Online BIKE INSURANCE in 10 minutes...

[afterburner]

Need bike insurance?:scooter: Check out these guys at www.ebikeinsurance.co.nz
You can buy a policy online plus you can make changes afterwards. You don't need a broker.

[dawnrazor]

hmmmmmm......its a pity then that they quoted me twice the premium I got from classic cover after talking to a very nice scotish women in hamiltron.

[kiwifruit]

the quote i got from e insurance was thru the roof!

http://www.kiwibike.co.nz/ is good value
$600 a year for me (26 male) on a gsxr1000... thats pretty sharp considering the amount of gsxr thous they must have to pay out on :Pokey:

[Jonny Rotten]

good idea but there quote was 200 bucks more than what i pay with state insurance

[ducatijim]

Yeah...me too, got a rediculous quote; about $1k to insure a DR250 with my 24yo son a named rider, Ducati gold, underwritten by Vero did it for $260 I think it was. No contest eh?

[Aiolos]

Holy crap. $800 for 3rd party on the RG.
AMI charges around $60

[bugjuice]

I got a quote from them: $2500.. yer, go shove it up the phone jack..

[Ozzie]

Need bike insurance?:scooter:
Check out www.ebikeinsurance.co.nz (http://www.ebikeinsurance.co.nz)

You can get a quote and a policy online in 10 minutes; Plus you manage your own policy online...:2thumbsup

No waiting for your broker - ever:banana:
No waiting in phone queues - ever:banana:
No forms - ever:banana:

Call me a cynic, but......

On a bike forum, with a pic of a car, promoting a site that charges 25% of my bike's value (pa), not counting the immediate depreciation when it left the showroom????

Who do you work for AB? Wouldn't be commission based insurance would it?

Fantastic idea, astronomic rates!

We tend to use our petrol to drive our bikes motors to give maximum safe thrills, not to sniff!

On the odd chance, as remote as it may be, you are actually a biker, and as much of a newbee as you would have to be.......LOOK AROUND!

No shit, the process sounds good, but 25-50% higher than market rates, we aren't dumb!

:Playnice:

I'm not usually shy, or overly nice, but will take it as being a newbee that worded things wrong, thus save the red rep and full on slagging. BUT! If you are flogging something, think again, and it would be a help if you had more cred than 6 posts before going the flog route.

[bounce]

My quote was a bit more realistic than some listed here. $280 for 3rd party fire and theft and $650 for full cover. This is on a VTR250 worth about 5k. Pretty much in line with what I was quoted by state,.,,

Looks like I better keep shopping around then :cool:

[Brett]

I got quoted $4225 to get comprehensive insurance on a gsxr 600 K4 valued at 14k.
Wont bother with that website ever again.

[RM125king]

i just got a quote now for full insurance and it came to $10013.78. YES thats right over ten grand a year. that insuring my R6. fukn rip off cunts.

[The_Dover]

funnily enough they wouldn't cover me.

cunts.

[SlowHand]

funnily enough they wouldn't cover me.

cunts.

How the fuck did you manage that? I got $4677.57 a year on a $6000 bike on restricted licence :lol:

just imagining what it wud be if i ever got a bigger bike than now :whistle:

But afterburner is from a car forum..

[Ozzie]

funnily enough they wouldn't cover me.

cunts.

Do you need a license to get insurance?????

Or....Do they have access to Northlands most wanted list????

:Pokey:

[Hitcher]

Need bike insurance?
Check out www.ebikeinsurance.co.nz

Haven't we done this before and found it wanting?

[scracha]

Haven't we done this before and found it wanting?

My quote was cheap as chips...but then again I was insured with them back in blighty.

[Devil]

Currently paying $900 for the triumph (still less than a year old). Their quote, $1350.

No thanks.

[SARGE]

Star Insurance (http://starinsurance.co.nz/) has a similar online setup..

[Str8 Jacket]

Star Insurance has a similar online setup..

Ive also found that these guy's are one of the cheaper insurance companies. They are excellent to deal with and when I wrote off my first bike they paid out within 2 weeks!

[SARGE]

Ive also found that these guy's are one of the cheaper insurance companies. They are excellent to deal with and when I wrote off my first bike they paid out within 2 weeks!

yea .. they have roadside assistance cover .. optional gear cover .. pretty set excesses but they wont kill you for 25% of the value like Protecta or others.. i think for my FJ it was $750 excess based on $7000 value ( that should pretty much cover the engine work :doh:)

[Str8 Jacket]

yea .. they have roadside assistance cover .. optional gear cover .. pretty set excesses but they wont kill you for 25% of the value like Protecta or others.. i think for my FJ it was $750 excess based on $7000 value ( that should pretty much cover the engine work :doh:)

Yeah I had trouble getting my head around just how much my excess would have been with Protecta, though their policy was slightly cheaper. However because the policy was under a certain amount they wouldnt let me make monthly payments, I had to pay the whole amount up front which I couldnt afford. My excess with Star is $500 max. Im pretty sure there is no excess for theft either, might be wrong though.... I rang Kiwibike insurance and they were really helpful, they gave me 3 different quotes with different insurance companies within 10 mins.

[SARGE]

Yeah I had trouble getting my head around just how much my excess would have been with Protecta, though their policy was slightly cheaper. However because the policy was under a certain amount they wouldnt let me make monthly payments, I had to pay the whole amount up front which I couldnt afford. My excess with Star is $500 max. Im pretty sure there is no excess for theft either, might be wrong though.... I rang Kiwibike insurance and they were really helpful, they gave me 3 different quotes with different insurance companies within 10 mins.

if you purchase the Data Dots (http://www.datadotdna.com/nz/) and your ride is hoisted.. there is no excess for theft

[Str8 Jacket]

if you purchase the Data Dots (http://www.datadotdna.com/nz/) and your ride is hoisted.. there is no excess for theft

Ah yes, I was a little miffed at the mailer Star sent out to its customers a few weeks back.... It read something like "purchase these data dots for a really cheap price form us and be into win $50 000"... sounded great. Yeah Right. When I checked the covering letter it had in teeny weeny lil print down the bottom saying- *every purchase comes with a $3 instant kiwi with a chance to win up to $50 000. Thought that was a little off! But datadots themselves are a great idea. Gonna think about doing it for my next bike....

[Damon]

with state i'm paying $450 for full cover and these guys quoted me $1250? :buggerd: , next please

[SARGE]

Ah yes, I was a little miffed at the mailer Star sent out to its customers a few weeks back.... It read something like "purchase these data dots for a really cheap price form us and be into win $50 000"... sounded great. Yeah Right. When I checked the covering letter it had in teeny weeny lil print down the bottom saying- *every purchase comes with a $3 instant kiwi with a chance to win up to $50 000. Thought that was a little off! But datadots themselves are a great idea. Gonna think about doing it for my next bike....

i have them on mine .. especially the engine and the Ohlins

[Str8 Jacket]

i have them on mine .. especially the engine and the Ohlins

Good for peace of mind?....

[SARGE]

Good for peace of mind?....

Ohlins is worth $1500.. engine has a few .."tweaks" worth 60 hours in the shed and a few bucks in parts and machining..

[Str8 Jacket]

Ohlins is worth $1500.. engine has a few .."tweaks" worth 60 hours in the shed and a few bucks in parts and machining..

Im convinced then. If I can actually afford a bike that's worth more than $500 then i'll definately be looking at getting it done.

[SARGE]

Im convinced then. If I can actually afford a bike that's worth more than $500 then i'll definately be looking at getting it done.



i'd also recommend calling Mark at Rapid Radio (Aucklanders) to get a Mongoose installed..

i dont have one personally but the FJ is too heavy to lift into a Ute.. its parked at the end of my steep driveway so pushing it isnt an option and if you try and start it .. i will DEFINITELY hear it .. then it just gets nasty in a big blue hurry..


not that im a violent, unstable sort mind you .. but they will get a stern talking to... :whistle:

[Str8 Jacket]

i'd also recommend calling Mark at Rapid Radio (Aucklanders) to get a Mongoose installed..

i dont have one personally but the FJ is too heavy to lift into a Ute.. its parked at the end of my steep driveway so pushing it isnt an option and if you try and start it .. i will DEFINITELY hear it .. then it just gets nasty in a big blue hurry..


not that im a violent, unstable sort mind you .. but they will get a stern talking to... :whistle:

Cool, cheers.

I get worried about my bike ever since one of my mates picked my bike up almost a metre of the ground one day. He's not a big guy....

I am violent and unstable and would go pretty postal if I caught anyone trying to steal my bike!

[SARGE]

Cool, cheers.

I get worried about my bike ever since one of my mates picked my bike up almost a metre of the ground one day. He's not a big guy....

I am violent and unstable and would go pretty postal if I caught anyone trying to steal my bike!

( psst .. i was trying to be sarcastic..) i really am quite unstable and i have been known to have 'assertive' tendencies..coupled with the fact that i am not a small specimen...

[SlowHand]

.. i will DEFINITELY hear it .. then it just gets nasty in a big blue hurry..


Blue? Were you the model for grumpy smurf?

[Str8 Jacket]

( psst .. i was trying to be sarcastic..) i really am quite unstable and i have been known to have 'assertive' tendencies..coupled with the fact that i am not a small specimen...

lol, yeah I know.... :D

ps, I WASNT being sarcastic!

[SARGE]

Blue? Were you the model for grumpy smurf?

nope .. but i WAS the prototype for THIS fella...

[The_Dover]

but he's got hair?

[SARGE]

but he's got hair?

yea .. god thought the bald patch just made him look TOO fucking mean and sorted that out in Version 2.. he also thinned out the back hair in the Gold Release..

[petesmeats]

$1500 worth of bike... almost $5000 a year for full cover... or alternative situation: Kiwibike insurance.. $310 a year full cover.

Hmmm I wonder whether the whole not sitting on phone waiting lines is worth the $4700 extra??? I think not. I'm not totally sure why anyone would go with these guys... Maybe they concentrate on insuring immigrants with limited understanding of english who don't know any better...

[Str8 Jacket]

I'm not totally sure why anyone would go with these guys... Maybe they concentrate on insuring immigrants with limited understanding of english who don't know any better...

Even then, most immigrants I have met/dealt with are pretty tight with their $$!
Most immigrants are usually very money savoy! (sp?)

[Hitcher]

money savoy! (sp?)

Savvy. Savoy is, amongst other things, a type of lettuce.

[Str8 Jacket]

Savvy. Savoy is, amongst other things, a type of lettuce.

It would be nice if a Money Lettuce was invented though, dont you think?

[quackquack]

Star insurance online seems to be very good at bikes over 10K but under that I would recommend Kiwibike. The no theft excess with Datadots is very good and I will get them on my bike. They also give you 15% off if you ride low KM so can save yourself money as a sunday rider. My roadside assist was $40 but that is cheap when I have had a pick up and they were only 25 minutes to get there and it was a flat bed and they knew how to look after my bike not like some towies.

When I talked to star they only do bikes so they know how the bike shops work to make the claims work get done fast but will post on that if unlucky enough to claim

[Finn]

I wonder if they pay out claims in 10 minutes?

[Beemer]

Cripes, took me forever to provide all the info they required (type of disk lock - like I knew THAT?) and then found it was $36 more than the policy I've got at present, and $200 higher for the excess! Think I'll keep looking...

[kiwifruit]

I just got a quote from Ashley at classic cover
was pretty sharp, be worth a look for those looking for insurance.
http://www.classiccover.co.nz/

[Beemer]

Rang State, got offered a price of $366 to insure the Goose - then tried Kiwi Bike and got a FANTASTIC price of $321 for full cover through Swan. $500 excess ($1000 for theft) but I've never had a claim so I'm more interested in the premiums and I've heard good stuff about them.

Great service (and friendly chat too) from Donna - would definitely recommend talking to them.

[Posh Tourer :P]

I wonder if these boys will get their act together?? ebike in the UK is pretty cheap :)......

[Dodger]

Great service (and friendly chat too) from Donna - would definitely recommend talking to them.

I've got my bike and scooter with kiwibike. $400and something for the bike (I think) and around $80 for the scooter (full cover) AA on the other hand wanted about $200 more for the bike and an extra $100 for only third party on the scooter.
and AA had some nasty excess. :mad:

I've recomended Kiwibike to a mate with 5 bikes, and as they have a multibike discount (able to have all bikes on one policy if only one on the road at a time) he's very happy. :2thumbsup

The online quote above wanted dbl what I pay Kiwibike. :p

[matt147]

Good question Ozzie, can anyone else help - do we need the appropriate licence to get insurance?? Anyone been through this before with say a restricted licence on a 400 or something bigger?? help appreciated, cheers

[Oscar]

Rightyho boys, now you've bought your cheap insurance, let's talk about cheap tyres, or cheap brake pads...

No?
Of course, none of us buys the cheapest tyres or brake pads for our bike, because we want them to perform, don't we?

Think about it.

[The_Dover]

I don't give a fuck how cheap my insurance is, as long as the T's are crossed and i's dotted.

[Oscar]

I don't give a fuck how cheap my insurance is, as long as the T's are crossed and i's dotted.


Fine.
Just don't be whinging about how long yer claim takes to be paid, what you get paid, or that the claims declined.

Shopping for insurance by price alone is stupid.

[The_Dover]

So which insurance company do you work for then?

Read my post. I'm not stupid and if the cover is the same then why pay more than you need to?

Some of the worst insurance stories I've heard are about the big boys.

[Beemer]

Savvy. Savoy is, amongst other things, a type of lettuce.

I think you'll find that Savoy is a type of cabbage, not lettuce!

And I agree with Dover, as long as the cover is the same, the excess not too crippling and the reputation of the company for paying out claims is good, then I'll be going with the cheapest. Ebike quoted me $464.52 (and just about needed to know what I had for breakfast and the last time my bowels moved), AA were $428, State $366 and Swan - who I have heard lots of good things about - were $321.30. Sorry, but I'm not going to complain about saving $107 a year on what I have been paying! Same goes for the house and contents insurance, they're all pretty much of a muchness but some have far lower excesses and better reputations for paying out.

Thankfully I've never had a motorcycle claim and hopefully (famous last words!) I never will, so why pay over the odds for my insurance?

[Oscar]

So which insurance company do you work for then?

Read my post. I'm not stupid and if the cover is the same then why pay more than you need to?

Some of the worst insurance stories I've heard are about the big boys.

I'm a Broker.
I pay more than I have to. Despite the fact that I can insure with most of the major underwriters in NZ at "mates rates", I insure with Classic Cover. Why? Because I know the company and the people, and I trust them.

Think about it.
If the cover is the same, why is the premium cheaper?
There can be several reasons, including lower overheads (which may or may not result in shitty service), bad underwriting (which evetually leads to a bad claims experience)or a harsher attitude to claims.

[The_Dover]

So what is your professional opinion on Star then?

[Oscar]

And I agree with Dover, as long as the cover is the same, the excess not too crippling and the reputation of the company for paying out claims is good, then I'll be going with the cheapest.

Thankfully I've never had a motorcycle claim and hopefully (famous last words!) I never will, so why pay over the odds for my insurance?

You didn't buy by cost alone though, did you?

[Oscar]

So what is your professional opinion on Star then?

I don't like them/wouldn't use them (for reasons that I'm not going into on a public forum).

[The_Dover]

If you have an opinion based on fact and experience then I can't understand why it would be a problem to express it.

If it's based on personal feelings then I wouldn't consider it a reason for anyone else not to use them.

I asked for a professional opinion after all, and if I were to be looking to use your services as a broker I would expect your advice to impartial and the same to all.

[Oscar]

If you have an opinion based on fact and experience then I can't understand why it would be a problem to express it.

If it's based on personal feelings then I wouldn't consider it a reason for anyone else not to use them.

I asked for a professional opinion after all, and if I were to be looking to use your services as a broker I would expect your advice to impartial and the same to all.


...and if you were paying for my opinion, I'd give it to you in detail.

[jetboy]

I am also a broker and I use Star Insurance for every bike I do. They handle their own claims in-house so I dont understand what your problem with their underwriter is if they don't do anything with the claim?

Star Insurance uses Green Associates in Auckland and Waikato, who have 25 years experience in assessing and most dealers will say they do the job well, and GAB Robbins everywhere else

I have asked them to use a different assessor before and they told me no problems as the guy had a good reputation.

Would like to know what other problems you have, and if you would like a quote PM me.

[Oscar]

I am also a broker and I use Star Insurance for every bike I do. They handle their own claims in-house so I dont understand what your problem with their underwriter is if they don't do anything with the claim?

Star Insurance uses Green Associates in Auckland and Waikato, who have 25 years experience in assessing and most dealers will say they do the job well, and GAB Robbins everywhere else

I have asked them to use a different assessor before and they told me no problems as the guy had a good reputation.

Would like to know what other problems you have, and if you would like a quote PM me.


If you really were an Insurance Broker, you wouldn't use Star for every bike.

[jetboy]

I REALLY am a broker, and I use Star everytime because of the good experiences I have had myself, and for my clients.

Their premiums usually come out cheaper, or sometimes magically become cheaper after talking to them.

Use who you want Oscar, but I'm happy to continue using Star due to the policy and service they provide.

Can any other insurer give you a way of getting a zero excess on theft claims?

[Shaun]

Dave @ Kiwibike, he is the man!

[Oscar]

I REALLY am a broker, and I use Star everytime because of the good experiences I have had myself, and for my clients.

Their premiums usually come out cheaper, or sometimes magically become cheaper after talking to them.

Use who you want Oscar, but I'm happy to continue using Star due to the policy and service they provide.

Can any other insurer give you a way of getting a zero excess on theft claims?

So you're saying that Star is the only agency you have?

[SARGE]

So you're saying that Star is the only agency you have?

introducing in the red corner ....


:corn: :corn: :corn: :corn: :corn:


ok guys .. lets put this to the test ...

i have a 92 Yamaha FJ1200ABS with some 'minor' performance mods.. :whistle: bike is fitted with Data Dots.. residence is Mt. Roskill an the bike is in a Carport with a big fuckoff lock.., insured value is $7500

i have no tickets ( even camera) and one claim 3 years ago..perfect record since then ( got taken out at a light with both feet down and somehow it was MY fault ..

i am with Protecta right now and i am paying $850 a year with a 60% NCB and $500 excess across the board ( yes i sold the policy to myself when i worked at the bike shop..).. my policy is up for renewal soon..


no pm's please .. lets do this right here..

i AM into Customer Service and value for $$.... and i understand how insurance works ..

[quackquack]

So oscar sorry to poke my head between two people in the industry but which brand do you recommend classic cover or others. Just a querry I was a classic client but when I read my policy it said there was a 2K part excess I don't know what the parts on the KTM are like but I could not handle that jandle.

That's why I'm with Star

I need to get Data Dots where do I go?????????????????

[Oscar]

Dave @ Kiwibike, he is the man!


Shaun?
Ex-Hamilton Club, TT racer, and Gremlin, Shaun?

Howthefuckareya?

[afterburner]

On a bike forum, with a pic of a car...
It has to be better that being on a bike forum with a pic of a GUY pissing...

[SARGE]

On a bike forum, with a pic of a car...

yea .. how does THAT work????

[ZorsT]

Bike value: $1700

Own Damage Excess: $900
Fire and Theft Excess: $900

Premium: $5826.20

:lol:

edit: just did it without 'forgeting' about my accidents

Premium: $21037.32

[afterburner]

Its gotta be better than having a pic of a guy pissing as your avatar...:beer:

[Oscar]

I REALLY am a broker, and I use Star everytime because of the good experiences I have had myself, and for my clients.

Their premiums usually come out cheaper, or sometimes magically become cheaper after talking to them.

Use who you want Oscar, but I'm happy to continue using Star due to the policy and service they provide.

Can any other insurer give you a way of getting a zero excess on theft claims?


The funny thing is - the only Broker I know with an '01 Fatboy is the owner of Star Insurance...

[SARGE]

The funny thing is - the only Broker I know with an '01 Fatboy is the owner of Star Insurance...

SAY IT AINT SO!!!!

[SARGE]

Its gotta be better than having a pic of a guy pissing as your avatar...:beer:



nope .. cages suck even worse than that ...

[Oscar]

SAY IT AINT SO!!!!

I'm going to lunch.
I'll get yer premium when I come back...

[SARGE]

I'm going to lunch.
I'll get yer premium when I come back...



no hurry...

[afterburner]

you happy now?:Pokey:

[Swoop]

I'm going to lunch.
I'll get yer premium when I come back...

Good to see the customer comes first...:whistle:

[Oscar]

Good to see the customer comes first...:whistle:

Oww!
That hurt...

[Swoop]

Oww!
That hurt...
Coffee too hot?

[Oscar]

Coffee too hot?

Just right.
We got a espresso machine in the office...
Us corporate bastids build up a thirst exploiting the workers...

[jetboy]

The funny thing is - the only Broker I know with an '01 Fatboy is the owner of Star Insurance...

I wish I own Star Insurance, but no thats not me.
The owner of Star is an old guy so I doubt he is on this website.

I am a fire and general broker and motorcycles arent my main business (as anyone in the brokeing business would know), but the ones I do get I like to place with Star due to the experience I get with them.

I believe this conversation should now be shifted to a PM as I can supply you with my relevant credentials, otherwise I'll meet you outseide the bike shed and we will see how your KTM stand up against the Fatboy :)

[jetboy]

no hurry...

If anyone would like a quotation, please PM me as I would need further personal details not appropriate for public discussion.

[Oscar]

introducing in the red corner ....


:corn: :corn: :corn: :corn: :corn:


ok guys .. lets put this to the test ...

i have a 92 Yamaha FJ1200ABS with some 'minor' performance mods.. :whistle: bike is fitted with Data Dots.. residence is Mt. Roskill an the bike is in a Carport with a big fuckoff lock.., insured value is $7500

i have no tickets ( even camera) and one claim 3 years ago..perfect record since then ( got taken out at a light with both feet down and somehow it was MY fault ..

i am with Protecta right now and i am paying $850 a year with a 60% NCB and $500 excess across the board ( yes i sold the policy to myself when i worked at the bike shop..).. my policy is up for renewal soon..


no pm's please .. lets do this right here..

i AM into Customer Service and value for $$.... and i understand how insurance works ..

Annual premium $342.80 incl GST. Excess $350. (Assuming you are over 30).

[Fishy]

(Assuming you are over 30).

Are ya kidding, do you give discounts for senior citizens?

[The_Dover]

(Assuming you are over 30).

Stone?

Easily bro.

[Oscar]

Are ya kidding, do you give discounts for senior citizens?

The quote is from Classic Cover who only insure over thirties...

[The_Dover]

a.k.a. Jurassic Cover

[SARGE]

you happy now?:Pokey:

yea .. see?... this is my happy face :mad:

[SARGE]

Annual premium $342.80 incl GST. Excess $350. (Assuming you are over 30).

which company? underwritten by whom?.. rating? agreed value option? gear cover ? roadside assistance?


hehehe ..

[Oscar]

which company? underwritten by whom?.. rating? agreed value option? gear cover ? roadside assistance?


hehehe ..

Classic, Vero, A+ (Strong) rating, with positive outlook, from Standard & Poor’s, reaffirmed as at 25 August 2005, yes, no, yes.

[quackquack]

Cheers Sarge for the Dot info will swing by Saturday when I have some time.

[SARGE]

Classic, Vero, A+ (Strong) rating, with positive outlook, from Standard & Poor’s, reaffirmed as at 25 August 2005, yes, no, yes.

oooh... gear cover is a biggie..roadside assistance and agreed value is good..

[SARGE]

Cheers Sarge for the Dot info will swing by Saturday when I have some time.

groovy .. tell everyone i said hi

[jetboy]

So Oscar, who do you work for?
You said you use more than one company...name three of them.

[Oscar]

So Oscar, who do you work for?
You said you use more than one company...name three of them.

The biggest one in the Waikato.

Classic
NZI
Vero Direct
QBE

[The_Dover]

you pricks are probably sitting next to each other!!

[jetboy]

yep - ill bash him in the head now for ya dover :)

[Ozzie]

Its gotta be better than having a pic of a guy pissing as your avatar...:beer:
Not if it is a sticker, stuck to the wind shield of your bike, which depicts a guy pissing on cars!

:buggerd:

[sAsLEX]

oooh... gear cover is a biggie...

alot of the time gear can come under contents so if its not on your bike insurance then that can cover it

[jetboy]

alot of the time gear can come under contents so if its not on your bike insurance then that can cover it
do check your contents cover as gear may not be covered whilst riding the motorcycle, and under a general contents policy clothing claims include depreciation...where as with Star Insurance http://www.starinsurance.co.nz gear will be covered whilst riding and is replacement old for new.

[SARGE]

alot of the time gear can come under contents so if its not on your bike insurance then that can cover it

Yea .. i had an issue when i got hit 3 years ago.. tried to claim my hat on contents and it was only covered for theft and only at my house..

seeing as how its mandatory to wear one .. it should be easier to cover and claim..

[The_Dover]

yeah, I wear a helmet at home one week in four.

haven't had to make a claim yet. bitches can't really punch.

[sAsLEX]

seeing as how its mandatory to wear one .. it should be easier to cover and claim..

You think since its a legal requirement for road riding, that road bike insurance should automatically cover it!

I mean car insurance covers seat belts .......

[Shaun]

Not quite a thread jack but

I have just finished doing a repair job on a 2004 CBR1000RR that basically ran off the road at 35kmph and ended up in a ditch

1x disc- Radiator, all plastics, clip ons, and a few brackets

$9456-00 later inc 6.5 hours labour @ $55

That man is happy to have his baby back, but his bike now owes him $27-456

because he hates the fact the insurance co's and agents are getting some of his hard earned

Kind of like those people in the floods that lost there houses and had no Insurance, total madness me thinks

:beer:

[cowboyz]

premiums worked out to 27% of bikes value. Just plain stupid.

[SARGE]

premiums worked out to 27% of bikes value. Just plain stupid.

i guess its better than 100% if some retard cager takes you out ...


call me stupid ..

[Shaun]

Shaun?
Ex-Hamilton Club, TT racer, and Gremlin, Shaun?

Howthefuckareya?


Happy as a pig in shit mate, who r ya

[Oscar]

Happy as a pig in shit mate, who r ya

The grumpy shite wid the beard that was Hamilton Club El Presidente and Winter Road Race Organiser...

[SlowHand]

Good question Ozzie, can anyone else help - do we need the appropriate licence to get insurance?? Anyone been through this before with say a restricted licence on a 400 or something bigger?? help appreciated, cheers


According to that site you can, but you'd be stoopid to take it..
Its a risk you take for breaking the license conditions

On another note, whats with lower profile tyres bit in the mods??

[Shaun]

The grumpy shite wid the beard that was Hamilton Club El Presidente and Winter Road Race Organiser...


You mean that prick :Pokey: that used to tell me and Jeff to pull our heads in and try to act responsibly:beer: especially when we arrived back with Robbie Deans in tow and our bikes hanging of the trailers :buggerd: cause we were racing home from Puke at over a 100mph with the old KOON and a box on the front seat


How the hell are ya mate:hug:

[cowboyz]

i guess its better than 100% if some retard cager takes you out ...


call me stupid ..

At 27% you are betting that you WILL completely write your bike off in less than 3 years or it just doesn't make economic sense.

Why, exactly do you want me to call you stupid?

[Oscar]

You mean that prick :Pokey: that used to tell me and Jeff to pull our heads in and try to act responsibly:beer: especially when we arrived back with Robbie Deans in tow and our bikes hanging of the trailers :buggerd: cause we were racing home from Puke at over a 100mph with the old KOON and a box on the front seat


How the hell are ya mate:hug:

Maybe.
Remember getting thrown out of MacDonalds for trying to serve Johnny F. and me?

[Shaun]

Maybe.
Remember getting thrown out of MacDonalds for trying to serve Johnny F. and me?


Bugger, If that really did happen, I must have an alchohol problem! What would I be doing leaving the pub in the first place:banana:

[jetboy]

At 27% you are betting that you WILL completely write your bike off in less than 3 years or it just doesn't make economic sense.

Why, exactly do you want me to call you stupid?

Mate, there seems to be a mistake as there is no premium I would do that is 27% of the bikes value...

[jetboy]

According to that site you can, but you'd be stoopid to take it..
Its a risk you take for breaking the license conditions

On another note, whats with lower profile tyres bit in the mods??
You can get insurance on any licence provided you are riding a bike with the correct cc rating for your licence, as stated in your licence conditions. A learners licence for example, restricts you to 250cc bikes....so as long as you dont break the law that way the licence should have no immediate bearing on insurance.

[quackquack]

If you are decent sized bloke like me you can fill out a form and be allowed to ride a bigger bike. I can't rember the forms name but you take a photo of you on a tiny bike like a scooter and then on a say 600 sports tourer send it in with the form and all of a sudden you are able to ride the big bike on a learners

[SARGE]

At 27% you are betting that you WILL completely write your bike off in less than 3 years or it just doesn't make economic sense.

Why, exactly do you want me to call you stupid?

i'd rather not take the chance with some of the fuckwit retard drivers i see down here ..

my last accident 3 years ago, i was sitting at a light .. not splitting.. first in line .. guy in a delivery van cuts a corner by over a metre and goes right into my headlight .. i was well within my lane.. both feet down and i get hit writing off the front of my FJ.. $8000 worth of damage and somehow it turned out that it was a ' no-fault' accident.. but HE ran the yellow and hit a stationary vehicle..


my dome bounced off his hood.. my bike ended up 2 feet shorter and i had to claim because no-one was at fault ..

thankfully.. i was working at a bike shop at the time .. i got employee discounts on parts ( upgrades were cheaper than OEM anyway) .. i could do a few things myself... and i had an inside line to Protecta who agreed not to write it off ...



so yea i'll pay for good insurance .. its stupid not to have it from a reputable company who you can trust ..

i dont hang around for long when i go out on a ride .. on the off chance that i run out of talent on the entrance to a corner, overcook it and highside.. i want my bike back as good or better than it was ..

no, i dont want a new bike .. i have too much blood , sweat and tears as well as close to $7000 invested in it AFTER the purchase price ..i bought the FJ out of the container, fresh from Japan and had it dropped off at my house where i assembled it and serviced it myself..pretty much like giving birth to it..i want a company that will understand that and get me back on the road ASAP on MY bike.


my cage is insured 3rd party/ fire/ theft.. that dont matter.. costs me $200 a year and im good with that..

my bike is part of me however and the company i insure with will understand that before they see one dollar out of me


buy all the hot shit new models you want .. its a special relationship you develop with a machine you build yourself..its not the fastest on the planet .. ive had my ass handed to me by a few bikes..(its not slow in anyones book however,,) it wont handle like a Gixxer and it dont brake like an R1.. this is a bike you have to actually RIDE..not just point it into a corner and hang on..


us older guys who know how to do more than just bolt pipes on know what i mean.. bikes were not throwaway in our day.. ask around as to how many of us built a bike out of a few boxes of bits and you will understand what it feels like

there IS a difference between a Biker and someone who rides bikes


im a biker..

[SARGE]

If you are decent sized bloke like me you can fill out a form and be allowed to ride a bigger bike.


the form is DL-4 .. call the LTSA

[quackquack]

Cheers sarge I couldn't remember the name but that should help out a few people out

[SARGE]

Cheers sarge I couldn't remember the name but that should help out a few people out

'swhat im here for ..

[ZorsT]

Mate, there seems to be a mistake as there is no premium I would do that is 27% of the bikes value...

What about one that is more than 14 times the bikes value?
:buggerd:

[jetboy]

What about one that is more than 14 times the bikes value?
:buggerd:

Mate that can't be right! PM me if you want a quote....I'm sure I can do better than that!

[kiwifruit]

Just got full cover for my new bike thru Tim (Jetboy) :cool:
Great service, great deal, easy as.
Highly recommended to all.

EDIT: Now i find out im covered for trackdays too!
People, give this man your business!! :Punk:

[imdying]

EDIT: Now i find out im covered for trackdays too!
People, give this man your business!! :Punk:Oh really!? Can you give more details, that sounds peachy :)

[kiwifruit]

Oh really!? Can you give more details, that sounds peachy :)

12k cover
790 a year, 750 excess

as long as its not racing im covered on the track :)

[imdying]

as long as its not racing im covered on the track :)That's the bit the interests me, and those rules suit me fine :yes:

[Ozzie]

Really?

No disrespect, and Jetboy correct me if I'm wrong, but, track day's weren't covered in what you quoted me.

Don't get me wrong, the numbers worked, but be sure of what you have and what you don't have.

[kiwifruit]

im sure :)

[quackquack]

I'm with star and I believe that you are covered for rider training days at the track so as long as there is instruction happening you are covered but I'm sure that Jetboy will clarify that

[Oscar]

oooh... gear cover is a biggie..roadside assistance and agreed value is good..

Opps - gots a clip 'round the ear from Classic Cover guy - gear is covered to $2500, trackdays too..

[SARGE]

Opps - gots a clip 'round the ear from Classic Cover guy - gear is covered to $2500, trackdays too..

sweet guys .. my protecta runs out in a month i think ... i will be in touch when that happens

[afterburner]

I got quoted $4225

They had a rethink of thier premiums... All your bitching must have helped. I just got a quote for my 2004 GSXR750, fully comprehensive for $697.32 Im 39 and live in Auckland.

[afterburner]

Haven't we done this before and found it wanting?

Try again. They have drastically reduced their premiums. I'm 39 and paid $697.32 for an '04 Gixer 750.

[Oscar]

I wish I own Star Insurance, but no thats not me.
The owner of Star is an old guy so I doubt he is on this website.

I am a fire and general broker and motorcycles arent my main business (as anyone in the brokeing business would know), but the ones I do get I like to place with Star due to the experience I get with them.

I believe this conversation should now be shifted to a PM as I can supply you with my relevant credentials, otherwise I'll meet you outseide the bike shed and we will see how your KTM stand up against the Fatboy :)

I see whereas you aren't John Baker, you work for him...

[MSTRS]

Oscar is The Man !!
New bike insured thru him $316. Next best State $451. No contest.

[adiddy]

insurance suxcks lol- well for an 18 year old on a learners anyway , just cant be done or kan it ? without costing my arm and leg

[MSTRS]

Yes it can done. Probably only once you are off learner licence (on restricted stage). And be prepared for a jolly good rogering...

[adiddy]

hahaha, mmm 300$ atm aint so bad

[Squeak the Rat]

Annual premium $342.80 incl GST. Excess $350. (Assuming you are over 30).

Thanks for the quote.

[Edit: Forgot to add this:]

There is a convention on sites like this that people don't schill for business.

[Oscar]

Thanks for the quote.

[Edit: Forgot to add this:]

Not my quote - direct from Classiccover.
I don't insure motorcycles for anyone but my own clients (and to be one of those you must pay us a lot of premium indeed).
Call and ask 'em if you like 0800 456 254.

On second thoughts, ask MSTRS:


Oscar is The Man !!
New bike insured thru him $316. Next best State $451. No contest.

[Fatjim]

Good one Oscar, It's to much temptation for some others to mix business with pleasure.