Insurance...

[Ramius]

Woohoo!

Thought I would just mention this totally pointless thing, I got my learners licence on the 8th of September this year, and only have a learners car licence, and I got full comprehensive insurance for my bike last week! :scooter: All other insurance companies would not touch me with a barge pole, so I had to manipulate the truth a bit and say that I had got a quote the day before hand, after a few tense moments with the agent seeing the team leader, she came back with those golden words, we'll insure you.

Yeah babY! :Punk:

[Sniper]

Cool, so who did you get insurance with?

Just remember that if you do have a spill or something, the insurance company do take a good, long, hard look at all your details and they are very quick to back out if they can pin wrong details on you.

It happened to a mate of mine and he lost out on a fair bit and had to fork out, all because he lied about something on his form

[Ramius]

Cool, so who did you get insurance with?

Just remember that if you do have a spill or something, the insurance company do take a good, long, hard look at all your details and they are very quick to back out if they can pin wrong details on you.

It happened to a mate of mine and he lost out on a fair bit and had to fork out, all because he lied about something on his form

AMI. I went with AMI because that was the only place to touch me. And I won't be lying on the form. Just manipulated teh truth to get covered, and that won't be on the form.

Thanks for the heads up! :crazy:

[Sniper]

No worries, and good luck. Ride safe bro

[jase]

AMI are getting greedy, they don't take into consideration how long youv'e been riding or how long youv'e had ya licence, now they go on what type of bike you ride...in my case a 1100 cc
They had a set number and that was that. But they were the cheapest for me so I have to stick with them. Oh well.

[SuperDave]

Woohoo!

week! :scooter: All other insurance companies would not touch me with a barge pole, so I had to manipulate the truth a bit and say that I had got a quote the day before hand, after a few tense moments with the agent seeing the team leader, she came back with those golden words, we'll insure you.

Yeah babY! :Punk:


HA HA, good stuff! Using the little bit of social engineering i see there :2thumbsup

[FlyingDutchMan]

I'm with AMI too - they seem to be able to sort things out very quickly. When some guy backed into my parked bike (he left his busness card in the petrol flap) earlier this year I got a payout (they wanted to write it off, but I still wanted it so they payed me about 80% of the estimated repair costs and let me fix it myself) in about a week. :niceone:

And compared to what guys have to pay in europe etc (I did an Irish online quote once - it came up 6000euro third party only for my CBR250)... I'm not going to complain about our deal here.

[Blakamin]

And compared to what guys have to pay in europe etc (I did an Irish online quote once - it came up 6000euro third party only for my CBR250)... I'm not going to complain about our deal here.
HOLY SHIT!

thats about 5 cbr's!!!

glad AMI helped you, they wouldnt touch my Duc coz I dont own a cage....wtf???

[Sniper]

HOLY SHIT!

thats about 5 cbr's!!!

glad AMI helped you, they wouldnt touch my Duc coz I dont own a cage....wtf???

I know someone else they told that to. Wouldnt insure him because he didnt have house and contents either.

[Motu]

Only bikes I've insurered were 2 I bought new back in the early 70s,they were on tick and had to be insurered.Once I figured out being on drip feed was a dumb idea,I also figured being insured was a dumb idea.If I wreck my bike myself...I fix it myself,if someone else wrecks my bike....they fix it.I've only paid more than 2 grand for a bike twice in my life - I live within my means and don't do dumb things I can't pay for.

[Blakamin]

I'm only insured coz I had to.... damn finance... else i wouldnt bother

[SuperDave]

What happens if some Porshe or a Ferrari pulls infront of you and you end up munting their rear end? Speak under correction, but because you hit them from behind isn't all the blame shifted to you? If you dont have insurance then you are screwed, paying back thousands in repair costs :blink:

[Motu]

Yeah,pays to be careful eh? You should try it some day.

[Sniper]

What happens if some Porshe or a Ferrari pulls infront of you and you end up munting their rear end? Speak under correction, but because you hit them from behind isn't all the blame shifted to you? If you dont have insurance then you are screwed, paying back thousands in repair costs :blink:

Pays not to go around rear ending this unless you want to fork out money for repairs doesnt it?

It all comes down to if you are a good rider or not. If you are then you would be paying attention to the porche of ferrari, you would slow down, narrowly miss them and then blast past on the rear wheel showing your the finger :Oi:

PS, I dont know if this can be done or not? Any ideas from the more experienced riders? :ride:

Moral of the story: Ride safe, be vigilant and you wont need to pay someone else money. :wavey:

[Bonez]

What happens if some Porshe or a Ferrari pulls infront of you and you end up munting their rear end? Speak under correction, but because you hit them from behind isn't all the blame shifted to you? If you dont have insurance then you are screwed, paying back thousands in repair costs :blink:
One reason I have at least third party cover. $30 ish per bike a year isn't a hardship IMHO.

[Sniper]

One reason I have at least third party cover. $30 ish per bike a year isn't a hardship IMHO.

Ummm, I never thought of Third party :kick: :oops:

[bear]

So, for the fellas that don't insure your bikes, or only have 3rd party, do you have alarms on your bikes and what precautions do you take if leaving your bike in public (outside a motel or the like)?

A minimum of 3rd party is surely a good idea. Although you can be viligant, lady luck sometimes deals a rough hand and it would be a bugger to have to repair someone else's car, while trying to scrimp for a new bike as well.

[Batcerb]

All you guys with 600s and are insured, what sort of price ranges are you forking out for your cover?

[bear]

97 Bandit 600 - full cover for $444 pa (Swan)

[Blakamin]

97 Ducati 600ss $550, some joint down south

[FlyingDutchMan]

I know someone else they told that to. Wouldnt insure him because he didnt have house and contents either.

Thats weird - They insured me no probs, under 25, no previous insurance, didn't have house/contents/cage either. But then again, they insured my bike as a CDR250 (obivously they don't take any notice of the letters, just the CCs), until I noticed it and corrected them. Can't wait for my no-claims (and hopefully over 25) bonuses coming up!

[rodgerd]

Pays not to go around rear ending this unless you want to fork out money for repairs doesnt it?

It's not necessarily that simple: it can be a bitch getting into a contest over fault. It's a lot better to have an insurance company in your corner, especially if serious $$$ are on the line. If an expensive car needs fixing, the other bloke's company may try it on regardles of who was at fault.

[Motu]

I have 3rd party fire and theft on my cars,business cars are on full.Trouble is even for 3rd party they won't insure under a certain value,used to be $1000 - I always have some bullshitting to do to get my vehicles over that even for 3rd party...fuck em I say.

They say the best safety feature to fit to a car would be an 8inch spike in the centre of the steering wheel,a very good point (pun came ununounced) I would extend that to bikes - the best safety gear you can buy is not armoured leathers - but to ride in nickers and jandals...those who fall on pea gravel they never saw would then spot it 100 metres away.Same with insurance - drive a $60,000 car,pull out and get hit at an intersection,just swap insurance company names,go to the panelbeater and pick up a courtesy car,pay a few hundred in excess and life just goes on as normal.There is no point in being a good driver,all your mistakes are taken care of with no inconveinience and cost nothing in relation to the cost of the vehicle.If you had to pay for all accident repairs out of your own pocket,I'm sure driver awareness would expand in leaps and bounds.It works for me...

[justsomeguy]

Yes it is always better to have insurance. Because accidents are just that accidents. And at least the premiums you pay give you peace of mind.

I'm sure a lot of you are the best riders in the world - but unless you make sure that everyone around you is a Michael Schumacher clone - then you are going to get hit.

And car repairs are VERY expensive. Especially if the other person has an insurance company. Cos they will repair the car with brand new parts and will charge you things like freight, etc. If you hit someone from behind - it can easily cost about $2000 to fix. Even if it is a $3000 car.

And remember it does not have to be your fault - it just depends on your luck. Trust me I know :crybaby:

Jut pay the insurance and get on with it.

[Cibby]

as you may or may not know,, I am an insurance broker.

I can get incredibly good insurance for you if you are over the age of thirty, and save you a few hundred or so if you are aged between 25-30..

PM if anyone has any problems ok??!??!?!!

[Ixion]

Only bikes I've insurered were 2 I bought new back in the early 70s,they were on tick and had to be insurered.Once I figured out being on drip feed was a dumb idea,I also figured being insured was a dumb idea.If I wreck my bike myself...I fix it myself,if someone else wrecks my bike....they fix it.I've only paid more than 2 grand for a bike twice in my life - I live within my means and don't do dumb things I can't pay for.

Same here. Treasury put a $3K cap on toys <sig> . I reckon I've saved a goodly sum over the years by self insuring. Never had to make a claim on myself.

[Silage]

One reason I have at least third party cover. $30 ish per bike a year isn't a hardship IMHO.

What he said.

Also I have heard it said that if an uninsured vehicle gets run into and the other (insured) driver is at fault, it can be difficult to get the uninsured fixed as you don't have an insurance company to bat for you. $30 has more effect than just covering me for taking out a Kenworth road train or the like :dodge:

As for securing my bikes, I try to remember to double lock on the street and I have an impregnable gargre - well reasonably so - ie shipping container. I have put a cheap "alarm" on the GB - mercury switch wired to a loud buzzer and arranged to be off when on the side stand but active if put upright. Must do that for the GS also.

[Speedracer]

When I got my first bike, I figured that I'd drive carefully enough not to crash it, and it was going to do a lot more damage to me than the other car if I screwed up so what was the point of insurace.

After doing 10,000kms, the engine broke down and I left my $450 motorbike on the road while I had the engine in the back yard for repairs. After a week on the road, someone stole the bike with no engine in it. :blink:
When I get a replacement, I'll be seriously considering theft insurance!

[Ramius]

When I got my first bike, I figured that I'd drive carefully enough not to crash it, and it was going to do a lot more damage to me than the other car if I screwed up so what was the point of insurace.

After doing 10,000kms, the engine broke down and I left my $450 motorbike on the road while I had the engine in the back yard for repairs. After a week on the road, someone stole the bike with no engine in it. :blink:
When I get a replacement, I'll be seriously considering theft insurance!

You have to be kidding? Some bastard stole the frame only? Was he blind?