Hi all, I'm fairly new to riding in Melbourne (bought my bike early this year) and unfortunately I had my first major spill last Friday. Was coming back from Healesville via Kinglake and managed to run wide due to some gravel on the road and put my wheel into the gutter, which made me hit the rocky cliff side. This sent me back to the road and the bike threw me out for that mistake before sliding across and off the road. The impact was violent and thankfully I was in full gear - a 2 piece suit, back protector, rst boots, gloves and arai helmet. Picked myself up and was amazed that it didn't hurt that much, though now i have sores and aches all over but not a drop of blood was shed. I called my insurance company - Insure my ride and after about almost 3 hours, the tow van finally came to help pull my bike up. It was painful to see it being literally dragged up on its side with bits falling out. Hitting the rock side also busted my left engine cover and left a trail of oil and debris on the road as the bike went on the other side. we cleaned it up eventually with a piece of rag. Alrights.. now for the questions. I've lodged an online claim with insure my ride as they are closed after office hours and on the weekends. The tow guy said that it was highly likely that the bike would be written off as the cost to repair it would certainly be more than what its worth (about 5 grand). I've also got full comp insurance with riding gear cover ($1000) and modifications/accessories ($1000). 1. How do I go about claiming for my helmet and suit? The helmet was bought some time ago and I don't have the receipts anymore. Do they just go by the current market price of it? or do i have to prove that I bought it? The suit was bought online so I still have that receipt. would i just submit all these to the workshop for the assessor to inspect? 2. How does the agreed modifications/accessories thing work? lets say I have brake lines on the bike and other stuff which are not damaged (but I don't have the receipt). Would they pay out for that on top of the agreed value of the bike? or does that come with part of the bike's value. Or can I remove and keep them? 3. The bike is not really complete as the tow guy threw out some of the parts that fell off the bike down the slope. Would the insurance company require a complete bike? 4. lastly my excess is $400, but i notice an 'inexperienced rider excess of $800. Does inexperienced mean being on Ps? or something else such as not completing an approved riders training course (which it states on my policy that i have not). I'm still considering whether I should visit the doctor regarding my sores and aches as I have an exam coming up in a couple of days and wouldn't want to miss it. Your inputs are much appreciated.