Hi Guys, My name is Jon and I work for ..lets say a "big insurance company" that holds customers all across Australia. My daily job consists of theft claims all the way to hail damage claims and I can assure you that theres never a dull moment. A few things I have noticed when I deal with claim denials, refusals or cancellations is that customer's are never informed enough at the time of buying a policy. So I wanted to give the newbie's some tips when it comes to picking a policy but I also wanted to throw in some tips for the veteran's. Tip #1 - Always read your PDS Many customers have claims denied because they didn't know they weren't covered for certain events. A famous example I deal with almost every day is "I left my riding gear on my motorcycle now its missing". Unless your PDS clearly states that your riding gear is covered for theft then you need to keep your gear under lock and key! Or attempt to insure it under your home contents policy (if you have one). If not then I advise you shop around to make sure your provider has your riding gear well protected. Tip #2 - Check what personal items are covered Many customers don't know if the stuff in their backpack is covered or even if the contents in the saddle bags are covered. For many insurance companies they won't cover whats INSIDE a backpack or saddle bag because the risk is far too great for them to calculate and to put into a premium adjustment. A common example I get is "so your telling me my prescription reading glasses in my harley bag isn't covered". Again it always pays to read your PDS. Tip #3 - No collision? Then you have an at fault claim Veterans of the forum that read this may be thinking "hey hold on a second, if someone pulls out in front of me and I drop my bike, how is that my fault". Let me explain, if a collision has not occurred between parties then it is very hard to recover costs off another party. For example "Car A reverses out of driveway and doesn't see motorcycle A until last second and hits the brakes. Motorcycle A who saw car failing to give way hits the brakes and drops the motorcycle causing damage. Because there was no collision as an insurance company we cannot prove who is more liable for the accident as Motorcycle A made a conscious decision to drop their motorcycle and Car A reversed and didn't see the motorcycle. In this instance it would be a simple case of EBO (each bear their own costs associated). If you have comprehensive insurance then your excess would apply and we would fix your motorcycle. This points leads me to my final tip Tip #4 - Always have comprehensive insurance If your involved in the above situation which I'm sure many riders have been in before and you don't have comprehensive insurance then you can kiss your sweet earn't money goodbye because third party insurance will only cover the damage you cause to other party's property (car's, fences, you name it!). Comprehensive insurance can be expensive yes! But simply put, its better to have a back up option which is what comprehensive insurance gives you than no back up option which means your bike is stuck in the garage for the next 6 months as you work off to pay for it. I hope these tips have made your brain think! If you do have any insurance questions then I'm happy to help out as I'd rather know riders out there are protected and safe. **Please note I will not disclose who I work for and will not promote any particular company over another** Thank you.