Can a rider on Restricted get full insurance cover?

[TOTO]

Has anyone had full insurance cover for a BIG bike (i.e. 900cc) on a restricted licence ? if yes - what company ?

I know possibility for it happening is small but better try and fail than not try at all.

State have currently turned me down based on my restricted, but hopefully I can find someone else to take my money :)

All input appreshiated boys and girls.

[PirateJafa]

Call Kiwibike. You'll see their ads on this site.

You can even get full cover on your learners.

Of course, while you are on your learners/restricted you can only have full cover on <251cc motorbikes unless you have an exemption.

[boman]

Yep. I got full insurance cover thru AMI. Market value.

[Rosie]

I had full insurance from AMI on my learners and restricted. I didn't have any trouble at all getting insured.
But, I already had car insurance with them, and I'm old and sensible, so that may have helped. :mellow:

[chubby]

Yes

In chch you can try golightly insurance services. They insure through Vero. They had a case recently where a restricted rider was taken out through no fault of his own and had his new bike written off. He was on a new bike in a matter of weeks. Phone 0800 800 786.

I'm not sure if this is the best place for insuring for Auckland but give them a ring, they may have contacts up there.

[short-circuit]

Yeah - you can have comprehensive cover on a 250cc bike or anything else below that capacity.

If you're riding a bike above that capacity you contravene the conditions of your license and are therefore breaking the law...so I think you'll struggle. Some insurance company might agree to set you up with a policy and collect your monthly premium but if things turn to shite on you they will definately not cover you for the above reason.

You may be able to get a larger capacity bike insured against fire and theft though if that's any help.

You might have a friend on their full license who may want to "own" your bike for a period of time - then they could insure it?

[Nagash]

Hey Tod.. have you ever considered applying for an exemption?

You could probably get away with it.

Anyway, as mentioned above, kiwibike is the go.

[doozy]

Yes, as mentioned Kiwibike, covered me on 250 for restricted, covered my katana while it wasn't being ridden and then full cover on full license riding katana ... I'll plug them as well as being super friendly, efficient and pretty cheap ... I was with protecta who charged me double what kiwi did for the 250 and the katana ...

[bomma]

you'll find that all companies will cover all manner of bikes/bikers but the determining factors are your history and whether or not you have other insurance with them....most companies wont do stand-alone motorbike insurance.....

[sleeqe2000]

NAC will - they insured me on my learners fully comp and I had no previous insurance with them.

[PrincessBandit]

Yes

In chch you can try golightly insurance services. They insure through Vero. They had a case recently where a restricted rider was taken out through no fault of his own and had his new bike written off. He was on a new bike in a matter of weeks. Phone 0800 800 786.

I'm not sure if this is the best place for insuring for Auckland but give them a ring, they may have contacts up there.

Our 3 bikes are all insured through Dave Golightly and we've found him/Vero to be very obliging. AA wouldn't touch insurance for me while on my restricted despite (ahem) many years of being good customers of theirs and an old nana etc. When I finally got my full they still griped about the fact that I had only been on my full for less than 2 years....what the??? In the end we told them we had three bikes blah blah blah with 2 riders on full licenses and when they were finally ready to negotiate we told them stuff ya, we'll stick with who we're currently with cos they're waaaaaaaayyyy cheaper than you guys! Balu and RipperRoo 92 are both fully covered even though RR92 is still on his restricted.

[rie]

interesting... STATE fully covers me on my MC learners despite the fact that i am a young hoon (lol) and i've never had insurance with them previously. their logic was that i had been driving a car for 8 years and had no accidents that were my fault. very interesting indeed.

some of these positive reviews of MC-specific insurers however make me wonder if i should jump to greener pastures. hm.

[rie]

State have currently turned me down based on my restricted

addendum: when did you call, todd? i made a general inquiry in feb this year and they said (without knowledge of my history or driving experience) that they had no problem with MC restricted licence holders as a general rule...

hope you find a good place in any case :niceone:

[CB ARGH]

I'm on ASB full cover insurance, only had the Learners for about 3 months when I applied. Really cheap too, excess ain't so bad, but let's hope I'll never have to pay it.

Bout $55 a month for my CBR250RR... Good 'ol ciblet. :Punk:

[vindy500]

I had full insurance from AMI on my learners and restricted. I didn't have any trouble at all getting insured.
But, I already had car insurance with them, and I'm old and sensible, so that may have helped. :mellow:

same except im not old :)

[Ragingrob]

I'm sitting here believing that he means on a larger cc bike i.e. his hornet 900... Which as some people have said already is a no, as you'd be breaking the law if you were riding it. Unless they'd maybe still insure ya for fire and theft, just not while you ride it.

I had comprehensive and really cheap cover with State with my 250s and now am with NAC through Kiwibike with a pretty good deal on my 400.

[TOTO]

Damn I'm such an Idiot - the assignments have taken the better of me...


Lets try again:

Can a rider with Restricted licence get a full Insurance cover on a BIG (900cc) bike ????


I missed that little detail with the bold letters...:brick:


P.s. I currently have full comprihensive cover for my 250 :yes: with STATE.

[rie]

ahhhh gotcha. should've realised. i don't imagine you hootling around (your 250) without insurance, todd, you.

[Nagash]

I wouldn't imagine it would be very easy to get full cover on your restricted.. seeing as you wouldn't need full cover.. see as it'd never be on the road..

Yah know?

[TOTO]

Well it a bit of a long shot but who knows.

[Forest]

Can a rider with Restricted licence get a full Insurance cover on a BIG (900cc) bike ????


Without an exemption? No. It will be impossible to get full insurance coverage.

[Ragingrob]

Wait... I think that they probably would insure you, and you can pay the annual premium, and then if you crash still on your restricted, they just wont help ya.

And you'd have to pay for all damages for all involved, cause you would be breaking the law from the start.

How long till your full Todd? Apply for an exemption and see what happens.

[Salival]

I think you may find they'll insure you for it alright, but there will be a clause in the terms and conditions stating that if you're breaching the terms of your licence (driving drunk counts as much as being outside of you CC rating) they'll say sod off.

They'll say no for any reason they can, normally. Insurance companies are the only type of company that have entire divisions dedicated to getting them off doing the job you're paying them for.

</rant>

<plug>
KiwiBike are awesome people to deal with.
</plug>

[TOTO]

No, I can insure it as a full licence no problem, But i'd rather be honest. thats why I am espessially asking if they will insure me on a Restricted. And i'm also recording the conversation if they say yes, so that if stuff happens and then they say "ou sorry ..." I have evidence.

The idea of the whole thing is to be insured legally on the bike. I hate cheeky business.

[Ragingrob]

No, I can insure it as a full licence no problem, But i'd rather be honest. thats why I am espessially asking if they will insure me on a Restricted. And i'm also recording the conversation if they say yes, so that if stuff happens and then they say "ou sorry ..." I have evidence.

The idea of the whole thing is to be insured legally on the bike. I hate cheeky business.

Todd they may "insure" you, but in any crash situation they will just be able to say you were braking the law so they can't help you out.

All insurance policies maintain that you must be following the law, whether they've said they'll insure you or not.

[Forest]

No, I can insure it as a full licence no problem, But i'd rather be honest. thats why I am espessially asking if they will insure me on a Restricted. And i'm also recording the conversation if they say yes, so that if stuff happens and then they say "ou sorry ..." I have evidence.

The idea of the whole thing is to be insured legally on the bike. I hate cheeky business.

With all due respect, it doesn't matter what the guy in the call-centre tells you on the phone.

An insurance policy is a very specific legal contract which explicitly states all of the obligations and responsibilities for both of the contracting parties.

If you read through the insurance contract you will find that riding outside the terms of your license will void the insurance coverage.

There is no way around this, unless you are granted a specific exemption to your license conditions by the NZTA.

[short-circuit]

There is no way around this, unless you are granted a specific exemption to your license conditions by the NZTA.

...Or if (as I said earlier) you got a little help from a friend:whistle:

[TOTO]

You might have a friend on their full license who may want to "own" your bike for a period of time - then they could insure it?

Lol funny idea, but as I said - dodgy deals is not my middle name...

[Ragingrob]

You might have a friend on their full license who may want to "own" your bike for a period of time - then they could insure it?

But he'd still be uninsured as soon as he hopped on the bike.

[short-circuit]

But he'd still be uninsured as soon as he hopped on the bike.

Agreed - and in certain situations you'd be f@#ked - cops turn up, or if he's at fault, or gives out his name...but otherwise...well use your imagination.:scratch:

[roy.nz]

Try Star insurance, they can help...

