Which bike insurance?

[TheDrake]

Hi all.

Just a quick question now that my bike has cleared customs, MAF and entry certification. Who are the best insurance companies for bikes? I would prefer a company that actually knows something about motorcycling and has appropriate medical/legal cover. Trying to get any info out of the guys on the telephone is like extracting teeth!

Thanks in advance

Michael

[Squeak the Rat]

Classic Cover
Mike Baker
Kiwibike

There are shitloads of threads on insurance dude, do a search. Eg http://www.kiwibiker.co.nz/forums/showthread.php?t=33418&highlight=insurance

[Fishy]

Star Insurance are excellent!.

[Squeak the Rat]

Yep, forgot Star Insurance....check this thread out..... http://www.kiwibiker.co.nz/forums/showthread.php?t=37956

[dawnrazor]

if your over 30 classic insurance are very competitive

[Disco Dan]

im with state, but their nasty.... :angry:

now im looking for just bike insurance as no car now...

im under 25 though... any thoughts?

[Cibby]

I highly recomend Star Insurance as well.

Phil on 0800968000

[Southmotian]

I highly recomend Star Insurance as well.

Phil on 0800968000

I agree. If you get in touch with John Baker insurance brokers they can check with a number of companies but will almost always end up with STAR and may be able to negotiate a small discount.

See http://www.kiwibiker.co.nz/forums/showthread.php?t=36644 to get in touch with Tim from JB.

[kiwifruit]

Tim on 0800 65 62 64
He is a broker who will work hard for you.
(jetboy on kiwibiker)

[TheDrake]

Thanks for your help guys and gals.

Tim at John baker Insurance beat my best quote and through in roadside assistance. Great tip! Thanks again.

[Oscar]

I agree. If you get in touch with John Baker insurance brokers they can check with a number of companies but will almost always end up with STAR and may be able to negotiate a small discount.

See http://www.kiwibiker.co.nz/forums/showthread.php?t=36644 to get in touch with Tim from JB.

John Baker owns Star.

[jetboy]

John Baker owns Star.
Who does your company recommend?

[Oscar]

Who does your company recommend?

We don't have a hard and fast recommendation.
We're Brokers remember, we get the best deal for the punter.
Must be difficult for you though, as your boss owns Star...

[quackquack]

Oscar you are a broker so which are the companies that your company uses. I understand there will be a couple but who are they and why do you choose one over the other.

And do you do quotes

[Oscar]

Oscar you are a broker so which are the companies that your company uses. I understand there will be a couple but who are they and why do you choose one over the other.

And do you do quotes

If you are over thirty, call Classic Cover.
If you aren't, your choices are limited to whichever insurers you or your family have an existing relationship with or specialists like Star, E-Bike and that Golightly guy in Christchurch.

[quackquack]

I heard the E-bike one was dodgy as from what people are saying in forums here.

Do you do quotes oscar should I PM you looking at an off-road cover

Does your company do all people over 30 with classic. And which company do you work for.

[Oscar]

I heard the E-bike one was dodgy as from what people are saying in forums here.

Do you do quotes oscar should I PM you looking at an off-road cover

Does your company do all people over 30 with classic. And which company do you work for.


I deal with mainly commercial and industrial insurance, so no - I don't generally provide premium quotations for motorcycles. However I have a lot of experience in the wholesale end of the market - dealer schemes for various bike importers and I've worked with insurers and underwriting agencies to develop new bike products.

Frankly, most of the so-called "Motorcycle Insurers" that get mentioned here aren't insurers at all - not as defined by regulation. They are underwriting agencies, set up usually by Brokers to sell a specialist product. Star, for example is an underwriting agency for Lumleys, whereas Classic Cover uses Vero. What does that mean to you? Not much - both of the underlying insurers mentioned are pretty good, Lumleys is rated A- and Vero A+.

However what I was alluding to earlier was the relationship between these companies and brokers - for example the fact that Star is owned by one Mr. J F Baker - who also owns John Baker Insurance Brokers. This should probably give you food for thought when Star is recommended by an employee of his.

