Shouldnt make any odds about whether your kit is insured or not if you claim off the other party as it will all be paid for but make sure you can give receipts and pictures of everything.
This is what happened in my claim. If you are fully comp and claiming off your insurance first and then claiming it back from the other partys insurance then it might take some time to get the money for the leathers and sutff but the bike should happen quite quickly.
Really sorry to hear that this has happened but these things are there to try us and train us so it will be one more thing to look out for in the future.
Hope your ok and that everything is going better now.
Andy