[Ragingrob]

Agreed - and in certain situations you'd be f@#ked - cops turn up, or if he's at fault, or gives out his name...but otherwise...well use your imagination.:scratch:

Gotcha, gotcha.

:Police:

[TOTO]

Try Star insurance, they can help...

yea , i'll ring around 5 companies tomorrow morning when I wake up. star are on my list.

[PirateJafa]

yea , i'll ring around 5 companies tomorrow morning when I wake up. star are on my list.
Ring Kiwibike.

Being insurance brokers they will check allt he insurance companies for you.

Also, being brokers, they can often get better deals with a insurance company through them than you can by your lonesome.

[Ragingrob]

But Todd I dunno if you're blind to my posts or what today?! But no matter who you talk to, you will never be insured if an accident occurs while you're riding outside of your licence conditions!

[Forest]

But Todd I dunno if you're blind to my posts or what today?! But no matter who you talk to, you will never be insured if an accident occurs while you're riding outside of your licence conditions!

I wouldn't worry about it.

Most of the guys who come here for advice don't really want advice at all. If the responses aren't what they want to hear, they'll just go ahead and do what they were going to do anyway.

It's a complete waste of everyone's fucking time, but unfortunately that's just the way it is.

[TOTO]

Yea, Rob, Forest is right. I am calling insurance companies anyway and i'f I can find it I will get it. Started the thread to find someone who actually has had it. So far noone.

I'f I find a companie that does it , i'll let ya all know :yes:

[Creeping Death]

Started the thread to find someone who actually has had it. So far noone. :yes:

Well there's a reason no-one has had it...read Ragingrobs posts man!!! :oi-grr:

[Oscar]

You might have a friend on their full license who may want to "own" your bike for a period of time - then they could insure it?

Bad idea.
Breaches the principal of "utmost good faith" and full disclosure.

[Oscar]

I wouldn't worry about it.

Most of the guys who come here for advice don't really want advice at all. If the responses aren't what they want to hear, they'll just go ahead and do what they were going to do anyway.

It's a complete waste of everyone's fucking time, but unfortunately that's just the way it is.

Very true.
However, because I'm a sucker for punishment, I'll give it my usual rant:

What is the point of comparing premiums?
On that basis, everyone here would be riding the latest Hyolifansan Intruder GTR...
If you buy by price, you run the risk of being back here at claim time bleating about shitty service. The obvious questions are:


What am I worth to the insurer? In other words do you have any other business with them? In the case of a claim that could go either way, insurers look at other connections (other policies, family or business connections etc).
What is the Insurer worth? Did you check it's financial rating?
Who is the insurer? Several of the most recommended insurers here aren't insurers at all, they're Master Agents or Underwriting Agencies. They don't pay your claim, the insurer does.
What's their claim service like? Ask around, search here or ask an assessor or service dept (Service Managers in bike shops are a great resource).

[Rosie]

Yea, Rob, Forest is right. I am calling insurance companies anyway and i'f I can find it I will get it. Started the thread to find someone who actually has had it. So far noone.

I'f I find a companie that does it , i'll let ya all know :yes:

If you find someone who will give you insurance, make sure you read the policy very carefully.
Just because they have taken your money, does not mean they will accept claims you make.
And, even though you are trying to be open and honest with them, you are riding a bike you aren't legally allowed to, and many insurance policies only cover you when you are riding/driving within your licence conditions.

It is commendable that you are trying to get insurance, just be careful that you don't end up paying for a policy you can't make any claims on.

[TOTO]

If you find someone who will give you insurance, make sure you read the policy very carefully.
Just because they have taken your money, does not mean they will accept claims you make.
And, even though you are trying to be open and honest with them, you are riding a bike you aren't legally allowed to, and many insurance policies only cover you when you are riding/driving within your licence conditions.

It is commendable that you are trying to get insurance, just be careful that you don't end up paying for a policy you can't make any claims on.

You are very right rosie. TAken yr advise on Board :niceone:

[MarkH]

No, I can insure it as a full licence no problem, But i'd rather be honest.

Because not being paid out or being charged with insurance fraud is not what you are wanting to achieve?

[FROSTY]

I think you will find YES you can get insurance cover against theft etc but as soon as you are riding the bike insurance cover will cease.
You will be in breach of your licence requirements.
Its a similar cover to the cover I have on race bikes.

[TOTO]

Because not being paid out or being charged with insurance fraud is not what you are wanting to achieve?

Precisely :laugh: