Getting insurance without a licence?

[dave_a]

Hi Guys

I am looking at a 600 and cant wait till I get my full, But untill then I was wondering if there is anyway to get insurance ? even if it is just for theft?

[yod]

Hi Guys

I am looking at a 600 and cant wait till I get my full, But untill then I was wondering if there is anyway to get insurance ? even if it is just for theft?

i would think you could insurance for theft only - talk to an insurance co. but I can't see why not

[klyong82]

Hi Guys

I am looking at a 600 and cant wait till I get my full, But untill then I was wondering if there is anyway to get insurance ? even if it is just for theft?

Even if had insurance but when claim time comes they might find out and say since you are unlicenced therefore the insurance policy is void.....I think it is written in the policy that it is void if you do not have the appropriate licence. I just think insurance companies try all sorts of ways to avoid payout

[SKIDA//00]

Hi Guys

I am looking at a 600 and cant wait till I get my full, But untill then I was wondering if there is anyway to get insurance ? even if it is just for theft?

yes u cant insure you bike for fire,theft and transport (ie on a trailer to an event) i have mine insured like this with my broker....

[CookMySock]

Apply for a GDLS exemption for the 600 then you will be fully insurable. If they won't give you an exemption, then you shouldn't be riding a 600.

DB

[Luckylegs]

yes u cant insure you bike for fire,theft and transport (ie on a trailer to an event) i have mine insured like this with my broker....

Yup, I had my old VFR insured for Fire/theft (it was insured while garaged at my premesis) when I was on my Restricted licence. Its insurable because you are allowed to own any bike (just like any other asset) you are just not entitled to ride it (on a public road presumably)

Anyway, short answer.... YES

[dave_a]

Apply for a GDLS exemption for the 600 then you will be fully insurable. If they won't give you an exemption, then you shouldn't be riding a 600.

DB

Dont post in my threads, Out of every post I have seen from you not one has been constructive.




And thanks guys have now got it sorted through kiwibike :lol:

[CookMySock]

Dont post in my threads, Out of every post I have seen from you not one has been constructive.:motu:

DB

[yod]

:corn:

....

[hang0ver]

This is good stuff... My last ride was out of capacity conditions (400) but wasn't worth enough to get worried about.

I'm looking to be in the same boat with a 600 but wanna spend between 4-6K so am def interested about covering it for theft.

[marty]

Dont post in my threads, Out of every post I have seen from you not one has been constructive.




And thanks guys have now got it sorted through kiwibike :lol:

ooh can i post in 'your' thread? i can try to be constructive.



but i doubt i will be.

[Owl]

My Mrs (broker) recons you should be able to get storage cover that will cover your bike for theft, just not while ridden. She said to try NZI as they are pretty flexible or else contact a broker.

[skidMark]

Dont post in my threads, Out of every post I have seen from you not one has been constructive.




And thanks guys have now got it sorted through kiwibike :lol:


He actually offered constructive advice as to getting an exemption, i thin k he has a fair point, didnt you only get your first bike a few months ago, correct me if i am wrong.

[FJRider]

Dont post in my threads, Out of every post I have seen from you not one has been constructive.




And thanks guys have now got it sorted through kiwibike :lol:

YOU POST IN PUBLIC FORUM... TAKE WHAT YA GET. You ask for advice ...you got some ... don't like it, don't take it (ignore it)
Ask silly questions...get silly answers. :doh:

[yod]

water's wet, sky's blue, death, taxes, etc

[Luckylegs]

...that will cover your bike for theft, just not while ridden.

...Has anyones bike ever been stolen while they were riding it ??? :msn-wink:

I realise thats not what you were saying, Im just BORED !

[Chrislost]

Hi Guys

I am looking at a 600 and cant wait till I get my full, But untill then I was wondering if there is anyway to get insurance ? even if it is just for theft?

Nup.
I got told...

They do, but as you are not ment be riding it they wont insure you exept at your house.
which kind of defeats the purpose of theft insurance unless you are trying to build a clean insurance reccord.
aparently too many "stolen" bikes were getting found in ditches etc etc etc...

[Chrislost]

My Mrs (broker) recons you should be able to get storage cover that will cover your bike for theft, just not while ridden. She said to try NZI as they are pretty flexible or else contact a broker.

storage cover, yes...

but they wouldnt let me say that during the day my bike is stored outside work...

[marty]

what if you were riding said bike in somewhere like Glen Innes, and you got mugged, and your bike stolen. could you claim then?

or you popped up to the shop for milk, left the bike outside the shop, and it got stolen from there? could you claim?

or, you were out riding it, and fell off it (not likely i know, but) then called your mate from the killer beez, and he stole it from the ditch? could you claim then?

[scumdog]

what if you were riding said bike in somewhere like Glen Innes, and you got mugged, and your bike stolen. could you claim then?

or you popped up to the shop for milk, left the bike outside the shop, and it got stolen from there? could you claim?

or, you were out riding it, and fell off it (not likely i know, but) then called your mate from the killer beez, and he stole it from the ditch? could you claim then?
Hey, that's not very constructive, is it??:whistle:

[madandy]

DB makes a valid and constructive point!
You wanna 600? Get an exemption or wait till ya get your license.
Too much instant gratification demanded by adulthoods' noobs these days, sheesh.

[dave_a]

best thread ever......

anyway no its not my first bike, infact its about my 16th I just came from riding dirt bikes and riding a 250 aint my thing.

I just dont want to go spend 12 grand on a bike then have some fucker steal it and end up with nothing.

[madandy]

You can buy a decent 600 for 5k at this time of year...far less risk while you're unlicensed...

or apply for the exption...are you over 25? You'd only need do 3 months on yer restricted + some ghey test then you're on yer full and laughing ;)

[CookMySock]

anyway no its not my first bike, infact its about my 16th I just came from riding dirt bikes and riding a 250 aint my thing.sooooo, write that down on a napkin, fill the fucken form out, pay ur fucken 22bux, and in ten days time you will get a letter - ta-da! fucken exemption! Piece of piss. :bleh:

I was in exactly the same situation as you - aint no way I was going to ride a pissy little 250 for a whole damn year. They just wrote out the exemption - no questions asked. There is only one problem, and that is you don't get to ride around feeling like a lawbreaker - much to be said for this.

DB

[slimjim]

[QUOTE=dave_a;1593930]Dont post in my threads, Out of every post I have seen from you not one has been constructive.

:Playnice: holy fuck Robin............... yup wise up laddie !

[breakaway]

You can buy a decent 600 for 5k at this time of year...

Where? <img src=''/>

[dave_a]

sooooo, write that down on a napkin, fill the fucken form out, pay ur fucken 22bux, and in ten days time you will get a letter - ta-da! fucken exemption! Piece of piss. :bleh:

I was in exactly the same situation as you - aint no way I was going to ride a pissy little 250 for a whole damn year. They just wrote out the exemption - no questions asked. There is only one problem, and that is you don't get to ride around feeling like a lawbreaker - much to be said for this.

DB

Thats better :apint:

I will apply for it but being 22, 5 ft 10 and 70 kilo I dont think that they are going to be very empathetic.


Maybe i could be 6 ft 5 and 120 kilo when I apply :bleh:

[Tank]

best thread ever......

anyway no its not my first bike, infact its about my 16th I just came from riding dirt bikes and riding a 250 aint my thing.

I just dont want to go spend 12 grand on a bike then have some fucker steal it and end up with nothing.

And I dont want to spend 12 grand on a bike just to have some fucker who cant be botherd to get dispensation crash into me and have no insurance.

Grow up - get off your high horse, get dispensation and get insured properly. Or if you cannot get dispensation - tough shit - ride within the terms of your licence.

Im sick of people that think that they are such riding gods that the law shoudnt apply to them.

DB's comment was constructive - its just thet you were to stupid to see it.

[madandy]

Where? <img src=''/>

tardeme.

I bought a '97 YZF600R with Ohlins suspension and a tweaked engine that ran with better/faster/newer bikes for 5k. that was from a dealer. Rode it to work every day for 2 years, did trackdays and plenty of weekend rides and sometimes wish I still had it.
Work mate bought a '96 ZX6R - 45000kms, near mint condition for $4600. The thing rides beautifully.

Search and you shall find...they're everywhere when you look around at take yer time :)

[Nicksta]

have you called and asked?
Dave at Kiwibike is really constructive and is a biker too.... he will let you know what you can insure and what you cant... how long until you get your full? i'd say you can insure it for fire and theft, then change it when you get the right licence.

[dave_a]

And I dont want to spend 12 grand on a bike just to have some fucker who cant be botherd to get dispensation crash into me and have no insurance.

Grow up - get off your high horse, get dispensation and get insured properly. Or if you cannot get dispensation - tough shit - ride within the terms of your licence.

Im sick of people that think that they are such riding gods that the law shoudnt apply to them.

DB's comment was constructive - its just thet you were to stupid to see it.

and your a fucking moron, Did you read what you just wrote? :niceone: . I was looking to get insurance not get out of it. And If I was to hit someone I would pay out insurance or not.

and to ride a 600 you have to consider yourself a riding god? Guess they better print GOD and not David When I get my full lisence huh?.

[dave_a]

have you called and asked?
Dave at Kiwibike is really constructive and is a biker too.... he will let you know what you can insure and what you cant... how long until you get your full? i'd say you can insure it for fire and theft, then change it when you get the right licence.

Thanks have talked to kiwibiker and its now all sorted!

[dave_a]

tardeme.

