That's it..

[James Deuce]

I've had enough of F__king motorbikes.

I can't get theft cover for the bike.

I'm fucking selling it.

[Paul in NZ]

I've had enough of F__king motorbikes.

I can't get theft cover for the bike.

I'm fucking selling it.

Eh?

You can't fully insure it? Why not??

Buy a Moto Guzzi 'cos they don't get stolen much and if they do you just need to go round up a few of the local mentally deranged street people as one of them will have mistaken it for a bridge and be sleeping under it.

Paul N

[James Deuce]

The only theft cover I can get is if the bike was stolen out of a locked garage at my residential address, and it has to be chained. Oh, and I have to be at the house when the bike is stolen. It can't be "unattended" when it's taken.

I've rung all the motorcycle insurers this morning, and they all say the same thing.

[Will]

:spudwhat: Are you trying to insure a Harley, rather than the 600?

We are with John Baker Insurance ph 0800 65 6264. Have you tried them? :niceone:

Would hate to see you give up your bike.

[Rainbow Wizard]

The only theft cover I can get is if the bike was stolen out of a locked garage at my residential address, and it has to be chained. Oh, and I have to be at the house when the bike is stolen. It can't be "unattended" when it's taken.

I've rung all the motorcycle insurers this morning, and they all say the same thing.

I reckon you've done us all a service by bringing that out in the open, there MUST be an alternative, some insure that will give theft cover provided the bike is left with some after-market anti-theft device operational e.g. alarm, wheel/brake lock or chain etc.

We could suss out the company offering the best deal, get EVERYONE to shift their bike insurance to that company THEN en-mass, threaten to cancel unless they extend their policy to cover theft under such circumstances.

Power to the people I say.

[Coyote]

Full insurance for a dirt bike on a trailer only covers the trailer and the cage fully flipping over and stratching the bike.

[Oscar]

Full insurance for a dirt bike on a trailer only covers the trailer and the cage fully flipping over and stratching the bike.

Common misconception. You can get full cover on a dirt bike, even an unregistered one - it just won't be covered for competition.

[Coyote]

Common misconception. You can get full cover on a dirt bike, even an unregistered one - it just won't be covered for competition.
We wanted it covered for when the bike was in transit. We knew we wouldn't be able to get cover for competition. We were led to believe the insurance would pay for if one of the tie downs failed and the bike fell off the tralier and down the road. But the bike must be secured to get the insurance money, that means we would only be covered for the tralier and cage going off the edge of a cliff or doing a somersault and not making it. Plus the bike must be secured in a garage in your own property, then stolen to get your insurance money, and they won't pay if the bike is taken off the tralier by a theif then taken because then the bike is not secured to the tralier in the first place

[sedge]

Um... Full cover is full cover isn't it ?... Mine covers theft, fire etc... Just not nuclear fallout, track use, war or terrorist attack... Heh heh lucky they don't know what I'm building in the garage :).

Third party on bikes had no fire or theft included, they said they just didn't do it.

But, when I asked really nicely they said they would cover the bike for fire and theft while it was in the garage locked up and not being used. This is what they called a restricted policy and didn't cost much more than third party. I went with full cover anyway.

Surely you could work something out with them ?

Sedge.

[James Deuce]

Um... Full cover is full cover isn't it ?... Mine covers theft, fire etc... Just not nuclear fallout, track use, war or terrorist attack... Heh heh lucky they don't know what I'm building in the garage :).

Third party on bikes had no fire or theft included, they said they just didn't do it.

But, when I asked really nicely they said they would cover the bike for fire and theft while it was in the garage locked up and not being used. This is what they called a restricted policy and didn't cost much more than third party. I went with full cover anyway.

Surely you could work something out with them ?

Sedge.
No I can't. The general Insurance industry are moving away from full cover for bikes by the looks of things. The only ones left who do it are AMI. State will if you have a long term history with them. I don't. Just got a good quote from AMI, and I have another lead to check out.

I will report back when I have more details.

[Joni]

Damn Jim.... that is really pathetic!
Just dont sell the bike yet - just re-ask the questions before you make a big decision like that... There is a way... just find it mate!

Im sorry to hear this...

