure theres a few people out there that have been knocked off their bikes, so what happened with your helmet and gear?