Originally Posted by
foreigneRS
i thought the same as you doug, that is why i have comprehensive cover on my bikes. however, you are usually offered personal accident insurance which i suppose does the same thing.

Thats what i thought Nick. The only reason i spend the extra and go fully comp is so that if i'm out of action for a long while or even dead my wife and kid would have some sort of financial compensation.
Would be nice to get tthe bottom of this.