E-Bike?
Not even resident in NZ.
Operated from Sydney as I recall.
Cover is underwritten by Southern Rock, a company registered in Gibraltar. Is this a reason not to insure with them? Maybe, maybe not, but it is another fact you should consider.

As far as my bikes are concerned, my babies are insured with Classic Cover, who I would recommend to anyone over thirty.

[quackquack]

[QUOTE=Oscar;858070]I deal with mainly commercial and industrial insurance, so no - I don't generally provide premium quotations for motorcycles. However I have a lot of experience in the wholesale end of the market - dealer schemes for various bike importers and I've worked with insurers and underwriting agencies to develop new bike products.

Jeez Oscar you know now to not answer a question I asked who your company recommends and you give me a long winded spin answer that actually doesn't answer my question. So If somewalks in your door that owns a bike you send them down the road even if they want to do their business house car and their underwear with you. Which insures (you said you worked on them) do bike manufactures work with I know Honda does the riders club with vero any out their working with other companies

Also Cheers Jetboy thank for taking the bull by the horns and PM'ing me it was fast easy and so so cheap about half of what protector quoted.:drinknsin :drinknsin

[Oscar]

[QUOTE=Oscar;858070]I deal with mainly commercial and industrial insurance, so no - I don't generally provide premium quotations for motorcycles. However I have a lot of experience in the wholesale end of the market - dealer schemes for various bike importers and I've worked with insurers and underwriting agencies to develop new bike products.

Jeez Oscar you know now to not answer a question I asked who your company recommends and you give me a long winded spin answer that actually doesn't answer my question. So If somewalks in your door that owns a bike you send them down the road even if they want to do their business house car and their underwear with you. Which insures (you said you worked on them) do bike manufactures work with I know Honda does the riders club with vero any out their working with other companies

Also Cheers Jetboy thank for taking the bull by the horns and PM'ing me it was fast easy and so so cheap about half of what protector quoted.:drinknsin :drinknsin

Short version:
If you are over thirty call Classic Cover.

[jetboy]

[QUOTE=Oscar;858070]I deal with mainly commercial and industrial insurance, so no - I don't generally provide premium quotations for motorcycles. However I have a lot of experience in the wholesale end of the market - dealer schemes for various bike importers and I've worked with insurers and underwriting agencies to develop new bike products.

Jeez Oscar you know now to not answer a question I asked who your company recommends and you give me a long winded spin answer that actually doesn't answer my question. So If somewalks in your door that owns a bike you send them down the road even if they want to do their business house car and their underwear with you. Which insures (you said you worked on them) do bike manufactures work with I know Honda does the riders club with vero any out their working with other companies

Also Cheers Jetboy thank for taking the bull by the horns and PM'ing me it was fast easy and so so cheap about half of what protector quoted.:drinknsin :drinknsin
worries dude, glad I could help you out.
If anyone else would like a quick and simple quote for quality bike insurance let me know and I will look after you as I have done to several other KiwiBikers.
:rockon:

[Oscar]

[QUOTE=quackquack;858160]
worries dude, glad I could help you out.
If anyone else would like a quick and simple quote for quality bike insurance let me know and I will look after you as I have done to several other KiwiBikers.
:rockon:

[Lias]

My 2 cents.

Didnt like dealing with Protecta after my 1st bin, I felt like they were calling me a liar and they farted around for months before paying out.

Went with NAC after that and have found them good to deal with, especially when I got taken out by the car. No hassles at all with excess being waived etc as I wasnt at fault, and the only real delays with getting the bike back on the road was with waiting for parts from japan which is outside their control. Happy to recommend them.