:spudwhat:

[Oscar]

We wanted it covered for when the bike was in transit. We knew we wouldn't be able to get cover for competition. We were led to believe the insurance would pay for if one of the tie downs failed and the bike fell off the tralier and down the road. But the bike must be secured to get the insurance money, that means we would only be covered for the tralier and cage going off the edge of a cliff or doing a somersault and not making it. Plus the bike must be secured in a garage in your own property, then stolen to get your insurance money, and they won't pay if the bike is taken off the tralier by a theif then taken because then the bike is not secured to the tralier in the first place

Actually, most of those policies say "...collision or accident to the vehicle conveying..", so I wouldn't rely on it to cover a broken tie down.

[Paul in NZ]

Without checking or getting into another insurance argument with Oscar...

I think I had a similar problem with my kayaks? I can't quite remember but I have them insured as a pleasure craft so they are covered if they fly off the car and get bent... Or bend something else.

Can't remember what happens if they get stolen on the beach - must check...

But Oscar - What about jims problem (no not that one, it's hereditary :niceone: ) Are the insurance companies moving away from full cover as described and why? I don't think we have a huge bike theft problem here? Do we?

Paul N

[Oscar]

Without checking or getting into another insurance argument with Oscar...

I think I had a similar problem with my kayaks? I can't quite remember but I have them insured as a pleasure craft so they are covered if they fly off the car and get bent... Or bend something else.

Can't remember what happens if they get stolen on the beach - must check...

But Oscar - What about jims problem (no not that one, it's hereditary :niceone: ) Are the insurance companies moving away from full cover as described and why? I don't think we have a huge bike theft problem here? Do we?

Paul N

I haven't heard of any big theft problem, certainly not any more than usual.
On the contrary, I've seen several new motorcycle insurance schemes launched in the last year or so.

The bottom line with motorcycle insurance is that the mainstream insurers don't want it. At best, they consider it an "accomodation line" - a cover you only offer to existing customers.

Sometimes, they just don't want your business...

The specialist insurers like Classic Cover pick the eyes out of the market. They only want the older riders with the high value bikes - they know these do much lower K's and are a much lower risk.

What you guys have to realise is that there's no such thing as a average motorcyclist. Insurers base their underwriting on several factors including age of rider, type and size of bike, riding/claims history and other business held. So a forty year old with a Harley is as scary to them as a twenty year old with a CBR600, but for different reasons. I know several underwriters who regard Harley's as uninsurable, yet one scheme specialises in them.


If I had to guess, I'd say Jim's problem stems from trying to insure a Jap Sports Bike so soon after a claim (of course I may be wrong).

These factors also make comparison of insurers impossible. If I say "I dealt with Fred from Ripoff Insurers and he was great.." it means little unless you know that I'm 44 and have insured a KTM.

Finally, let's not kid ourselves guys. We like motorcycles because they go fast...we can bleat all we like about cage drivers, insurance companies and traffic cops, but WE are the minority here. I always find it interesting that the guys who like to tell me about their latest wheelie/ speeding ticket/stunt/get off are the same idjuts that compalin long and loud about cops/insurance and car drivers.

We are a small fast moving dot in the average drivers mirror, doing something that they neither like or can relate too and almost certainly fear...be careful out there.

[FROSTY]

Jim --try national auto club 0800501508. Ohh and just to piss ya orf--my bikes are all insured -costs me five hundy a year

[Oscar]

Jim --try national auto club 0800501508. Ohh and just to piss ya orf--my bikes are all insured -costs me five hundy a year

That appears to be a premium rate of 50% of the market value...hehehehe

[James Deuce]

All I'm whinging about is getting a letter in the post dropping theft cover unless I sleep chained to the bike, and promise never to ride it anywhere unless I return home the same day without stopping anywhere. With my claim they were fantastic, apart from the time required to settle.

The subsequent investigation about cover elsewhere revealed that very few insurers will cover for theft without prohibitive conditions, that effectively mean that you aren't covered unless you are home with your bike. Cunning plan to ditch the unskilled old guy who falls off all the time.

AMI will do full cover inc. theft with a $1000 excess for theft and $300 for accident or fire. Premium is pretty good too.

Will call Classic on Monday.

[James Deuce]

Jim --try national auto club 0800501508. Ohh and just to piss ya orf--my bikes are all insured -costs me five hundy a year

;) What Oscar said.

They won't cover for theft from anywhere other than my locked garage.

Doesn't need to be "chained" though.

