State Insurance.

[Guitana]

State Insurance kiss my arse!!!!!!!!

Finally after waiting nearly a year for my $500 refund it arrives in the mail yesterday,it just goes to show if you pester these Fungal Lifeforms long enuff they will cave and pay you out!!!
Can't wait till the next tosser hits me!

Has anyone else had problems with their insurance payouts from these clowns or any other insurance parasite for that matter!! and if you have how long did it take for you to get justice and did you have to harrass them for your money????

[Squeak the Rat]

State Insurance

There's your problem right there.


Wouldn't touch them with a greased up vibrating pole.

[yungatart]

Gaaarrrhh! I did not need to read that right now!
hXc got hit from behind a couple of weeks ago.
He and the girl that hit him are both covered 3rd party only by State.
We were told that we could not proceed with our claim until the other party had lodged their claim.
She has (after almost two weeks) finally lodged her claim, stating that hXc pulled out of a a side street in front of her...WTF??? (all of the damage to his bike is on rearward facing parts).
We can get a copy of the accident report from the pollies , instantly (at our cost) or wait anything up to 6 wks for it to be forwarded to State.
Meanwhile the bitch who hit him, is still driving to school in her pus bucket, telling a different story every day to whoever will listen,while Zac is reduced to riding Mum's cruiser to school (how uncool is that!), while his bike is in a very sorry state at the bike shop.
And still we wait.......
I would NEVER do 3rd party insurance again!! I am changing to full cover with a voluntary high excess, premiums are pretty much the same as 3rd party

[Disco Dan]

State are wankers... took them 6 months to pay out my last claim. That was 6 months with no vehicle, and no money. Cheers state. Fuckers.

Avoid them like the plague.

[yungatart]

We have been insured with State for years BTW, House, contents, vehicles etc. We have never had a problem with them before.

[avgas]

the insurance company wrote my bike off, and sold it in an auction- well before they even talked to me about money.
I was fucked off cos i was going to buy the bike back at the auction - crutches and all.
When i asked - ok when will i get my money.....in 3 weeks time....ok so when is the bike to be auction - it was at turner last month.
This is after they had told me i was in the wrong - until i threatend to take their client to court again so he could get charged again.

[Colapop]

F*ckers have wasted no time in blaming me for the accident their client caused, and sending me a letter demanding that I pay $4k for two dented doors! I am in the process of issuing a counter claim to Sate to tell them to shove it up their arse. My quote to fix my bike was a little over $5k - yay I win. It won't cost me that much thanks to the wonderful people at KB but if those f*cks think I'm just going to bend and say please then they've got another thing coming and it aint what they thought!

[Guitana]

I'm thinking of going to AA after all I am a member but my wifes car was already under state so we just carried on! This is the first real hassle I've had with them but what do you expect from parasites that live off human misery!!!!

[Karma]

I'm insured with State, policy is cheap, excess is low, they cover trackdays, and so far I've never had to claim. No worries.

[Drum]

.........while Zac is reduced to riding Mum's cruiser to school (how uncool is that!), ......

WTF! That's not uncool at all! What could be cooler than an Eliminator!

[Karma]

WTF! That's not uncool at all! What could be cooler than an Eliminator!

Thrush?


(10 filthy chars)

[Indiana_Jones]

I would NEVER do 3rd party insurance again!! I am changing to full cover with a voluntary high excess, premiums are pretty much the same as 3rd party

Yep I'm on full cover now, I'd only do 3rd party for a real cheap bike etc.

I doubt i'll ever see a penny from the fucker that fucked my bike up.

So went full for my CBR.

-Indy

[yungatart]

WTF! That's not uncool at all! What could be cooler than an Eliminator!

Its not that its an Eliminator that makes it uncool - it is that it is Mum's Eliminator... subtle difference, I know, but huge if you are a 16 y/o boy!


Thrush?

(10 filthy chars)
Wash your mouth out, boy!!

[Karma]

Wash your mouth out, boy!!

I thought I had a funny taste in my mouth after K'Rd last night...

[WRT]

I'm insured with State, have been since I was young and they were the only ones who would take the risk on a young fulla riding a sports bike.

Had one claim with them, nearly 2 years ago now. Wrote off the TLR, had a haggle with them over the value of the bike, but I just went to Colemans who provided a valuation and State turned around and offered $500 less that what Colemans specified - I was reasonably happy with that figure. From crash to cash was about 6 weeks I think. I wouldn't think you would get all that much better service from any of the other insurers.

All in all, you get reports of people having good experiences and bad experiences with all of the Insurance Co's. I can't speak for others, but in dealing with State, I was straight up and down, didn't try to "pull the wool" or claim for more than I was entitled to, and didn't get upset or yell at them at any point. I just followed the process and was happy with the outcome.

And because of the outcome with that claim, I am still with State.

[bungbung]

I've got a pile of policies with state. I claimed on my cage policy after some woman drove into me. All done on the one phone call, the car was at the beaters the next day.

[Quartermile]

Insure with Kiwi Bike Insurance they are legend,

Very helpful and they somehow for an insurance company actually care.

Their slogan: Bike with the insurers who dare -
Insure with the bikers who care

[Guitana]

Yeah I did'nt have a gripe with the work being done that was excellent it was just paying back the $500 excess cos the smash was'nt my fault!!

[Chisanga]

Insure with Kiwi Bike Insurance they are legend,

Very helpful and they somehow for an insurance company actually care.

Their slogan: Bike with the insurers who dare -
Insure with the bikers who care

Kiwibike are brokers not insurers. However they organised my insurance with Swann who approved repairs to my bike within a week of my bin :)

Just waiting on parts from Japan though :(

[lb99]

I've got a pile of policies with state. I claimed on my cage policy after some woman drove into me. All done on the one phone call, the car was at the beaters the next day.

I too have all my insurance with state, I have had claims before both my fault and not, and never had any problems.

now I have cool perks like free unlimited glass on my car and house, all for being loyal.

thank you state

[chanceyy]

We have been insured with State for years BTW, House, contents, vehicles etc. We have never had a problem with them before.


am with you tart never had any issues getting paid out quickly & painlessly ..

[Colapop]

I'm thinking of going to AA after all I am a member but my wifes car was already under state so we just carried on! This is the first real hassle I've had with them but what do you expect from parasites that live off human misery!!!!
Go see my mrs (AA Porirua) she'll hook you up with AA insurance. They have specific motorcycle insurance and if you have AA plus membership you get motorcycle breakdown assistance as well.

[Guitana]

Will do COL!!!!

[BUNGY]

Go see my mrs (AA Porirua) she'll hook you up with AA insurance. They have specific motorcycle insurance and if you have AA plus membership you get motorcycle breakdown assistance as well.


Do AA do a very good deal because they wont insure me until I get my full but am thinking of changing to them when I get it because all our other insurance is with them.

[Jantar]

In 1988 my wife spun, rolled, then flipped our 6 month old $31,000 car. It should have benn written off, but State had it repaired with second hand parts. The repair wasn't good, and after getting the car back from the panel beaters it did not feel safe to drive. State claimed it was up to WOF standard and that was good enough. We traded it in on another new car and only received $13,000 as a trade in. The poor trade in price was because the car had obviously been in a major accident and still required a lot of work. State wouldn't acknowledge that the car hadn't been restored to its pre accident condition.

We gave up fighting State, cut our losses, and simply changed insurance companies. However, for the rest of my life I will advise people not to deal with State Insurance. They are the worst company in New Zealand when it comes to claims.

[Fub@r]

My brother a few years back had an 88 laser 2 door. Parked outside his work this woman high on drugs plowed into it embedding her car in to his that her front bumper was where his handbrake was.

Due to it being an agreed value policy $5000, quote for repair was $4500. State opted to repair the car!!!!!!!!!!!

8 weeks pass, brother rings repairer to ask where his car is. Guy replies that it is in Howick (repairer is in Onehunga). Turns out a place in Howick was $10 a side cheaper to install the rear struts than the Onehunga repairer so they sent a tow truck to pick it up and take it to Howick to have these bits fitted then picked it up and took it back to Onehunga.

Eventually got the car back, never drove properly again so he flogged it off.


And from stories I have heard for people I know watch out if you have an accident between two customers of State!

