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View Full Version : It's a bird... it's a plane...



Ocean1
30th December 2008, 11:54
… It’s a Spyder fer fook’s sake.



Hello, welcome to Acme Auto Insurance, my name is Sharlene, how can I help you?

Good morning Sharlene, I want to insure my Spyder.

Certainly, Sir, what capacity is it?

It’s 990cc.

How many doors does it have?

None.

Um… pardon?

None, zero, it’s a sort of hybrid motorcycle/car, it’s got three wheels and you sit on it rather than in it.

Oh. But it’s got seat belts?

No, that wouldn’t be a good idea. I believe one needs to wear a helmet, however.

Er, excuse me for a moment while I check with my supervisor.

Fine.

Hello, Sir, my name is Nigel. We don’t seem to be able to identify this vehicle in our database, who is the manufacturer?

Hello Nigel, it’s made by Can Am, they’re a subsidiary of BRP.

Well they’re not in our database.

I’m concerned to hear that, Nigel. Does that mean you can’t insure it?

Oh no Sir, we offer policies for some of the most rare and special vehicles.

That sounds promising, how do we manage that, then?

Um, I’m not sure. If you give me a moment I’ll talk to my Manager...

...Hello, Sir, my name is Roger, how can I help you?

As I’ve been explaining to Sharlene and Nigel, I want to insure my Spyder.

Yes, I see. Unfortunately we don’t know anything about them.

But I understood that you offer policies for both rare and special vehicles.

Oh, yes Sir, we’re very proud of our outstanding record in tailoring a policy to suit any client.

Well, then, might I ask that you start stitching, Roger.

Yes, Sir. Certainly. There does seem to be a problem, however, in that your vehicle appears not to be in our database.

Yes, we’ve established that, some 20 minutes ago, Roger. How do we get it there?

Ah, I’m not sure. I’ll have to talk to the Managing Director, when he returns from holiday

Great, when’s that?

Well he’s usually back from his Xmas break well before the quarterly board meeting.

The next one being?

March, Sir.

Roger… never mind. Please pass my sincere best wishes to your boss, and ask him to bend you over your desk and violently insert a large pineapple up your rectum. Backwards.

Well, Sir, it seems in this case there’s nothing we can help you with, I’m sorry…

Click.



Hello, welcome to Zenith Motorcycle Insurance, my name is Deborah, how can I help you?

Hello Deborah, I”d like to insure my Spyder please.

OK, what size bike is it?

Look, can I save us both a bit of time? If you were to google “BRP Spyder” the information is all there, OK?

*Waits*

Oh, I see, how weird. Well, I guess we should be able it do that under our standard motorcycle policy. As long as it never leaves the approved designated security facility and no person under 60 yrs old ever lays eyes on it…

Excellent, can you please email me the policy documents and quote.

Certainly, Sir. Can I please have the registration details of the bike?

It’s not registered yet. And when it is it’ll be registered as a car.

Um, pardon?

It’s not a bike for the purposes of registration and licensing, it’s a car.

Er, excuse me for a moment while I check with my supervisor…

Repeat.

Repeat.

Repeat.


Does anyone have any suggestions? (no, not regarding the pineapple).

Gremlin
30th December 2008, 12:03
Isn't it fun having something that can't be put in a conventional box? :lol:

racerhead
30th December 2008, 12:24
Roger… never mind. Please pass my sincere best wishes to your boss, and ask him to bend you over your desk and violently insert a large pineapple up your rectum. Backwards.



:rofl: That was brilliant

Anyway about the insurance issue good luck on finding something because it does seem like a case of round peg in a square hole:doh:

disenfranchised
30th December 2008, 12:31
I can't see why the companies need a specific category.

You tell them that it's a vehicle, it gets ridden like a motorcycle (hence associated risk profile) but is counted as a car (license conditions for policy validity) and is worth $x.

In the event of a claim they can research all they like and re-validate the price etc...but if you never make a claim then that's a whoel lot of administration work saved.

End of the day...$x with appropriate risk etc = policy for $y per month and an excess of $z.

Job done.




Or you could try telling them to treat it as a harley trike or something similar untill they can work it out properly

Ocean1
30th December 2008, 12:34
Closest I've got so far is Classic Cover.

And they require it to be driven by someone with a full motorcycle license.

Not an option.

Slyer
30th December 2008, 12:43
Safety of a bike but the fun of a car.
WHY?

slofox
30th December 2008, 12:43
Get a broker - they can fix anything...for a price...

Slyer
30th December 2008, 12:55
Get a broker - they can fix anything...for a price...
I'm a breaker, I'll break anything...for free...

nosebleed
30th December 2008, 13:02
Closest I've got so far is Classic Cover.

And they require it to be driven by someone with a full motorcycle license.

Not an option.

bit of a long-shot given your previous conversations... but any reason why you need a Full Bike Licence for a vehicle registered as a car?

DingoZ
30th December 2008, 13:24
Closest I've got so far is Classic Cover.

And they require it to be driven by someone with a full motorcycle license.

Not an option.


Don't see how they can demand or require it to be operated by someone who has a motorbike licence when that is not necessary and it's not being registered on the NZ roads as a bike. To legally operate one, the rider/driver operator whatever you want to call them, only according to NZ law requires a Full Class 1 licence. Do not need a motorbike licence, be it a 6l 6r or 6f. So joe average without a class 6 (any stage) can use one, as long as they have a full car licence.

Ocean1
30th December 2008, 13:26
Safety of a bike but the fun of a car.
WHY?

It's complicated. It's as close as SWMBO is ever going to get.


Get a broker - they can fix anything...for a price...

Yeah, my last one was good, but he's dead just now.


bit of a long-shot given your previous conversations... but any reason why you need a Full Bike Licence for a vehicle registered as a car?

None given. That was for nominal bike policy cover though. I've yet to find anyone prepared to cover it as a car.

Ocean1
30th December 2008, 13:28
Don't see how they can demand or require it to be operated by someone who has a motorbike licence when that is not necessary and it's not being registered on the NZ roads as a bike. To legally operate one, the rider/driver operator whatever you want to call them, only according to NZ law requires a Full Class 1 licence. Do not need a motorbike licence, be it a 6l 6r or 6f. So joe average without a class 6 (any stage) can use one, as long as they have a full car licence.

An insurance policy is an agreement, they're not constrained by what LTNZ call it, they simply don't agree to insure it for anyone not holding a bike license.

Ixion
30th December 2008, 13:32
Yeah, my last one was good, but he's dead just now.


Could you wait a while, for him to get undead? I gotta top hat.

EDIT: And a spade.

The Baron
30th December 2008, 13:40
Hi. Can you insure it as a sports car???

YellowDog
30th December 2008, 13:58
Have you checked witht he compliance guys that you can actually register this model?

Ixion
30th December 2008, 14:08
If you can't , Big Dave is in a shit load of trouble!

SILVER SUZI
30th December 2008, 14:09
Who'd you buy it off. I believe they are fairly new to the market (cause I've only seen them in the dealers, not on the road), so if you bought it new, what about the dealer?
Normally when you buy a bike on finance they insist on insurance so maybe finance it................ for a day! Then they'll come up with something.

prettybillie
30th December 2008, 14:22
:clap: hahahahahaha

Ocean1
30th December 2008, 14:39
Could you wait a while, for him to get undead? I gotta top hat.

EDIT: And a spade.

Might yet be the easiest option.


Hi. Can you insure it as a sports car???

Apparently not.


Have you checked witht he compliance guys that you can actually register this model?

There's a few on the roads here already, registered as cars.


Who'd you buy it off. I believe they are fairly new to the market (cause I've only seen them in the dealers, not on the road), so if you bought it new, what about the dealer?

TSS, and yes they're working on it.


Normally when you buy a bike on finance they insist on insurance so maybe finance it................ for a day! Then they'll come up with something.

I don't finance toys. But if I did that simply puts the barrier one step closer.

Ocean1
30th December 2008, 17:12
Closest I've got so far is Classic Cover.

And they require it to be driven by someone with a full motorcycle license.


Good news, apparently a car license is now OK with CC.

Thank fook for that.

roy.nz
30th December 2008, 17:28
Classic......:woohoo:

nico
31st December 2008, 06:03
freeekkkkkkkkkks are always a problem rnt they quite a tricky for insurance i guess id come under the same type insurance as a trike?? think thats a ridricslary(sp) expencive 1 lol

Ocean1
31st December 2008, 07:55
think thats a ridricslary(sp) expencive 1 lol

Compared to what?

More sophistocated technology than a 1k sprotsbike, and there's more of it for about the same price.

Cheaper than a trike-kitted Harley or 1200 touring bike, and it actually has some claims to reasonable performance (0-100km/h in 4.5 sec with higher cornering speeds than a roadbike).


More to the point, in this particular case it fills a market nothing else does.

nico
31st December 2008, 08:38
Compared to what?

More sophistocated technology than a 1k sprotsbike, and there's more of it for about the same price. not doubtin that must be some trickd out bits to make it work

Cheaper than a trike-kitted Harley or 1200 touring bike, and it actually has some claims to reasonable performance (0-100km/h in 4.5 sec with higher cornering speeds than a roadbike). unsure harly's trike just sound expencive


More to the point, in this particular case it fills a market nothing else does.
did this market need to be filled my question is how many of these will be sold to non biker riders ie just a full car lience ? with no bike training i know they not the same as a bike but shurly it would be similar and wen that person crashes bikes get the bad rap? just my .02c you can probally tell i dont really like em

Ocean1
31st December 2008, 08:53
did this market need to be filled my question is how many of these will be sold to non biker riders ie just a full car lience ? with no bike training i know they not the same as a bike but shurly it would be similar and wen that person crashes bikes get the bad rap? just my .02c you can probally tell i dont really like em

My guess is a lot of them will be sold to people who can't ride bikes. I'm aware of at least two that've been sold to experienced bikers with injuries that prevent them riding.

As far as riding experience goes I can tell you that the last thing you want on one of these is pre-learned bike reactions. It does my head in, the initial shape-up for a corner is totally wrong and I can't stop grabbing for the front brake.

Just because both cars and bikes have evolved to quite a narrow spec' doesn't mean there's not viable alternatives, dude. And if one of them crashes the blame lies with exactly the same person as applies to anything else: the pilot.