The definitive motorcycle insurance thread

**jonnyk5614** · 25th January 2016, 14:06

Yup - makes sense

I'd never let them do two excesses lol.

But I wouldn't be keen to have a contents claim at renewal time

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**swbarnett** · 25th January 2016, 15:17

Originally Posted by jonnyk5614

their "approved repairer" is Harley Davidson (for a Suzuki GSXR???).

This alone would stop me using them.

**jonnyk5614** · 25th January 2016, 19:36

Originally Posted by swbarnett

This alone would stop me using them.

Meh - they aren't too fussed about my using Colemans.

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**jonnyk5614** · 27th January 2016, 14:53

Just had a call from the assessor. Based on his "experience" alone (so no real assessment), he is writing it off.
His value for a 2004 GSXR $6500. My declared value $6200. Just got to make sure I get that + my gear now....

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**yevjenko** · 27th January 2016, 15:42

Sounds like it's coming along nicely. The ami assessor down here in Wellie is a car guy. No real idea of what the issues are in bike accidents. Will talk more when it's settled...

**jonnyk5614** · 28th January 2016, 08:00

To be honest, I just want her back lol

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**jonnyk5614** · 5th February 2016, 13:53

Right

AMI changed their tune - gear is under contents so 2 $500 excesses. Not too impressed....

The other driver was ignoring answerphone messages but eventually got caught out when he tried to use a relative's insurance and pretend that that relative had the crash.

So he isn't insured...

AMI will take him to tribunal and then return my excesses.

More time though......

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**G4L4XY** · 8th March 2016, 22:19

If you're travelling the country for 1-2 weeks do you need to let your insurer know? I only ask as part of the policy is that the bike is garaged at my address.

**Ender EnZed** · 8th March 2016, 23:03

Originally Posted by G4L4XY

If you're travelling the country for 1-2 weeks do you need to let your insurer know? I only ask as part of the policy is that the bike is garaged at my address.

I'm not an insurance expert but I'll go ahead and say no. "Garaged at" doesn't mean "always at".

**Corse1** · 9th March 2016, 06:04

Originally Posted by G4L4XY

If you're travelling the country for 1-2 weeks do you need to let your insurer know? I only ask as part of the policy is that the bike is garaged at my address.

I think the wording in my policy is "When at the insured address it must be garaged at all times" but I did let them know when I did the Burt just in case...

**jonnyk5614** · 9th March 2016, 08:44

Bike theft with a trailer is usually planned - so they only want to know about places where people can see your bike and plan to pinch it.

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**Oscar** · 9th March 2016, 08:48

Originally Posted by jonnyk5614

So just putting in my first ever insurance claim.

I'm with AMI although the other guy will probably be found at fault.

Did the claim form online and after 3 days they hadn't called back so chased them.

Now all is rolling - their "approved repairer" is Harley Davidson (for a Suzuki GSXR???). I said I'd prefer Coleman Suzuki. No hassle - just no guarantee on the repairs. Think Colemans should stand by their work so no issues there....

They said gear came under my home/contents insurance (which is with them). I got a bit pissy and said "are the seatbelts and airbags in the car house/contents? These aren't fancy designer clothes - it is safety equipment that is the difference between living and not" and they agreed to call them "accessories", albeit at market value so we will see how that goes.

Just got to wait and see what their assessor says now.

Overall sound helpful, albeit a bit "what is this motorbike you speak of?".

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When you insured the bike, did you mention your riding gear?
Did you add it to the sum insured and pay extra premium on it?

**Snow Mann** · 31st July 2016, 17:28

Hi there can any one point me in the right direction for good all round value for money bike insurance ??? Like to know who pays what . I have one quote for about $650 per Ann.

**MIXONE** · 31st July 2016, 17:54

Originally Posted by Snow Mann

Hi there can any one point me in the right direction for good all round value for money bike insurance ??? Like to know who pays what . I have one quote for about $650 per Ann.

I'm insured with Swann and as far as I'm concerned they are the best.