Are You Insured?

When you need to make a claim, dealing with insurance companies can be tricky, especially if you were carrying bikes on the back of your car at the time of the incident. Here are a few crucial points you need to know.

Normally, if another driver rear ends your vehicle, they are considered at fault and you can make a successful claim. However, if your brake lights, tail lights, or indicators are obscured by bikes and you do not have a compliant bike rack light board fitted, your insurance company could determine that you are at fault.

Furthermore, driving without proper bike rack lights or a supplementary number plate means you are breaking New Zealand transport laws. This legal breach may completely invalidate your insurance policy, leaving you personally liable for the repair costs to both vehicles. High quality bikes are a significant investment, and being involved in an accident without the correct safety equipment could prove to be incredibly expensive.

Do not risk your safety or your finances. We strongly recommend talking to your insurance provider to confirm exactly what your policy covers when carrying bikes. Ask them specifically what the implications are if you do not have a light bar or a supplementary plate installed. Better still, keep yourself, your family, and your bikes completely safe by investing in a Safelite panel today.