NZI should also probably get an honourable mention, when I first got my 250 and was on my learners they quoted me quite a high price compared to the bike insurers. However when I was using my 250 again for a few months while the marauder was in the shop they gave me full cover for $24 a month, which I could cancel at any time (no paying 1 year in advance etc)

[Roj]

I use state insurance but as I have all the rest of my insurance with them I get a good deal and have never had any hassels, they have paid out on 2 bike accidents without any problems at all, in both cases my lady was not at fault, all paid out in full, no loss of excess or no claims

Saying that I am not as young as I once was:scooter:

[Chisanga]

[QUOTE=quackquack;858160]

Short version:
If you are over thirty call Classic Cover.


Will Classic Cover still insure me if I'm on my learners and over 30? I realise I will be hit with a bigger excess of course)

[Oscar]

[QUOTE=Oscar;858164]


Will Classic Cover still insure me if I'm on my learners and over 30? I realise I will be hit with a bigger excess of course)

Good question.
Give them a call: 0800 456 254

[Hailwood]

I rang all the insurers for a quote on the Softail as it is time for renewal.....so far my broker has got the best deal through NZI but if any of the brokers here want to PM me I can give them the details to see if they can do better..hint hint

[jetboy]

[QUOTE=Chisanga;858787]

Good question.
Give them a call: 0800 456 254
hey there - if you would like a quote from me, PM me as I can insure you if you are on a learners at any age :)

[Babelfish]

I originally insured with State, who I have everything else insured with, for the last 20 years (!) and they had me paying 1000 excess which was just bollocks. So I checked classic cover and my excess is halved on pretty much the same premiums. States current policy for bikes is that anything over a certain cc rating gets 1k excess regardless of age or experience...so they can get well and truly stuffed.

As Oscar puts it: short version, if you are over 30 call Classic Cover.

[Hailwood]

I rang classic cover as well as the others during my ring round and, although they were the cheapest, my current broker has got me a better deal through NZI....pending JetBoy's excellent work he is doing....my advice..once you have got all your quotes, double check them with a broker who might be able to do better again.......just my opinion anyway

[Donor]

Well, spent a good few hours ringing around, firing emails left right and centre, and finally thought I'd track this Jetboy fella down.

Bloody good move!

He kicked the AA quote I got RIGHT in it's bum by more than $50, and ran over the top of ClassicCover by almost 10%

No-one else got even close.

Bit pissed about AA as I have been a member with them for over 10 years, and have 2 cars, my house and the contents with them, and they more or less shafted me, even after I told them they were in danger of losing out.

So, Jetboy IS the shizz, SWMBO approved the expense, and to his fine place of employment it goes. Now to sit down and re-evaluate all the other insurances.

Thanks Jetboy, pleasure dealing with you - thanks for making it painless on a dumbass like me!

[klingon]

Bit pissed about AA as I have been a member with them for over 10 years, and have 2 cars, my house and the contents with them, and they more or less shafted me, even after I told them they were in danger of losing out.


Well I've been a member even longer than you (nya nya) and I have my car insured with them but they won't even insure me because I have a learner's license. Not even 3rd party!

[prvoke]

just insured mine, learner license full insurance for 2k on a kr150
$259 a year
Through my broker who deals with NZI, was $160 for 3rd party.

[Dafe]

National Auto Club (Whangarei)

Cheap cheap cheap!

[Donor]

Well I've been a member even longer than you (nya nya) and I have my car insured with them but they won't even insure me because I have a learner's license. Not even 3rd party!

I told them I was on a learners, that was fine.

When I rang back to say that a broker had spanked them, the reply was immediate "We can't beat that."

Doing a little too well perhaps? Or just don't give a crap...

Either way, off to JB to sign on the dotted line this arvo. Bit gutted though, got to take the cage, hard to carry an office chair back on the bike :(

[jetboy]

Either way, off to JB to sign on the dotted line this arvo. Bit gutted though, got to take the cage, hard to carry an office chair back on the bike

Best make sure ours are bolted to the floor then aye... :)

[Oscar]

National Auto Club (Whangarei)

Cheap cheap cheap!


I've said it before, but why are guys buying insurance on price?
Shall I keep an eye out for a thread title "XYZ Insurer won't pay my fuckin' claim"??

[Hailwood]

Well I have just completed my insurance for the next year....all i can say is if you don't get a quote from Tim aka Jetboy from here, you guys must be mad!!!!!!!!!!!

He has made this entire process so damn easy..all done today via PM and has been able to undercut quote from my own broker an thrown in roadside assistance as well. I am now insured with Star Insurance (as of 17/12) and am a very happy little biker....

Thanks Tim...you rock :rockon:

[Grumpy Gnomb]

oh well guess jet boy and the company he uses is the best way to go then

[Donor]

Best make sure ours are bolted to the floor then aye... :)

Not sure about your office chairs, but those couches are real comfy...

Nice colour matching on the girls at reception too! :yes:

[ynot slow]

i went with swann insurance through kiwibike.co.nz or 0800629253,they gave me several options but swann were cheapest,as long as bike is under 20yrs as the parts are problem for some,mine was not quite when i applied at time.

[Chisanga]

Good question.
Give them a call: 0800 456 254

Just spoke to Classic Cover today - you need to be over 30 AND have had your full license for two years to be covered by them.

[Chisanga]

oh well guess jet boy and the company he uses is the best way to go then

I just got off the phone with Jetboy (Tim) and I was very impressed with what he offered. Very competitive rate and he gives excellent customer service, I wouldn't hesitate in recommending him and his company to all who are looking at getting or renewing their bike insurance and no I don't get a discount for posting this :)

Have a good day all :done:

[Ice_Monsta]

Hi, i'm 18 looking at getting a 225cc Yamaha Scorpio, looking at brand new seeing as i can't see any second hand's around the place. I'll be getting my learners on the weekend hopefully and buying a bike when summer rolls back around, but I really want to know how much third party fire and theft insurance would be for me to insure it myself...or should i put the bike in my parents name and have them pay for me to be the named driver? it works out cheaper for the car :innocent:

[kiwifruit]

Hi, i'm 18 looking at getting a 225cc Yamaha Scorpio, looking at brand new seeing as i can't see any second hand's around the place. I'll be getting my learners on the weekend hopefully and buying a bike when summer rolls back around, but I really want to know how much third party fire and theft insurance would be for me to insure it myself...or should i put the bike in my parents name and have them pay for me to be the named driver? it works out cheaper for the car :innocent:

welcome to the site :)

i go thru john baker, jetboy on the site works there and will do his best for you. ask him about your options re having it in your parents name etc, he is a helpful guy.

0800 65 62 64, ask for Tim (jetboy)

:rockon:

[puddy]

Here here!JETBOY and Star Insurance ROCK!

[Oscar]

Hi, i'm 18 looking at getting a 225cc Yamaha Scorpio, looking at brand new seeing as i can't see any second hand's around the place. I'll be getting my learners on the weekend hopefully and buying a bike when summer rolls back around, but I really want to know how much third party fire and theft insurance would be for me to insure it myself...or should i put the bike in my parents name and have them pay for me to be the named driver? it works out cheaper for the car :innocent:


Theoretically it shouldn't make any difference.
If you're the main rider, then the bike will be rated as if you own it.

[Ice_Monsta]

I did an online quote for insurance - can't remember off the top of my head which company, but they came out at $400 a year :gob:
Although that is for full insurance...I'm a student!!! I don't have that sorta money, i was hoping bikes are going to be cheaper. Ah well, i'm going for it now either way i'll have to find the money, because i did my basic handling test yesterday - Pass :yes: yay

[Edbear]

Good to get insight from those in the industry! I went with Tim, (Jetboy), as his quote matched Kiwibike but he's a KB'r and the terms were good. We've been with State forever and have all our insurances with them and have nothing bad to say about their prices or the service we've had from them. However their quote for the bike was about $200 over Tim's and no roadside assist on bikes despite having it free with our car insurance.

[notasothers]

Give NAC a try. From the 15+ companies i tried they were the cheapest.

The only problem is they dont combine all your other insurances... but that aside they are cheap cheap cheap. Roadside assistance is included too.