A warning to all

[lucksgottachange]

Hi guys I watch these threads quite a bit but have never posted. I thought I would post this about an Insurance company that I'm having a world of problems with NAC.

Now here is the first problem I signed up with Insurance with who was the cheapest, I have not claimed in Ten Years so thought going for the cheapest would be the best way to go.

Well I was wrong I crashed my bike from gravel on the Road as it is alot of the time of year. I will be honest and on claim form I said I was doing 100 kph round a posted 75 corner:shifty: and thought o well at least I have cover, I have a full license and never had it suspended and when I took the bike into the shop they asked who my Insurance company was I said NAC they said good luck having your bike back quickly as one of there other NAC had been waiting more than 2 months for work to start on his bike.

Now with Riding weather not lasting long enough there is no way I would want to wait that long so I get a claim form and fill out it completly, I send it through and call them up and they confirm they got it and they will get in contact with the shop. Thought cool this will be easy, go to the bike shop to follow up on the bike 3 weeks later still sitting off to the side waiting for approval from the Insurer so I call up and try and light a fire under NAC.

At this time they say they don't have a claim form so I resend it and confirm receipt and ask for an email at this time to confirm receiption and so that they can't wessel out,

Well it's 2 weeks down the track and they have yet to approve the claim but have sent me out a renewal which I refuse to pay as I still don't have a bike to insure over 5 weeks after the Accident and I'm not sure that they will pay out because I was going faster than the posted speed and have said that my speed may have caused the crash

A couple of Questions

1 Will it effect my claim if I don't renew.
2 Can an insurance company decline a claim if I didn't get charged by the Cops
3 What can I do to speed it up
4 I talked to Kiwibike Insurance and they said I could go through them to Star what do people think of both companies.

[R6_kid]

I'd hazard a guess and say that you still would have crashed if you'd gone through at 100kmh. NAC are just being lazy, there is another thread on here from a guy who was told by one of their reps that he shoudnt ride his bike on the road as it was 'expensive'...

Kiwibike are a bloody good bunch, they are the only company that took me on as I have a crap history, Dave is a biker, and a bloody nice guy, and will make sure that you will never recieve the sort of bullshit treatment that you are getting from NAC.

In fact, Kiwibike acted so quickly that in one instance a member on here managed to write off two ZX-10R's within 3 weeks (his original and a replacement from the insurance payout), he now has the third one, still in one piece last time i checked!

[vifferman]

1. Dunno - probably not
2. I don't think they have reason to decline your claim - it's got nothing to do with whether you were going faster than the recommended speed, as you were at fault anyway (no other party involved).
3. Keep hassling them - phone them every day.
4. Kiwibike are excellent.

[firefighter]

Your all good dude, if you were in a 100km area and took a 75 posted corner at 100 it doesn't matter, they are only a suggested speed not compulsory speed.(unless your bike doubles as a logging truck)
Write them a letter not too threatening but mentioning the Small Claims Court, I bet you'll get approval very quickly as the mitigator will more than likely make them pay for the rental of a motorbike for the time you've had to wait due to their blatant lack of action (this very thing happened with my brother so I speak the truth, in fact it's so similar it's scary!)

Also, if you go to insure with star or swann, go through a broker, you will get it cheaper, I literally yesturday phoned swann directly, was quoted $485 a year for full cover, with a 10% surcharge for paying monthly, I then phoned kiwibike straight after, and now pay $320 for full insurance and no surcharge for monthly payments, oh yeah and the lady from swann was a bitch (she really fucken was a dirty dumb bitch), kiwibike staff were very friendly and helpful, pretty funny considering they're under-written by swann, swann must hate people dealing with them directly or something?!!!

[BOGAR]

[QUOTE =lucksgottachange;1759939] I will be honest and on claim form I said I was doing 100 kph round a posted 75 corner:shifty: QUOTE]

Its is a posted limit not a legal one i.e it is only a recommended speed limit that is there for all road uses. as long as you were in a 100km zone you should be ok.
Good Luck.
Just about to change my insurance from NAC to Kiwibiker.

[raftn]

Kiwi Bijer are good guys, i strongly recommend them.

[mnkyboy]

Kiwi Bijer are good guys, i strongly recommend them.

+1

Spoke to Rebecca last night at KB to organise some insurance - was the easiest 7 mins I've spent on the phone to any company.

[sinfull]

I then phoned kiwibike straight after, and now pay $320 for full insurance and no surcharge for monthly payments, oh yeah and the lady from swann was a bitch (she really fucken was a dirty dumb bitch), kiwibike staff were very friendly and helpful, pretty funny considering they're under-written by swann, swann must hate people dealing with them directly or something?!!!
I guess thats what brokers are all about ! They would put a fair amount of money into swanns coffers, they'd get the hell deal and look out if they reneg on one of daves policies haha i'd say he'd have a few companies that would love to have the work that comes his way !

[smokiesam]

After buying a near new bike thought I better get full insurance as only had 3rd party prior through state. Rung state to get a quote found my car was insured twice and I was not getting discount for having my house and contents with them as they are though the bank but still state. Rung KB more than helpful great price and so easy. State no longer has any of my business well done KB.

[Gremlin]

Go speak to Kiwibike...

Both bikes I have had with them so far have been insured before I have even picked them up, with a temporary cover.

They make it easy, and only deal with good quality companies.

[bully]

to good for that man, star are assholes too.

[jrandom]

In fact, Kiwibike acted so quickly that in one instance a member on here managed to write off two ZX-10R's within 3 weeks (his original and a replacement from the insurance payout), he now has the third one...

Just don't ever try mentioning that gentleman's name to Star Insurance in the same sentence as "list as a rider on my policy..."

:lol:

[kiwifruit]

star are assholes too.

-1
Star insurance are very good in my experience.
John baker and Star have provided excellent service to me.

[jrandom]

Spoke to Rebecca last night at KB...

She spells it 'Rebekah'.

:love:

[madmal64]

Might be worth sending a PM to KoroJ
He may be able to help

[firefighter]

+1

Spoke to Rebecca last night at KB to organise some insurance - was the easiest 7 mins I've spent on the phone to any company.

haha, was about the same amount of time for me too, easiest insurance cover iv'e ever had!

[jetboy]

-1
Star insurance are very good in my experience.
John baker and Star have provided excellent service to me.
On a side note, have you got a new bike yet mate?

[mnkyboy]

She spells it 'Rebekah'.

:love:

Does she know of this care and concern?

:blip:

[kiwifruit]

On a side note, have you got a new bike yet mate?

Yes, I've got a (fully sponsored, and already insured) GSX1400K7 :D

[Phurrball]

-1
Star insurance are very good in my experience.
John baker and Star have provided excellent service to me.

+/- 1

Star were excellent in most respects, until a certain very difficult claims officer (with whom I clashed) became involved.

I'm not prepared to slag anyone off in an open forum when it is a matter of opinion based on one 'bad apple'. The rest of the Star team were a pleasure to deal with.

NOTE I would recommend them unless you had to deal with this claims officer, which I'm sure could be avoided if needs be.

But that is just my opinion.

I'm with HRC now, as they have unbeatable deals for Hondas.

[Dodgyiti]

A lot of insurance companies have an unwritten law that says something like 'The longer they wait, the less they will accept'
Transportation companies have the same policies, some say:' 8 weeks for a resolution because we are very busy' is a standard claim. Makes some of the smaller claiments go away or accept a lower payout when held to ransome for a few months. Works a treat.

BTW- Sorry to hear about your troubles, it's not a nice thing to go through.

My evil stepfather worked in insurance for 35 years and spilled a few secrets from time to time. Nasty old proffession that one.

[swbarnett]

I was going faster than the posted speed
It is my understanding that the posted corner speed is a guide for wet weather only, not a legal speed limit.

[CRF119]

Do Kiwibike insure dirt bikes to? Also have to insure my road bike as state refuse to, but they are the only ones who will insure my van other then click on NAC.

[Oscar]

A couple of Questions

1 Will it effect my claim if I don't renew.
NO
2 Can an insurance company decline a claim if I didn't get charged by the Cops
Yes, they can, but the reason has to be material (to the accident). They could have a go at you about the posted recommended speed.
3 What can I do to speed it up
Call them on a regular basis, be polite but firm. The squeaky wheel gets the oil.
4 I talked to Kiwibike Insurance and they said I could go through them to Star what do people think of both companies.


In respect of the last question, and all the other usual comments about this company being great and that company being cheap, I'll post my usual rant (actually copied from the last insurance thread):

What is the point of comparing premiums? What's the old quote about a the buzz of a bargain fading fast in the face of shoddy goods...?

If you buy by price, you run the risk of being back here at claim time bleating about shitty service. Insurance isn't a product, it's a service, and the only service it delivers is at claims time (I can't believe the guy who recommended an insurer on the basis that it provided a cover note - that's what they do people...).
The obvious questions are:

1.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 do look at other connections (other policies, family or business connections etc).

2. What is the Insurer worth? Did you check it's financial rating?

3. Who is the insurer? Most of the recommended insurers here aren't insurers at all, they're Master Agents or Underwriting Agencies. They don't pay your claim, the insurer does.

4.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 source of unbiased opinion).

5. Now ask what the premium is.

On an actuarial basis, all insurers are dealing with the same population of bikers and the only risk variables they have are their underwriting restrictions (riders age, bike size etc). But the main way the premiums will differ are volume, claims and services standards. Therefore, the risk of a cheap premium is that it is based on bad/slow service and a claims avoidance culture (this of course may be a harsh generalisation as the price good be based on super efficient staff/systems and low profit margins - yeah, right).

[HenryDorsetCase]

Hi guys I watch these threads quite a bit but have never posted. I thought I would post this about an Insurance company that I'm having a world of problems with NAC.

Now here is the first problem I signed up with Insurance with who was the cheapest, I have not claimed in Ten Years so thought going for the cheapest would be the best way to go.

Well I was wrong I crashed my bike from gravel on the Road as it is alot of the time of year. I will be honest and on claim form I said I was doing 100 kph round a posted 75 corner:shifty: and thought o well at least I have cover, I have a full license and never had it suspended and when I took the bike into the shop they asked who my Insurance company was I said NAC they said good luck having your bike back quickly as one of there other NAC had been waiting more than 2 months for work to start on his bike.

Now with Riding weather not lasting long enough there is no way I would want to wait that long so I get a claim form and fill out it completly, I send it through and call them up and they confirm they got it and they will get in contact with the shop. Thought cool this will be easy, go to the bike shop to follow up on the bike 3 weeks later still sitting off to the side waiting for approval from the Insurer so I call up and try and light a fire under NAC.

At this time they say they don't have a claim form so I resend it and confirm receipt and ask for an email at this time to confirm receiption and so that they can't wessel out,

Well it's 2 weeks down the track and they have yet to approve the claim but have sent me out a renewal which I refuse to pay as I still don't have a bike to insure over 5 weeks after the Accident and I'm not sure that they will pay out because I was going faster than the posted speed and have said that my speed may have caused the crash

A couple of Questions

1 Will it effect my claim if I don't renew.
2 Can an insurance company decline a claim if I didn't get charged by the Cops
3 What can I do to speed it up
4 I talked to Kiwibike Insurance and they said I could go through them to Star what do people think of both companies.


the corner is "recommended" at 75. That is not a requirement and has no legal force. Ergo the speed limit was (presumably) 100kph which you were obeying. The cause of the accident is gravel on the road which you didnt or couldnt see and which caused you to fall off. It seems to me that is entirely the reason you have insurance and there is NO ability for them to decline the claim.

You need to find out the name of whoever is the boss of their claims departmentm and bombard them with correspondence. Do not ring them, request specific timeframes (when will you accept my claim? When will an assessor be sent? when will the shop be given the go ahead? then you need to write to them confirming that advice. You also need to drop the name of the insurance ombudsman and Fair Go. (perhaps not in the initila correspondence but fairly early on.

Make it easier, quicker and cheaper for them to pay you than to not. Be polite, but insistent.
and if push comes to shove (it will)

[scumdog]

It is my understanding that the posted corner speed is a guide for wet weather only, not a legal speed limit.

Wrong.
But can't be naffed going into it.

(But you are right about it being 'not the legal speed limit'.)

[Sparrowhawk]

Wrong.
But can't be naffed going into it.

(But you are right about it being 'not the legal speed limit'.)

Just to clarify Scummy, is the 75 km/h a recommended limit for comfortable driving? And you can take that corner at any speed you're comfortable with, as long as you're below the actual speed limit (eg 100 km/h)???

[scumdog]

Just to clarify Scummy, is the 75 km/h a recommended limit for comfortable driving? And you can take that corner at any speed you're comfortable with, as long as you're below the actual speed limit (eg 100 km/h)???

It is actually aimed at HMVs, so if the speed limit is 100kph then by the laws of NZ you can go around that corner at 100kph.

Of course in the wrong circumstances the laws of physics may beg to disagree......

[Sparrowhawk]

It is actually aimed at HMVs, so if the speed limit is 100kph then by the laws of NZ you can go around that corner at 100kph.

Of course in the wrong circumstances the laws of physics may beg to disagree......

Sorry to be a dumbass, what's an HMV? :confused:

I agree about the law of physics though. There are times when even the recommended speed's too quick. Most of the drivers here in jafa-land have never had to worry about the low grip situations; snow, ice, black ice is the worst. I'm bloody glad I learnt to drive in central otago. There have been a few times since I got to auckland that I've hit wet paint, or aqua-planed, and I've just handled the cage sliding by instict. I learnt to drive on the crown range.

Big issue, like this thread, is when it's been icy, and they've laid grit on the road. Then up to a week later, the cage tyres have pushed all the grit into the middle of the lane. Then when a bike comes round a corner, and takes the 'right' line through, front wheen hits the grit :doh:

I had a mate at school that dropped his XR185 doing 70k on a 70k corner on the way out to macandrew bay. Only reason he didn't go for a swim in the otago harbour is coz he hit a fence. :pinch:

[mnkyboy]

Sorry to be a dumbass, what's an HMV? :confused:



Heavy motor vehicle

[Owl]

I think you're getting ahead of yourself #1. There's nothing in your post to indicate they are likely to deny your claim. Keep in contact with them and give them a push.
I had a claim with NAC 6 months ago and the service I recieved was nothing short of flawless, though I was dealing through a broker. Every hold up I had was entirely due to the two bike shops. One supplying parts and the other making repairs.

[Matt_TG]

Sounds to me like a drop in communication between parties I wonder if we'll hear anything back from the original poster before we get to 5 pages of KB comment. Maybe NAC are also waiting for a response to something?

There's nothing stopping the bike shop pricing up the job, they don't need approval to do that. Then send NAC the quote asking for approval.

[Mom]

Have nothing really to add apart from a dumb question. Who is NAC? Yes I know an insurance company, but I have never heard of it.

[Matt_TG]

NAC is a part of IAG (State / NZI etc). They specialise in vehicles as opposed to offering house and contents etc.

http://www.nac.co.nz

[Ragingrob]

NAC = National Automobile Club.

Here's a question :

There's been a lot of talk of Kiwibike and how great they are, well as they are brokers they deal through other insurance companies... I am insured with NAC through Kiwibike, does this mean my claim and all is dealt with between me and Kiwibike and only Kiwibike deals with NAC?

[MidnightMike]

I had a claim with NAC 6 months ago and the service I recieved was nothing short of flawless.

I agree 100%

I wrote of my SV after only having it for a few weeks.

Excellent service, fast resolution.

Maybe you should contact someone higher up in the ladder if your habing problems?

[firefighter]

It is actually aimed at HMVs, so if the speed limit is 100kph then by the laws of NZ you can go around that corner at 100kph.

Of course in the wrong circumstances the laws of physics may beg to disagree......

Huh? I thought it only related to logging trucks as being the max speed for the corner? Or is it all articulated vehicles, and not heavy rigid vehicles? (I should know this holding my Class 4 lol- well I thought I did!)

[Owl]

NAC = National Automobile Club.

Here's a question :

There's been a lot of talk of Kiwibike and how great they are, well as they are brokers they deal through other insurance companies... I am insured with NAC through Kiwibike, does this mean my claim and all is dealt with between me and Kiwibike and only Kiwibike deals with NAC?

Pretty much, yes! My claim was a little different because I offered to source some aftermarket parts that the bike shop couldn't and do some repairs myself. My broker would forward e-mails to the accessor and replies would come back to me. It worked well!:niceone: