Insurance - WTF!

[dodgyguy]

So I'm the proud owner of a yammy R6! I paid for most of it out of my own pocket but need to get finance for a couple of grand. No beef to the fianance company they were really good, they even recommended a good insurance company - State.

So i gave state a call, jump through all the right hoops and got a quote - $1500 per year! i mean WTF! :weird:

So who do you recommend and how much should i be looking at?

[MSTRS]

People speak highly of Kiwibike.
If you are over 30, give Classic Cover in Hamilton a call.

[mikemike104]

I reccomend NAC

see this thread - http://www.kiwibiker.co.nz/forums/showthread.php/132218-Bike-insurance

[ukusa]

yeah, don't go through a "household" insurance company. They know fuck all about bikes.
Try Kiwibike for a quote, they almost halved my premiums from previous co. Vero

[Rosso]

Agree , go to Kiwibike motorcycle insurance , they are brokers for a number of companys , currently the best of those seems to be Protecta , Jenna or Donna will give you the best , I have been with them for years and they are great, no hassle , and excess is normally around $250 with roadside assist , have saved my mates up to 350 bucks by putting them onto them, after been ripped off by the likes of State and NZI etc.

[dodgyguy]

Wow Kiwibike is heaps cheaper!

Thanks for the help guys!

[cbfb]

+1 for NAC

[p.dath]

People speak highly of Kiwibike.
If you are over 30, give Classic Cover in Hamilton a call.

+1 for Kiwibike.

[simpy1]

+1 from me for NAC, they were by far the cheapest, plus they have been friendly on the phone, and offer 24 hour roadside assistance.

Haven't had to lodge a claim though...that's when all insurance companies get dodgy...

[SMOKEU]

+1 from me for NAC, they were by far the cheapest, plus they have been friendly on the phone, and offer 24 hour roadside assistance.

Haven't had to lodge a claim though...that's when all insurance companies get dodgy...

It took over a month for them to get their shit together when I stacked my car.

[zeocen]

State are fucking skewed when it comes to motorcycles. The ZX-14 is $38 a month, the Hornet 900 was $36 a month... the VFR800 skyrocketed to $105 a month - I called them and managed to get it down to $80 a month but even that is ridiculous.

I had a quote from Kiwibike at a good deal cheaper + gear + track days, all I need to do is remember to call them!

[cbfb]

State are fucking skewed when it comes to motorcycles. The ZX-14 is $38 a month, the Hornet 900 was $36 a month... the VFR800 skyrocketed to $105 a month - I called them and managed to get it down to $80 a month but even that is ridiculous.

I had a quote from Kiwibike at a good deal cheaper + gear + track days, all I need to do is remember to call them!

That's true, NAC cover track days as well.

[cbfb]

State are fucking skewed when it comes to motorcycles. The ZX-14 is $38 a month, the Hornet 900 was $36 a month... the VFR800 skyrocketed to $105 a month - I called them and managed to get it down to $80 a month but even that is ridiculous.

I had a quote from Kiwibike at a good deal cheaper + gear + track days, all I need to do is remember to call them!

That's true, NAC cover track days as well. I pay $12 / month for my Bandit.

[BuzzardNZ]

I reckon take a punt and go it alone, i.e. don't bother with insurance.

[Gremlin]

so if Kiwibike give me a quote for $1500 a year... I wonder what these others would give me? :eek:

I know Protecta was over $2k...

[KiwiNinja]

I'm with Star Insurance and they are brilliant.

http://www.starinsurance.co.nz/

They are not the cheapest but still reasonable and they cover me for the track at no extra cost.

And the track is where an R6 belongs!!! :eek:

[simpy1]

It took over a month for them to get their shit together when I stacked my car.

That sounds fine to me - State took about 3 months when my car got broken into. And they asked me "Do you want to be able to use the same key for the ignition and the driver's door?". I was too stunned to say anything.

[p.dath]

I reckon take a punt and go it alone, i.e. don't bother with insurance.

I'm tired of this attitude. It shows a lack of regard for other users - the ones that may have to incur an expense from mistakes that you make. The road is a shared medium, and your accidents often don't just impact your wallet.

ps. Full motorcycle insurance is sometimes cheaper than third party motorcycle insurance.

[MSTRS]

That's true, NAC cover track days as well. I pay $12 / month for my Bandit.

$12 a month?! Is that 3rd party?
No way anyone is insuring a bike at $144 pa.

[bogan]

$12 a month?! Is that 3rd party?
No way anyone is insuring a bike at $144 pa.

my classic insurance is $164pa from swan for full :D

[imdying]

I'm tired of this attitude. It shows a lack of regard for other usersWhat a load of shit. Just because somebody doesn't have insurance doesn't automatically mean they're going to shirk their responsibilities.

[simpy1]

$12 a month?! Is that 3rd party?
No way anyone is insuring a bike at $144 pa.

Mine's with NAC and it is $12.64 per month so $151 per year for comprehensive insurance. Granted, it's a 250 and only worth about $2500...but still, NAC was much cheaper than other places.

[MSTRS]

And I thought CC was cheap (at under $300 it is, but...)
I'd best be checking out this other lot.

[Gremlin]

Kiwibike has come through for me again. Was told by another broker (not naming, but well known here) that they have the best quotes. Kiwibike was $40 cheaper.

Now, I'm not playing them against each other for $40 (Insurance is just over $1500), but since I'm already with Kiwibike... no brainer huh? :eek:

[dodgyguy]

What a load of shit. Just because somebody doesn't have insurance doesn't automatically mean they're going to shirk their responsibilities.

No, but i cant see may people forking out for a new merc, porsche or lambo if they hit it.

TBH compulsary insurance would be great for the public and bike community as a whole.

[cbfb]

$12 a month?! Is that 3rd party?
No way anyone is insuring a bike at $144 pa.

Yeah mate, $12.64. It's only a 250 and at least 20 yo tho.

Maybe you live in a dodgy area ;)

[MSTRS]

.

Maybe you live in a dodgy area ;)

Hey! I don't live in Hastings...
...or Woodville

[BuzzardNZ]

I'm tired of this attitude. It shows a lack of regard for other users - the ones that may have to incur an expense from mistakes that you make. The road is a shared medium, and your accidents often don't just impact your wallet.

ps. Full motorcycle insurance is sometimes cheaper than third party motorcycle insurance.

I do have 3rd party and did have full for ages. Now I only ride the bike on weekends, so its not worth it. Screw you and your holier than thou attitude. Fucking jerk-off. As for full being cheaper than 3rd, what fucking planet are you on kunt?

[cbfb]

Hey! I don't live in Hastings...
...or Woodville

Ha ha the thieves in Woodville are so desparate they ripped off 4 plastic chairs from my garden just before Xmas, worth approx $7 on TM.

Didn't bother claiming for them...

[Rhubarb]

I'm with Protecta. $20 per month, comprehensive full cover on the Boulevard including 24/7 Roadside Assist.

I tried State, AMI and the local Suzuki dealer but all were at least twice the price of Protecta.
Protecta even insured the bike while it was in transit with BikeTranz.

www.protecta.co.nz

[imdying]

No, but i cant see may people forking out for a new merc, porsche or lambo if they hit it.So your justification for stripping a personal freedom is some one in a million occurence? The only person I know who has trashed a lambo was driving it at the time... what about you?


TBH compulsary insurance would be great for the public and bike community as a whole.Except that everywhere that has it has horribly jacked pricing.

[yachtie10]

Except that everywhere that has it has horribly jacked pricing.

not actually true I pay $24 a year for third party on my bike from AMI
and yes its not a typo

[p.dath]

And I thought CC was cheap (at under $300 it is, but...)
I'd best be checking out this other lot.

I had a look at this a while ago Mstrs. There were a lot of catches (at least in my case). I was only insured overnight if my bike was stored in a locked garage (and at the time I was away from home on my bike about 4 or 5 days a fortnight, so that ruled it out for me). There was no track over option. Some other restrictions as well I can no longer remember.

It's the old adage - you get what you pay for.


I do have 3rd party and did have full for ages. Now I only ride the bike on weekends, so its not worth it. Screw you and your holier than thou attitude. Fucking jerk-off. As for full being cheaper than 3rd, what fucking planet are you on kunt?

You some up your attitude to other road users nicely don't you. It's all about you. I really hope things go well for you, because I feel for the other person who will have their life disrupted if you have an accident and right their vehicle off.

Perhaps your praying may help. Don't know.


Why don't you search this site? It has come up many times before. A lot of insurance companies do not want to provide third party motorcycle insurance, so they make it more expensive than full cover. But I'm guessing you've never even asked the question.
And I mention it, because some people go for the third party option not realising than can get a cheaper deal with more cover by going to full.

[imdying]

not actually true I pay $24 a year for third party on my bike from AMI
and yes its not a typoEh? Your profile says you're in Auckland... is that not the case?

Merc/Porsche/Lambo drivers have nothing to fear in any case, they'll probably be lease vehicles and nicely insured.

[BuzzardNZ]

It's all about you. I really hope things go well for you, because I feel for the other person who will have their life disrupted if you have an accident and right their vehicle off.



Bullshit, if it was all about me I wouldn't even bother with 3rd party.

[MarkH]

good insurance company - State.

There seems to be conflicting info here: which was it, a good insurance company or State - it can't be both!

[steve_t]

I had a look at this a while ago Mstrs. There were a lot of catches (at least in my case). I was only insured overnight if my bike was stored in a locked garage (and at the time I was away from home on my bike about 4 or 5 days a fortnight, so that ruled it out for me). There was no track over option. Some other restrictions as well I can no longer remember.

It's the old adage - you get what you pay for.




I don't suppose you know if a day at California Superbike School counts as a track day?

[p.dath]

I don't suppose you know if a day at California Superbike School counts as a track day?

Lets put it a different way. It basically only covered use on public roads.

[KiwiNinja]

I don't suppose you know if a day at California Superbike School counts as a track day?

For insurance companies who cover track days....it is classed as a track day though more as a training day so you should get a reduced excess.

For myself with Star I have a $2k excess for track days and $1k excess for Honda Ride Days or California Superbike School.

[Swoop]

So i gave state a call...


There seems to be conflicting info here: which was it, a good insurance company or State - it can't be both!
The ONLY reason you call state insurance, is to tell them that they are a pack of fucking ripoff cunts!!!

Kiwibike all the way!

[steve_t]

For insurance companies who cover track days....it is classed as a track day though more as a training day so you should get a reduced excess.

For myself with Star I have a $2k excess for track days and $1k excess for Honda Ride Days or California Superbike School.

Cheers mate. I think I'm with Star thru Kiwibike so hopefully that's the case. I'll give em a call when I sign up for CSS later on. I guess I could have just called Kiwibike rather than asked here :drinkup:

[rapid van cleef]

So I'm the proud owner of a yammy R6! I paid for most of it out of my own pocket but need to get finance for a couple of grand. No beef to the fianance company they were really good, they even recommended a good insurance company - State.

So i gave state a call, jump through all the right hoops and got a quote - $1500 per year! i mean WTF! :weird:

So who do you recommend and how much should i be looking at?

you wanna try going to uk for insurance. my last bike there, a 10 yr old gsx 600 f cost me 1500 bucks to insure..... insurance is soooooooo cheap here

[JimO]

................................

[caseye]

Ring Swann Insurance, they will provide cover for track days,with notification(no extra cost for this, as long as they're notified before the day). They paid out promptly and these days their policies also cover gear up to $3000 for the rider AND pillion.

[miloking]

So I'm the proud owner of a yammy R6! I paid for most of it out of my own pocket but need to get finance for a couple of grand. No beef to the fianance company they were really good, they even recommended a good insurance company - State.

So i gave state a call, jump through all the right hoops and got a quote - $1500 per year! i mean WTF! :weird:

So who do you recommend and how much should i be looking at?

Get a personal loan from bank, lower rates and dont need vehicle insured as they dont care what you use the money for...

[Trumpess]

Im looking for bike insurance too, so this thread has definately helped :msn-wink:

I rang my insurance provider this morning (Tower) and just about had a heart attack ... $1100 excess (wtf??), $1081 per annum or $98 a month for full cover.

I shall be giving Kiwibike a call on Monday .... thanks :yes:

[Owl]

+1 from me for NAC, they were by far the cheapest, plus they have been friendly on the phone, and offer 24 hour roadside assistance.

Haven't had to lodge a claim though...that's when all insurance companies get dodgy...

I have and in my particular case, nothing short of brilliant. I was in a position to help with the claim (repair parts/organise replacement options etc), which they gladly accepted. In return, they bent over backwards to sort the claim, accepted my advice and even waived my excess.

I just wish NAC covered riding gear at the time, cause the separate contents claim with AMI was a nightmare.:facepalm:

[Roboliu]

Thanks for the awesome advice, getting insurance with the 'household' names would've torn me a new one.