Can't find a specific section of the forums to suit your bike-related topic? Have your say here
New here

And you wont hear any bias on here:wink: (bee)

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Ask expert fellow riders about anything to do with setting up, fixing or improving your bike
Regulator/rectifier

@jaffa90 I've no idea tbh, I'm not to clued up on the electrics

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Find out here what's worth spending your money on and what to avoid like the plague
Kickstart my new chain product

@Chaintenance said:

does not require eletrical wiring, vacuum, gravity, witchcraft

Or spell checking.

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The place to chat about your new lid, or to find out which gloves you should go for next time
New arrival fashion clohing 25%OFF Free shipping hip hop

Velour t-shirts? Velour? Like a seventies lounge suit? Do you do crimplene?....Cause I'm running low on underpants.

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Discuss the latest developments in MotoGP and its support classes here.
2016 Day of Champions, Silverstone

@alol said:

I realise it's for Charity, Although i understand the UK arm of RfH have ceased operations(?)

How much of that 50 quid do you recon get's to the actual front line....almost nowt. All goes in the pockets of admin as "expenses",............nothing more than thief's.

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Discuss the latest developments in World Superbikes and World Supersport here
Free Ice Creams

They did not say if there would be free ice creams at tomorrow's races or not.

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The place to talk about anything related to domestic racing champtionships
TT accommadation.

Hi i am looking for tt accommadation from may 30th to june 5th for 4 males. Any help would be much appriciated.

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Know where there's a 'safety camera team' in action. Share the joy here
How and where to buy Income Protection - Personal Accident Insurance

Hi everyone,

I hope this message finds you well. I've been to a few events recently & it surprised me how many riders either weren't covered or didn't think they could get cover. I'm a Business Consultant for an Insurance Protection Specialist, so just wanted to pass on some advice to anyone wishing to get themselves protected, how to do so and what to look out for.

First of all, what is the difference between Income Protection & Personal Accident cover? A lot of times they go hand in hand, but can also be taken separately. Personal Accident cover will insure YOU in the event of an accident which results in broken bones fractures, etc. will pay out a lump sum based on the severity of the injury & will also take into account how long your hospital stay is. Generally the first 24 hours are excluded.

Income Protection is the one protection policy every working adult in the UK should consider and is the very one most of us don't have. It pays out a monthly payment if you are unable to work due to accident or sickness, usually up until retirement and is often up to 65% of your monthly salary.
Who should consider this
It's wise for anyone who is Self Employed, Employed but doesn't get much in the way of Sick Pay or the main breadwinner who feels that they'd really struggle with their outgoings if they were unable to work.
You may not need it if
You have savings you'd be willing to use to tide you over. Your partner could take care of all the outgoings. You could get by on your Sick Pay.

The first question I always get asked is "How much does it cost?" It's hard to put a cost on it as everyone's circumstances are different, and shouldn't be a one size fits all. Some factors involved in the cost with the Providers are:
Age. The younger you are the cheaper your premiums will be.
Health. Some pre existing medical conditions can either have an additional cost added on to the premium, or be excluded by the Provider.
Smoker. If you're a non smoker, this can bring the premium down.
Benefit. How much you are looking to receive each month in the event of an accident. Providers will usually cover up to 65% of your net monthly take home, this along with the government benefit (which is usually under £400 a month) should take you not far under your monthly wage. Not many providers will cover higher than this, as it would end up working out that you were better off on the sick than you were working.
Deferred Period. The amount of time you'd like to wait until the policy pays out. E.g, you're self-employed and think you can take care of yourself for a month before making a claim, then your premium would be lower than a Day 1 pay out, or if you're employed & get 3 months full pay & 3 months half pay, the benefit can kick in half benefit after month 3, then full benefit after month 6, this would also be cheaper than day 1 pay out.

Some Providers will cover extreme sports & track days with no penalty & others wont even consider it. Comparison sites are convenient, but they don't always offer you a policy which is right for your own circumstances. When you're choosing a broker or someone to give you advice on any policy, whether that's for Income Protection, Mortgage Protection, Life cover, Accident cover, try & make sure you deal with an Independent Advisor & not just a Salesperson. You want someone who will ask you questions on your own circumstances to find the best cover for you & not try to push just any cover on you. Find out whether they are regulated by the FCA - which is an independent watchdog for Financial Services. (If they're not...steer clear.) Find out beforehand whether they charge a fee or not for any advice/recommendations/quotes, whether they deal with the whole of market or are tied to only one Provider and finally, do your own homework also..

If anyone is looking for any protection, I hope this has helped somewhat. Any questions just let me know.

Cheers

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Share advice and tips, routes and places to go and stay
Travel with special t shirt

I keep flagging this bastard..... come on MCN, get your arse in gear ffs.

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Loads of great tips for new riders and the chance to get together with other like minded bikers
Advice on keeping visor clear in rain

@Robert said:

Has anyone actually seen one of these wiper things in operation, and do they really work???

These work in the rain. I prefer the orange version for the "lobster hands" effect.
_
http://www.aerostich.com/clothing/rain-gear/rain-gear/aerostich-triple-digit-covers.html

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Get advice about what bikes to buy and how to get the best deal
Yamaha FJ1200 for £1000 - worth it for first 'big bike'?

@Beelady Yep got it yesterday and spent the afternoon practicing figure of 8's in the car park. Done training for my mod1 today on a honda nc700. Nice weather for it except when stationary taking instructions off the instructor, bit hot in my armoured kit.

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FAQs about our new sites. If you are having problems look for an answer here or post a question
Yamaha FZ 6 cutting out

@promomast I've replied to your PM, but this site is fickle, so you may not have got it. Hopeless on here sometimes.

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The place for chat, advice, banter, league posting and everything Fantasy Road Racing!
Look at 'Upcoming Races' in Search section?

I see the transfer lockdown countdown has now been reset to let us make transfers today.

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Get together, plan your ride outs, make the most of your biking lives!
baseball coat diy 60%OFF

Deal riders ,
maybe you want to play baseball sometimes ,a special baseball coat will be no more better.here are kinds of diy sport baseball coat.
http://amzn.to/2a3h3MD

we also offer characteristic diy tshirt.
www.pizoff.net

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