JOHN BAKER INSURANCE -how good are they? [Archive]

Pussy

1st May 2008, 19:55

John Baker Insurance... fuggin brilliant! I don't deal with jetboy, but a guy called Liam. Always been VERY helpful. As mentioned in the past, Gassit Girl was knocked off her K1 SV650 in 2002, the repair process went on behind the scenes, and then JBI had the cheek to send the excess cheque to me about a week after we got the bike back. I actually rang Keith ( who has retired, I think) and gave him a tune up... I thought I was supposed to wait for it.
As a result, now have ALL of my insurance policies with JBI

NinjaNanna

1st May 2008, 20:07

A recent thread on here left me with the distinct impression that their insurance is very good, but don't rely on the included road side service. But hey we don't really xpay insurance for road side service do we!!!

ynot slow

1st May 2008, 20:13

Got to sound them all out and choose the one that suits,me personally asked for a quote from them,just to compare and when I said my premium they were up front and said nope we can't match it,had a good chat with them about other parts of their policy,if I required full insurance aside from my current provider I'd go with them.

CHOPPA

1st May 2008, 20:19

got everything insured with them very good, dad stacked his bike and there was no hassles at all

Gubb

1st May 2008, 21:02

You gonna get your haircut insured?
:lol::lol::lol:

Cr1MiNaL

1st May 2008, 21:07

You gonna get your haircut insured?
:lol::lol::lol:

I will speak to Tim about that one :laugh:

Gubb

1st May 2008, 21:10

I'm just jealous of your flowing locks, Rapunzel.

Meekey_Mouse

1st May 2008, 22:40

I've only just started Insurance with JBI as from Saturday, so far it's been good :2thumbsup :lol:

I've gone through Tim (who I think is Jetboy on here?), he has been incredibly helpful! Esp. as I had no idea about the whole "insurance process" at the start and he kindly explained how it all worked :D

Bloody Mad Woman (BMW)

2nd May 2008, 11:41

I was with Swann and they SUCK BIG TIME - tried getting out of paying a legit claim - dragged it out, lied etc - I persisted and spoke to Mgmt in the end bloody expensive too. Fkwits personified.

I am now with John Baker - thru Tim - lot cheaper and hopefully I will never have to claim.

kiwifruit

2nd May 2008, 12:05

Jetboy / John Baker offer very good service. They sell star insurance who are also very good. My claim was settled quickly, fairly and without fuss.

Cr1MiNaL

3rd May 2008, 16:20

Thanks everyone... BUMP more people kindly post your experiences! Ta.

NOMIS

3rd May 2008, 17:02

Cr1MiNaL

3rd May 2008, 17:22

Im with state.

1 - $345 full insurance 1 year
2 - $350 excess
3 - $500 excess for any other rider.
4 - $7000 full comprehensive insurance.

I never had insurance before, I am on my learners.

cant beat that I was totally shocked and asked if they had made a mistake

Holy crap mines almost thrice that :shutup: but then again I am under 25. Hate it when that happens.:Punk:

Biggles2000

3rd May 2008, 19:13

Robbo

3rd May 2008, 19:51

Been with John Baker Insurance for many years now and would'nt consider any other insurer. Used to deal with Keith but am not sure if he is still there anymore but their service and friendliness has always been tops in my opinion along with their support of the motorcycling community.:2thumbsup

NOMIS

3rd May 2008, 20:21

Holy crap mines almost thrice that :shutup: but then again I am under 25. Hate it when that happens.:Punk:

I'm only 20 mate...

Lias

4th May 2008, 10:29

I love getting older!

I hit 30 in a few weeks, ad as my insurance just came up for renewal I thoguth fuckit and rang classic cover to see if they'd cover me even though i wasnt quite 30.

Happily insured with them now, 6.5k cover for 330 a year with a $300 excess. Compared to 640 a year with 800 excess i previously had.

Oscar

4th May 2008, 12:15

Talk to Tim at JBL.
JBL provide insurance to the Ulysses club at a very good rate. I have had insurance with JBL for 4 years with no claims yet. All I can say is I have never heard a bad thing of JBL from other Ulysses members to date.

Now I'm not getting at you specifically here, Biggles (as you are representative of a lot of similar comment here):

How do you know how good your insurer is, if you haven't claimed?

I see a lot of comment here along the lines of "Ring so and so, he'll do you a good deal" or "I got the best premium from Company X"

How do you know it's the best premium, if you haven't made a claim? How do you know if your insurer is still going to be here when you make the claim?

What we should be asking here is:

For people who had claims to report their experiences.
What is the financial rating of the company?
Is it in fact an insurer you're dealing with at all? Many of the so called "Insurance Companies" listed here are actually Agents or Underwriting Agencies

An Underwriting Agency is one that actually is not an insurer at all. They are simply master agents for another insurer. Nothing wrong with that, as long as you know who that insurer is (and the Underwriting Agency can actually swap insurers, so that one minute you're insured with company X, the next with Company Y).

While we're at it, and I'm warming to a rant: I get tired of the shameless self-promotion that goes on here - on most Boards it would culled out for what it is: SPAM , and thrown in the Vendors Section.

One of the self promoters proudly said that they didn't deal with any insurer that was rated "A" or better - the insurer that was recommended was actually listed by the Govt. Actuary as "A-" - now when I was at school, that wasn't "A or better".

And lastly a word on Brokers. A "Broker" by definition is one that seeks the best deal for you based on premium, financial soundness and claims experience. Some of the Brokers mentioned on this board only use one insurer (hell, the "Broker" in the thread title actually owns Star Insurance).

Is your broker placing your business because it's good for you, or because they get a better commission rate, because they are actually Agents for a particular insurer or because their boss owns the company?

Cr1MiNaL

4th May 2008, 12:23

Now I'm not getting at you specifically here, Biggles (as you are representative of a lot of similar comment here):

How do you know how good your insurer is, if you haven't claimed?

I see a lot of comment here along the lines of "Ring so and so, he'll do you a good deal" or "I got the best premium from Company X"

How do you know it's the best premium, if you haven't made a claim? How do you know if your insurer is still going to be here when you make the claim?

What we should be asking here is:

For people who had claims to report their experiences.
What is the financial rating of the company?
Is it in fact an insurer you're dealing with at all? Many of the so called "Insurance Companies" listed here are actually Agents or Underwriting Agencies

Oscar I am so glad some people are actually reading and analyzing the thread as you are. What I was wondering was if you pay the premiums and don't have any claims, your happy and your insurer ( broker ) is happy.

What happens then if you do have a claim, how good are they to deal with? This is not only a concern for myself but a concern to all bikers out there. If we have a claim we want to be on our bikes as soon as possible don't we?

How good are John Baker Insurance with regards to claims? - I've had a couple of people who have advised me via this thread and rep that they are pretty efficient and fair.

Any more....?

Disco Dan

4th May 2008, 12:27

Im with state.

1 - $345 full insurance 1 year
2 - $350 excess
3 - $500 excess for any other rider.
4 - $7000 full comprehensive insurance.

I never had insurance before, I am on my learners.

cant beat that I was totally shocked and asked if they had made a mistake

yeah thats pretty good... assuming your bike is surgically attached to your body and you never have any need to contact them again... let alone make a claim...

Mention the words "stolen" and "claim" to State insurance... *hehe* ...you may as well be talking on a giant pretend phone.

Both times i've made a claim they dragged it out for over 6 months, then only paid a tiny amount of what the vehicle was insured for.

Seriously dude, I would be getting on the phone to Jetboy and get yourself some decent insurance.

After all, insurance means you save money - as in, when your bike/car is stolen/crashed whatever, that you actually get what you insured it for.

I was with them for 5 years without making a single claim - then when I did, they treated me like a criminal and made me wait without transport for 6 months while they decided if they should pay out or not.

They are a bunch of cunts to put it bluntly.

Oh and I have friends insured with Protecta, lets just say they actually employ a group of people to find and reason - no matter how tiny and insignificant to decline your claim, and they take their sweet time doing it too.

Cr1MiNaL

4th May 2008, 12:30

Right well I'm never getting insured with STATE after that. Word of mouth is so powerful.

Disco Dan

4th May 2008, 12:34

Right well I'm never getting insured with STATE after that. Word of mouth is so powerful.

You would think that 5 years of no claims and religiously paid premiums would have built up some sort of level of trust....

nope.

PM Jetboy :yes:

Pussy

4th May 2008, 12:37

Our experience with JBI when we made a claim on Gassit Girl's SV650 was about as painless as it gets. JBI could see that the accident wasn't Annie's fault, and got the excess back to us pronto. The bike came back as new, any part in the prang that was damaged had been replaced.
Quite honestly, mate, go with JBI... you won't regret it

BMW Grandad

4th May 2008, 13:02

I've been with John Baker Insurance for about 15 years or more and had 2 claims in that time.

1st one (Triumph Sprint) an oncoming car U-turned in front of me and hit the bike without damaging me too much but causing a few thousand dollars damage to the bike. JBI paid out for the repairs immediately with no hassles at all.

2nd one (Triumph Tiger) a truck changed lanes into my bike on the motorway in the rain. I managed to jump off, the bike slid under the truck and was written off; I escaped with a broken arm. JBI paid for a new bike instantly again with no hassles. I can't recommend them highly enough; as far as I am concerned they are great and I have repaid them by having had no mre claims in the past 10 years!

NOMIS

4th May 2008, 15:09

yeah thats pretty good... assuming your bike is surgically attached to your body and you never have any need to contact them again... let alone make a claim...

Mention the words "stolen" and "claim" to State insurance... *hehe* ...you may as well be talking on a giant pretend phone.

Both times i've made a claim they dragged it out for over 6 months, then only paid a tiny amount of what the vehicle was insured for.

Seriously dude, I would be getting on the phone to Jetboy and get yourself some decent insurance.

After all, insurance means you save money - as in, when your bike/car is stolen/crashed whatever, that you actually get what you insured it for.

I was with them for 5 years without making a single claim - then when I did, they treated me like a criminal and made me wait without transport for 6 months while they decided if they should pay out or not.

They are a bunch of cunts to put it bluntly.

Oh and I have friends insured with Protecta, lets just say they actually employ a group of people to find and reason - no matter how tiny and insignificant to decline your claim, and they take their sweet time doing it too.

Shit you serious ... hmmm something to think about every else I got its been lowest $800 for the year and $1500 excess. Ive told them the entire truth about my driving history ect . Dont no what to do now lots of peopel I have told have said the same thing.

Disco Dan

4th May 2008, 16:28

Shit you serious ... hmmm something to think about every else I got its been lowest $800 for the year and $1500 excess. Ive told them the entire truth about my driving history ect . Dont no what to do now lots of peopel I have told have said the same thing.

Yeah, hey look I am sure there is at least one person in their entire history of trading that they actually treated well and payed out - but I checked the guinness book of records and could not find him/her. :whistle:

It's a business at the end of the day - they want to make money.

Why would they pay out if they could save thousands of dollars by just saying your premium is overdue by .01 cent so no insurance. Or some other feeble excuse.

Not worth the hassle, go with someone that actually wants repeat business from it's customers - PM Jetboy!

NOMIS

4th May 2008, 17:00

yeh i guess well they cant say that one to me i payed them the full amount for a whole year..

Disco Dan

4th May 2008, 17:04

yeh i guess well they cant say that one to me i payed them the full amount for a whole year..

That was mearly an example of their petty viewpoint.

If you make sure your 100% in line with their contract I am sure they would not think to twist it around and get out of paying you out.... :whistle: hahaha!! Instert Tui here.

Biggles2000

4th May 2008, 17:04

Now I'm not getting at you specifically here, Biggles (as you are representative of a lot of similar comment here):

How do you know how good your insurer is, if you haven't claimed?

Because I am a member of the biggest motorcycle club in New Zealand (Ulysses). If JBL who seem to have marketed themselves to Ulysses was not doing right by the members it would get around like wild fire and their reputation would be crap as in the form of "stuck to a blanket". What do you think us old farts talk about all the time..... All I ever hear about JBL is that they are good, and that is what I report.

I know and understand that insurance is an international comodity and that insurance companies regually sell off bundles of risk overseas. Who was actually holding the risk on my bike might be very removed from the company who the policy is with.

I have had vehicle claims with both State and AMI and in both cases I was not particually happy with the result and AMI are at best very nasty to deal with.

But the question was asked how good is JBL. Well based on recomendations from other Ulysses members and after speaking to Keith my Harley is insured with them. Because of this I often ask other members after an "off" what sort of service they got from their insurance companies I can report with a high degree of accuracy that I cannot remember hearing a bad thing of JBL.

:girlfight:
Are you happy with this?

Oscar

4th May 2008, 22:19

Because I am a member of the biggest motorcycle club in New Zealand (Ulysses). If JBL who seem to have marketed themselves to Ulysses was not doing right by the members it would get around like wild fire and their reputation would be crap as in the form of "stuck to a blanket". What do you think us old farts talk about all the time..... All I ever hear about JBL is that they are good, and that is what I report.

I know and understand that insurance is an international comodity and that insurance companies regually sell off bundles of risk overseas. Who was actually holding the risk on my bike might be very removed from the company who the policy is with.

I have had vehicle claims with both State and AMI and in both cases I was not particually happy with the result and AMI are at best very nasty to deal with.

But the question was asked how good is JBL. Well based on recomendations from other Ulysses members and after speaking to Keith my Harley is insured with them. Because of this I often ask other members after an "off" what sort of service they got from their insurance companies I can report with a high degree of accuracy that I cannot remember hearing a bad thing of JBL.

:girlfight:
Are you happy with this?

It doesn't matter if I'm happy (and I had no idea that this was some sort of competition), I'm just trying to shed some light on a subject that is important to the folks here.

And whereas Ulysses may or may not be the biggest club in NZ, it is certainly the most demographically homogeneous. So whereas those comments may be relevant to a certain group (over 50's) it is in no way representative of the average. Notwithstanding that, your experience is somewhat limited as you have no direct claims experience.

Actually I wasn't specifically getting at JBL with my comment, it was more to try and convince people that there's more to insurance than premiums.

Also, I'll think you'll find that you've got insurance mixed up with banking. This type of risk isn't sold in bundles overseas, it's mostly held locally.
My reference was to Underwriting Agencies - for example, do you know who actually insures your bike?

shafty

4th May 2008, 22:39

1. I wrote off a brand new (2000 km) Trophy with JBL. Service was great, no probs with payout, although I must add alcohol or speed were'nt involved! Hence all my bikes have been with JBL
2. A WORD FROM THE CHRONOLOGICALLY WISE: I got a letter from State Insurance offering an upgrade to a "Premier Cover" for our home and contents and thought, WTF for the few $$ lets do it. Never thought "it would happen to me" but our house was flooded in 2006. That measely premium paid out $80,000 plus - and State were a delight to deal with

Cr1MiNaL

4th May 2008, 22:52

NOMIS

4th May 2008, 23:17

Right so all the comments so far unanimously agree that JBI is a good insurer. Does anyone disagree? And if so why.

Jetboy has replied to pm's promptly and answered all my questions (even silly ones just to judge his temprament). So far he has been good. Now to call up Swan and transfer my insurance cover over to JBI.

That is IF... no one has anything more to say.

Cheers.

well ive now had many mixed opinions on state there cheap as hell. but some people have bad some have good opinions on them so who know's untill the time for a claim happens ( I really hope never )

jetboy

5th May 2008, 11:55

While we're at it, and I'm warming to a rant: I get tired of the shameless self-promotion that goes on here - on most Boards it would culled out for what it is: SPAM , and thrown in the Vendors Section.

This thread was started by a biker asking for insurance information.

One of the self promoters proudly said that they didn't deal with any insurer that was rated "A" or better - the insurer that was recommended was actually listed by the Govt. Actuary as "A-" - now when I was at school, that wasn't "A or better".

You are referring to me, correct? Yes, by saying I deal with any insurer rated "A" or better I meant "A" and all sub-groups under this rating.
So, to clarify, I deal with companies with the following ratings:

AAA
AA+
AA
AA-
A+
A
A-

I have already clarified this in another insurance-related post.

And lastly a word on Brokers. A "Broker" by definition is one that seeks the best deal for you based on premium, financial soundness and claims experience. Some of the Brokers mentioned on this board only use one insurer (hell, the "Broker" in the thread title actually owns Star Insurance).

Is your broker placing your business because it's good for you, or because they get a better commission rate, because they are actually Agents for a particular insurer or because their boss owns the company?

The owner of John Baker Insurance does not own Star Insurance. John Baker Insurance is not affiliated with Star Insurance. End of story. I have already clarified this for you Oscar, and I wish you'd stop making an arse of yourself by antf***ing, and by posting incorrect information about myself and my company.

If the moderators of this site had a problem with me and the service I offer they would not haver made my name in green for "service/industry provider", and fellow KB'ers would not continue to recommend me as a decent insurance broker.

:done:

Edbear

5th May 2008, 12:52

Here's the way it works, people!

A broker is an agent through which one may go to get insurance if one doesn't want to spend the time checking out all the different companies for oneself.

Brokers fall into two main categories in my experience, (as a former insurance adviser), those who are truly independent and those who are effectively tied to one main company.

Some insurance companies have insisted on having most of a broker's business in order to represent them, figures of 80% are normal. It was due to one company wanting 80% of Lighthouse business that we wouldn't use them. They eventually agreed to, (asked Lighthouse to), use their services and while we could have done so, it would only have been if their product was in the best interests of the client.

Some advisers and brokerage services tend to use one insurance company more than others if they have the best policies for a particular situation. For example, (I can name names as their is no vested interest for me anymore), for health cover, Tower had the best policies of all, so got all of my health insurance applications while I was with Lighthouse, though the company also used ING a lot for certain circumstances. We had access to all of the insurance companies were a client's needs better served elsewhere.

Life cover was fairly good between most of the insurance companies, so we rarely switched a client's life insurance, and only switched their health if they had it if it truly was in their interests to do so. Mind you, my advantage at the time was that I was a salaried adviser, not a commission salesman.

We used a variety of companies for F&G and Motor-vehicle insurance and found some better than others for different circumstances.

Some brokerages do form closer alliances with a certain insurance company to get a better rate, and Lighthouse had a very good relationship with a particular company and got perferential rates due to the volume of business they out their way. However, despite that close relationship, if another company had a better policy for a particular client, we would place them with the other company.

So it can be in the client's best interests, if certain policies are placed with a particular company in the main. Perhaps, and in fact, Jetboy has said so, due to the volume of business he puts with a certain company, he can negotiate better rates. Of course, knowing Tim, he wouldn't have placed so much business with them, were they not the best to deal with for this type of insurance.

Swings and roundabouts, and if you know your broker is trustworthy and honest and gets you the best deal going, I'd stick with him.

Oscar

5th May 2008, 12:54

This thread was started by a biker asking for insurance information.

Who said I was talking about this thread?
Or about you?
But while we're at it - what sort of bike are we riding?

You are referring to me, correct? Yes, by saying I deal with any insurer rated "A" or better I meant "A" and all sub-groups under this rating.
So, to clarify, I deal with companies with the following ratings:

AAA
AA+
AA
AA-
A+
A
A-

I have already clarified this in another insurance-related post.

Actually, I wasn't referring to you at all.
But if the cap fits, please explain how "A or better" includes "A-" ?
I'm not sure that the regulators see it that way.

The owner of John Baker Insurance does not own Star Insurance. John Baker Insurance is not affiliated with Star Insurance. End of story. I have already clarified this for you Oscar, and I wish you'd stop making an arse of yourself by antf***ing, and by posting incorrect information about myself and my company.

Really?
Perhaps someone should tell the Companies Office - I took this of their website five minutes ago:

Company Number 106154
Company JOHN BAKER INSURANCE BROKERS LIMITED

Total Number of shares 60,000

Number of Shares 30,001
Shareholder(s) 1265260 - FOREFRONT TRUSTEE COMPANY LIMITED Level 11, Shortland Tower One, 51-53 Shortland Street, Auckland
BAKER, John Francis , Auckland

Number of Shares 29,999
Shareholder(s) 1265260 - FOREFRONT TRUSTEE COMPANY LIMITED Level 11, Shortland Tower One, 51-53 Shortland Street, Auckland
BAKER, Janice Carolyn , Auckland

Company Number 1167858
Company STAR UNDERWRITING AGENTS LIMITED
Total Number of shares 5,000

Number of Shares 2,500
Shareholder(s) BAKER, John Francis , Auckland
1265260 - FOREFRONT TRUSTEE COMPANY LIMITED
Level 11, Shortland Tower One, 51-53 Shortland Street, Auckland

Number of Shares 2,500
Shareholder(s) BAKER, Janice Carolyn 1 , Auckland
1265260 - FOREFRONT TRUSTEE COMPANY LIMITED
Level 11, Shortland Tower One, 51-53 Shortland Street, Auckland

Care to say who's the arse now?

jrandom

5th May 2008, 12:59

Care to say who's the arse now?

Careful, Oscar, or you'll make jetboy angry.

You wouldn't like jetboy when he's angry.

<img src="http://nycblog.citysearch.com/photos/uncategorized/2007/11/08/patrick_bateman.jpg"/>

jetboy

5th May 2008, 13:04

Oscar, look at it any which way you want. I am telling you now that JBI is not owned by the same person as Star Insurance. Kapeech? I would also appreciate the fact that you leave people's personal address details out of this thread - there is no place for this.

As far as I was aware this site is for Bikers and Wannabe Bikers. Again, as I have explained to you Oscar, I do not own a bike. I am, however, looking for a cheap one (if anyone can help!). I have ridden and owned several offroaders in the past.
Have a look here (http://www.kiwibiker.co.nz/forums/poll.php?do=showresults&pollid=279)Oscar, as you will find 51.91% of us are biker wannabe's - for now.

****************************

MORE INFORMATION ABOUT ME

If anyone has any questions about who I am, where I work, which companies I deal with, who owns JBI, why Oscar is being a silly little girl about all this - please feel free to contact me personally using the following:

0800 65 62 64 - ask for Tim
tim.bakkenes@jbinsurance.com

Tim Bakkenes
John Baker Insurance
PO Box 23 007
Papatoetoe

I will be more than happy to clarify all of the above with you. I am not interested in posting about this anymore because, as Oscar has just demonstrated, it goes too far.
Thanks!

Oscar

5th May 2008, 13:04

Careful, Oscar, or you'll make jetboy angry.

You wouldn't like jetboy when he's angry.

I work in Insurance.
I'm used to dealing with angry people.

Oscar

5th May 2008, 13:07

jetboy

5th May 2008, 13:16

The information posted is from the Companies Office on-line.
It's in the public domain: http://www.companies.govt.nz/cms However I will remove the addresses.

So who's wrong - you or the Gummint?

Read again Oscar:

The owner of John Baker Insurance does not own Star Insurance. John Baker Insurance is not affiliated with Star Insurance. End of story.

I am not interested in posting about this anymore because, as Oscar has just demonstrated, it goes too far.

Oscar

5th May 2008, 13:18

Read again Oscar:

Saying it twice don't make it right...

Virago

5th May 2008, 13:23

Are you guys finished?

As supposed insurance professionals, this petty bickering does you little credit.

Oscar

5th May 2008, 13:23

Saying it twice don't make it right...

So if the company you work for doesn't own Star, who do you actually work for? A large corporate, by any chance?

Oscar

5th May 2008, 13:25

Are you guys finished?

As supposed insurance professionals, this petty bickering does you little credit.

I'm not interested in credit.
I'm just trying to shed a little light on the subject.

jetboy

5th May 2008, 13:29

Saying it twice don't make it right...
Ok, John Baker Insurance is 100% owned by AON - the world's largest insurance broker.

Are you guys finished?

As supposed insurance professionals, this petty bickering does you little credit.

Agreed. Hence my withdrawal from this thread.

Usarka

5th May 2008, 14:14

well thats me confused. so john baker (the person) owns star insurance, but Aon owns John baker ltd....?

doesnt matter i dont trust any of you insurance fullas anyways :lol:

jrandom

5th May 2008, 14:55

well thats me confused. so john baker (the person) owns star insurance, but Aon owns John baker ltd....?

Who gives a flying fuck, so long as premiums are reasonable and claims are settled fairly and promptly?

Let's face it, motorcycle insurance in NZ is a boutique industry. Star and Swann are the only companies offering policies suited to the majority of KB members. Protecta, State and AA Insurance offer "similarly priced, but we'll never pay out on a claim" policies, while Classic Cover et al offer policies to the lowest-risk end of the market. That's it, that's all there is to it. (Did I forget anybody?)

The brokers are there so that you have a single friendly guy that you can get to know on a first-name basis to talk to about your policy details and handle the busywork of chivvying claims along for you.

(And believe me, when you've had a bin and everything's a bit stressed, having someone friendly working for you to progress your insurance claim is priceless. I've seen claims happen through Kiwibike and JBI, and I've dealt with a claim made direct to Swann - the difference in service was noticeable. Brokers earn their keep.)

I'm used to dealing with angry people.

Hardly surprising, if your online attitude is representative of the way you treat your customers.

Usarka

5th May 2008, 15:29

Who gives a flying fuck, so long as premiums are reasonable and claims are settled fairly and promptly?

not sure if that was rhetorical, but if it was directed at me, i don't give a fuck but i am interested. just as i'm interested in who owns the banks that i use, or who to a lesser extent distributes the suzuki, ducati, yamaha, or god forbid honda that i ride.

and in case my post was taken as a dig at JB, i do have to say that three of my friends have made claims with them were very happy with the process & outcome.

i guess when some one asks how good a company is that you have to expect someone to post a negative.

jrandom

5th May 2008, 15:53

Attitude?

Yes. You're a curmudgeon. It says so under your username.

:laugh:

Show me something I've said here that's untrue.

Well:

the "Broker" in the thread title actually owns Star Insurance

I thought you were making that shit up, but I stand corrected; according to www.companies.govt.nz:

1. John Baker is the sole director of both John Baker Insurance Brokers Limited and Star Underwriting Agents Limited.

2. John Baker and Janice Baker, plus an opaque solicitor's trustee company, hold all shares in both Star Underwriting Agents Limited and John Baker Insurance Brokers Limited.

'Not affiliated'?

:lol:

You're quite right, Oscar; they might as well be one and the same bloody company!

The owner of John Baker Insurance does not own Star Insurance.

Woopsy. jetboy told a porkie.

Hailwood

5th May 2008, 16:24

I have my bike insured with John Baker Insurance following dealing with Tim.....in fact I know also have a significant amount of other insurance with him as well.

All dealings have been nothing but first rate and it appears from the comments here that there is generally no issue with claims. I personally dont care if John Baker owns Star, if Mrs Baker owns a bloody Starlet..i couldnt give a toss as long as my insurance matters are handled in a professional manner.

This BS with Oscar has been going on for a long time now and is very boring......Oscar..let it go...:girlfight: just accept that Tim is doing a good job and that he has made a lot of clients happy here...

You say you work in insurance...from the way you post here and the way you deal with people I can only assume that you wont be for much longer.....FFS just let it go.......................:calm:

jetboy

5th May 2008, 16:39

Woopsy. jetboy told a porkie.

I have not said anything that is false or untrue at all.

John Baker Insurance is 100% Owned by AON - the largest insurance broker in the world. Check here (http://www.aon.co.nz/AonWeb/jsp/AboutAon/ab_contact_us.jsp?id=01)for more information on Aon, and confirmation backing up my comments as to who owns us.

Let it rest now guys. I have provided my personal contact details in this thread, so please do contact me to discuss this further.
:done:

jrandom

5th May 2008, 16:42

John Baker Insurance is 100% Owned by AON - the largest insurance broker in the world.

That can't possibly be the case if John and Janice Baker personally own shares in the company.

quackquack

5th May 2008, 16:46

So if I start a company and then sell the Trading arm but don't sell the limited liability shell do I own said business. I think this is the biggest amateur hour I have ever seen.
I might start an insurance company if you clowns are industry professional might allow me more time to post on KB

Also from your link I see Aon sponsor rowing how bout some dollars for my little ducklings race team I'm starting

gunnyrob

5th May 2008, 17:20

Chrissake, I'm happy with John Baker & will be renewing my policy tomorrow. Stand by for a phone call Tim. PS, is it true you give a $50 rebate for doing a formal rider training course such as Ride right ride safe?

flame

5th May 2008, 17:28

Ive had 3 bikes covered by John Baker insurance. Great rates and they are no hassles. Ive not yet had to ever make a claim, but have only heard good things from those that have.
About to re-insure another wee beastie with them this week. They are also one of the few that will cover third party/fire/theft for values less than 15k (or something like that) so thats super wicked with me :done:

bully

5th May 2008, 17:30

you will find they go thru, star insurance as a lot of brokers do,.
he gave me a quote and i intend to take it up,
star isnt the cheapest, but will hopfully be the best in the long run.
update.
when getting quoted for insurance, i thort id ask if i was over the speed limit a bit eg 120kph in a 100kph zone and the worst happened would i be covered?
it was a curly question nobody wanted to answer i rang star and asked them aswell, basically they said if it was proven that i was over 100 no they wouldnt pay out.
and thats fine,

saturday just gone i phoned to say yes id like to start the insurance, i got a call today saying no we wont insure you because of the question you asked makes me a high risk, because of the question they also asumed i would be wheelstanding down the motorway, which i cant do and never even mentioned.
any how now im too higher risk...go figure.

in previous conversations they also said a lot of bikes now will show the speed of impact on a damaged speedo, so, becarefull, you might not get paid out.

jrandom

5th May 2008, 18:38

sell the Trading arm but don't sell the limited liability shell

That's an interesting concept. How does that work?

If not the directors of the 'limited liability shell', then who has access to the company's bank accounts, ability to enter into contracts on the company's behalf and responsibility to fulfill them, et cetera?

Legally speaking, what is a company apart from its 'limited liability shell' and the shareholders and directors thereof?

I'm not sure I understand what you're getting at.

Of course, I'm no corporate lawyer, so I wouldn't be surprised to learn that I have no clue.

k1w160

5th May 2008, 18:40

Gidday,

I had the opportunity to test Swann Insurance's claim proceedure following a 'i never saw you' incident as a 4x4 pulled out in front of me on Easter Saturday this year.

Some factors:

1. I am 48
2. Have not claimed on a bike accident in 28 years (yes I said 28)
3. I was 100% in the right
4. A full written account, police report incident numbers and contact details and photo's of the accident site were supplied by myself.

Swanns operations and proceedures were excellent, communication was good, and I am very happy with the out come.

All in all, from notification of the accident to settlement took 6 weeks which is not an excessive ammount of time in my opinion.

I'm happy to stay with Swann and will do so, but I expect, with a comprehensive accident report being supplied to the other insurance companies mentioned, a similar outcome would have been reached.

I have found all insurance companies are good to deal with BUT make sure you have ALL the facts, witness reports etc. It may seem like a lot of trouble to go to, but the difference between making the effort and not doing it could have been settlement of the claim.

One last point- if you've screwed up and stacked the bike while doing a bit of back road racing , or pushing your luck in traffic, then don't be too surprised if an insurance company starts to back off - their not in the business of handing out lollies. In that situation, honesty is the best policy when dealing with them, and if they don't want to know, well, take it on the chin and learn from it.

We all take a risk everytime we get on the bike, thats part of the fasination with riding but if you want to really find out what your bike (and you) are capable of, then have a go at a Kiwi Biker track day - that's what they are there for.

Stay safe out there.

Cheers

Oscar

5th May 2008, 18:43

That's an interesting concept. How does that work?

If not the directors of the 'limited liability shell', then who has access to the company's bank accounts, ability to enter into contracts on the company's behalf and responsibility to fulfill them, et cetera?

Legally speaking, what is a company apart from its 'limited liability shell' and the shareholders and directors thereof?

I'm not sure I understand what you're getting at.

Of course, I'm no corporate lawyer, so I wouldn't be surprised to learn that I have no clue.

I think you'll find that Aon bought JBI's book of clients, not the company.
I expect that the company you're dealing with is AON NZ Limited trading as JBI or somesuch.

Big Dave

5th May 2008, 19:03

Worth remembering that Insurance 'can' be void if your licence is not correct or the vehicle is out of warrant or its licence expired.

It only works if all the boxes are ticked.

Oscar

5th May 2008, 19:07

Worth remembering that Insurance 'can' be void if your licence is not correct or the vehicle is out of warrant or its licence expired.

It only works if all the boxes are ticked.

Only if the lack of licence or warrant or whatever contributed directly to the claim. The various Insurance Law Reform Acts are your friends...

I see the Ubermoderators are at it again, our discussion vis-a-vis curmudgeons committed to the void...

Big Dave

5th May 2008, 19:09

rather
Only if the lack of licence or warrant or whatever contributed directly to the claim. The various Insurance Law Reform Acts are your friends...

I see the Ubermoderators are at it again, our discussion vis-a-vis curmudgeons committed to the void...

Twas rather witty too.

In Aus it's the death of a claim.

Ixion

5th May 2008, 21:32

Gidday,

..

One last point- if you've screwed up and stacked the bike while doing a bit of back road racing , or pushing your luck in traffic, then don't be too surprised if an insurance company starts to back off - their not in the business of handing out lollies. In that situation, honesty is the best policy when dealing with them, and if they don't want to know, well, take it on the chin and learn from it.

..

Cheers

SO what is the point of having insurance in the first place, then?

Cr1MiNaL

5th May 2008, 21:57

Guys, I know this is an insurance thread and I don't mean to diverge off topic but let me shed some light on the matter. A company is a separate legal entity. Its directors are separate to the company legally speaking. So if I own company A and own 50% shares in another company B, that does not mean I own company B or even that company A and B are "legally speaking" related to one another; unless we complicate things with GSA's or guarantees or the like (lets not go there). It does however make me a shareholder of company B.

Company Number 106154
Company JOHN BAKER INSURANCE BROKERS LIMITED

Total Number of shares 60,000

Number of Shares 30,001
Shareholder(s) 1265260 - FOREFRONT TRUSTEE COMPANY LIMITED Level 11, Shortland Tower One, 51-53 Shortland Street, Auckland
BAKER, John Francis , Auckland

There are many aspects to legally owning a company, just looking at the companies office is sometimes quite misleading. From the info above John is a trustee of the forefront trustee company who own JBI brokers Ltd. Besides any / all of the listed trustees could be 'professional' which would mean they have no financial interests in the company and the structure of the company could be purely from a tax perspective.

Lets keep this discussion out of this thread simply because there is a lot more to the structure of a company, especially non-retail companies like this one, and explanation would baffle most people.

I work with the National Bank of New Zealand and if someone told me that The ANZ Group Australia do not own The National Bank or that company 'xxx' owns us I would think he is a very silly person indeed. So without understanding the structure of a company one cannot debate intelligently.

Jetboy seems like a good guy (broker) and seems trustworthy though I can only really judge him when it comes down to claim time. Thank you all for your comments so far. If anyone has anything constructive to add please go ahead. Bare in mind to keep personal agendas and off topic debates out of this particular thread. Intelligent debate is however going to benefit us all for many years to come.

Ta.

k1w160

5th May 2008, 22:00

SO what is the point of having insurance in the first place, then?

I guess if your looking for someone to bail you out no matter what, then there is probably no point in insurance.

An insurance policy is a contract between the insured and the insurer, and as such there are conditions on both sides that must be met for that contract to be valid when needed. This is why your insurance policy has so many pages of terms and conditions.

It's good to know that a lack of warrant or license would not nessercarily void your claim as were all guilty of letting it slip...or having to ride to VINZ the day after the warrant expired.

Cheers

Ixion

5th May 2008, 22:10

I guess if your looking for someone to bail you out no matter what, then there is probably no point in insurance.

An insurance policy is a contract between the insured and the insurer, and as such there are conditions on both sides that must be met for that contract to be valid when needed. This is why your insurance policy has so many pages of terms and conditions.

It's good to know that a lack of warrant or license would not nessercarily void your claim as were all guilty of letting it slip...or having to ride to VINZ the day after the warrant expired.

Cheers

All of which impose limitations and conditions on you, the insured. None of which impose any conditions whatsoever on the insurer. The legal precept of uberissime fides goes both ways- complete good faith on BOTH parties. So, when applied by insurance companies, why does it work only ONE way? You must divulge all your history, of accidents , claims, tickets etc. But the insurance company divulges NOTHING. Why are they not required to specify if they have recently turned down a claim? had a qualified auditors report?

Why, when asked these questions do insurance companys react with horror?

So , what you are sayoing, is that insurers will insure you for damage incurred, so long as you NEVER make a mistake? Never get it wrong? If you do, tough shit. Well, if I don't get it wrong, why would I NEED insurance ?

k1w160

6th May 2008, 05:51

So , what you are sayoing, is that insurers will insure you for damage incurred, so long as you NEVER make a mistake? Never get it wrong? If you do, tough shit. Well, if I don't get it wrong, why would I NEED insurance ?

No, that's not what I mean, if your turned down for an insurance claim, they have to have a clear legal reason to do so, and if you disagree with their decision then there will be a process available to disbute this.

However, if you are turned down for a claim and you haven't got a leg to stand on, then learn from the situation.

The point of my original post on this subject is that my experience is that I have found them fair and reasonable to deal with, and this experience has also applied to travel and household insurance.

Edbear

6th May 2008, 11:26

... Bare in mind ... Intelligent debate ...

Interesting Fruedian slip, there...:innocent:

jrandom

6th May 2008, 11:38

From the info above John is a trustee of the forefront trustee company who own JBI brokers Ltd.

Incorrect. I thought you were supposed to learn about company law when you did a BBS?

I looked up the trustee company; its shareholders and directors are, as you would expect from its registered address, solicitors.

explanation would baffle most people

Nonsense. It's straightforward. Person A owns Company B, and Persons C and D have been appointed as directors to run it.

That's why we have a Companies Office, so that anyone can find that stuff out. Transparency and accountability.

I work with the National Bank of New Zealand and if someone told me that The ANZ Group Australia do not own The National Bank...

But they wouldn't tell you that.

The Companies Office website clearly states that ANZ National Bank Limited is owned by ANZ Holdings (New Zealand) Limited, which is owned by ANZ Funds Pty Limited and Australia and New Zealand Banking Group Limited, both with registered offices in Melbourne.

This shit is not rocket science. Don't hand-wave it away.

jetboy said that JBI and Star were 'not affiliated', but both companies are owned and run by the same guy. That means, in simple common-sense terms, that they are affiliated. If AON has an interest in Star, I'd like to know how.

I have no problem with Tim, he's a good cunt, but he made an incorrect statement and got called on it. That's all there is to it.

Grahameeboy

6th May 2008, 11:51

I think you'll find that Aon bought JBI's book of clients, not the company.
I expect that the company you're dealing with is AON NZ Limited trading as JBI or somesuch.

Correct Sir although I am pretty certain their Prestige Vehicle side is not with Aon

Star Insurance

6th May 2008, 13:15

John Baker as a person owns multiple companies. Just like some of you who own multiple bikes

He has sold his interest in John Baker Insurance to Aon Risk Services NZ Ltd. This was sold as at 1 January 2007. (Just like you selling one bike). So what you know as John Baker Insurance is formally Aon Risk Services Ltd T/A John Baker Insurance. (John Baker Insurance Brokers Ltd is the original company is maintained for operational and liability purposes)

He maintains his ownership in Star Underwriting Agents Ltd, who trade as Star Insurance.

If you require further clarification, please contact: Nicholas Baker, Ph: 09 250 6004.

jrandom

6th May 2008, 13:25

Thank you for clarifying that, Mr Starman sir.

And thank you for getting onto the claim I made yesterday so promptly.

:2thumbsup

He'd like to come and meet us
But he thinks he'd blow our minds...

jetboy

6th May 2008, 13:29

...the claim I made yesterday..

And this is why everyone's premium goes up 20% next year....

:wari:

jrandom

6th May 2008, 13:36

And this is why everyone's premium goes up 20% next year...

:lol:

Cunt.

And I hereby retract the 'incorrect statement' comment I made.

However, you shouldn't back off from an argument like that. If you're right, then you should press on (politely) and win the argument, or people (like me) will assume that you're either full of shit or don't really know what you're on about, neither of which impressions will do you much good in the long run.

:niceone:

Maha

6th May 2008, 13:49

And this is why everyone's premium goes up 20% next year....

:wari:

Wheres the (pt) at the end of that statement?
I will be paying my premium later today, was due on Monday...$780.57 coming up!
I may have missed it through the thread but whats the deal with no claims?
Does it have an effect on the premium at all?

jrandom

6th May 2008, 13:54

... whats the deal with no claims?
Does it have an effect on the premium at all?

No, you must fund my bins, kthxbye.

jetboy

6th May 2008, 14:20

:lol:

Cunt.

And I hereby retract the 'incorrect statement' comment I made.

However, you shouldn't back off from an argument like that. If you're right, then you should press on (politely) and win the argument, or people (like me) will assume that you're either full of shit or don't really know what you're on about, neither of which impressions will do you much good in the long run.

:niceone:
All good mate - I figured that if I said the same thing 3 times people would get the drift...then again im talking about the same people who fall over at 30k's on 'diesel' hahaha just kidding!

jetboy

6th May 2008, 14:21

Wheres the (pt) at the end of that statement?
I will be paying my premium later today, was due on Monday...$780.57 coming up!
I may have missed it through the thread but whats the deal with no claims?
Does it have an effect on the premium at all?
This was just a jab at jrandom - his claim has no bearing on your premium mate!

jrandom

6th May 2008, 14:24

then again im talking about the same people who fall over at 30k's on 'diesel' hahaha just kidding!

One assumes that one's insurance company accepting a claim without further question makes it unnecessary for one to ask the local residents who stopped by shortly after the crash and the friend who came with a trailer later to pick one up to contact said insurance company and verify one's story of a road covered in diesel.

:Pokey:

jetboy

6th May 2008, 14:36

One assumes that one's insurance company accepting a claim without further question makes it unnecessary for one to ask the local residents who stopped by shortly after the crash and the friend who came with a trailer later to pick one up to contact said insurance company and verify one's story of a road covered in diesel.

:Pokey:
Good to hear all went well with your claim mate.
Hope you get yourself a bike asap!

jrandom

6th May 2008, 14:41

Hope you get yourself a bike asap!

I very much doubt that the bike will be written off.

Usarka

6th May 2008, 15:23

I very much doubt that the bike will be written off.

better luck next time?

Hailwood

6th May 2008, 16:44

jrandom

6th May 2008, 16:50

better luck next time?

I have an entirely irrational attachment to this particular bike.

Which has nothing to do with the bags of cocaine stashed in the (dented) fuel tank.

Oscar

6th May 2008, 17:16

Well hopefully this will be the end of the bleatings Oscar....of course you could always apologise for your misleading statements......................................

How about you show me a misleading statement that I made or STFU.

John Baker does own Star.
Jetboy claims to work for "John Baker Insurance".
He actually works for AON.

Who is being misleading again?

Edbear

6th May 2008, 17:28

How about you show me a misleading statement that I made or STFU.

John Baker does own Star.
Jetboy claims to work for "John Baker Insurance".
He actually works for AON.

Who is being misleading again?

Until recently I worked for Lighthouse in Albany of which the owners, last Sept. sold 51% to ACIL. If I was still there and was asked who I worked for, I would have answered, "Lighthouse". So no conflict there. ACIL own several companies in the South Pacific and are a large corporation.

jrandom

6th May 2008, 17:33

STFU... John Baker... Star... Jetboy... AON... misleading... :angry2:

Y'know, Oscar, I think the situation has been very well clarified now. jetboy might not be the best at explaining things, but I'm inclined to forgive him for that shortcoming.

I'm starting to suspect you're just angry because Tim won't tell you where he gets his hair gel...

:girlfight:

Oscar

6th May 2008, 17:36

Until recently I worked for Lighthouse in Albany of which the owners, last Sept. sold 51% to ACIL. If I was still there and was asked who I worked for, I would have answered, "Lighthouse". So no conflict there. ACIL own several companies in the South Pacific and are a large corporation.

You realise how that works, and I realise how that works, but isn't it just the slightest bit misleading?

Now I'm being accused of being misleading for stating a fact - John Baker owns Star. If Tim had of been upfront in the first place, there wouldn't be a problem.

Oscar

6th May 2008, 19:18

Y'know, Oscar, I think the situation has been very well clarified now. jetboy might not be the best at explaining things, but I'm inclined to forgive him for that shortcoming.

I'm starting to suspect you're just angry because Tim won't tell you where he gets his hair gel...

:girlfight:

I see the mod removed my answer to this (haven't they got anything better to do), whereupon I agreed that the situation is clarified.

Padmei

6th May 2008, 21:49

Man this has been good. Is there a special features link which shows the deleted scenes & bloopers?:clap:

Hailwood

7th May 2008, 08:32

So Oscar which insurance company do you work for?

Oscar

7th May 2008, 08:44

So Oscar which insurance company do you work for?

How is that relevant?
I'm not selling anything.

Cr1MiNaL

7th May 2008, 18:43

jrandom

7th May 2008, 19:05

Dan sure its not rocket science but try and appreciate that what the companies office states is not always the best way to understand the formation of a company. I am surprsed you quote my post so passionately! It is not uncommon to come across for example a trustee company with several directors and shareholders without a single mention of the person who has a 51% stake in the company.

I'm well aware of how trusts and individual or corporate trustees work. Don't presume that I don't know anything about the subject just because I don't fill out forms for a living.

:yawn:

In this case, the shares were owned by an individual and a trustee company. That usually means that they're both acting as trustees.

The trust deed governing their actions as shareholders in trust isn't published by the Companies Office, of course, but when the only individual trustee shareholder happens to be the guy the company's named after and is also the sole director of the company, one starts to draw inferences...

:laugh:

Of course, the vital missing piece of information in this case was the fact that the company that we're actually dealing with is not incorporated as John Baker Anything Limited. When one has insufficient data, one tends to draw inadequate conclusions.

No offense mate but things are not always what they seem.

I find your supercilious, condescending tone annoying, particularly when you're not actually offering any information or analysis of value but are just telling people to shut up because they don't know what they're talking about.

You haven't actually written anything in this thread that advanced anyone's understanding of the structure or ownership of the underwriting agents and insurance brokers in question.

Now stop quoting me and bring me my scotch !

Yes, I'd really better get around there with it, hadn't I!

:pinch:

why is there so much tension between people on this site? why not sort out your petty differences like men, face to face...sigh.

There's tension because we're mostly a bunch of arrogant wankers who don't mind pointing that fact out to each other, and, generally speaking, things do get sorted out face-to-face when necessary. Doesn't stop public discussion from happening, though. That's what the forum's here for.

Also, I don't think an in-depth examination of who owns and controls the insurance brokers in question is in any way off topic for this thread.

Cr1MiNaL

7th May 2008, 19:19

I'm well aware of how trusts and individual or corporate trustees work. Don't presume that I don't know anything about the subject just because I don't fill out forms for a living.

I'm not inferring, I know better than that. I was merely basing my comments on your sole faith in the companies office website. If you say you are rightly experienced in the matter you would not have even gone there.

In this case, the shares were owned by an individual and a trustee company. That usually means that they're both acting as trustees.

Yes, but what you can't see on the website and I'll put 10 bucks where my mouth is that the trustee company is professional.

The trust deed governing their actions as shareholders in trust isn't published by the Companies Office, of course, but when the only individual trustee shareholder happens to be the guy the company's named after and is also the sole director of the company, one starts to draw inferences...

And therein lies the problem with assuming. Don't assume what you don't know. Thats like 101 of anything under the planet.

:laugh:

Of course, the vital missing piece of information in this case was the fact that the company that we're actually dealing with is not incorporated as John Baker Anything Limited.

And this was just as I had suspected in the first place and if you re-read my post I am subtly implying that the formation would have been left as is for tax/operational benefits, and there would be a lot more to it 'behind the scenes'. Not very uncommon as you would of cause know already. (?)

I find your supercilious, condescending tone annoying, particularly when you're not actually offering any information or analysis of value but are just telling people to shut up because they don't know what they're talking about.

I get like that when I actually know what I am talking about for a change. I can't bother to type to gain wank cred and hence I refrain from too much debate, but when you come around with the scotch I promise to be more cooperative after a few drinks.

Also, I don't think an in-depth examination of who owns and controls the insurance brokers in question is in any way off topic for this thread.

Actually it is. I was not interested in who Tim's employer was. I have access to all that information should I require it. I wanted to know about JBI's claims experiences.

jrandom

7th May 2008, 19:26

I'll put 10 bucks where my mouth is that the trustee company is professional.

Of course it's professional. And its directors will be John Baker's solicitors, acting under his instruction. I'll put 10 bucks on that.

;)

I get like that when I actually know what I am talking about for a change.

Best to stick to talking about stuff that you don't know much about, then, or you'll start making everyone's head within a 10m radius explode with general annoyance.

I wanted to know about JBI's claims experiences.

Did I mention yet that I can attest that they're awesome in that respect?

Of course, so are Kiwibike.

To be honest, I think that choosing a bike insurance broker is really more a matter of whether one gets on better with Tim or Dave.

Me, I find Tim downright scary...

:laugh:

Cr1MiNaL

7th May 2008, 19:34

Yes, I think I'll stick to things I don't know jack about, might I draw your attention to some of my more popular threads ?:laugh::laugh::soon:

Number One

7th May 2008, 19:37

Im with state.

1 - $345 full insurance 1 year
2 - $350 excess
3 - $500 excess for any other rider.
4 - $7000 full comprehensive insurance.

I never had insurance before, I am on my learners.

cant beat that I was totally shocked and asked if they had made a mistake

State are effing wankers! I would never ever again insure anything with them.

Nice to see this thread too as I am in the market for some insurance myself so will definitely be checking JBI out.

jrandom

7th May 2008, 19:39

Yes, I think I'll stick to things I don't know jack about...

You're much more lovable in that mode bro.

:hug:

Edbear

7th May 2008, 19:43

State are effing wankers! I would never ever again insure anything with them.

Nice to see this thread too as I am in the market for some insurance myself so will definitely be checking JBI out.

I can heartily recommend Tim, especially in my current position, ie: out of work, he has been very accomodating, and I hope to be gainfully employed again very shortly!

Re': State, I guess it shows that every case is different and while you may have had a bad experience with them, we have had all bar our bike cover with State since Adam was in short pants, and have had nothing but the best service and prices from them! Go figure!