Insurance Coverage question?

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Mr Zog

Grey Hound
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Location
Palm Bay, Florida, USA.
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Questions for the insurance experts to answer please...  :thumleft:


Scenario 1. So, there I am, happily riding down the road on my expensive BMW 1200, the one with a water radiator.

Next thing, a stone flies up and makes a hole in my radiator. Water pisses out, and 5 km down the road the engine seizes.

Scenario 2. I am riding my KTM 1190 down a dirt track. I hot a boulder and make a hole in the engine casing. All the oil falls out, and 2 km later the engine seizes.


Question: Would the engine damage (seized engine) be covered on my insurance policy?
 
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