Without PSB sticker

[cap830]

Hi,

 

 

I have an Arai and a Nolan, one bought overseas and one bought locally.

However both do not come with the PSB sticker...

 

 

Lots of my friends say the sticker doesnt matter, but what would happen if your stopped by TP?

 

The most important part of my curiosity is here.

*TOUCHWOOD* but assuming something really bad happens on the road, would your insurance company pay?

I am refering to my life insurance policies, not the motor insurance. Would they refuse to pay because I was using a helmet without the PSB?

 

Anyone has any stories to share regarding the above scenario? Cos if such a scenario is possible I rather be wearing my $45 GPR with PSB sticker rather than my $800 Arai. Can't imagine they refuse to pay my policy because of a PSB sticker.

 

 

Apologies to all bros and sisters who 'pantang' talking about this, but seriouly need your input.

 

Thanks!

[fleaz]

from what i read in this forum in other threads:

 

tp usually will not stop you because your helmet do not have a psb sticker.

 

insurance may not pay if you involve in an accident without wearing a psb approved helmet.

 

please note, the above are read from this forum and not from my own experience.

[contrarian]

Originally posted by cap830@Jan 23 2006, 08:13 PM

Hi,

 

 

I have an Arai and a Nolan, one bought overseas and one bought locally.

However both do not come with the PSB sticker...

 

 

Lots of my friends say the sticker doesnt matter, but what would happen if your stopped by TP?

 

The most important part of my curiosity is here.

*TOUCHWOOD* but assuming something really bad happens on the road, would your insurance company pay?

I am refering to my life insurance policies, not the motor insurance. Would they refuse to pay because I was using a helmet without the PSB?

 

Anyone has any stories to share regarding the above scenario? Cos if such a scenario is possible I rather be wearing my $45 GPR with PSB sticker rather than my $800 Arai. Can't imagine they refuse to pay my policy because of a PSB sticker.

 

 

Apologies to all bros and sisters who 'pantang' talking about this, but seriouly need your input.

 

Thanks!

assuming that you're talking about LIFE insurance policies (as in whole life or term life), these pay when the insured dies. these pay even when the cause of death is suicide (after a one-year waiting period).

 

on the other hand, if you get into a motor accident, the OTHER motorist's liability policy may not pay the full liability IF the court decides that not having an approved helmet is contributory negligence. this would be according to the same principle as if you contributed partially to the fault in any accident.

i don't know of a case in Singapore that has been decided like this.

[3chUn]

after accident they also dunno which helmet u use mahz...

 

and arai helmet hw can dun pass?

lolx

[LollyPoP]

Originally posted by [3]`chUn@Jan 24 2006, 09:51 AM

after accident they also dunno which helmet u use mahz...

 

and arai helmet hw can dun pass?

lolx

u're wrong...

high end helmet doesn't mean all comes with PSB approve.

 

all arai comes with DOT approved, but PSB is onli in SG.

when u got into a serious accident, all things will be kept.

[tbteng]

All I know is when things happen, the insurance company will normally find all ways and means to either not pay or pay less. I have even heard about riders involved in accident on the extreme right lane. As it was his fault (He bang car), The insurance company refuse to pay as being a motorcycle, he should not be in the extreme right lane unless he was trying to overtake another vehicle.

 

I have also heard from one of my buddies in the past, that one of his friends died on the road due to an accident involving 3 cars and this chap (on motorcycle). His family got a reduced compensation as he was not wearing an approved helmet and was in shorts and slippers at the time of the accident. He was then riding a CBR 400. The insurance company claimed that he was not able to control or avoid the accident as he was in slippers and the unapproved helmet which he was wearing had contributed to his head injuries which led to his death in the crash.

 

So the PSB sticker actually matters. For us riders it doesn't need a lot of "tests" to ensure that our helmets can truely protect our lives. It only takes just 1 case and that could be game over for us. I feel very sad that I see people spend thousands of dollars on a bike but when it comes to a helmet to protect their lives, they claim that a $35 helment is already very expensive. Are our heads just worth $35? Just my 2 cents.

[stsoh]

this is a legal matter, not cost or quality of helmet.

it is by law tat u must wear a approved helmet by a govern body (PSB) and a law have not being pass to make u wear full gears yet.

fyi, there more $300 helmets.

anyway in accident helmet provides minimum protect to ur egg-head.

this boils down on legally or not.....place yourself in a lawyer's shoe.

find anything illegal n use it...to their advantage.

u can wear full gear with non approve helmet, still is illegal n will get nothing if u try to claims medical/damages.

