Bike insurance?

[Will the ninja]

This has most likely been covered. But I was flamed at work because I ride without insurance. I've been doing it for years without any problems, so am better off without it. Sure I've had close calls but generally I would say I'm a careful and responsible driver.

I did a Protecta quote online and its $50 a month for full and $36 for third-party. And that is without mods totalling over $1500 or the likes. You see, I've done so much to my bike, I'm under 25 and it's a late model sports bike.

Like sure I understand how people say you shouldn't own a vehicle if you can't pay for it. But I can, BUT I'd rather continue driving safe like I do and spending that money on other things. Is that sensible or selfish?

[Mom]

Many people get away with not having insurance. The only thing I will say to you is think about the consequences of collecting a late model vehicle (car) and it being deemed your fault. You will pay, and if you cant you may as well go and spend $45 at the courthouse and bankrupt yourself.

Personal responsibility and all that. Good luck!

[Gremlin]

Sensible if you can pay for any damage you are responsible for. Not sensible if you can't. Seems logical to me.

I'd love $50 a month. Mine is around $130.

[Ninja82]

Did you try Swann Insurance? They also cover Track/Ride Days with no extra excess on your claim (should you have the misfortune of crashing) and your gear (helmet, pants, jacket, gloves etc) all govered too.
Worth ringing around but you'll find that most of them IF they cover track days they'll have double/triple excess. I found Swann to be the best for me.

[YellowDog]

Will buddy, as painful as it may seem; you should look at insurance as part of the cost of ownership.

Without insurance, you're virtually playing Russian Roulette!

In addition to what has already been said; what if someone steals your pride and joy?

[yachtie10]

$35 a month for 3rd party? your taking the piss:shit:

I pay about 50 per month for full or $2 per month for third party with AMI

[Will the ninja]

Will buddy, as painful as it may seem; you should look at insurance as part of the cost of ownership.

Without insurance, you're virtually playing Russian Roulette!

In addition to what has already been said; what if someone steals your pride and joy?

Seriously looking into it now. I think kiwibike seems to be the cheapest. I might just get 3rd party, fire and theft. I'm pretty good at the maintenance and servicing side of things.

I think the fact that I have never had insurance, is what makes me so careful on the road. Cos I know what the consequences are. And thats why I've never had an accident. But there's always a first for everyone

[Gibbo89]

i have not had a crash, and i have insurance... what does that make me??

also try NAC, they were cheap when I was looking around (i'm an L plate rider and am under 25). they were well under $1500, i know my bike isnt worth as much as yours

[psycho22]

Seriously looking into it now. I think kiwibike seems to be the cheapest. I might just get 3rd party, fire and theft. I'm pretty good at the maintenance and servicing side of things.

I think the fact that I have never had insurance, is what makes me so careful on the road. Cos I know what the consequences are. And thats why I've never had an accident. But there's always a first for everyone

Kiwibike is defintely the best, only them and swann would even insure me at all. I'm 18 and own a 1000 and i'm only paying 50 a month for full.

No matter how careful you are you can still get hit very easily.

[Gremlin]

Kiwibike is not an insurer. They are a broker, using the likes of Swann, Star etc... Just in case you're wondering

[psycho22]

Kiwibike is not an insurer. They are a broker, using the likes of Swann, Star etc... Just in case you're wondering

Yeah now that you mention it I do remember reading something like that in the paperwork.

[hayd3n]

Kiwibike is not an insurer. They are a broker, using the likes of Swann, Star etc... Just in case you're wondering

yes, and its their job to find you the best deal that suits your needs, and you deal with them if you have any claims
ie they do all the chasing around/paper work if you have a misadventure.

[BuzzardNZ]

Re SWANN Insurance, I had a bike written off and was fully insured by them.
Took the arseholes 7 months to cough up the cash.

No one else was involved in the crash, slipped on oil and flipped the bike, so shouldn't have taken that long to resolve.

Wankers. :angry:

[Bald Eagle]

Well after a hit & run disqualified driver took me out on Monday I was very glad I had insurance.

Accident monday - bike assessed and written off by State Ins Wednesday, $$$ less the excess in my bank Friday.

Just need the police to give me offender details and State should refund me the excess.

[Gibbo89]

I'm 18 and own a 1000 and i'm only paying 50 a month for full.

who'd you have to sleep with to be able to buy a sv1000?!

[Owl]

Seriously looking into it now. I think kiwibike seems to be the cheapest. I might just get 3rd party, fire and theft.

Careful of Third party, fire & theft. You'll often find it's more expensive than comprehensive with the same company.

[psycho22]

who'd you have to sleep with to be able to buy a sv1000?!

Haha worked my arse off mate.

[Buckets4Me]

This has most likely been covered. But I was flamed at work because I ride without insurance. I've been doing it for years without any problems, so am better off without it. Sure I've had close calls but generally I would say I'm a careful and responsible driver.

I did a Protecta quote online and its $50 a month for full and $36 for third-party. And that is without mods totalling over $1500 or the likes. You see, I've done so much to my bike, I'm under 25 and it's a late model sports bike.

Like sure I understand how people say you shouldn't own a vehicle if you can't pay for it. But I can, BUT I'd rather continue driving safe like I do and spending that money on other things. Is that sensible or selfish?


where do you live i could do with a nice flash sports bike :p
you insured for that ?

or if you try riding off before I get there i may just have to knock you off (I have no insurance and am on the dole )
you insured for that

give you $5 a week to pay the damages off :)

my sister has a very expensive car and has a habit of cutting bikes off and stoping infrount of them
you fail to follow with enough room to stop short then you will have to pay for the damage to her car

hope you are insured for that

now about your safe and crash free riding
did you notice that loose gravel around the fast lefthander ?
or the diesil from a burst petrol tank on a truck as you went around that last corner ?


if you have spend good money on your bike protect the invetment with a little insurance


good luck and have fun

[breakaway]

Have to agree with Buckets4Hire here.

Insurance is to protect YOUR investment, not to help some other asshole. For this reason, it's 1st party or nothing for me.

Like B4H said, if some south auckland-dole budging douche hits your bike and completely totals it, and the police find him at fault, and you go to small claims and win all costs (how much is your bike worth? Like 6 grand at least?), then he will say "oh bro I got no money can we set up a payment plan?" and Small claims court will order him to pay you back at $5 a week until the full amount is paid off. That's 6 years before you see your $6000 back.

THIS is why you have insurance. Not because of the age old "Oh man what if I bump into a Ferrari?". Fuck off. How many Ferraris have you seen driving around? And out of that, what are the odds that you will have a crash? And out of that, what are the odds that it will be your fault? And out of that, what are the odds that it will be an expensive euro or late model jappa?

[Owl]

$5 a week until the full amount is paid off. That's 6 years before you see your $6000 back.

No, that's about 23 years:laugh:

[breakaway]

23, 6, same thing :p

[St_Gabriel]

Well after a hit & run disqualified driver took me out on Monday I was very glad I had insurance.

Accident monday - bike assessed and written off by State Ins Wednesday, $$$ less the excess in my bank Friday.

Just need the police to give me offender details and State should refund me the excess.

Another thumbs up for State here, had a SMIDSY turn across my path, her fault, bike Accident on Thursday, Assesed Friday, Written off Monday, Money in bank on Wednesday. So obviously not a fluke on their behalf.

[imdying]

my sister has a very expensive car and has a habit of cutting bikes off and stoping infrount of them
you fail to follow with enough room to stop short then you will have to pay for the damage to her car No, cutting in front of somebody and slamming the brakes on, will not result in anybody but her having the pay out. Additionally, she'll have a nice little careless driving charge to remind her not to be a stupid bitch :sunny:

[neels]

No, cutting in front of somebody and slamming the brakes on, will not result in anybody but her having the pay out. Additionally, she'll have a nice little careless driving charge to remind her not to be a stupid bitch :sunny:
Only if there's a witness, otherwise you hit them from behind and it's your fault.

I'm insured with AA insurance, about $35 a month from memory for full insurance, and because I have so much other stuff insured with them they even gave me a no claim discount and covered a Ducati which is on their we never insure them list.

[imdying]

Only if there's a witness, otherwise you hit them from behind and it's your fault.Nah mate, they dont' just totally disregard your (either parties really) version of events. Cops might be a lot of things, but practised in picking liars is one of their good points.

[cbfb]

The other thing about uninsured drivers is they push premiums up for the people who are responsible. Be nice, I couldn't even buy a dozen beers for what it costs me to insure my bike per month.

Costs me $12 a month to insure my 250 Bandit fully comp on a Learner's. Bike's not worth as much tho and I am 31.

[gazmascelle]

i pay $21 a fortnight with state for full cover. An old asian guy backed into my bike a month ago, about 5g of damage aparently? didnt take them too long to make a decision (maybe a week) and got my bike back a couple days ago. Had to pay the excess, still waiting to have it refunded. Not that im complaining, stoked as to have my bike back, looking better than it did before the accident. Bonus

[Buckets4Me]

Nah mate, they dont' just totally disregard your (either parties really) version of events. Cops might be a lot of things, but practised in picking liars is one of their good points.

it's hard to say it's not your fult when you failed to stop short

you are in the wrong if you hit someone from behind (trust me I know) and then you would have to prove that it was the other driver at fault (and my sister will never admit she cant drive )

no the cops cant pick a liar. they take the most likely story. It's more likely that you where following to close to stop or speeding (who would stop in the middle of a motorway and even if they did you should be traveling so that if something is there you can stop in time)

[Buckets4Me]

The other thing about uninsured drivers is they push premiums up for the people who are responsible. Be nice, I couldn't even buy a dozen beers for what it costs me to insure my bike per month.

Costs me $12 a month to insure my 250 Bandit fully comp on a Learner's. Bike's not worth as much tho and I am 31.

but what about the gear you are wearing a lot of insurances cover that as well
mine will cover 8k for helmit jacket pants boots gloves etc way more than my bike is worth

[Jonno.]

A lot of 3rd party insurance has a clause which will pay you for being damaged by an uninsured driver for up to 2-3k and go after them for you.

Also I know someone paying off 7k damage $20/week for damaging an audi :yes: