Learner insurance?

[jorabro]

Just bought my 02 VTR250.
Currently on learners, had it for 4 years and can probably get a restricted after I'm used to the bike. Tried getting a quote from State and they wont insure a learner rider. What do you guys recommend? Is it legal to ride without it in the mean time?

[Vinz0r]

Just bought my 02 VTR250.
Currently on learners, had it for 4 years and can probably get a restricted after I'm used to the bike. Tried getting a quote from State and they wont insure a learner rider. What do you guys recommend? Is it legal to ride without it in the mean time?

There are a few decent insurers around who will insure a learner rider. Check out www.kiwibike.co.nz, they're an excellent broker and should be able to find you the best deal around.
It's not illegal to ride without insurance, you just run the risk of being out of pocket of you crash/drop the bike.

[hayd3n]

+1 on kiwibike :)

[Gremlin]

+2 on Kiwibike.

Upgrade your licence ASAP. The companies are simply referring to stats, and just by being on a restricted, you'll be deemed less risk than a learner. Same thing will apply when you get your full.

[wynw]

+3 for kiwibike, just changed to them from vero and saved $500 pa.

[Danzano]

+4 I use them and I'm a learner on a 650

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[Grashopper]

+5 on Kiwibike
Have been with them since I first started riding.

It doesn't take much more than a call to them to get insurance cover, so do it before you start riding your new bike. This one call could save you a lot of trouble.

Congrats to the VTR :2thumbsup:

[St_Gabriel]

I insured a brand new bike (Hyosung GV250) on my (3 week old) learners through State and and had no issues whatsoever. I also had a very quick payout when it was written off less than 6 weeks later. It may have helped that we have house/contents/car/car/landlord insurance through them and that I am >35 as well. The pricing was comparable to the other companies.

:facepalm: Sorry, that doesnt help, just saw the reason for your post was knocked back by State :facepalm:

[jolly_26]

+3 for kiwibike, just changed to them from vero and saved $500 pa.

Interesting, I'm with vero and only pay just over 300 for full insurance. I'm 19 and on my learners.

[stamen]

exactly same problem that I had, state refused to insured when I was on Learner. Went to kiwibike and it's all good.

[Scubbo]

I am with AMI, just 3rd party on my learners which is $27 annually but I do ride a cheap bike :sleep:

[arcane12]

My first bike was with state. It was not that cheap. I had house contents and car with them, plus have a full car licence.

I ended up switching to classic cover for the new bike due to it being cheaper even though the value had doubled.

[wynw]

Interesting, I'm with vero and only pay just over 300 for full insurance. I'm 19 and on my learners.
you might want to try and insure a superbike then.... just a small difference in cost

[Road kill]

I use kiwibike and I saved a bit moving from years with state,,,but $500 faaark if I'd saved that much it would be free.

Never let the truth get in a way of a good yarn huh.:shutup:

[jolly_26]

you might want to try and insure a superbike then.... just a small difference in cost

Fair enough, I was thinking given that the post was about learner riders you had a learner rider bike. Out of curiosity, what does it cost to insure a superbike? (if you don't mind me asking)

[wynw]

Fair enough, I was thinking given that the post was about learner riders you had a learner rider bike. Out of curiosity, what does it cost to insure a superbike? (if you don't mind me asking)
nope, been a while since i had a learners and back them didnt bother to insure it
superbike was $100+ per month

[kevinator9]

I'm on a learners with NAC about $25-$30 per month for full insurance. They also insure you for anything you ride (or even drive!) 3rd party as part of your policy. I haven't had any claims though so can't comment on that.

[Stevee2]

Leaners here for AMI $28/ month full cover, but also have car, contents with them too.

[Ulsterkiwi]

kiwibike.co.nz are excellent.

Got my insurance no problem on my learners and extended it to cover gear. Had an off, bike was written off, cheque in my bank account within 10 working days, replacement helmet in same time, gear sorted bit after that. Reinsurance? not a problem, bit more expensive naturally but they kept the excess the same and even knocked a bit off because I came back to them. Really easy to deal with, quick to reply to phone or email, the girls there are really on the ball.

[cbfb]

Fair enough, I was thinking given that the post was about learner riders you had a learner rider bike. Out of curiosity, what does it cost to insure a superbike? (if you don't mind me asking)

1. Do your restricted it's not hard once you get into it.

2. NAC are my choice of insurance.

3. An R1 $5000 is $42/month for me (33 yr male) compared to a 250 Bandit $12/month. Should give you an idea

[f2dz]

Avoid a broker if possible, unless they give you a much better deal than going direct. I had my last bike insured through Kiwibike and it was quite painful dealing with them and Star Insurance simultaneously. They seemed like a pointless middle man to me, slowing down communication.

I have a VTR also and looked at getting it insured through Kiwibike just for the hell of it. They gave me a good quote through Swann but then I ended up going to Swann direct and got an even better deal. So long as you've not just turned 18 and don't have any bad insurance history, Swann should be able to sort you out.

They give excellent rider gear cover and roadside assist also. For the record, I wouldn't insure with Star Insurance again either. Reason being that in the event of a claim they'll take your whole premium, regardless of whether or not the accident was your fault or if you're on a monthly/yearly payment plan (if you're monthly they just take it out of your payout). Swann mentioned that they may or may not do this and that they evaluate it on a case by case basis. May be a bunch of bs, but at least it's not a certainty.

[G4L4XY]

Another + for Kiwibike, Dave there is really friendly, they're onto it with updating address details via email.

Added gear cover just in case and the included roadside assistance is rather nice.

I'm paying a bit more than $41 a month though, course im <30

[Ulsterkiwi]

Avoid a broker if possible, unless they give you a much better deal than going direct. I had my last bike insured through Kiwibike and it was quite painful dealing with them and Star Insurance simultaneously. They seemed like a pointless middle man to me, slowing down communication.

I have a VTR also and looked at getting it insured through Kiwibike just for the hell of it. They gave me a good quote through Swann but then I ended up going to Swann direct and got an even better deal. So long as you've not just turned 18 and don't have any bad insurance history, Swann should be able to sort you out.

They give excellent rider gear cover and roadside assist also. For the record, I wouldn't insure with Star Insurance again either. Reason being that in the event of a claim they'll take your whole premium, regardless of whether or not the accident was your fault or if you're on a monthly/yearly payment plan (if you're monthly they just take it out of your payout). Swann mentioned that they may or may not do this and that they evaluate it on a case by case basis. May be a bunch of bs, but at least it's not a certainty.

I had a very recent experience with Kiwibike and Star and didnt find that at all. I contacted Kiwibike about my screw up (accident implies noone was at fault). They got me to complete the form, notified me a Star assessor had been appointed, he contacted me and I dealt with him directly. Kiwibike then processed the payment to me for the bike, gear and helmet came directly from Star. All done in just over two weeks. My understanding was that taking the premium for whole year was a standard insurance industry practice? My ex wrote off a car...twice...(for this and MANY other reasons I am glad she is the ex) both times this was the drill. First time I have heard of it being up for negotiation.:blink:

[Gremlin]

Reason being that in the event of a claim they'll take your whole premium, regardless of whether or not the accident was your fault or if you're on a monthly/yearly payment plan (if you're monthly they just take it out of your payout). Swann mentioned that they may or may not do this and that they evaluate it on a case by case basis. May be a bunch of bs, but at least it's not a certainty.
Standard is that insurance is paid up front on a yearly basis. To ease the pain you can pay in monthly installments, but it will cost more than paying the whole year up front.

Have a look see, I'd suspect this is the case.

[BuzzardNZ]

I assume all who have full insurance also have a garage clause? ( i.e. must be in a garage at night )

[EJK]

Fair enough, I was thinking given that the post was about learner riders you had a learner rider bike. Out of curiosity, what does it cost to insure a superbike? (if you don't mind me asking)

Superbike insurance may vary but for my bike, my FULL COVER insurance detail is:
*Under 24 years old
*Have a fully sheltered garage
*Lives in Canterbury, Christchurch
*Under 1 year of ownership
*Had bike license for over 6 years
*No previous history of crime/ naughty/ loss of license/ caught for excessive speeding etc

I pay just under $60/month for a 2007 ZX10R. Not bad considering I paid around half the amount for a 150/250cc bike I previously owned. Double the cost, but quadriplemillion more of preformance.

My insurance cost may go a bit lower when I turn 25 next year (excess will drop to $500 from $1000 currently).

P.S. +6 on Kiwibike :msn-wink:

[f2dz]

Standard is that insurance is paid up front on a yearly basis. To ease the pain you can pay in monthly installments, but it will cost more than paying the whole year up front.

Have a look see, I'd suspect this is the case.

That's another good thing about Swann. I had a yearly amount quoted to me but opted to pay monthly instead. I'm not paying an additional amount for paying monthly, which is nice. I had to pay extra with Kiwibike/Star.

All in all I found Star to be great directly, minus the premium thing, which doesn't sound fair at all if you're not at fault. My reasoning for this is that if you didn't have insurance at all you'd actually be better off in a not at fault accident as you wouldn't have to pay money due to no fault of your own. But yea I've heard that taking the whole premium is standard practice, even from the Insurance Council of New Zealand when I emailed them about it.


I assume all who have full insurance also have a garage clause? ( i.e. must be in a garage at night )

Depends on your policy. My old one did but new one doesn't. Might depend on the value of the bike too.

[Gremlin]

I assume all who have full insurance also have a garage clause? ( i.e. must be in a garage at night )
Nope, full insurance, no garage. But I can't have some cheaper policy options because it's not in a garage.

[baffa]

97 Intruder $25ish per month
07 CBR1000RR $48ish per month.

Kinda helps to have package and staff discounts.

Oh and yeah, writing off the years premium is standard practice, I wouldnt quibble too much considering how much they just paid you.

[haydes55]

22 years old on full license in Hamilton. I'm with Protecta. Garaged clause. Roadside assist, $500 helmet cover and $7000 worth of Z1000 fully insured for $40/month.

Yes I've made a claim with them before. Paid out no hassle (was slow service through the repair shop though).

Kiwibike sounds more expensive

[seoky]

Hey y'all.

I'm on the look out for a good insurance company.
Who are you insured with?

I'm a learner, under 25 and ride a 250. How much would insurance be?

:yes: Thanks

[eikon]

Have a look at www.kiwibike.co.nz for online quote. Price will depend on you bike value. I just insured my bike with them, fast and easy. But once I get my restricted in a month I will move to State as they are far cheaper.

[seoky]

Have a look at www.kiwibike.co.nz for online quote. Price will depend on you bike value. I just insured my bike with them, fast and easy. But once I get my restricted in a month I will move to State as they are far cheaper.

I got quoted less by NAC than going through kiwibike.
My excess for most places is very high at $1000.

I don't know which policy is better. haha I've been reading them for far too long

[JafaSaffer]

+1 for Kiwibike Dave and the team will look after you. :2thumbsup

[Tazz]

I got quoted less by NAC than going through kiwibike.
My excess for most places is very high at $1000.

I don't know which policy is better. haha I've been reading them for far too long

Have a read up on NAC. Things may have changed but they used to be pricks about paying out. Their excess used to be $1500 so you're not doing too bad XD
I'm 25 and mine is still $750 on my Safari =/

If you have contents keep it with the same company and they'll look after you better.

I've only ever had to claim from State and AMI and both were straight forward (although State made me do all the bloody leg work for them the bastards)

[Ratu]

I found that Protecta gave me a better quote than Kiwibike did. I'm 22, Learner and will be getting a 250 in the next week or so.
Does anyone know about AA and their pricing? I've got my moped covered by them under the family policy but I haven't called them up to inquire about quotes for the 250.

[Icemaestro]

Last time I checked aa didn't insure non full bike lincence holders (was 5 years ago I called and that's what they said, despite having my car with them)


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[iranana]

I'm with AMI. Best premium and excess of all the places I called - most companies wouldn't even insure me since my bike is older than 30 years. Kiwibike was expensive when I last got a quote from them. I'm 22, on bike restricted/car full.

[Icemaestro]

I personally recommend AON - they were the cheapest when I was on restricted and again now on full , and have been easy to deal with for claims both my fault and not my fault. Their insurance also includes gear cover and roadside assistance.

[Tazz]

I'm with AMI. Best premium and excess of all the places I called - most companies wouldn't even insure me since my bike is older than 30 years. Kiwibike was expensive when I last got a quote from them. I'm 22, on bike restricted/car full.

AMI don't do fire and theft on 3rd party just in case you are not aware. I asked for 3rd party fire and theft, paid, thought it was all good, got another bike, asked for the same and that person told me it was actually 3rd party only <_<

I have car and contents with them too so just working out what company I'm going to change it all to instead at the moment.

[iranana]

AMI don't do fire and theft on 3rd party just in case you are not aware. I asked for 3rd party fire and theft, paid, thought it was all good, got another bike, asked for the same and that person told me it was actually 3rd party only <_<

I have car and contents with them too so just working out what company I'm going to change it all to instead at the moment.

Oh, so they only do third party or comprehensive? I'm on a comprehensive policy at the moment, but was thinking of changing that to third party, fire and theft... looks like I'll be looking for another company if I do that then eh? The only other places that would insure me were State (really, really expensive - basically not worth it) and Kiwibike (can't remember what they quotes, but it was less than State and more than AMI).

[f2dz]

Last time I checked aa didn't insure non full bike lincence holders (was 5 years ago I called and that's what they said, despite having my car with them)

That's what I was told 2 years ago also. I have had my car with AA for several years yet they wouldn't insure my bike.

I was with Kiwibike for a while when I had a 250 Ninja and I paid $580 for $5000 cover with a $1000 excess.

Now I pay $312 for $3500 cover with a $1250 excess which will go down to $750 once I get my full and $250 once I am 25.

I didn't mind Kiwibike at first and they're alright to deal with but I'd prefer to deal direct with an insurance company now. Plus Swann gave me a cheaper rate direct than through a broker.

[Jackpot]

I found that Protecta gave me a better quote than Kiwibike did. I'm 22, Learner and will be getting a 250 in the next week or so.
Does anyone know about AA and their pricing? I've got my moped covered by them under the family policy but I haven't called them up to inquire about quotes for the 250.


Same, 23/Leaner/250cc - Cheaper than Kiwibike and easy to set up. No experience with claims yet though.

<$400 per year which I think is pretty nice

[Kendoll]

I'd highly recommend Kiwibike, they are easy to deal with and great at comparing prices. Swann were also fantastic when I used to be insured with them, although had an at-fault accident and they wouldn't re-insure me (too young), which is where Kiwibike came in and really did an amazing job.

I'd be really careful about going with non-motorcycle orientated insurance companies such as State or AMI. Although they're cheaper, they're also less understanding and good luck ever getting insurance to do a track day with one of those companies. Really depends what you're after, if you don't care about track days or claims based on motorcycle-specific problems (ie. diesel on the road) then by all means go with those guys, but the cheaper option may not turn out to be the best if you actually need to make a claim (hopefully you don't).

[Ratu]

Has anyone had much experience with Protecta? They're giving me the better quote but I don't want to go with them if its going to give me trouble further down the line.

[Kendoll]

Has anyone had much experience with Protecta? They're giving me the better quote but I don't want to go with them if its going to give me trouble further down the line.

I used to be insured through Protecta via Kiwibike as the broker and they were absolutely fine, no issues with track days or anything...having said that, I didn't have to make any claims. I'd say if Kiwibike use them then they're fine :cool:

[GrayWolf]

Has anyone had much experience with Protecta? They're giving me the better quote but I don't want to go with them if its going to give me trouble further down the line.


Im insured with protecta via Kiwibiker, Had to claim last year for 8k after an 'at fault' low speed off... no quibbles about the accident per se, but they did ask the shop for an 'itemised' bill, as it seemed a massive bill for a naked bike at 25kph.... MT-01's are NOT cheap to fix!

Had no issue's with them re-insuring.. but that was the first off in 27 years :brick:

[Banditbandit]

Hey y'all.

I'm on the look out for a good insurance company.
Who are you insured with?

I'm a learner, under 25 and ride a 250. How much would insurance be?

:yes: Thanks

You're such a huge risk that insurance should be so expensive that you can't afford to ride the bike ...

(I'm insured through John Baker ... it's an excellent company - but it has been more than 25 years since I've been 25 .. so I have no idea what a young person would be charged - but check them out - I'd recommend them http://www.jbinsurance.co.nz/AonWeb/jsp/JohnBakerInsurance/jbi_introduction.jsp .)

[rustyrobot]

I'm also insured with Protecta through Kiwibike. My bike was written off after the chain snapped and shot up through the fairing, shorting out the electronics. The insurance company were initially going to deny the claim as they said it was a mechanical failure, however Dave at Kiwibike went in to bat for me and after a very nervous 8 weeks they paid out on the bike. I've subsequently got nothing but good things to say about Kiwibike :niceone: , and I'm back with Protecta through them for my current ride.

[caseye]

Oh, so they only do third party or comprehensive? I'm on a comprehensive policy at the moment, but was thinking of changing that to third party, fire and theft... looks like I'll be looking for another company if I do that then eh? The only other places that would insure me were State (really, really expensive - basically not worth it) and Kiwibike (can't remember what they quotes, but it was less than State and more than AMI).

Ring swann Insurance and enquire about their classic policy(bike over 30 yrs old, not ridden lots and lots,), I'll bet you their price and what they cover will out strip all others.A classic policy automatically comes with 24/7 roadside assist and return to home and if you insure your gear it covers up to 3.5K for rider and 2.5 K for pillion. Check it out.Further if you ring and advise them you are attending a track training day they will extend your cover for that day/days without any more dollars.

[iranana]

Ring swann Insurance and enquire about their classic policy(bike over 30 yrs old, not ridden lots and lots,), I'll bet you their price and what they cover will out strip all others.A classic policy automatically comes with 24/7 roadside assist and return to home and if you insure your gear it covers up to 3.5K for rider and 2.5 K for pillion. Check it out.Further if you ring and advise them you are attending a track training day they will extend your cover for that day/days without any more dollars.

My RD is ridden every day ;) I'll call em up though when it comes time to review my policy. Cheers for the heads up!