I need some serious advice

[BigRed2007]

Hi Fellow Kbers:)

Big red again and I am looking for advice financial and biker to another biker :P

Firstly getting a bigger CC bike. Ok this is not about trying to get a bigger bike to show off or anything like that. I am 6'2 and I weigh 135 kgs being a body builder. Now as you know I had a gz250 until i had that unfortunate accident but that gave me a chance to recover and think about my biking and the bike I want next.

So the good thing is I still want to ride... Can you blame me??? Its like a drug you cant get enough.

Ok so now I have a choice of getting an excemption and getting a 650 cc bike to fit my weight. So should i go ahead with that exemption???

Two: In terms of buying a bike now having being paid out somewhat for my previous bike i have appx 3 grand but I want to buy a Savage 650 cc or a good 400 cc cruiser.

What financial advise can you guys give me? What should I do save up 10 grand? Go for the bike when i have 5 grand etc?


Three: getting the gear and bike insurance again...

Having lost 1 k in bike gear cause stupid AMI doesnt cover bike gear in its standard policy ... who should I insure my bike with when I do eventually by a new bike?


I really need advice guys, and if you could suggest any other good 250- 750 cc bikes cruiser mostly that would be a good choice for me I would really appreciate.

In terms of financially I am not really in a rush to buy another bike having experienced the costs with full service, tyres, maintenance and other stuff I am cautious this time..

But its an addiction:P

So I will be looking forward to your advice guys :)

[Karma]

Having lost 1 k in bike gear cause stupid AMI doesnt cover bike gear in its standard policy

Apparently if you have home and contents insurance that should cover your bike gear in the event of a crash.

[shafty]

I agree with comment re household contents insurance.
I personally wouldn't touch a Savage, whatever size.
Consider a V Twin ahead of these singles - Yammie, Kawa an Suzy have several to choose from.

[Gremlin]

So should i go ahead with that exemption???
Based on size, you are most likely going to be allowed (I got one for less kg, one inch taller). Not knowing your skill level, do you feel comfortable moving to a bigger bike?


What financial advise can you guys give me? What should I do save up 10 grand? Go for the bike when i have 5 grand etc?
Don't know the going rate on cruisers, but 400-650 should be cheaper per cc than 250... they are always overpriced. Pay cash for the bike.. don't get a loan.


who should I insure my bike with when I do eventually by a new bike?
Phone up Kiwibike. I use them, they are excellent brokers, and have a high reputation amongst a lot of guys on KB.

Only you will know what you are comfortable on. Be aware that some cruisers place pressure on your lower spine, so you need to see whats comfortable for you, both seat wise, and riding.

First thing you should do is decide if you want to apply for an exemption. If you get one, then you will be able to look at any bikes that might appeal to you, rather than just 250s. Are you on your learners still?

[Nasty]

Hi Fellow Kbers:)

Big red again and I am looking for advice financial and biker to another biker :P


Three: getting the gear and bike insurance again...

Having lost 1 k in bike gear cause stupid AMI doesnt cover bike gear in its standard policy ... who should I insure my bike with when I do eventually by a new bike?

Get insurance .. your gear should be covered under your contents insurance for your house. And if you don't have contents insurance ... you should.

Nasty

[MSTRS]

I think any exemption applies only to a particular bike, not a cc rating or whatever. IE - an actual bike, say HD Sportster, 883cc, Reg # 00ABC, Vin # 0123456789.
In other words, an exemption does not allow you to ride anything in the way that a full licence does.

[BigRed2007]

Apparently if you have home and contents insurance that should cover your bike gear in the event of a crash.

Well my parents phoned up AMi and they said its covered in the premium policy not standard policy ???

Are they making up bull shit? or is AMI just shit?? And trying to get out of paying out ?

[BigRed2007]

I agree with comment re household contents insurance.
I personally wouldn't touch a Savage, whatever size.
Consider a V Twin ahead of these singles - Yammie, Kawa an Suzy have several to choose from.


Ok I never really understood how is a V twin better than a Single??? and what models would you recommend?

[BigRed2007]

Based on size, you are most likely going to be allowed (I got one for less kg, one inch taller). Not knowing your skill level, do you feel comfortable moving to a bigger bike?


Don't know the going rate on cruisers, but 400-650 should be cheaper per cc than 250... they are always overpriced. Pay cash for the bike.. don't get a loan.


Phone up Kiwibike. I use them, they are excellent brokers, and have a high reputation amongst a lot of guys on KB.

Only you will know what you are comfortable on. Be aware that some cruisers place pressure on your lower spine, so you need to see whats comfortable for you, both seat wise, and riding.

First thing you should do is decide if you want to apply for an exemption. If you get one, then you will be able to look at any bikes that might appeal to you, rather than just 250s. Are you on your learners still?

Yes I am still on my learners but the thing is having ridden the 250 cc it was awesome and I practised a lot. However my real concern was

1. I am too top heavy for a 250 cc bike
2. I was scared to go up any hill on a 250 cc as it would loose a shit load of power, and as you know Nz is full off hills... and its a scary feeling loosing power up a hill... note I even changed down but didnt make much difference.
3. I do want to get an excemption because it would make more sense but I would have to take it very slowly, in terms of practise and getting used to 3 times the power.


So Gremlin your pretty much my size, if you were looking at a cruiser what would you recommend for a poor student like me:P, note that I will be saving up but what kind of cruiser would you recommend? any Particular brand?

[BigRed2007]

Get insurance .. your gear should be covered under your contents insurance for your house. And if you don't have contents insurance ... you should.

Nasty

Well my parents have AMI's standard insurance policy...

They said to my mother that AMI doesnt cover accidents under their standard policy... SO if anyone has bike here with AMI - home and contents - standard policy i suggest you either change your insurance company or you get their premium policy---

TBH State insurance was better than AMI --- far better.

[BigRed2007]

I think any exemption applies only to a particular bike, not a cc rating or whatever. IE - an actual bike, say HD Sportster, 883cc, Reg # 00ABC, Vin # 0123456789.
In other words, an exemption does not allow you to ride anything in the way that a full licence does.

I didnt know, thanks for telling me mate. I really appreciate it. I will confirm that with the person who will be signing the DL form for me.

[jafar]

See if you can get the exemption to go to a VT750 honda, should fit you a bit better. Not an overly powerful model & there are a few around 2nd hand.

[BigRed2007]

searching on trade me now :P

[BigRed2007]

average price of a shadow second hand ranges from 8-10 k,

Man looks like I will be saving up for a while lol

[Edbear]

I tend to agree with Shafty, Gremlin and Jafar. You should also PM Jetboy re: insurance, although Kiwibike matched his quote, he gave a special KB rate lower than the insurance company would normally give and as he was a KB'r and wanting to get more bikers on board to influence the company I went with him. Classic Cover is also good, but only for +35's.

Also, Jetboy's Roadside Assist option is about the best around.

You could also look at the Yamaha 650 V-Star. Not sure what they're going for but a mate has one and loves it.

[BigRed2007]

ty um yamaha's are expensive ..

i saw a nice 400 cc yamaha but 6 k + and in dunedin

[surfer]

You will dwarf a savage, definitely don't go there. Nice bike for a smallish person moving off a 125cc machine but the reality is there won't be that much performance difference between a savage and most 250s. You will regret the purchace if you do buy a savage, your knees will be up under your elbows.

I had one, liked it but then mofied it somewhat. Wished I'd waited a bit longer though and got a v twin instead.

[BigRed2007]

Thanks surfer

So your saying the savage 650cc will still be dwarfed???

I was looking at the honda shadow vt750 cc... but dam man... 8000 grand + lol i will be saving for at least a year or two..

[Karma]

Isn't this all rather academic if you don't have the exemption in the first place?

Can I suggest you focus on finding out if they'll legally let you ride a bigger bike before you start sweating about which one.

[breakaway]

Isn't this all rather academic if you don't have the exemption in the first place?

Can I suggest you focus on finding out if they'll legally let you ride a bigger bike before you start sweating about which one.

Dreams are free :yes::scooter:

[BigRed2007]

I talked with the guy who trained me for my basic license, he told me to take a photo on a gn250 and then on a honda shadow 750 and yeah prove to them the difference.

And apply using the DL form which I will be doing

[*caution*]

Hi Mate, you sound a bit like me i also hit the gym pretty hard i'm 6"4 and my weight is up and down between 115-125kg, I got an exemption to ride a 650cc, details here:

http://www.kiwibiker.co.nz/forums/showthread.php?t=46993

They told me they won't give the exemption without photos, they'll call you once you've submitted the form then you can email some in or submit with the form, she asked me if i had a bike in mind, was buying it off my dad so I did, otherwise they'll give you some time to find a bike and you'll have to check it with them before you buy, then they'll issue the exemption ONLY for that bike, my bikes an SV650S, i'm guessing if i'd said GSX-R they would have said NO WAY!!, i'm not sure how you'll go with a cruiser, but something around 750cc should be fine.

The only bike i'd riden before was a GN125!!!! And I can tell you it was an absolute dog compared to my SV, I was worried about having the extra power but found its fine, I guess it just depends on your personality, can you hold off that temptation to twist the right hand????? :eek: Its good to have that extra power if you hit a hill, need to keep with the traffic flow, or need to burn some knob boy racer or SUV whos tail gatting.....

You might struggle to get insurance if you have an exemption, initially I tried to just get added on my dad policy, they said....Learner??? 650??? NO WAY!!, he had to do some sweet talking with their underwritter to get me on based on his previous long and uneventful history with them (sorry can't remember who it is just now, not one of the big companys AMI, State etc).

Sorry didn't catch what lisence your on, but if your not worried bout waiting, maybe just save up while you work through the licences, borrow a bike for the tests and by the time you've got the money you want you'll have your Full anyway....

Engine, V-Twins are sweet is all i can say, cage or motorbike, on the road its nice to have an engine with low down torque.

Take it easy man:rockon:

[BigRed2007]

Thank you very much mate, for yoru big type out.

SO there you go Karma i have to first decide what kind of bike I wanna get before I can apply for an exemption...

So please advise away guys and girls :P

And yes the peeps around me have been saying get an SV 650 like yours as well hmmmm, how does she handle?

add me on msn if you have it :P

[Karma]

I've heard (and seen) different. You simply apply for the exemption and they say "you can have anything upto 1000ccs" or something.

Systems might have changed of course...

[BigRed2007]

Yeah thats true, I dont really wanna apply for an excemption if I only have a few weeks to get a new bike... its like hello i am not a millionaire or something lol

[Renegade]

just take your time man and work through your licences, borrow bikes from mates to satisfy your urges(be warned this can have the opposite effect) and save your cash for the bike that you want, you'll know the bike is the one when you see it

[Gremlin]

arrgh... my poooost was loooost...

basically... harder to get an exemption on a learners, so you increase your odds of success by allowing a stricter exemption. My exemption, on my restricted removed the cc limit, I could ride any cc bike.

For learners, best you first have pics of what you're saying, and have a bike in mind, or I think someone mentioned they ring you up (not the case for my restricted).

If you're a big bugger wanting a cruiser they won't mind tooo much, but they certainly won't allow a sportsbike :rolleyes:

[Kwaka14]

Hi Fellow Kbers:)

Big red again and I am looking for advice financial and biker to another biker :P

Firstly getting a bigger CC bike. Ok this is not about trying to get a bigger bike to show off or anything like that. I am 6'2 and I weigh 135 kgs being a body builder. Now as you know I had a gz250 until i had that unfortunate accident but that gave me a chance to recover and think about my biking and the bike I want next.

So the good thing is I still want to ride... Can you blame me??? Its like a drug you cant get enough.

Ok so now I have a choice of getting an excemption and getting a 650 cc bike to fit my weight. So should i go ahead with that exemption???

Two: In terms of buying a bike now having being paid out somewhat for my previous bike i have appx 3 grand but I want to buy a Savage 650 cc or a good 400 cc cruiser.

What financial advise can you guys give me? What should I do save up 10 grand? Go for the bike when i have 5 grand etc?


Three: getting the gear and bike insurance again...

Having lost 1 k in bike gear cause stupid AMI doesnt cover bike gear in its standard policy ... who should I insure my bike with when I do eventually by a new bike?


I really need advice guys, and if you could suggest any other good 250- 750 cc bikes cruiser mostly that would be a good choice for me I would really appreciate.

In terms of financially I am not really in a rush to buy another bike having experienced the costs with full service, tyres, maintenance and other stuff I am cautious this time..

But its an addiction:P

So I will be looking forward to your advice guys :)


I'm 126kg and 6'3" and I had problems when I was learning, THere was almost no way to get an exemption back then. My advice to you is if you can get an exemption look at an older 750 cc, maybe a gsx750 ES or something in the mid or early 80's as they don't cost the earth to replace if you do have a bin and they're reasonably forgiving in the way they ride. good luck.

You should try ACC for your gear. A mate of mine in hospital was able to claim for his.....

[discotex]

No ideas on the exemption process but here's a list of the bikes approved for learners across the ditch.

http://www.rta.nsw.gov.au/licensing/tests/motorcycleridertrainingscheme/motorcyclesnoviceriders.html

One would assume if they're considered safe for learners in aussie they'd be a pretty safe choice power wise.

[Nicksta]

hey dude, how are you going with your search for a bike and exemption?

my 2c worth... Gremlin has some good points... he has been there, done that to do with the exemptions....
as for a bike... the naked SV650 is not really a crusier, but a nice bike and not all sporty looking.... the v-twin engine is a 650, but is more forgiving and torquey... so not as likely to get you in the shit like a gsxr for example... its also got quite an upright seat position and high seat for taller people.... bit of a compromise till you get your full and can pick what you like.... they have also been around for a few years now so an older one might be in a good price range....
as for insurance... best thing to do is give Dave from kiwibike a call on 0800629253. If anything he is awesome to talk to about all the ins and outs of bike insurance, what you can and cant be insured for especially to do with the exemption.... he is a biker himself and very happy to help fellow bikers.
happy riding dude!

[Nicksta]

hey dude, how are you going with your search for a bike and exemption?

my 2c worth... Gremlin has some good points... he has been there, done that to do with the exemptions....
as for a bike... the naked SV650 is not really a crusier, but a nice bike and not all sporty looking.... the v-twin engine is a 650, but is more forgiving and torquey... so not as likely to get you in the shit like a gsxr for example... its also got quite an upright seat position and high seat for taller people.... bit of a compromise till you get your full and can pick what you like.... they have also been around for a few years now so an older one might be in a good price range....
as for insurance... best thing to do is give Dave from kiwibike a call on 0800629253. If anything he is awesome to talk to about all the ins and outs of bike insurance, what you can and cant be insured for especially to do with the exemption.... he is a biker himself and very happy to help fellow bikers.
happy riding dude!