So Sunday before last I had my 2018 1200 GSA hit on a roundabout. I was on the roundabout with no traffic near me, blinker on for the "Second exit" and a woman whom I am sure was on the phone just drove straight in looking directly in front of her. Lots of air horns, strobing driving lights and she still looked straight ahead. Meantime I have gone full jihad on the brakes, ABS is firing and still she is looking straight ahead. Almost as if she is in a trance. I am looking for a way out.... didn't find it. Houston, we have contact! Her car hit the left hand pannier, bike went down lots of noise and I roll / slide onto a traffic island. Bottom line is I am gravel rashed through my jacket on my left forearm and my left knee. Jacket and pants stayed together. Few hours in casualty and the bride picks me up with help from Sleepy John. The GSA.. well poor old MAXine is rooted. Write-off. Like left hand crash bar through the camshaft over and destroyed the inlet camshaft drive gear. Final drive, both wheels and on it goes. Insurance: Always been with Shannons for my bike, my Calais and her Z4. And never had an issue with a claim before. Always good to deal with. Until now. Shannons advertise new for old replacement up to 2 years old. The GSA would have been 2 years old come mid July or so. Sounds good? Well not really.. you see if I had of signed up with Shannons last year it would have been 2 years and if I had renewed with Shannons in July 2020 it would have been 2 years from that point on. (Useless as the bike would have already been 2 years old) So because I signed up for this bike in July 2018, only 12 moths new for old applies. But this would become 2 years upon any renewal from June 2020 onwards. But the bike would be 2 years old come July so null and void. Stupid So no new bike for Happy and Shannons want to pay me the agreed value. I said at this point I would not accept the offer and have told them I want the decision sent higher. This arbitrary point in time on a calendar where customers who have been with them longer get not as good treatment as their new customers is.. well disappointing. Other bike insurers now offer up to 3 years replacement new for old. (Been busy on the net today) Shannons have not been the cheapest insurers ever, but I cheerfully paid up as I believed that their performance where the rubber meets the road would have been better. Just getting riding gear replaced is a bit weird.. different people call me all the time. I thought they would have assigned just one person to handle the claim from start to finish. Not this time! So if you are insured with Shannons, and your bike is under 2 years old; then do yourself a favour and read the PDS on their website. As usual they play ducks and drakes with the wording. Shannons/Suncorp/AAMI are all the same. If I cannot get them up into a new bike (talking $5K here) then I will move all of our vehicular insurance somewhere else. I am not vindictive about this, just a business decision. I go where I am looked after. We shall see what happens in the fullness of time.... in the meantime, check the fine print on your bike policy. I am OK, up and about.. SWMBO is now OK about another bike. She wasn't too happy though when I rang her from the ambulance I can tell you.