[Oscar]

All I'm whinging about is getting a letter in the post dropping theft cover unless I sleep chained to the bike, and promise never to ride it anywhere unless I return home the same day without stopping anywhere. With my claim they were fantastic, apart from the time required to settle.

The subsequent investigation about cover elsewhere revealed that very few insurers will cover for theft without prohibitive conditions, that effectively mean that you aren't covered unless you are home with your bike. Cunning plan to ditch the unskilled old guy who falls off all the time.

AMI will do full cover inc. theft with a $1000 excess for theft and $300 for accident or fire. Premium is pretty good too.

Will call Classic on Monday.

Classic require a "secondary theft device". My understanding is that that includes a steering lock.

[Skunk]

Classic require a "secondary theft device". My understanding is that that includes a steering lock.Correct. I'm covered by them. Two locks. Steering lock counts as one. Chain or disc lock counts as second. Otherwise it's not covered for theft. And they cover for track days (untimed events).

[Cajun]

we have well over $100k worth of bikes insurance thru john baker, costs just over 2000 for all bikes, with all 6 people in the family covered on all the motorcycles.

This is for full cover, full replacement for new bikes 2 years or 20,000kms which ever comes first, there is no condtions about theft in the policy

This policy is under my father in law, who gets the special uylsses discount. We have never had the need for a claim as of yet for the 5 years of being with them. They premiums arn't to bad unless you ride a harley.

I have heard some good things about protector and they say they specialish in motorbikes

Good luck with Jim, hope ya find something to suit you quickly, and cheap (c:<

[James Deuce]

we have well over $100k worth of bikes insurance thru john baker, costs just over 2000 for all bikes, with all 6 people in the family covered on all the motorcycles.

This is for full cover, full replacement for new bikes 2 years or 20,000kms which ever comes first, there is no condtions about theft in the policy

This policy is under my father in law, who gets the special uylsses discount. We have never had the need for a claim as of yet for the 5 years of being with them. They premiums arn't to bad unless you ride a harley.

I have heard some good things about protector and they say they specialish in motorbikes

Good luck with Jim, hope ya find something to suit you quickly, and cheap (c:<


Protecta are a nightmare - they'll cover you but heaven help you if you hit a GT3. You'll be paying 20% of the value of the other vehicle as excess if you write it off and it's your fault.

[riffer]

Gee mate, this post fair gave me the shits.

I've just checked my policy. I have a Motorcycle Policy with AMI.

AMI Premium $27.55
Fire Service Levy $0.49
Goods & Services Tax $3.51

Total monthly payment $31.55

Here's some crap to read:

Particulars of Insured Vehicle
1987 Yamaha FZR 750cc

Purpose of Use
Private

Cover
Market Value

The following sections of your Motorcycle Policy apply
Cover for your motor cycle
Cover for additional costs
Bonus cover
Cover if you damage other people's property (legal liability)

Bonus cover - if you buy a replacement motor cycle we will automatically provide temporary cover for up to 7 days on the same terms that applied to the motor cycle you are replacing.

Drivers and Excess applicable
You must contribute the amount shown below towards the cost of any claim for loss of or damage to the Insured Vehicle:

Excess on Fire Claims $300
Excess on Theft, Conversion or Malicious Damage Claims: $550

All other claims, if the driver or person in charge is:
S Gotlieb $300

Cover does not apply if the driver or person in charge of the Insured Vehicle is not specifically named on this schedule

No Cover if your motorcycle is:
1) let out on hire, or
2) being used to carry fee-paying passengers, or
3) being tested for, or taking part in, any form of racing, pace-making, reliability tral, speed test or similar motor sport event, demonstration or test.

There is no cover for any loss or damage caused, directly or indirectly, by the following events:
1) war, invasion, act of foreign enemy, hostilities (whether or not war is declared), civil war, rebellion, revolution, insurrection, military or usurped power, or
2) radioactive material or its use, the existence or escape of any nuclear fuel, material or waste, or
3) confiscation or destruction by the order of Government or by any person or body legally authorised to seize, confiscate or destroy your motor cycle.

There is no cover for accidents involving drugs or alcohol
No cover for unlicenced riders
No cover for riders under 25
No cover for unsafe motorcycle
No cover for loss of income or additional costs that you incur from not having the use of your motor cycle

No cover for:
1) wear and tear, depreciation, or corrosion, or
2) any existing or inherent defect
3) any damage to the engine, transmission, mechanical, electrical or electronic systems due to their own failure, or any loss or damage which their failure may cause to the rest of these systems, or
4) any tyre damage caused directly or indirectly by braking, punctures, road cuts or bursts.

[riffer]

In case it slipped by you, there is no mention of having to have it chained and locked up and only covered for theft in your place of abode.

[James Deuce]

In case it slipped by you, there is no mention of having to have it chained and locked up and only covered for theft in your place of abode.

What's with the sarcasm? My current insurer is Westpac not AMI.

IF you read up above you'll see that I've been to AMI this morning, and after an hour long interview, they agreed to the terms I typed further up in the thread.

The critical financial details on my proposal read:

Yearly premium: $557

Excess on Fire Claims $300

Excess on Theft, Conversion or Malicious Damage Claims: $1000

All other claims, if the driver or person in charge is J Walsh: $300

So I'd better get saving that $1000 dollars, so I can at least get a bike for the same value as the one I have now when my current one is stolen.

The other good news is we got better House and Contents quotes from the other 3 Insurers we spoke to about that this morning, so Westpac are losing all our business, plus we're refinancing the mortgage we have with Westpac with another bank. All over a stupid clause they added to the bike insurance.

More stress, but UP YOURS WESTPAC.

[riffer]

What's with the sarcasm? My current insurer is Westpac not AMI.

Sarcastic? Not me. :spudwhat:

I was trying to impress your point that AMI don't expect you to never be more than half a day's ride from home. At least they'll pay out for theft.

But I still don't get why they quoted you a grand for theft. That's just ridiculous. :angry2:

I had the same problem with my twin-turbo Subaru. Is it because Suzukis are more likely to get stolen?

Maybe its because no-one in their right mind would want to steal my bike...

[riffer]

So I'd better get saving that $1000 dollars, so I can at least get a bike for the same value as the one I have now when my current one is stolen.

Ok this one is sarcasm this time - why do you think someone's going to steal your bike?

[James Deuce]

Ok this one is sarcasm this time - why do you think someone's going to steal your bike?

Hah-hah

I'm a walking example of Sod's law. Now that there's been issue with theft cover, the bike's days are numbered.

[riffer]

Hah-hah

I'm a walking example of Sod's law. Now that there's been issue with theft cover, the bike's days are numbered.

When was the last time you got out for a decent ride fella?

Sounds like you got cabin fever...

Give me a call for some interesting news on our domestic front.

[MOTOXXX]

I havent read through the entire thread as im in a hurry so i dont know if uve tried these but have you tried national auto club and or star insurance?

hope u find something jim2

[James Deuce]

I havent read through the entire thread as im in a hurry so i dont know if uve tried these but have you tried national auto club and or star insurance?

hope u find something jim2

NAC won't cover me for theft as I said to Frosty. Never heard of Star. I'll try them on Monday too.

[Paul in NZ]

I'm a walking example of Sod's law.

Well you are at least half right....


Now that there's been issue with theft cover, the bike's days are numbered.

Well if you will insist on telling the insurance company that you park the bike between the Mongrel Mob and Hells Angels HQ's with a Harleys Suck and a National Front Rulz sticker on the tank no wonder...

Paul N

[StoneChucker]

I don't know what all the fuss is about. I just made a claim (wasn't a right off mind you), and they haven't said anything, or increased anything. I do however have a $1500 excess, for anything (fire, theft, accident or harikari)

[James Deuce]

I don't know what all the fuss is about. I just made a claim (wasn't a right off mind you), and they haven't said anything, or increased anything. I do however have a $1500 excess, for anything (fire, theft, accident or harikari)

The fuss is that I can't get theft cover for 600cc 5 year old Sports Tourer. How the hell do you expect to be able to own a bike if you can't get it replaced if it got stolen?

You have a $1500 excess because your bike is worth the better part of $20k, and you're under 30. My bike is worth $7k. I don't see how that warrants exclusion from theft cover or a $1000 theft excess.

It's probably no fuss for you because you don't have a mortgage, kids, a student loan, and the need to replace the car this year. All on one income.

[StoneChucker]

The fuss is that I can't get theft cover for 600cc 5 year old Sports Tourer. How the hell do you expect to be able to own a bike if you can't get it replaced if it got stolen?

You have a $1500 excess because your bike is worth the better part of $20k, and you're under 30. My bike is worth $7k. I don't see how that warrants exclusion from theft cover or a $1000 theft excess.

It's probably no fuss for you because you don't have a mortgage, kids, a student loan, and the need to replace the car this year. All on one income.
Sorry Jim, I badly conveyed the meaning of my post :confused: What I meant is, how can they make it so difficult to get theft coverage, and standard theft coverage at that! It's a pretty big part of insurance, I wouldn't keep my bike if I wasn't covered either. Hope you sort it out. If you want to go for a ride and chill, I'm always available.

[James Deuce]

Sorry Jim, I badly conveyed the meaning of my post :confused: What I meant is, how can they make it so difficult to get theft coverage, and standard theft coverage at that! It's a pretty big part of insurance, I wouldn't keep my bike if I wasn't covered either. Hope you sort it out. If you want to go for a ride and chill, I'm always available.

Jeez wayne.

I thought you were being a bit harsh!

Rgr the ride - I'll be out the door about 7am so I can get a ride in before Heather has to go out.

That will be too early for most normal people I suspect, so I'll probably see you at Caltex on the way back from the Flying Fish :)

[trev]

Well you guys have all pissed me off !!!

I told my broker (who insures my company vehicles, project insurance etc. etc.)
to organise my bike insurance.
They put me with Star & my excess is $2,000 ( theft only ) & my premium was $878 AND they told me I was getting a good deal coz I'm an old prick.

Diary Note : Irate phone call Monday morning.

[James Deuce]

Well you guys have all pissed me off !!!

I told my broker (who insures my company vehicles, project insurance etc. etc.)
to organise my bike insurance.
They put me with Star & my excess is $2,000 ( theft only ) & my premium was $878 AND they told me I was getting a good deal coz I'm an old prick.

Diary Note : Irate phone call Monday morning.
Oops! Sorry Trev. Didn't mean to drag anyone into my "world" if you know what I mean.

[Skyryder]

We are a small fast moving dot in the average drivers mirror, doing something that they neither like or can relate too and almost certainly fear...be careful out there.

And that's the ones who bother to 'look' in their rear mirrows.

Skyryder

[Biff]

Farq Jim this stinks.

I am really astounded to hear that you're having such a hard time getting full theft cover. What the hell kind of service do these fuckwit insurance companies think they are offering?!

I wish I could offer some useful advice - other than I wouldn't piss on an electric fence. :spudwhat:

[James Deuce]

I wish I could offer some useful advice - other than I wouldn't piss on an electric fence. :spudwhat:

Good advice - where were you when I was 12? Hmmm?

[gav]

Copy of reply from Classic Cover

Hi Gavin,

To Insure your 1997 Honda CBR 600F for $7,000 will cost you annually $349.70 with an excess of $350. if you wish to go ahead with this or would like any more information please contact me on 0800 456 254 or E-mail me back.

Kind Regards,

Abbie


Classic Cover

PO Box 974

HAMILTON

07 8473926 (ph)

07 8473957( fax)

[James Deuce]

Copy of reply from Classic Cover

Hi Gavin,

To Insure your 1997 Honda CBR 600F for $7,000 will cost you annually $349.70 with an excess of $350. if you wish to go ahead with this or would like any more information please contact me on 0800 456 254 or E-mail me back.

Kind Regards,

Abbie


Classic Cover

PO Box 974

HAMILTON

07 8473926 (ph)

07 8473957( fax)

Where's the fine print?
It's never how it seems with an insurance policy. I'll believe it when I've seen it.

[dangerous]

Good advice - where were you when I was 12? Hmmm?
LMFAO....... you too huh :brick:

All I will say is try brocker David Golightly c/o Vero Insurance hes into bikes so does his best...... I'll look up the number tomorrow cos its in the work van out side and its..... shit nearly tomorrow :apint:

[James Deuce]

LMFAO....... you too huh :brick:

All I will say is try brocker David Golightly c/o Vero Insurance hes into bikes so does his best...... I'll look up the number tomorrow cos its in the work van out side and its..... shit nearly tomorrow :apint:

Thanks Dangerous!

[Biff]

LMFAO....... you too huh :brick:

Am I missing something here? So you and Jim both pissed on the same barbed wire fence, at the same time, when you were kids. Was it a Scout's outting or something?! :Pokey:

[dangerous]

Thanks Dangerous!
David Golightly Insurance Services
03 3572428
025 2953936 <------- may be 027 by now
d.golightly@xtra.co.nz

[jrandom]

I've had enough of F__king motorbikes.

Well, try sheep for a change.

[Blakamin]

I got mine thru eric woods motorcycles... vero....
of course, I'm not organised enuff to find the paperwork... $550 or sumthin a year... comprehensive... pretty sure I dont have to be chained to it at night....

[James Deuce]

Am I missing something here? So you and Jim both pissed on the same barbed wire fence, at the same time, when you were kids. Was it a Scout's outting or something?! :Pokey:

Electric fence.

Different times.

Boy's Brigade.

[Hitcher]

Electric fence.

Different times.

Boy's Brigade.
More than once?

[James Deuce]

"To Insure your 1999 Suzuki GSX600F for $7,500 will cost you annually $369.00 with an excess of $350."

If you're having issues with insurance, can I strongly suggest that you ring Classic Cover. Gav was right!!!

Thanks for the lead too Oscar. The nice point about them is that if you have a write off episode, you are only penalised for 12 months, and then you return to a better NCB rate.

That's $200 a year cheaper than the next best deal I've received so far. My apologies for spitting the dummy in such a childish fashion. Sick to death of trying to do the "right" thing and bearing a financial burden as a result, or having to wade through reams of fine print to find the "real" deal.

[vifferman]

My apologies for spitting the dummy in such a childish fashion. Sick to death of trying to do the "right" thing and bearing a financial burden as a result, or having to wade through reams of fine print to find the "real" deal.
Fairy Nuff. I can understand your pissedoffness.
I must say, as a result of this thread, I'm considering doing summat about my insurance with State. They've been pretty good, and the annual premiums are low, but I really hate it that the excess on the VFR is $1500 for anything. I had the same on my other VFR, but they told me it was only for theft, with a smaller excess for anything else. So it means I'm hit in the wallet for almost any damage, despite being a State customer for umpty bloody years, and having four vehicle policies, house, and contents with them. And the only claims I've made have been one for theft years ago when our house was burgled, and more recently the car when our son trashed it and for a pair of spectacles broken in the crash. They paid us $1300, which is less than they would've got for the 'wreck', and that was less than we've paid on insurance over the years for the Subaru. (We'd just reduced the insured value to $2500, and there was an excess of $1000).

[StoneChucker]

Classic Cover, can someone of my age get that? Or is it one of those only over 30 type deals?

[Blackbird]

..mainly to see you come round about ditching your bike Jim. You clearly love your bikes to bits and going without one would be a huge hole in your life, if not close to unbearable. Chuffed that you can see some light at the end of the tunnel.

Incidentally, I'm with John Baker and my '99 'bird is $960 full comp, $1000 excess and theft with no weasel words. Mind you, I'm 57 so probably get pensioner's rates :2thumbsup

Chin up!

Geoff

[F5 Dave]

There is a point that it becomes economic to self-insure. I reached that point when my dirt bikes got upgraded & I realised they weren’t covered by home & contents even while sitting in the garage.

The road bikes are on 3rd party only now (no 3rd party cover is just silly as it is so cheap & if you hit something expensive. . . )

Bike insurance is expensive (but nothing compared to uk) & I decided that paying a premium of almost a grand a year on each bike that I would likely have enough to pay for the repair or replacement after a few years.

Understandably if you have a new bike then this isn’t for you. I did decide to invest in a few hundred dollars of security measures. This at least makes the theft option less likely unless they are Really motivated.

[Eddieb]

Classic Cover, can someone of my age get that? Or is it one of those only over 30 type deals?

I took out insurance with them when I was 32 and they had no issues with that. I have the 888 with them. They were $200 cheaper than the nearest other quote.

[Oscar]

Classic Cover, can someone of my age get that? Or is it one of those only over 30 type deals?


Strictly speaking, 35+, but Mark's arm is twistable...

[Joni]

Strictly speaking, 35+, but Mark's arm is twistable...

Hey for a change Im too young for something.... yay!!! :niceone:

Seriously tho, might be calling them soon myself!