Can I be insured?

[adam1194]

Hey,
How could i get insurance on a 08 ninja 250 if im only 15?
cheers
-Adam

[hayd3n]

see if you can go under your parents insurence

[Nasty]

Hold the right license and you can be insured. if you don't they may only insure against theft and fire etc.

[CookMySock]

I think the insurance will be so costly it will not be worth it. It might be worth it for the person you crash into, but they are hopefully insured. LOL.

DB

[skidMark]

you can get your bike license at 15, provided you have your learner license i do not see the issue?

and you either do a really big paper run, or mummy loves ya. :rolleyes:

[JMemonic]

See how you go if you have the right licenses should be fine just costly.

As to the comments above about hopeing that the person you crash into is insured
a) You really don't want to or intend to go out of your way to have a crash to test this.
b) If you don't have insurance in the case of a crash and you being found at fault the other party's insurance company has the right to recoup the money from you.
c) In an accident where you are found not to be at fault you don't have the legal backing that your insurance company has, it can be difficult in some cases to actually get the money you are owed for the repair or replacement.

[FJRider]

Talk to a few companys..... ask them...

[Little Miss Trouble]

see if you can go under your parents insurence

+1
Get your parents to insure it under their name with you as the named rider, of course your excess will be rediculously high (think $750+) but at least you'll have some piece of mind in case it gets stolen or some uninsured fucktard crashes into you.

Alternatively, see if you can get your own policy, yes it will cost LOADS to start off with but after the first year your premiums will start to come down (provided you don't make any at-fault claims of course.) This in turn will help you later on when you need to take out further policies

[McJim]

see if you can go under your parents insurence

That's not gonna work if mum and dad don't posess a 6L or above on their licence though is it?
"Hi I'd like to insure a 250 Ninja"
"How old are you?"
"46"
"Do you have a motorcycle licence?"
"Nope"
"Then we can only cover you for fire or theft"
"Cool - can my son be a named rider?"
"Yeah that will cost more than him insuring it as the owner since you have no entitlement to ride it"

Save you the trouble and call kiwibike insurance tomorrow - they'll sort you out better than this forum http://www.kiwibike.co.nz/

[Jerry74]

It will cost you a shit load to do, better to go 3rd party and wait til you have your full licence

[adam1194]

Hey,
Thanks for the replys.
Cost isnt too much of an issue, as im working 40+ hours a week and have no bills!!!
My parents both have motorbike licenses but im not sure if that would help???
Does anyone here have a bike insured somehow and are 15,16,17 etc???

Cheers,
-Adam

[1vanvan1]

Call the guys at Kiwibike Insurance on 0800 629 253.

So long as you have your license you should have no problem. Only it will probably cost you a fair bit.

They helped me out with mine and I was insured in less than 30 minutes!

[FJRider]

25 is the magic figure (age) when premiums lower. Ask a few insurance Coy's. Let your fingers do the walking.
Age 15 ...in Auckland...with a job ...WELL DONE...

[speights_bud]

I was 16 and got insurance on my 87 GPX (Ninja) 250R, there's no reason why you can't get insurance if you have all the proper licences etc. if nothing else at least get third party, then when you run into that $50,000 Audi (or my $1,500 Bomb) your arse is covered.

[adam1194]

I just gave kiwibike insurance people a ring, will cost $1083 per year for insurance.
Does that sound about right?

[1vanvan1]

I just gave kiwibike insurance people a ring, will cost $1083 per year for insurance.
Does that sound about right?

Kinda. Not really though! That is a lot!

I would definitely do some more research and ring around a bit more. I would of though it should be around 600

[Grumpy Gnomb]

If Kiwibike said $1083 that would be right but dont think $600 sounds right

[McJim]

It's an '08 250 Ninja - that's worth a fair amount.

I'm 38, my bike is worth about $6,000, I have full no claims bonus and a full licence. Costs me about $350 per year.

You're 15, your bike is worth $7,000, you have no driving history and a learner licence. About $1,500 would be about right. Kiwibike have offered you a bargain for peace of mind. You could reduce this by buying a less valuable bike though.

[helenoftroy]

My son Sam(Casualty) got his cbr250r almost a year ago,he was 17 and on a learners license

Best deal that we went with was with AMI.Bike insured for $5000,full cover,$200 excess for fire,theft etc,$500 all other claims.Annual premium $750

Might be worth a call?

[Griffin]

15yrs old riding a brand new 250 Ninja, working 40+ hrs a week and no debts. Thats pretty blardy cool.

Ring all the major Insurance companies... disclose everything, get quotes, find out excess amounts and 'special' conditions that may affect any claims and then go with the one that suits you best. Doesnt seem to me that money is a huge issue here.

What really counts is that the Insurance Company you choose has their shit together when it comes to crunch time... in this regard, some companies are crap - tho I wont State the obvious.

:Pokey:

[CookMySock]

We didn't even bother to begin getting prices for insurance for our learners. Basically you are near enough to be uninsurable, not because of you, but because of them.

The only real way around this is to insure yourself. Save up the money you would have spent on insurance and put it aside. The plus is, you get to KEEP IT !

You will also have a vested interest in keeping you and your bike safe. Somehow others on KB seem to think this is a liability not a benefit, but I would rather ride with someone who had a vested interest in their insurance than did not.

Many large companies in NZ insure themselves - itsa perfectly normal business practice.

Steve

[Tank]

We didn't even bother to begin getting prices for insurance for our learners. Basically you are near enough to be uninsurable, not because of you, but because of them.

The only real way around this is to insure yourself. Save up the money you would have spent on insurance and put it aside. The plus is, you get to KEEP IT !

You will also have a vested interest in keeping you and your bike safe. Somehow others on KB seem to think this is a liability not a benefit, but I would rather ride with someone who had a vested interest in their insurance than did not.

Many large companies in NZ insure themselves - itsa perfectly normal business practice.

Steve


ARRRRGGGGGHHHHHHHHHHH (Frustrated cry from whenever I see some of the total and utter shit that you write).

Just phone around and get prices as others have said.

Its NOT true that you are close to uninsurable - I was riding (legally) a 800cc bike on my learners and it cost me no more than if i was fully licenced (Protector). It may be helpful to get the dealer to call them for you also as they often have a relationship with them.

As with all businesses - they have different focuses so try all of the insurance places I'm sure you will get different prices. regardless - you can be insured - and its not necessarily going to be that expensive.

I also have a son who was licenced to drive a high performance targa car on the road - and that wasn't that expensive either.


As for insuring yourself - DB is again so far off the radar on how to insure yourself its not funny.

Using his model you save the money you would have spent on insurance and put it aside just in case.

Assuming you have no accidents in a year you have (say $600) sitting there. You have an accident where you ride the bike into the side of a car (luckily you are not hurt - bad news is that its a new Merc you hit).

Your bikes a write-off due to damaged front end and the Merc has 2 damaged panels and a bonnet with a big head shaped dint - cost to repair $5000.

Its OK you say - I have $600 saved to pay for a new bike and fix your car. Oh Oh - bit short - so you end up sans bike and a debt to pay off the damage to the car.

DB - Business 'insure' themselves by conducting a cost vs risk analysis - how you can believe that the effectively low cost is not worth mitigating against a high risk - then - yet again - the only thing dangerous is the little thoughts that swirl around that funny shaped head of yours.

[Tank]

It might be worth it for the person you crash into, but they are hopefully insured. LOL.

DB

Just a question DB - are YOU insured?

[adam1194]

15yrs old riding a brand new 250 Ninja, working 40+ hrs a week and no debts. Thats pretty blardy cool.


:Pokey:

Not riding a ninja just yet :P
Waiting for a green one to arrive, 'cos its green it goes faster.
Its not that hard to work 40+ hours per week, id prefer to earn money and save for bikes and cool shit that sit in social studies haha.
Right?
:rolleyes:

[adam1194]

We didn't even bother to begin getting prices for insurance for our learners. Basically you are near enough to be uninsurable, not because of you, but because of them.

The only real way around this is to insure yourself. Save up the money you would have spent on insurance and put it aside. The plus is, you get to KEEP IT !

You will also have a vested interest in keeping you and your bike safe. Somehow others on KB seem to think this is a liability not a benefit, but I would rather ride with someone who had a vested interest in their insurance than did not.

Many large companies in NZ insure themselves - itsa perfectly normal business practice.

Steve
]
How long did you stay in school for?

[portokiwi]

:(Wish I could own a bike less the ten years old let alone 15 and getting a brand new ninja.
Remember you are 15... Dont kill yourself on it... ITS VERY FAST.

[Qkchk]

Hi Adam,

Have you sat your Theory yet?

[-easy--rider-]

hi my dad brought a brand new bike and didnt have lisence and told them that i would be riding it sometimes. it was about $500 a year through a company specilsing in motor insurance. it includeda roadside asistance type thing to and i was covered if i crashed i. im 15 as well and i work 60+ hours a week.

[The Stranger]

DB - Business 'insure' themselves by conducting a cost vs risk analysis

To expand on this a little. A construction company I was with saved $80,000 of premium pa by carrying it's own insurance on motor vehicles, plant and tools. Security was beefed up for the plant and tools and people under the age of 25 were not allowed to drive company vehicles. The saving were significant.

Also the replacement of any lost equipment etc was tax deductable.

These benefits are not available to joe average.

DB, you're a fuckwit!