The definitive motorcycle insurance thread

[Spuds1234]

Dont go with vero............aka golightly........

Why? Aside from not being the cheapest, I've always found their service to be excellent when I've need to use it (twice). Pretty easy and pain free.

[dmc]

Why? Aside from not being the cheapest, I've always found their service to be excellent when I've need to use it (twice). Pretty easy and pain free.

Yeh I would like to know also, I was with Kiwi who were very good but the rates went way up which was nothing to do with them but I started looking around and went with Golightly, the price was much better and I got better coverage with Vero than Swann. I crashed recently and apart from an issue with the police report not going to the insurance company holding things up its all be plain sailing on coverage of bike and gear. I'd rate both Golightly and Kiwibike as really good to deal with and its only policy pricing that would make me choose one over the other.

[Lil Miss FB]

Dont go with vero............aka golightly........

Why? I rang him and he was $10 off the cheapest ,Best for excess, offered special rates for track days etc.
Have you had a bad experience?

[mikemike104]

Dont go with vero............aka golightly........

I've seen a few bike claims through work with golightly being the insurer, spoke to the underwriter there (I forget his name) and they seem pretty decent. The claims all got paid out so I was happy at least.

Premiums seemed reasonable, claim turnaround not too long, THEY ANSWER THE PHONE WHEN I CALL, what more do you want.

[haydes55]

Bike insurance is great compared to car insurance (strange because of the likelihood of crashing on a bike is higher). For full insurance for my car, the premium was 3 times the value of the car and the excess was close to the value of the car. Third party was near extortionate. (20 years old full licence no crashes no insurance claims).
For a Hyosung 250 the premium I was quoted from Protecta was about $400 and $600 excess (learners licence).
Looks like I'm selling the car, it's only a fast umbrella for me anyway.

[saltydog]

Hi Bret, although havent claimed with these guys, NAC insurance costs $413/yr for $8k cover on the yammy, 500 excess, full gear cover and free roadside assistence. u sell Quasi?

[Twosixty]

Have almost been with Protector for a year, was looking forward to premiums dropping on one year anniversary.
Gave them a courtesy call the other day to enquire what I'd be dropping to and make sure they had my details correct etc.
"Did you say SP2 sir? We have just loaded that bike recently... So you were insured as a VTR1000 Class 2, now you'll be insured as a Class 3. Sure you'll still get the annual premium drop (which would have been down to $710) but being a class three you will be paying $780 instead of the $1200 you should have been paying."
Sweet as. The kids have got used to rice anyway haha.

[madkiwi]

Dont go with vero............aka golightly........

out of intrest, why not vero "david go lightly scheme" I am with them, have had two friend that have been paid out with them with no hassels. Protecta looks good but at $1300 + seems expensive compared to my current scheme at about $1000
HAs anybody needed to claim on track day componient of Protecta insurance

[Floppy disk]

I have no idea why the insurance of my Kawasaki 650 2008 is only $380 with Swann:confused:. That's an "increase" of $30 compared to the previous year. Is it because the value insured is only $5000?:blink:

[Gianz]

I have no idea why the insurance of my Kawasaki 650 2008 is only $380 with Swann:confused:. That's an "increase" of $30 compared to the previous year. Is it because the value insured is only $5000?:blink:

ah, good to know, I pay 404$ for sv650 2006 with swann same value insured:mad:

[glukasil]

hi guys...just got my first road bike suzuki gs500....and learner license.

cant insure it with aa as they wont allow 250 or bigger bikes on learner license.

what insurance company would you recommend?

thanx a lot.

[Dragon]

Wait what if its lams legal AA should cover it

Umm give kiwibike a call they should sort you out :)

Im with star via kiwibike have my bike and gear covered

[willytheekid]

Wait what if its lams legal AA should cover it

Umm give kiwibike a call they should sort you out :)

Im with star via kiwibike have my bike and gear covered

+1

KiwiBike/Star insurance for me as well (Bike & gear)...not the cheapest, but they have a damn good reputation :yes:

[Spuds1234]

Golightly/Vero insurance are also very good.

[Subike]

Golightly/Vero insurance are also very good.

+1 for these guys, easy as to deal with and have had friends who have had claims settled withing weeks with no problems.

[Erelyes]

I am with NAC (co-insurer with State), 138/yr (3rd party only) with 700 excess. 28yo, learner bike licence, no demerits etc, 225cc bike.

I haven't had to claim on anything for the last 8 years, let alone since I learnt to ride, so can't comment on their claims process.

[sil3nt]

NAC were good to deal with. They were cheapest when i was on learners/restricted. Kiwibike was cheaper on my bigger bike on my full.

[pouakai]

I've had such a shit time with state and associated cos (NZI) I'll never go near them again !!
One tome when making a theft claim they pulled me up on not having told them about a speeding ticket a year prior and denied the claim. Another time I claimed for a stolen radar detector so they decided I must be bad risk - not only refused the claim but cancelled my policy !! BE VERY WARY IF YOU DECIDED TO DO BUSINESS WITH STATE GROUP !!

[Owl]

I've had such a shit time with state and associated cos (NZI) I'll never go near them again !!
One tome when making a theft claim they pulled me up on not having told them about a speeding ticket a year prior and denied the claim. Another time I claimed for a stolen radar detector so they decided I must be bad risk - not only refused the claim but cancelled my policy !! BE VERY WARY IF YOU DECIDED TO DO BUSINESS WITH STATE GROUP !!

Speeding ticket is not a material fact in your first claim. Second claim would suggest they think you're dodgy?

[Mushu]

I've had such a shit time with state and associated cos (NZI) I'll never go near them again !!
One tome when making a theft claim they pulled me up on not having told them about a speeding ticket a year prior and denied the claim. Another time I claimed for a stolen radar detector so they decided I must be bad risk - not only refused the claim but cancelled my policy !! BE VERY WARY IF YOU DECIDED TO DO BUSINESS WITH STATE GROUP !!

Take those fuckers to court, sounds like they owe you a shit load of money and just fed you a load of shit to get you off their case (sounds like one of the standard insurance company tactics)

When I got the ninja I rang aa for insurance (I have my cage insured with them and gold aa road assistance and have done for years) they refused to insure me despite the fact the bike was brand new, unmodified and having no claims ever because of the likelihood of a learner to crash a bike (which I did) so I went with star insurance and they were great to deal with when I did make a claim (but Kawasaki took forever to source the parts)

But I would recommend Star insurance

Sent from my XT535 using Tapatalk 2

[Askor]

Hey there guys,

I am in need of insurance for my bike, and thought I'd ask here to see what the general opinions are.

Any input is appreciated :)

I am 17 years old at the mo (18 in october), my bike is a 1989 gsxr250, I've never been involved in a traffic accident, and I'm mainly looking for 3rd party fire and theft coverage (or equivalent)

What companies do you guys recommend I talk to? About how much would it cost per year?

Cheers :)

[dogsnbikes]

Start here
http://www.kiwibike.co.nz/

they will do the leg work for you

[reggie1198]

I second that, they gave me a good deal on my full cover

[Akzle]

are you fucking serious? is the search broken or something?

[Askor]

Yea I realised that straight after I posted...

[Berries]

are you fucking serious? is the search broken or something?
Fuck. Anyone would think you want to be a moderator.

[Akzle]

Fuck. Anyone would think you want to be a moderator.

i dunno, would i get a pass to the orgy they've all gone to?

[Damantis]

Start here
http://www.kiwibike.co.nz/

they will do the leg work for you

And when the insurance company they get you insured with tries to under-pay you when your bike is written off, they will negotiate with them on your behalf. :niceone: Easier than doing it yourself, that's for sure.

[Hitcher]

i dunno, would i get a pass to the orgy they've all gone to?

I don't see why not.

[Usarka]

i dunno, would i get a pass to the orgy they've all gone to?

Shudder, I can just imagine the whining:


"That's too big - it exceeds the orgy rules"

"If you leave you're not allowed back for a month"

"You've been bad - time for some pink"

"You put that in the wrong place!"

"Help, this is the members only lounge...."

[caspernz]

i dunno, would i get a pass to the orgy they've all gone to?

There's an orgy the first weekend of every month in our area...but entry is by invitation only :innocent:

[conadz]

Im 18, clean learners license.
NAC costs me roughly $8 a fortnight with a $900 excess.

Have yet to need it so i cant really comment on quality but they are friendly to deal with the few times I have done

[Matariki]

Hey there guys,

I am in need of insurance for my bike, and thought I'd ask here to see what the general opinions are.

Any input is appreciated :)

I am 17 years old at the mo (18 in october), my bike is a 1989 gsxr250, I've never been involved in a traffic accident, and I'm mainly looking for 3rd party fire and theft coverage (or equivalent)

What companies do you guys recommend I talk to? About how much would it cost per year?

Cheers :)

I recommend star insurance. http://starinsurance.co.nz/
It costed me $12 a week for full coverage for my Suzuki GN 250.

[clonak]

Im 18, clean learners license.
NAC costs me roughly $8 a fortnight with a $900 excess.



Thats a massive excess... how much is the bike insured for ?

[conadz]

Thats a massive excess... how much is the bike insured for ?

3rd party only :weep:
State nor AA will insure learners on "sporty" motorcycles.
haven't contacted kiwibiker, if anyone is in a similar situation is around to offer their experiences i wouldnt be against changing across.

[clonak]

3rd party only :weep:
State nor AA will insure learners on "sporty" motorcycles.
haven't contacted kiwibiker, if anyone is in a similar situation is around to offer their experiences i wouldnt be against changing across.

Thats a fucking joke. a 'sporty' learners bike isnt going to really be all that 'sporty', and how is it anymore dangerous then any other type of motorbike ?
Iv heard NAC will insure anyone, but at a price.

[discotex]

Thats a fucking joke. a 'sporty' learners bike isnt going to really be all that 'sporty', and how is it anymore dangerous then any other type of motorbike ?
Iv heard NAC will insure anyone, but at a price.

It's not the sporty performance; it's the expensive plastic that is likely to get scratched..

[conadz]

It's not the sporty performance; it's the expensive plastic that is likely to get scratched..

Third party insurance....
Its the crash statistics that determine the insurance, and sadly alot of young idiots go out and make stupid mistakes which makes life expensive for the rest of us.

[Oscar]

Third party insurance....
Its the crash statistics that determine the insurance, and sadly alot of young idiots go out and make stupid mistakes which makes life expensive for the rest of us.

It's not actually, it's the loss ratio.
Premium income compared to claims costs.

[conadz]

It's not actually, it's the loss ratio.
Premium income compared to claims costs.

What causes loss? Mistakes? :yes:

[jamsop]

im guessing you all have big bikes, ive insured suzuki fxr 150cc with state comprehensive with bike valued at $1200 for $6 per week

[Oscar]

What causes loss? Mistakes? :yes:

Mistakes?

That's a strange word to use.

[milktown]

hello all! after living in the states for 20 years im back to my homeland! i recently had my bikes insured with AA but after being knocked off by a cager in december im STILL waiting to get my bike back from the shop! i have had it! :bs: i need a new better company to throw my money at. HELP PLEASE!!

[DMNTD]

http://www.kiwibike.co.nz/ Ph 0800 629 253...ask for Dave, he rides a Diavel these days so obviously he is a superb being

[oneofsix]

Not the main insurance companies. Kiwi Bike, Classic Cover, Swan and there are many more. Classic Cover, as the name suggests, is age dependant I think.

[\m/]

+1 for Kiwibike. Avoid the major insurance companies and stick with the specialist vehicle insurers.

[ac3_snow]

A friend of mine had an accident in his car recently, insured with AA. Got told to take his car to the AA yard, they even offered to pay for his taxi back home. They arranged all the details of the repair and called him a few days later when it was all ready to be picked up.

Same friend had an accident on his bike, Don't know whether or not this was also insured through AA or not. But anyway got told to pick his own Motorbike shop with which to get the repair done, as I understand this is the case with alot of insurance companies. This shop had his bike for a Month or more and basically it took them a pretty long time to get it fixed and back to him, wasn't stupid amounts of damage either.
Your case sounds pretty bad though I would be spewing if I had to go without a bike for that long! Problem could be the shop, not AA.

What has the shop said when you called them to figure out what was going on?

[Mental Trousers]

Bikes can be a prick to get repaired. Often the problem is getting the parts because they replace everything with OEM new parts. Sometimes getting something out of the factories can take weeks if not months.

Look into whether it's the insurance company or the repairer.

[DMNTD]

Bikes can be a prick to get repaired. Often the problem is getting the parts because they replace everything with OEM new parts. Sometimes getting something out of the factories can take weeks if not months.

Look into whether it's the insurance company or the repairer.

...especially when they are older bikes like the OP's

[HenryDorsetCase]

...especially when they are older bikes like the OP's

was it the F2 or the GB? either would be a "parts from Japan and scheduled arrival after the Rapture" kind of deal.

Should have cash settled it and gone to egay.


edit: as for insurance I am with David Golightly and underwritten by Vero I think. Been very happy so far but never had to make a claim. So there's that.

[p.dath]

hello all! after living in the states for 20 years im back to my homeland! i recently had my bikes insured with AA but after being knocked off by a cager in december im STILL waiting to get my bike back from the shop! i have had it! :bs: i need a new better company to throw my money at. HELP PLEASE!!

It sounds like the problem is with the repairer, not the insurer. It is common to wait up to 1 to 3 months to get genuine replacement parts, which is what they'll be told to do ("restore the bike to the condition it was in prior to the accident"). However you have already been waiting longer than that.

Why don't you contact the repair agent, and ask them what the hold up is? If they are waiting on part "X" and you say you're prepared to have third party components then perhaps you can speed it along.


Failing that, you could contact the insurer and say that you have been waiting an unreasonable period of time for the repair and you want the bike written off so you can go and buy another.

[milktown]

it was the cb750. i actually think the repair shop is lying to me and i brought up this concern with AA as well. the shop told my they were waiting on parts, that took two months, then waiting on paint. then they gave it back to me for a week to make sure it rides ok(and so i could ride it up to battle of the streets). gave it back to them to finish up the work and still dont have it back. i have harassed them so much they stopped responding to my emails. so i tried getting the insurance company involved but they said(not surprisingly) that it is out of their hands on how long it takes to get done. apperently the shop they gave it to doesn't do any actually work on the bike other than re-assembly after they have outsourced everything else. i find it strange they made me take the bike there considering it is a specialist BMW car panel beater..

[oneofsix]

I think part of the problem is that bikes are seen as optional whereas the car is seen as required family or business transport. For those of us the rely on the bike this just sucks.

[DMNTD]

it was the cb750. i actually think the repair shop is lying to me and i brought up this concern with AA as well. the shop told my they were waiting on parts, that took two months, then waiting on paint. then they gave it back to me for a week to make sure it rides ok(and so i could ride it up to battle of the streets). gave it back to them to finish up the work and still dont have it back. i have harassed them so much they stopped responding to my emails. so i tried getting the insurance company involved but they said(not surprisingly) that it is out of their hands on how long it takes to get done. apperently the shop they gave it to doesn't do any actually work on the bike other than re-assembly after they have outsourced everything else. i find it strange they made me take the bike there considering it is a specialist BMW car panel beater..

Sounds to me that it is time you start getting some genuine information of your rights.
You wouldn't expect a panel beater to be able to repair a damaged motorcycle properly

[Maha]

ask for Dave, he rides a Diavel these days so obviously he is a superb being

I heard he was Modest beyond all reasonable doubt :rolleyes:

[DMNTD]

I heard he was Modest beyond all reasonable doubt :rolleyes:

That he is, mister...I'm not :devil2:

[oneofsix]

it was the cb750. i actually think the repair shop is lying to me and i brought up this concern with AA as well. the shop told my they were waiting on parts, that took two months, then waiting on paint. then they gave it back to me for a week to make sure it rides ok(and so i could ride it up to battle of the streets). gave it back to them to finish up the work and still dont have it back. i have harassed them so much they stopped responding to my emails. so i tried getting the insurance company involved but they said(not surprisingly) that it is out of their hands on how long it takes to get done. apperently the shop they gave it to doesn't do any actually work on the bike other than re-assembly after they have outsourced everything else. i find it strange they made me take the bike there considering it is a specialist BMW car panel beater..

Having to take it to a BMW panelbeater is a bit surprising. I have AA car insurance and whilst they do have their preferred companies you can chose. The only trouble I did have was a helpdesk wally that couldn't find their list of preferred panel beaters in my area. In the end, after visiting the AA shop/office and talking to their local insurance rep there, we had the choice of a couple within 3ks of home.

[neels]

Workmate had a similar problem (not with AA insurance).

Took a bike in to have it assessed and after about a month called the insurance company to see what the holdup was, they hadn't heard from the repairer so were doing nothing. After a few phone calls and no progress visited the repairer in person, the bike was sitting in the corner untouched, the reason given was that they had been a bit busy and hadn't got around to it yet but should get to looking at it in the next couple of weeks. He was somewhat displeased.

[Xsannz]

+w for kiwibike...

But. They are brokers

-1 if they offer you swan insurance as they are cunts and cbf explaining but more than 4 people I know have had issues with them.

However kiwibike do star insurance and I can't say enough nice things about star insurance.

2 weeks from accident to new bike...

And before that 1 month from crash damage to full repair.

And before that 1 week from Stolen to replacement.

[Swoop]

Kiwibike.

Don't fuck about with the rest and certainly NOT AA or AMI.

[G4L4XY]

Well I'm with Kiwibike now but before that I was with Protecta when I had my accident. Shop had it for about a month, process wasn't terribly difficult, companies are a bit useless with letting you know whats happening

[HenryDorsetCase]

it was the cb750. i actually think the repair shop is lying to me and i brought up this concern with AA as well. the shop told my they were waiting on parts, that took two months, then waiting on paint. then they gave it back to me for a week to make sure it rides ok(and so i could ride it up to battle of the streets). gave it back to them to finish up the work and still dont have it back. i have harassed them so much they stopped responding to my emails. so i tried getting the insurance company involved but they said(not surprisingly) that it is out of their hands on how long it takes to get done. apperently the shop they gave it to doesn't do any actually work on the bike other than re-assembly after they have outsourced everything else. i find it strange they made me take the bike there considering it is a specialist BMW car panel beater..

kickbacks. the whole industry is corrupt as fuck.

You are gonna have to put some effort in. Find out the name of the owner of the business. Phone them and get an appointment. If they wont give you one, take a day off work and rock in and ask to see him/her. And wait, cluttering up the waiting room. All day if you have to. Eventually you will be helped. Conspicuously ring TVnz and ask for Gordon Harcourt at Fair Go while you are there, whit like that. Be polite, friendly and persistent and do not take no for an answer.

[jellywrestler]

knocked off by a cager what's a cager?

[jellywrestler]

A friend of mine had an accident in his car recently, insured with AA. Got told to take his car to the AA yard, they even offered to pay for his taxi back home. They arranged all the details of the repair and called him a few days later when it was all ready to be picked up.

This shop had his bike for a Month or more and basically it took them a pretty long time to get it fixed and back to him, wasn't stupid amounts of damage either.
there are a lot more cars of similar models on the road in our country than bikes. Have you thought of the possibility that they may have had to wait for the correct parts coming from overseas for a bike whereas the cars parts were in stock in NZ??

[milktown]

what's a cager?

http://www.urbandictionary.com/define.php?term=cager

[mulletman]

Ive had good experience with NAC, paid out on gear and bike within a month.

[swbarnett]

Bikes can be a prick to get repaired. Often the problem is getting the parts because they replace everything with OEM new parts. Sometimes getting something out of the factories can take weeks if not months.
Colemans rung me to say that the stock exhaust would take 6 months to obtain, "would you like a Yoshi instead?" Ah, yes please! Protecta were happy to pay.

[DMNTD]

Colemans rung me to say that the stock exhaust would take 6 months to obtain, "would you like a Yoshi instead?" Ah, yes please! Protecta were happy to pay.

Would've been cheaper too
Win...win

[Oscar]

Been very happy so far but never had to make a claim.

I'm not picking on you in particular as you see these comments all the time, but all you're saying is that this insurer is good at banking your cheque.

[swbarnett]

Would've been cheaper too
Win...win
I was led to believe the Yoshi would be more expensive (not by Colemans or Protecta). But hey, I really have no idea what stock or after-market pipes go for.

Sounds like it was good for them too.

[Owl]

Sounds like it was good for them too.

Absolutely no doubt!

I've done deals with insurance companies and it's all about money. They'll often bend over backwards if you can save them money. You can come out with better parts, extras etc. Win win for everyone!

[f2dz]

I recently had a crash that was not my fault.

My insurance is paying me out the wreck of my bike and my helmet but I'm losing the last month of my premium.

Not a huge problem but now I'm worried about reinsuring my next bike and crashing it earlier than 11 months in and having to lose a whole year's premium. The whole reason I did monthly payments was to avoid something like this.

Surely people have run into this problem before: If you're in an accident that's not even your fault, and even if the other party is insured, you still get stung for your premium, and the other insurance company isn't liable to cover it.

In a perfect world, would it then be better to ride without insurance so long as you were never at fault in a crash and so long as anyone who crashed into you was insured?

[Owl]

Not a huge problem but now I'm worried about reinsuring my next bike and crashing it earlier than 11 months in and having to lose a whole year's premium.


It only happens with a total loss, not if it's repairable.

In some cases you can get the unused portion of premium to cover the replacement vehicle. That may be worth discussing with your insurance company for future reference, but probably not too many would do that now.

[Oscar]

I recently had a crash that was not my fault.

My insurance is paying me out the wreck of my bike and my helmet but I'm losing the last month of my premium.

Not a huge problem but now I'm worried about reinsuring my next bike and crashing it earlier than 11 months in and having to lose a whole year's premium. The whole reason I did monthly payments was to avoid something like this.

Surely people have run into this problem before: If you're in an accident that's not even your fault, and even if the other party is insured, you still get stung for your premium, and the other insurance company isn't liable to cover it.

In a perfect world, would it then be better to ride without insurance so long as you were never at fault in a crash and so long as anyone who crashed into you was insured?

You bought an annual contract.
The contract was fulfilled during the stated period, so no - you don't get anything back.

[swbarnett]

You bought an annual contract.
The contract was fulfilled during the stated period, so no - you don't get anything back.
Exactly. Paying for a year's insurance monthly is like taking out a 12 month HP.

[Verzent]

Had an absolute great experience with NAC. Sorted out the other party that was at fault for me, gave me a good market valuation payout (bike was written off due to all the damage) and all sorted within 18 days.

[chrisso]

Gday. How much would it cost to renew rego on say an 1100cc bike in NZ. Rider over 30 with a good driving record . For the record my XS1100 last time cost me around $660 for the CTP ( compulsory 3rd party ) and about $110 for the Govt fees and charges here in NSW. If I had an old R1 at 998cc it is a lot less as the fucktards here assume less cc's = less power so therefore safer. Dunno bout NZ but here we dont have rego labels anymore; now that the Police have new youbeaut instant number plate recognisition cameras.

[p.dath]

Gday. How much would it cost to renew rego on say an 1100cc bike in NZ. Rider over 30 with a good driving record . For the record my XS1100 last time cost me around $660 for the CTP ( compulsory 3rd party ) and about $110 for the Govt fees and charges here in NSW. If I had an old R1 at 998cc it is a lot less as the fucktards here assume less cc's = less power so therefore safer. Dunno bout NZ but here we dont have rego labels anymore; now that the Police have new youbeaut instant number plate recognisition cameras.

It sounds like you are talking about insurance, rather then vehicle registration. To register that bike would cost you $591.39 for 12 months. It falls into the 601cc and over category.
http://www.nzta.govt.nz/vehicle/registration-licensing/fees.html

Insurance varies a lot. I am 42, have a 1000cc bike, and have full insurance (including coverage for track day training) and it costs $438.24 including GST.

[Verzent]

Hey I just had my claim paid out with free excess and the person liable didnt have insurance on their car. How will my insurance company retrieve the money from them? Not that it affects me, I'd just like to know that they'll be made to suffer for putting me in hospital. lol.

[cynna]

they will be made to suffer probably by paying $5 a week back to the insurance company - that will teach em

[Verzent]

they will be made to suffer probably by paying $5 a week back to the insurance company - that will teach em

Good enough for me

[Throttletime]

Go to www.Motorcyclealley.co.nz click on the insurance link and check out the quote on the online calculator

[vifferman]

Made my first claim on my (Swann, via KiwiBike) insurance the other week. Yay!!

Made a third-party claim! Woohoooo!



Wasn't feeling too great when I arrived home from work, parked a weee bit close to my wife's brand new (less than a week old) car, and so went to shift it to give her a bit more room to open the passenger door.

Overbalanced, and sl-o-o-o-w-w-w-ly dropped the fucker.:eek5:
Made a very small $1200 dent in her front mudguard. Uh-oh....:facepalm:

Luckily :blink: she was very ill, so not particularly excited about it.:oi-grr:

I was absolutely guttered (tard mode) / gutted (fish mode) / pissed off (reality mode). But at least I got to drive it (to the panelbeater and back).

It went into the car surgeon's surgery today. Be all good again soon, and I'll be allowed in the house again.:sweatdrop

Be all back to its shiny pearl black metallic newness shortly. Ish...

[gunrunner]

Go to www.Motorcyclealley.co.nz click on the insurance link and check out the quote on the online calculator




Done , I have just halved my insurance with all the same benefits ..

[st00ji]

surprisingly affordable!