[CivicR]

I find it lame especially the story which tbteng mention

I have also heard from one of my buddies in the past, that one of his friends died on the road due to an accident involving 3 cars and this chap (on motorcycle). His family got a reduced compensation as he was not wearing an approved helmet and was in shorts and slippers at the time of the accident. He was then riding a CBR 400. The insurance company claimed that he was not able to control or avoid the accident as he was in slippers and the unapproved helmet which he was wearing had contributed to his head injuries which led to his death in the crash.

 

A rider life is lost here and what are the liability of the driver involve in the accidents!! Just pay for damages !!

[contrarian]

Originally posted by tbteng@Jan 25 2006, 10:29 AM

All I know is when things happen, the insurance company will normally find all ways and means to either not pay or pay less. I have even heard about riders involved in accident on the extreme right lane. As it was his fault (He bang car), The insurance company refuse to pay as being a motorcycle, he should not be in the extreme right lane unless he was trying to overtake another vehicle.

 

I have also heard from one of my buddies in the past, that one of his friends died on the road due to an accident involving 3 cars and this chap (on motorcycle). His family got a reduced compensation as he was not wearing an approved helmet and was in shorts and slippers at the time of the accident. He was then riding a CBR 400. The insurance company claimed that he was not able to control or avoid the accident as he was in slippers and the unapproved helmet which he was wearing had contributed to his head injuries which led to his death in the crash.

 

So the PSB sticker actually matters. For us riders it doesn't need a lot of "tests" to ensure that our helmets can truely protect our lives. It only takes just 1 case and that could be game over for us. I feel very sad that I see people spend thousands of dollars on a bike but when it comes to a helmet to protect their lives, they claim that a $35 helment is already very expensive. Are our heads just worth $35? Just my 2 cents.

you hear, i hear, that is called hearsay.

 

the story you gave about being in the right line, summarised into one paragraph, gives not enough facts to determine what the fault was. all we get is a sweeping statement to the effect that if you're on the right lane, there's no liability on the other motorist. if that is the only reason put up, i put it to you that this insurer's defence will fail and the motorist will win. if there are other reasons, then the story may change.

 

let me say this, your insurer HAS TO PAY a third party claimant if you're at fault. there are few exceptions to this, e.g.

1. driving under the influence of alcohol and causing property damage to the other party.

2. non-insured driver such as the thief

 

note that even if you're drunk driving and cause someone else bodily injury, the insurer HAS TO PAY the third party claimant (but will then recover those damages from you).

 

the case of the unapproved helmet and slippers exactly says what's contributory negligence. as i mentioned, blame in any accident is apportioned. for such contributory negligence to attach at law, that specific act of contributory negligence must have caused or contributed to the blame. that is to say, the unapproved helmet which he was wearing must have contributed to his head injuries which led to his death in the crash.

 

in another scenario, if you wear an approved helmet and don't strap it on, it flies off, then there is contributory negligence on your part.

 

taking this further, if you wear an unapproved helmet and it does NOT fail, there is NO contributory negligence for the use of that helmet.

 

if on the other hand, you wear an approved helmet and it fails, then your head takes the impact but you (or, more likely, your estate) get to claim more damages from the other motorist. what a hollow victory that would be.

 

which leads me to agree with you on your final point. if you spend thousands of dollars on your bike, you should not stinge on a helmet. whatever you spend on protective gear like jackets, gloves, helmets, is nothing compared to the medical expenses you would otherwise incur without them.

 

this link is to an article from bmw motorcycle club singapore is from a motorcycle rider and doctor who about his own crash experience and photos:

 

http://www.bmwmcs.org/documents/The%20Usef...tive%20Gear.pdf

[sheep]

That psb sticker is rubbish...

[stsoh]

Originally posted by BaaBaa Black Sheep@Jan 25 2006, 11:50 PM

That psb sticker is rubbish...

rubbish or not......it's a regulated control authorised by sillypore garmen.

u have to abide it's regulatory.

[jkaiser]

Originally posted by BaaBaa Black Sheep@Jan 25 2006, 11:50 PM

That psb sticker is rubbish...

apparently DOT is not any better... look for snell if u want

[scooterer]

Originally posted by contrarian@Jan 25 2006, 10:45 PM

if you wear an unapproved helmet and it does NOT fail, there is NO contributory negligence for the use of that helmet.

 

if on the other hand, you wear an approved helmet and it fails, then your head takes the impact but you (or, more likely, your estate) get to claim more damages from the other motorist. what a hollow victory that would be.

 

which leads me to agree with you on your final point. if you spend thousands of dollars on your bike, you should not stinge on a helmet. whatever you spend on protective gear like jackets, gloves, helmets, is nothing compared to the medical expenses you would otherwise incur without them.

Contrarian and I don't see eye to eye on some things, but in this case I agree with him totally.

[Erotomania]

This is a gd topic. i think it's better to wear PSB approved helmet, just incase the insurance really wanna investigate throughly wat causes ur head injury (*touch all woods) than found out not wearing PSB approved. in the end cannot claim $$$ .

 

Just my 3cents of opinion

[clubhead]

Originally posted by cap830@Jan 23 2006, 08:13 PM

...However both do not come with the PSB sticker...

High end helmets like Arai and Shoei are all Schnell Foundation certified. The Schnell sticker within carries more weight than a pathetic PSB sticker. The Schnell Foundation certification process is more stringent than our local PSB folks.

 

In my opinion, Schnell surpasses PSB...

 

If get caught by TP, I'm sure there's a case to argue. Insurance too. At most go court to proof...

 

PSB is just there to safeguard other cha pa lang helmets getting into our markets with only looks good but without hte necessary protection.

 

I for one couldn't give a damn to the PSB sticker as long as the Schnell's one there...

[Tyrian]

wherever we are, we have to abide by the laws set by the local authorities.. if they think PSB sticker is the best, let it be even though u tink it sucks.. law is law.. standard is another..

 

I would say that sillypore is known as a rojak country.. learnt it from the Sinapore Quality Award lesson in school..

[shinjisan]

something i dun understand is y wld a helmet tat pass a more rigid oversea inspection cldnt get PSB certified??

[lokeks]

Originally posted by contrarian@Jan 25 2006, 10:45 PM

you hear, i hear, that is called hearsay....

thanks for sharing

 

UPZ yr point ... if there is such a system:thumb:

[Kan]

Originally posted by shinjisan@Feb 15 2006, 12:09 PM

something i dun understand is y wld a helmet tat pass a more rigid oversea inspection cldnt get PSB certified??

maybe you guys can try writing to the papers. If I'm not wrong 'Today' newspaper have a section for people to write bout their unhappiness and the authorities will clarify (under-pressure). hehe

[cap830]

Do the high ends helmets fail or were they not submitted for inspection in the first place?

[andrei]

Originally posted by cap830@Feb 17 2006, 07:59 PM

Do the high ends helmets fail or were they not submitted for inspection in the first place?

As far as I understand, they do destroy at least one helmet when making tests in PSB. Because of this the cost of certification is higher for the more expensive helmets. Taking into account that the total market for expensive helmets is not very big here, I guess sometimes it is too expensive to certify particular helmet model.

 

I really don't think they can come up with a test which allows cheep helmets to pass when Snell approved fail. Well, unless its a fake snell approved helmet.

[shinjisan]

Originally posted by Kan@Feb 15 2006, 05:32 PM

maybe you guys can try writing to the papers. If I'm not wrong 'Today' newspaper have a section for people to write bout their unhappiness and the authorities will clarify (under-pressure). hehe

yah i did tat once..

saw a policeman talk on e phone while drivin a police car...

i wrote to ST n this superintendent reply askin me to go dwn to TPHQ to meet him directly to provide a acct of wat happen...

its years already n they havent got tat policeman...i gave up..

[Raptor]

I would advise my Sikh friends not to ride a bike then.

Just my thoughts.

 

My humblest apologies to any Sikh forumner who is upset with my views.

[Throttle]

Ahboy type helmets are the "best", look at the quality, the shell sounds weak, the stitches arent straight, the padding is ill fitting sometimes and the PSB sticker is there. The PSB sticker is there, I repest the PSB sticker is there!

 

Get those helmets lah, PSB is the best.

 

Better than a hi-speed, crash tested, world class R and D proven Arai fullface without PSB certification. TP will catch....

 

thats what it is all about isnt it?

 

*Spit* if TP doesnt even know what helmets are better. Especially being riders themselves. bloody sad case.

[ryanC]

Originally posted by andrei@Feb 18 2006, 07:09 PM

As far as I understand, they do destroy at least one helmet when making tests in PSB. Because of this the cost of certification is higher for the more expensive helmets. Taking into account that the total market for expensive helmets is not very big here, I guess sometimes it is too expensive to certify particular helmet model.

 

I really don't think they can come up with a test which allows cheep helmets to pass when Snell approved fail. Well, unless its a fake snell approved helmet.

i second to that information. i currently own a non-approved arai helmet as well as i bought it from overseas. when i returned, i thought with the snell approval, it should be easy to get the PSB approved sticker. however, after numerous phonecalls to PSB and Traffic Police regarding this issue, they told me it is not possible to approve just 1 helmet as merchants will allow them to take one helmet and do testing so that it will be approved for the whole batch of the goods.

 

seems like a loophope but there isn't much i could do to provide them a better solution. so i just continue to use the helmet w/o the psb sticker. it's a no choice and expensive lesson learnt.

 

even if you got cash, they will destroy the helmet so that at the end maybe u get 1 psb sticker at the price of the testing fee plus 1 arai helmet. that's just an expression. do not take it seriously.