I bought a '97 YZF600R with Ohlins suspension and a tweaked engine that ran with better/faster/newer bikes for 5k. that was from a dealer. Rode it to work every day for 2 years, did trackdays and plenty of weekend rides and sometimes wish I still had it.
Work mate bought a '96 ZX6R - 45000kms, near mint condition for $4600. The thing rides beautifully.

Search and you shall find...they're everywhere when you look around at take yer time :)

Thanks will keep an eye out

[Tank]

and your a fucking moron, Did you read what you just wrote? :niceone: . I was looking to get insurance not get out of it. And If I was to hit someone I would pay out insurance or not.

and to ride a 600 you have to consider yourself a riding god? Guess they better print GOD and not David When I get my full lisence huh?.

Its "you're a fucken Moron" - but I digress.

Yes - I did read what you wrote.

You said
anyway no its not my first bike, infact its about my 16th I just came from riding dirt bikes and riding a 250 aint my thing.

That's where I came to the conclusion that you believe your riding skills are good enough that you shouldn't have to worry about riding within the legal constraints of your licence.


Yes - you said you were looking for insurance - but its obvious that you are not looking to RIDE the bike insured.

You say that if you hit anyone you would pay - Nice theory until you hit a 100k BMW.

Anyway - glad to see that you got covered by Kiwibiker - so what did you end up with? Will you be riding insured?

[Tank]

Thanks for the red rep :love:

Anyway - (PM received) - Nice that you cant wait to see me on my piece of shit on the road - so what exactly does your 5'10 skinny ass think your going to do. Refuse to wave? ohhhhh scary!

Fucking Keyboard warriors - you crack me up.

[CookMySock]

I will apply for it but being 22, 5 ft 10 and 70 kilo I dont think that they are going to be very empathetic. Maybe i could be 6 ft 5 and 120 kilo when I apply

edit: swipe, delete. Help withdrawn. :motu:


DB

[madandy]

A tinnie and some porn?

Now there's some constructive criticism :yes:

[dave_a]

Thanks for the red rep :love:

Anyway - (PM received) - Nice that you cant wait to see me on my piece of shit on the road - so what exactly does your 5'10 skinny ass think your going to do. Refuse to wave? ohhhhh scary!

Fucking Keyboard warriors - you crack me up.

Pm me for my address "big black"

more than happy for you to stop by anytime

:hug:

[Tank]

Pm me for my address "big black"

more than happy for you to stop by anytime

:hug:

To clarify - I'm about as black as an albinos inner thigh.

Why would I want your address:

1 - you live in Wellington FFS
2 - Its an Internet post - veiled threats of violence as you popped in my rep are ridiculous - Seriously why would I even give a flying fuck? Its not that I was worried about it - I was laughing at you :laugh::laugh::laugh::laugh::laugh:

Anyway - to get back on track with the thread:
What insurance did you get and will they cover you to ride the 600 on the road?

[marty]

did you know there's 9 pages of threads tagged with 'arse biscuit'?

[CookMySock]

let it go.. his nick ends with an " a" on its own for a valid reason.

DB

[hang0ver]

And I dont want to spend 12 grand on a bike just to have some fucker who cant be botherd to get dispensation crash into me and have no insurance.


Last time I checked, theres no law forcing you to have insurance. I believe if you ride without it, you should acknowledge and accept the risks/consequences (like if you crash into a nice beemer, turn around, lower your pants and get some lube. Or prove them at fault, like I did).
I have been in a position where the pro's out-weighed the con's in the instance of not having insurance.

Call me the insurance cowboy... :done:

[Tank]

Last time I checked, theres no law forcing you to have insurance. I believe if you ride without it, you should acknowledge and accept the risks/consequences (like if you crash into a nice beemer, turn around, lower your pants and get some lube. Or prove them at fault, like I did).
I have been in a position where the pro's out-weighed the con's in the instance of not having insurance.

Call me the insurance cowboy... :done:

Indeed - there is no law - and of course its rider beware. But lets be honest - how many of us can take the hit of (say) 30k (excluding the cost of fixing your own bike) should we actually be the at fault party?

To me its just common sense.

The only Pro of not having insurance (that I can guess) is not paying the premimums - thats not a pro's / cons argument but more a risk / impact.

To me the risk is simply not worth saving iro $800 per year. But each to their own.

[Dargor]

Indeed - there is no law - and of course its rider beware. But lets be honest - how many of us can take the hit of (say) 30k (excluding the cost of fixing your own bike) should we actually be the at fault party?
Well if where asking honest questions, who here can avoid hitting the Beemer while concentrating, being careful, etc? Everyone?

If your trying to avoid the 30k hit your going to be very careful and not hit the beemer.

This is a good way to learn how not to make mistakes.

And if its not your mistake then you shouldnt have anything to worry about.

"But to each their own", yep, well heres our own.

[Tank]

Well if where asking honest questions, who here can avoid hitting the Beemer while concentrating, being careful, etc? Everyone?

If your trying to avoid the 30k hit your going to be very careful and not hit the beemer.

This is a good way to learn how not to make mistakes.

And if its not your mistake then you shouldnt have anything to worry about.

"But to each their own", yep, well heres our own.

Katman - is that you??? :rolleyes:

Dargor - The problem is that none of us are infallible. People, regardless of all good intentions do have accidents.

Falling off and dying is also a good motivation not to have an accident - yet (sadly) Ive lost count of how many KB'ers here have lost their lives already this year?

Again - it doesnt answer the question about what happens IF you unfortuantely do have an accident (and in the wrong etc).

Personally I'm for insurance being made compulsory. :devil2: Primarily because the majority of people who do have the unfortunate accidents and that are "at cause" without insurance often fail to have the balls or the means to stand up and pay.

[skidMark]

Now this is just getting funny.

Shouldve quit while you were semi ish ahead dave, now you just look like a tard.

[FJRider]

There is only one problem, and that is you don't get to ride around feeling like a lawbreaker.

DB

Isn't that half the "fun" of motorcycling ???

[FJRider]

Katman - is that you??? :rolleyes:

Dargor - The problem is that none of us are infallible. People, regardless of all good intentions do have accidents.

Personally I'm for insurance being made compulsory. :devil2: Primarily because the majority of people who do have the unfortunate accidents and that are "at cause" without insurance often fail to have the balls or the means to stand up and pay.

At least 3rd party insurance. No matter WHAT you hit...your covered. If your bike isn't worth the premiums. It saves lengthly court battles.

[stevewederell]

Give Kiwibike a holler,0800 629 253

Just swapped mine from state to a company through them. Slightly higher prem' but excess came down from 1000 to 250.

Hope this helps
Steve

[PrincessBandit]

Apply for a GDLS exemption for the 600 then you will be fully insurable. If they won't give you an exemption, then you shouldn't be riding a 600.

DB

Ahhhhhemmmmmmmmmmm???????
p.s. you are correct though about being eligible for insurance on GDLS

[2Slow50]

Yup! I am exempt to ride a 600 on my learners.. My R6 has full cover = ) (I dare not look at my insurance bill though hehe)

Dave.. DB had a good point about applying for an exemption man, I found out about getting my exemption through KB and if you ask me, it was the most constructive thread I have EVER read... :woohoo:

[CookMySock]

Yup! I am exempt to ride a 600 [R6] on my learners..An R6 ?? How the fuck did you pull that off ? Well done! You must have told a lot of lies there. :shifty:


Ahhhhhemmmmmmmmmmm???????wot I do ? wot I do ? :pinch:

DB

[2Slow50]

hahaha well I wouldn't call it lies... just careful wording!

I am 190cm and am exempt of this restriction because of the dangers of riding in a cramped up position on a 250 (I swear they don't know about hyobags)...

meh anyway, I thought they were going to restrict me to a certain model of bike, I told them I was keen on a Suzuki GSR600 (road bike) but they said I could ride anything up to 600cc... nothing said about a specific model of 600 - 2 days later I own an R6 :lol:

I love the LTSA!

[slimjim]

hahaha well I wouldn't call it lies... just careful wording!

I am 190cm and am exempt of this restriction because of the dangers of riding in a cramped up position on a 250 (I swear they don't know about hyobags)...

meh anyway, I thought they were going to restrict me to a certain model of bike, I told them I was keen on a Suzuki GSR600 (road bike) but they said I could ride anything up to 600cc... nothing said about a specific model of 600 - 2 days later I own an R6 :lol:

I love the LTSA!


yup that'll help , height only taken in not size of airbag around belt buckle , :Police:

[Dargor]

Yup! I am exempt to ride a 600 on my learners.. My R6 has full cover = ) (I dare not look at my insurance bill though hehe)
WTF, you are over thirty right?

[CookMySock]

2 days later I own an R6 :lol: I love the LTSA!Well done. Dont have a massive crash on it ffs, or they will review the whole process and make a new rule! :whistle:

Once I have my restricted I think I will apply to sit my full. I should have a good 15,000km's under my belt by then I think. R1 time then.

DB

[2Slow50]

LOL am I over 30?...

I'm 20. :woohoo:

Will I have a crash? Well I ride very responsibly and within my riding ability... so lets hope not..

[Katman]

Katman - is that you??? :rolleyes:



Should I be worried that you're so obsessed with me, or just flattered?

[CookMySock]

I'm 20. :woohoo:waaaaaaaaaaat !? Thats amazing. I'm quite lost for words actually. I don't think they visualised an R6 though. :laugh:

Anyway, congrats!

DB