[Swoop]

...(all of the damage to his bike is on rearward facing parts).
He shouldn't have been in reverse gear!!!

Sorry, I'll get my coat now...:dodge:

Hope the young girl get's what is coming to her... and NOT teenage pregnancy!

[Shaun]

Insure with Kiwi Bike Insurance they are legend,

Very helpful and they somehow for an insurance company actually care.

probally due to the fact that Dave rides bikes himself and is a genuine good guy!

Their slogan: Bike with the insurers who dare -
Insure with the bikers who care

I do a lot of Insurance repair work for this company, very very good to deal with

[bull]

I have all insuracne with State except my bike, they have been great to deal with for the minor car scrape but chose not to use them for the bike cover as they wanted to charge me $947 a year, so i went with Swan Insurance $432 a year for same cover.

[Guitana]

In 1988 my wife spun, rolled, then flipped our 6 month old $31,000 car. It should have benn written off, but State had it repaired with second hand parts. The repair wasn't good, and after getting the car back from the panel beaters it did not feel safe to drive. State claimed it was up to WOF standard and that was good enough. We traded it in on another new car and only received $13,000 as a trade in. The poor trade in price was because the car had obviously been in a major accident and still required a lot of work. State wouldn't acknowledge that the car hadn't been restored to its pre accident condition.

We gave up fighting State, cut our losses, and simply changed insurance companies. However, for the rest of my life I will advise people not to deal with State Insurance. They are the worst company in New Zealand when it comes to claims.

You should've sued the bastards and what the fuck was ya missus doing to cause that amount of damage?????

[lb99]

And from stories I have heard for people I know watch out if you have an accident between two customers of State!

that was the easiest claim I have ever had, state customer backed into me at speed, I called my insurance co(state also) 2 days later my car was in the shop being fixed, no probs, brand new parts too.

sometimes a panel beater may skim a bit using s/h parts if he's a bit sifty, if you arent happy with the job then take it back and ask for it to be fixed up.

[Finn]

We have been insured with State for years BTW, House, contents, vehicles etc. We have never had a problem with them before.

Have you made any claims?

[yungatart]

Have you made any claims?

Several over the years. Have had our bathroom repaired (water damage) twice, theft claims, and vehcle claims.
However, we have come unstuck over our latest claim, where hXc (3rd party ins on his bike), was hit from behind by another State customer 9also 3rd party only). Despite receiving a traffic offence notice, she is refusing to admit liability for the accident... we seem to be in a holding pattern with nothing happening at the moment.

[Guitana]

Several over the years. Have had our bathroom repaired (water damage) twice, theft claims, and vehcle claims.
However, we have come unstuck over our latest claim, where hXc (3rd party ins on his bike), was hit from behind by another State customer 9also 3rd party only). Despite receiving a traffic offence notice, she is refusing to admit liability for the accident... we seem to be in a holding pattern with nothing happening at the moment.

If the coppers have issued them with a traffic offence notice for causing the accident there should be no problems!! This is similar to what happened to me but it was a truck that tore my door off and ripped me out of my seat onto the road. He was getting around a car on the inside and just kept driving away and told the cops he wasnt even near the accident scene shame there just happened to be a number of witnesses that saw it!! He might have got off!

[Squeak the Rat]

State - The Oblivious.

[yungatart]

If the coppers have issued them with a traffic offence notice for causing the accident there should be no problems!! This is similar to what happened to me but it was a truck that tore my door off and ripped me out of my seat onto the road. He was getting around a car on the inside and just kept driving away and told the cops he wasnt even near the accident scene shame there just happened to be a number of witnesses that saw it!! He might have got off!

Witnesses at the scene and evidence collected by the attending officer back up hXc's story 100% - but, the girl will not admit liability, so we are stalled "in negotiations".

[Masterchop]

[sometimes a panel beater may skim a bit using s/h parts if he's a bit sifty, QUOTE]

This cant actually happen as all the parts are bought off an online parts system that IAG (State Insurance) have access to and know what parts are supplied and what price is paid.
If you dont buy the cheapest part available you have to explain why,sometimes the new parts are cheaper than second hand.