Insurance...who is best?

[meon3]

15 yr son is buying new bike, $10,000 plus 250cc. Who is he best to Insure with?

[750Y]

NOT STATE!!!!!

[Sensei]

Shit you'll be luck to get anyone to do it . 15y >$10,000 plus . I wouldn't even do it. If you do it will be pretty dear . I go through "Protector Insurance"
$638 for 1year for my 3 GSXR1000 That is the cheapest in NZ Nobody else can match it that I have try & have tryed them all
SENSEI <_<

[Blakamin]

15 yr son is buying new bike, $10,000 plus 250cc. Who is he best to Insure with?
good luck!..... but a 15y/o on a bike that price, I'd hate to see the premiums...
I doubt AMI, State etc would touch it... you'd be better asking Kiwibike... protecta *might* do it..... or see an Insurance broker

[James Deuce]

Read the fine print on Protecta - you may find that you have an excess of 25% of the vehicles involved in the accident. Not good if you smack into a $50k Bayliss replica 998.

I would be as surprised as Sensei to find any Insurance company that woulkd cover a 15 year old. The only one I can think of would, would be State or maybe AMI.

[Will]

I have mine through John Baker Insurance but my bike is only 5 years young and because I am an old bugger I get a discount through Ulysses.

[jrandom]

I'll be interested, purely out of morbid curiosity, to know whether you manage to get insurance, and what it costs.

Is it a road bike? Can't think of any 250cc road bike other than an RS250 that'd cost that much. And if you're letting your 15 year old onto an RS250 as his first bike, well, let's just say you're obviously not the world's most over-protective mother.

*Must* be a new dirtbike. Right?

Can you insure them for off-road use, then?

[Hitcher]

It's been done to death before but get in contact with Dave at www.kiwibike.co.nz

[Blakamin]

Read the fine print on Protecta - you may find that you have an excess of 25% of the vehicles involved in the accident. Not good if you smack into a $50k Bayliss replica 998.

I would be as surprised as Sensei to find any Insurance company that woulkd cover a 15 year old. The only one I can think of would, would be State or maybe AMI.
AMI wont even insure a 33 year old on a $8500 Duc!!!! with contents insurance thru them!

[James Deuce]

AMI wont even insure a 33 year old on a $8500 Duc!!!! with contents insurance thru them!
You're Australian. What did you expect? A free ride in NZ?

Sheesh.

Becomes a moderator, and then it's, bitch, bitch, bitch.

[Grumpy]

I've had good results going thru Eric Wood m/cycles.

[Coyote]

Off topic: Wilkommen to the site meon3 and Will :niceone:

[stevedee]

$860 ish at AMI for the Zed, payed up front, have home, contents and car with them though.

[jrandom]

$860 ish at AMI for the Zed, payed up front, have home, contents and car with them though.

... AND you're really old.

So unfortunately we must guess that the insurance costs for your 750cc motorcycle of similar value aren't very relevant to this lady's query.

$860 per annum's a bit pricey for a Z750, though, innit? Did you get a quote from Protecta?

[guzzi_nz]

15 yr son is buying new bike, $10,000 plus 250cc. Who is he best to Insure with?


If your son buying bike off shop they maybe best ones to find then as they what the sale :stoogie:

[guzzi_nz]

You're Australian. What did you expect? A free ride in NZ?

Sheesh.

Becomes a moderator, and then it's, bitch, bitch, bitch.


:bleh: lol :bleh:

[Blakamin]

Becomes a moderator, and then it's, bitch, bitch, bitch.
Hey!... I was bitchin waaaay before then!!!!
Her_B4 had a problem when she said "Ducati" to AMI too.... bars-tards


and after february, I would have spent more time here that there :crazy:

[meon3]

Yeah.. it is an RS250..... and am a good mother...Hes been racing MX for alot of years and rides with me and his Dad, must be the best way to learn ? In actual fact more power will be safer when riding with us, overtaking etc, considering we covered 2000km in 2 days just this weekend. :scooter:

[meon3]

Thanks for the advice guys , is actually his second bike has left school and is working full time. Might see what dealer offers :niceone:

[stevedee]

... AND you're really old.

So unfortunately we must guess that the insurance costs for your 750cc motorcycle of similar value aren't very relevant to this lady's query.

$860 per annum's a bit pricey for a Z750, though, innit? Did you get a quote from Protecta?

My intention was to give a ball park figure, given my age you would expect to pay more for a younger rider, Protecta through the bike shop were more expensive but not by much so I went with my own insurer.

[crashe]

15 yr son is buying new bike, $10,000 plus 250cc. Who is he best to Insure with?

Meon3, welcome to the site....
Question are you the family I meet outside Mt Eden's the other day.... and then took you guys to Motomail???
If so, its good to see you guys on the site......

[gav]

AMI wont even insure a 33 year old on a $8500 Duc!!!! with contents insurance thru them!
Huh? You have two Ducatis?
:niceone:

[gav]

Nice thought and all, but really how about an RG150 or FXR150 rather than the RS250 for his first road bike? Great learner bikes, give him a year then maybe the RS250 after that.

[Krusti]

Meon3, welcome to the site....
Question are you the family I meet outside Mt Eden's the other day.... and then took you guys to Motomail???
If so, its good to see you guys on the site......

Hi crashe, yes it was meon3 and me. Site is allright, you where not wrong I have learnt alot allready and I cant remember the last time I was able to say that. :not:

See ya on the road ...maybe.

[Blakamin]

Huh? You have two Ducatis?
:niceone:
I paid a bit..........much......
but shit, I didnt even test-ride it..... just rode it home!!!!

[crashe]

Hi crashe, yes it was meon3 and me. Site is allright, you where not wrong I have learnt alot allready and I cant remember the last time I was able to say that. :not:

See ya on the road ...maybe.

Yep you sure will..... I thoroughly enjoyed talking with you guys.....and good luck in finding the bike for your young fella.... He is a really nice young man and seems so level headed...

Who knows maybe I will end up at that pub near where you guys are for a coke or something....lol .....

[meon3]

Nice thought and all, but really how about an RG150 or FXR150 rather than the RS250 for his first road bike? Great learner bikes, give him a year then maybe the RS250 after that.

That is where we are at, he has an RG150E and has covered thousands of kms on it. He has proved himself and now is outriding it. Insurance tho was under ours and not a good idea. :doh:

[What?]

I've had good results going thru Eric Wood m/cycles.
Me too, but neither of us is 15...

[inlinefour]

15 yr son is buying new bike, $10,000 plus 250cc. Who is he best to Insure with?

Started with state, after a decade of not needing em someone hits me from behind: another state member. They did a huge crap on me and I said :finger: you state.
AMI, great insurer, once used em with no worries. Changed to AA as they offered me a much cheaper offer as I was a member and they'd be easily as good as AMI. :scooter:

[Ghost Lemur]

I would have thought it would be cheaper for you (melon3) or his dad to register it and just have him down as a covered rider.

Otherwise I except no matter how sensible and mature he is (and he does sound like it) most, if not all insurance companies, will hear 15yr old and rs250 in the same breath, and pass it quicker than you can say cya.

[Mencius]

It's been done to death before but get in contact with Dave at www.kiwibike.co.nz

What he said.

Ang

[Roadrash]

Ask the bike shops who they think does the better repair jobs,
i know that it isn't state, but thats what i did and they were pretty honest
because it had nothing to do with them who insures it as long as they fix it

[Quasievil]

I got a quote today from classic bikes for

full cover
Kawasaki ZX6R $14000.00
No under 30s
Locked Garaged
covered everywhere except racing or timed events, I queried track days ,she said is it racing, I said no ,she said is it timed ,I said no she said well its covered then
Cost $655.00 P/A

AMI $1200.00

Guess what Quasi will be saying to AMI tommorrow

" AGAINST THE WALL YOU FUCKERS":ar15: :ar15: :ar15:

MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!

[Blakamin]

I got a quote today from classic bikes for

full cover
Kawasaki ZX6R $14000.00
No under 30s
Locked Garaged
covered everywhere except racing or timed events, I queried track days ,she said is it racing, I said no ,she said is it timed ,I said no she said well its covered then
Cost $655.00 P/A

AMI $1200.00

Guess what Quasi will be saying to AMI tommorrow

" AGAINST THE WALL YOU FUCKERS":ar15: :ar15: :ar15:

MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!
MWAAHHHHHH !!!!!!!!!!!!!!!!!

take over AMI for us then.... after you get your billion dollars...

[Suzi Q]

Thanks for the advice guys , is actually his second bike has left school and is working full time. Might see what dealer offers :niceone:
Try David Golightly - broker through Vero. He gave me my husbands no claim bonus - 65% - and I had never had any type of insurance before - do not go to State or AMI as they do not specialise in bikes, you will need a specialist.

[soundbeltfarm]

ive got my bike covered through farmers mutual.
cost me 145 bucks for cover of 3800 and all the other shit.
ive got all my stock and everything else with them and they are awesome to deal with.
had a few claims with different things and nothing was a worry.
dont know if you have to be a farmer anymore to use them.
i know you used to.
anyway thats my 2 cents

[Suzi Q]

I would have thought it would be cheaper for you (melon3) or his dad to register it and just have him down as a covered rider.

Otherwise I except no matter how sensible and mature he is (and he does sound like it) most, if not all insurance companies, will hear 15yr old and rs250 in the same breath, and pass it quicker than you can say cya.
Not a good Idea - if bike not rated for the son, then all turns to custard if he crashes and claims. I should know I work in insurance - and don't worry I don't push mu company to you guys as i am not insured with them either.

[**R1**]

I have....a lets just say bad riding record, heaps of claims, :bash: 30+ tickets, :Oops: loss of licence 4 or 5 times??? could be 6 or 7. :doh: i got heaps of quotes, they were all around the $2000 mark, i think the highest was $3400, then i went and saw ericwoods mc, the set hooked me up with Vero for $890 pa.

[Skunk]

I got a quote today from classic bikes for

full cover
Kawasaki ZX6R $14000.00
No under 30s
Locked Garaged
covered everywhere except racing or timed events, I queried track days ,she said is it racing, I said no ,she said is it timed ,I said no she said well its covered then
Cost $655.00 P/AHey Quasi - checked that it says locked, not double locked. We're covered by Classic and they require steering lock and one other lock. :doh:

[Quasievil]

Hey Quasi - checked that it says locked, not double locked. We're covered by Classic and they require steering lock and one other lock. :doh:

Didnt say anything of that nature but will check mate thanks smelly

[crashe]

hmmmm I just worked out what I pay for a year...$248.04 fully insured.
Thats covers 65% no claims... and the bike is locked up in a garage at night.
and that I am the only rider of the bike... (that helps to bring the cost down a lot that I am the only rider - and I stick to that rule to)

So maybe there is a difference between sports bikes and cruisers to be insured.

[NecroNom]

When i first got insurance for my KR noone wanted to know me but The National Auto Club is who i eventually got to sort it for me. Wether they pay out or not is still to be seen, but worth a try. Get a Quote anyhow.

0800501508 :pinch:

[riffer]

I got a quote today... AMI $1200.00


Bizarre.

My bike is insured fully comp with AMI. It's only insured for $4000. But it also only costs me $35 a month.

Go figure :confused: