This is for anybody looking for bike insurance [Archive]

N1NJA R

12th March 2008, 13:58

kiwifruit

12th March 2008, 14:07

yes, Tim for the win :yes:

YellowDog

12th March 2008, 14:21

I was using http://www.ebikeinsurance.co.nz/ however they do seem a bit Mickey Mouse and you wonder if you would be actually covered if you were to have a problem. Bit expensive too.

I found that Tower were able to offer a better price and were happy for me to push the excess up to help reduce the premium.

I will certainly give Tim but Dim a call to see what he says.

Thanks for the tip.

crazybigal

12th March 2008, 14:25

did you try kiwibike?
http://www.kiwibike.co.nz/
great people to deal with, best price i could find

Hitcher

12th March 2008, 14:31

did you try kiwibike?
http://www.kiwibike.co.nz/
great people to deal with, best price i could find

Agree 100%. Outstanding service and advice.

spookytooth

12th March 2008, 15:00

agree on kiwibike I did't try others

Usarka

12th March 2008, 15:21

And now for a thread about insurance

http://www.youtube.com/watch?v=kO2R_DDZPCM

shaneh

12th March 2008, 21:39

For anyone who is interested, I rang around getting quotes to insure my bike.
2006 Hyosung Comet 250. I'm 39 yrs old, clean history, still on learners licence, no previous bike insurance. First figure is full cover, second figure is 3rd party only.
ASB $443/$62, Fintel $504/$236, AMI $286/$26

A very broad range of premiums.
Excess in all cases was around $300

Shane

fizbin

13th March 2008, 11:06

Hey guys,

I am a newbie and am going to be buying my new bike soon, so lately i have been doing my research about various insurance companies and what they can offer. I just got off the phone with a lively and crackup guy named 'Tim' at 'John Baker Insurance', i highly recommend giving this company a call if you need to sort out your motorcycle insurance worries, ask to speak with 'Tim', he gave me the best service and deal so far!

Cyu

Im damed lucky my wife works for an insurance co so my insurance is sweet FA:first:

The Pastor

13th March 2008, 12:22

my insurance is through the roof. $700 a year for full insurance, on a 250..... excess was 1200 or somthing. for a bike valued at 6k.

they keep wanking on about blah blah bah loss of licence due to speed, blah blah speeding tickets blah blah careless driving.

actually 700$ (or was it 600? i forget) was teh cheapest, through nac. i rang kiwibike and got told 3k a year. (all beit for a 10k 600cc)

bigbad

13th March 2008, 18:25

Dave @ Kiwibike is my best bet, good, honest, genuine and reliable bloke mate.

Give him a try. They pay out pretty fast as well and have good customer service. He looks after his customers.

TOTO

13th March 2008, 18:39

Nick from the nick

16th March 2008, 17:46

I'm still new to NZ but i used ebikeinsurance in the UK and had no problems at all paid real quick when i had a bike stolen, was happy to use them here and got the best price too $447 full cover on a cbr1100xx $0 excess, 40 and had a full bike licence for 22 years might have helped a little

Ripperjon

17th March 2008, 22:01

Golightly (Vero) were the cheapest for me.

$374 for the year

Kiwibike sound like nice people to deal with and have the cheapest premium for me too but they ended up my second choice cos the excesses were too high.

Jekkyl

18th March 2008, 12:59

Mine was through State, $290 which I thought was bloody cheap for full insurance. Bike was new.

Radar

18th March 2008, 13:34

First figure is full cover, second figure is 3rd party only.
AMI $286/$26

Shane

Interesting. We have all insurances with AMI, with no claim, clean record, way over 25 yrs - and AMI told me they do not do 3rd party only on bikes. Or maybe one of us was confused when I asked if they insure for theft + 3rd party only.

discotex

18th March 2008, 19:38

Interesting. We have all insurances with AMI, with no claim, clean record, way over 25 yrs - and AMI told me they do not do 3rd party only on bikes. Or maybe one of us was confused when I asked if they insure for theft + 3rd party only.

I was told the same. I was happy with my claim with AMI and would have stayed with them if they would budge on track days. Even if I had to pay a special excess or additional premium.

But no... Nothing they could do so my policy ended when the bike was written off.

New bike is with Kiwibike. Can't fault them. Nothing like knowing only two people (who do bikes and ride themselves) will answer the phone instead of some random call-centre rep and the never ending hold/transfer game.

TripleZee Dyno

19th March 2008, 07:09

Hey guys,

I am a newbie and am going to be buying my new bike soon, so lately i have been doing my research about various insurance companies and what they can offer. I just got off the phone with a lively and crackup guy named 'Tim' at 'John Baker Insurance', i highly recommend giving this company a call if you need to sort out your motorcycle insurance worries, ask to speak with 'Tim', he gave me the best service and deal so far!

Cyu
My bike insurance was due so I gave them a call last week
07 Buell, last vehicle claim (company car)was more than 20 yrs ago, 55 yrs old, no tickets for probably 10 yrs, had a bike license for over 35yrs, $950 !!!
Considering John Baker WAS on a short list for my business insurance it sucked.

babysteps

19th March 2008, 19:06

did you try kiwibike?
http://www.kiwibike.co.nz/
great people to deal with, best price i could find

+1 on that! My insurance co. wanted $360 for 3rd party F+T on my Vespa. Kiwibike hooked me up with Full cover for less than $200! :2thumbsup

kburgess

19th March 2008, 19:19

Im totally new 29yrs old and on learners went with state only $250 with $400 ex got both cars and contents with them and no claims for life bloody good considering one place said $1200:niceone:

HornetBoy

19th March 2008, 19:29

State - Very Recently got Full Licence (stayed on restriced for way too long) $350 excess ,something like $600 a year i think (most likely less) for my 04 kat 600

Cave Cleaner

22nd March 2008, 07:42

[QUOTE=discotex;1480269]I was told the same. I was happy with my claim with AMI and would have stayed with them if they would budge on track days. Even if I had to pay a special excess or additional premium.

AMI only offer motorcycle Insurance as a service for their customers. They really dont want to do it.
As said by others, (and myself) I went with Kiwibiker. Great service and price.:clap:

Marknz

22nd March 2008, 09:04

Does Kiwibike cover track days?

Edit: It's okay, I just answered that by looking at their website. The answer would seem to be 'yes'.

discotex

22nd March 2008, 13:29

Does Kiwibike cover track days?

Edit: It's okay, I just answered that by looking at their website. The answer would seem to be 'yes'.

Kiwibike are brokers so it will depend on who underwrites the policy but both Star and Swann who they use will insure for trackdays with some conditions.

Biggles2000

30th March 2008, 09:05

Talk to John Baker first. They do have a very good rate for Ulysses members also they discount if you have been on an advanced skills course. For my HD the rates were for a $34,000 bike with a $1000 excess. From memory, State $2400, Vero $1400, John Baker $850 incl all the discounts.

I used to deal with a great guy called Keith at John Baker but I have been told he has retired.

Jase H

1st April 2008, 11:57

Hey all,

It's all good about saying who's the cheapest, blah, blah, blah. We all have different histories, ride different bikes and live in different areas. So some people will get shit quotes while others will just get, well, shit.

What I'd be interested in knowing is when it comes to claim time, who gets you sorted quickly and who just keeps you hanging on.

I went with Swann Insurance through a broker because they were the cheapest quote I found at the time. However, if I'd have known them what I know now I'd quite happily pay extra for the peace of mind I'm not getting at the moment.

My bike was stolen some 7 1/2 weeks ago (at time of posting). I'm still waiting for the payout. If a leave a message on the voice mail - they don't call back. If I do get through, they say they'll get back to me and subsequently don't. Even the broker had a hard time getting hold of them, which is now why I'm trying direct.

If other KBers want to post the horror stories - and their successes - it would be good to know who we can depend on. Besides, I need a good recommendation for the next bike. :-)

Padmei

1st April 2008, 20:26

Yeah good call Jase. QUotes are one thing & service is the other. I'm getting quotes at the mo & is interestig to hear what companies look after their clients

tinlizzie

4th April 2008, 15:26

I've done 2 claims, both through state. Both not my fault. the first, (I was rear-ended) took a while to get sorted, but part of that problem was getting someone the insurance company would approve of to get it fixed.

The second was a right-off, and while I didn't get the full amount it was insured for, I got more than what I payed for it. (private purchase) And gear as well, under the contents insurance

there was no problems with getting the bike money, didn't take very long at all. The gear took a little longer, but being laid up in hospital ment I wasn't champing at the bit for it.

unrealone

4th April 2008, 15:48

Mine was through State, they have been fairly good apart from their excess.

Under 25, Restricted License: $291 per year and $1400 Excess

Mate with AMI got $500 excess but $800 per year :/

LoC

12th April 2008, 10:46

Hmm
Full licence , I dropped a bike about 3 years ago when I bounced off a truck tyre (blowout) in the middle of the road (still don't see how this counts against me) Now have a blinged out 07 Black Busa.
Full comp per year $1200 plus $800 excess with AMI.
I'm gunna watch this thread closely.

Disco Dan

18th April 2008, 09:56

jrandom

18th April 2008, 10:02

a lively and crackup guy named 'Tim' at 'John Baker Insurance'...

You should try meeting the man in person.

:crazy:

<img src="http://www.tagbanger.com/wp-content/uploads/2007/09/americanpsycho.jpg"/>

imdying

18th April 2008, 10:34

This is not the bike insurance you're looking for...

Actually, had a company email the other day saying blah blah, we'd like to give you a quote... so I emailed them back with my requirements, they emailed back to clarify some points, I replied, and then I never heard back. Why bother spamming me if you're not going to give me a quote??? I think 11 days is long enough for me to wait patiently...

Disco Dan

18th April 2008, 12:20

Just spoke to a lovely sounding lady at Kiwibike Insurance, when I asked about track days she said it depends on the trackday - more specifically KIWIBIKER track days as (wait for it) there has been a lot of claims!!!!!! She actually mentioned Kiwibiker! :pinch:

Good part - cheapest around.

So own up... who keeps claiming for their noob skills at KB trackdays and making my premiums go up to cover it!!!!

Another quote, this is rough!

Dear Daniel

Thank you for your interest in receiving a quotation for motorcycle
insurance with PROTECTA Insurance. Based on the information you have
supplied the following will apply;
for full cover insurance your premium will be $ 935.00 (Incl GST)

Excesses are as follows:

Standard On Road Bikes - 20% of the sum insured - minimum $250,
maximum $2,000
Off Road Bikes - 30% of the sum insured - minimum $250

Additional $250 for riders under 25 years
$250 for licences other than full NZ motorcycle
$500 for single vehicle accidents

All of our motorcycle policies also include AA Roadservice cover for
road registered bikes at no additional cost. This service includes:
Three free callouts per policy year
Helmet Cover up to $500 in the event of an accident giving rise to a
claim

If you have any further questions you can reply, e-mail me or contact
anybody in customer services with your quote number 555519 on 09 377
6872.

Kind Regards

Customer Services

Dino

18th April 2008, 12:49

It seems to me that the premium is based more on the CC rating of your bike rather than your age, experience or previous claims history. Shit I wish I could find an insurance company to charge me $400 for full insurance.

Has anyone with a bigger CC bike had any decent prices quoted to them?

.

Cave Cleaner

18th April 2008, 17:27

Im covered thru Star insurance via Kiwibiker, and Im paying $509 per year for full cover for an 800 cc bike. and thats because Ive had 3 speeding tickets in two years,(otherwise It would have been around $430,) but also being an Old Fart may have helped... :sleep:

Disco Dan

22nd April 2008, 14:18

Well I am now covered by http://www.jbinsurance.com/motorcycle.htm

Would Highly recommend them, and thanks to JetBoy (http://www.kiwibiker.co.nz/forums/member.php?u=8249) the whole process was completed through a few PM's via KB ! How easy was that!

Saved a few hundred bucks compared to any others I tried too!

Thanks JetBoy! (http://www.kiwibiker.co.nz/forums/member.php?u=8249)

http://www.jbinsurance.com/motorcycle.htm

Dirka

22nd April 2008, 14:51

Ive just cancelled my insurance as i sold my bike.
At time of insurance start:
Tower
I was 28yrs old.
Full licence just obtained (got learners at 15, restricted at 21)
1999 GSXR750, valued at $7000
I have my car and contents with them.
Yes ive had speeding tickets

$335 PA
Excess $300

Suzi Q

24th April 2008, 13:19

I am insured through David Golightly - broker, insurance is through Vero - I had a claim 2 yrs ago, dropped my R6 in shingle and messed up 1 side also damaging the pipe. I had fantastic service, no problems at all. Had the repairs done through Rides in CHCH and they practically repainted the bike. I ended up not getting a new yoshi pipe as they told me it would take up to 6 mths so I got a yamaha racing pipe - stunning sound. All in all it was a very good experience. My excess has now been dropped - company changed the way they do their excesses - and they now cover motorcycle clothing.
I work at State insurance and our premiums have decreased but our excesses have changed. The excess depends on the cc rating of the bike - the higher the cc the higher the escess.

vifferman

24th April 2008, 13:29

I swapped from State to AMI because I was unhappy with the bike insurance premium, and now I've just swapped from AMI to Star through Kiwibike. For a $9k bike, 800cc, the premium dropped from $740 to about $540, the excesses from $1000 to $500, and my gear is included up to $2500 each for me and the pillionister. I could've got an even cheaper premium and excesses of $250, but I'm pretty happy.
I told them about the two tickets I had last year, but it made no difference.

Weaver

24th April 2008, 19:44

I very recently insured my with Swann through Kiwibike. I will not be insuring with Swann again. Three weeks ago I crashed my bike and sent in the claim form, I get a letter today telling me my excess is going to be $1800 and they are finally going to have a look at the bike to assess the damage. They should have had someone looking at it within a week of me sending them the claim form.