[st00ji]

Originally Posted by jellywrestler
what's a cager?


http://www.urbandictionary.com/define.php?term=cager

3. cager

Someone who masturbates thinking or looking at nicholas cage photos, while listening to the soundtrack of any of his films circa 1990's.

[swbarnett]

surprisingly affordable!
And good to deal with too. I've claimed off Protect twice now and been impressed with them both times.

[Corse1]

Go to www.Motorcyclealley.co.nz click on the insurance link and check out the quote on the online calculator

Doesnt work for me. Ends up being a third more again than what I pay through kiwibike

[gunrunner]

Doesnt work for me. Ends up being a third more again than what I pay through kiwibike

I did the online thing with kiwibike and it said $1001 per year then the next day I got an email saying they would do me a deal for $535 per year but it was still $100 cheaper at Protecta .

[Griffin]

I am 42, have a 1000cc bike, and have full insurance (including coverage for track day training) and it costs $438.24 including GST.

I am currently looking for Insurance and the cheapest quote I can find is $770 / year. Who do you insure through?

[Blackbird]

The insurance for the Street Triple is due. I have 60% no claim bonus with Protecta but thought I'd ask whether any further discount was available for being an Observer with the Institute of Advanced Motorists. Well, if you don't ask, you don't get and after giving them proof of test passes, they knocked another $50 off the premium in recognition of on-going upskilling :banana:. Looking at extending the discount to all IAM members now. Nice bit of recognition!

[Latte]

For anyone, err, addicted like I am, I just got a one rider policy (multiple bikes) $1100 for 3 1000cc+ bikes and gear cover. I believe it's as many bikes as you like.

Thanks Dave at Kiwibike - more money for tires now.

[Oscar]

I am currently looking for Insurance and the cheapest quote I can find is $742 / year. Who do you insure through?

Did you try Star?

[Griffin]

Did you try Star?

Yes - Quotes obtained so far as below:

Star $770 / year (but if you do monthly payments add 10%)
Protecta $874 / year
Honda Ins $903 / year
Swann $1178 / year
NAC $1203 / year
Tower $3744 / year (Holy F*CK)

These are based on a 2013 bike, priced at 34k, cc rating over 1000, fitted with immobiliser and secured in a locked garage at home.
I'm 44, no previous claims, no criminal record, full licence.

Any one know of a cheaper option?

[Griffin]

What I find interesting... and also very frustrating, is that some people on here make claims to have really cheap insurance (e.g. $438 / year) but when you ask them for advice on who they use (a few posts above would be a good example) they go silent... or just ignore you. So that tells me they are either a: Full of shit... or b: some one who doesn't like others getting a good deal.

Rant over.

For those interested... At this stage I am going to be going through Protecta as they are most affordable on a monthly basis.

[Ender EnZed]

some people on here make claims to have really cheap insurance (e.g. $438 / year)

That price was for a 2004 CBR1000, maybe worth $7k. You want to insure a 2013 bike worth $34k.

Given that you would expect the premiums to be related to the amount insured; your $770/year doesn't seem too unreasonable.

[Griffin]

That price was for a 2004 CBR1000, maybe worth $7k. You want to insure a 2013 bike worth $34k.

Given that you would expect the premiums to be related to the amount insured; your $770/year doesn't seem too unreasonable.

And that's great news - it is information like that which helps new insurance purchasers make their minds up. But when you ask questions in these forums and you are ignored, it makes for a frustrating experience. I was under the impression these forums were in part for the sharing of information amongst people with similar interests. When said people have been online a few times and not bothered to give any info on a topic they have previously made statements in... it... is... frustrating! and leads you to come up with your own conclusions.

[Oscar]

That price was for a 2004 CBR1000, maybe worth $7k. You want to insure a 2013 bike worth $34k.

Given that you would expect the premiums to be related to the amount insured; your $770/year doesn't seem too unreasonable.

The sum insured is only one of the factors used in rating the premium (so the cost for a 10k bike wouldn't be half the cost of a 20k bike).

There will be a base premium, which is adjusted using factors such as the sum insured, rider age/experience and bike type (some times engine size and sometimes bike usage).

[cynna]

And that's great news - it is information like that which helps new insurance purchasers make their minds up. But when you ask questions in these forums and you are ignored, it makes for a frustrating experience. I was under the impression these forums were in part for the sharing of information amongst people with similar interests. When said people have been online a few times and not bothered to give any info on a topic they have previously made statements in... it... is... frustrating! and leads you to come up with your own conclusions.

do you try quoting or sending a private message. doesnt take much to miss a question on here, often can get lost in the thread. not everyone reads every single post

[Griffin]

do you try quoting or sending a private message. doesnt take much to miss a question on here, often can get lost in the thread. not everyone reads every single post

Hi, yes... I replied to a post using "reply with quote". I wouldnt expect an answer if I hadnt made an effort to ensure the person being asked was aware of it.

No bother now though. Insurance sorted. Rant done. Now I just need to find time to ride.

[willytheekid]

Im with Kiwibike / Star insurance....$55 a month for comprehensive cover (Bike & gear etc)

My ONLY concern with my policy is where is states they will replace my bike and gear @ "market value"...and not the "agreed value"

This is a major concern to me as I own a 18yr old VFR750, which (including all my gear) I have set the value at $6k all up (I figured $1500-2k for all my gear, & $4500-5k for the bike)

I can just see an issue if I ever need to claim, as an old VFR with 120k on the clock is worth sweet piss all "At market value", and the policy just leaves a big wide open door for them to step through and say, "thanks for paying for $6k worth of cover...heres $2k...at market value!":mellow:

Hence this present cover has me rather concerned as they WILL seek the cheapest option regarding a payout if any claim is ever lodged...and we all know who wins in a fight with an insurance company!

Im going to call them today to discuss this, but in the mean time, anyone else worried about the difference between "Market value" & " Agreed Value"

...Anyone know if classic cover or anyone else does "Agreed value" cover?

[Corse1]

Im with Kiwibike / Star insurance....$55 a month for comprehensive cover (Bike & gear etc)

My ONLY concern with my policy is where is states they will replace my bike and gear @ "market value"...and not the "agreed value"

This is a major concern to me as I own a 18yr old VFR750, which (including all my gear) I have set the value at $6k all up (I figured $1500-2k for all my gear, & $4500-5k for the bike)

I can just see an issue if I ever need to claim, as an old VFR with 120k on the clock is worth sweet piss all "At market value", and the policy just leaves a big wide open door for them to step through and say, "thanks for paying for $6k worth of cover...heres $2k...at market value!":mellow:

Hence this present cover has me rather concerned as they WILL seek the cheapest option regarding a payout if any claim is ever lodged...and we all know who wins in a fight with an insurance company!

Im going to call them today to discuss this, but in the mean time, anyone else worried about the difference between "Market value" & " Agreed Value"

...Anyone know if classic cover or anyone else does "Agreed value" cover?

Gear is devalued rather quickly and heavily. I am with Kiwi bike but with no gear cover. You are able to use your house hold insurance for gear. I managed to argue with state over value and depreciation and recovered some of the value but shit I still felt ripped off.

[caseye]

Willy, Swann will cover you for a lot less than that and it includes gear, track days and I'm sure it's for agreed value, give em a call mate.She's worth heaps more than 2 K.
It is their classic cover policy that you want. Coal burner for 4.5 at $250 odd other 2, also classics $1 hundy each for same value of cover as CB.Can't complain and have had a claim when Ratbag got taken out by car parts on road, they paid quickly and sorted everything well.

[willytheekid]

Willy, Swann will cover you for a lot less than that and it includes gear, track days and I'm sure it's for agreed value, give em a call mate.She's worth heaps more than 2 K.
It is their classic cover policy that you want. Coal burner for 4.5 at $250 odd other 2, also classics $1 hundy each for same value of cover as CB.Can't complain and have had a claim when Ratbag got taken out by car parts on road, they paid quickly and sorted everything well.

You beauty mate:niceone:

[irsh]

Hi if you wanted to set up motorcycle or scooter tours around a city what kind of insurance would you need ? is there anyone in particular that specialises in this ?
cheers

[russd7]

Gear is devalued rather quickly and heavily. I am with Kiwi bike but with no gear cover. You are able to use your house hold insurance for gear. I managed to argue with state over value and depreciation and recovered some of the value but shit I still felt ripped off.

problem with having gear covered under household cover is that you end up paying two excesses, as for devalued gear, when my bike leathers got stolen in a burglary a few year ago the insuance offered to pay out in full based on a photo of the gear i had, they only had to pay out half under the policy.

[jafa21]

Hey All,
This is my review for Swann Insurance.
I am insured with Swann Insurance through Kiwibike.
I recently crashed my bike on 14th Dec.
From a friend I knew Red Baron is not the best place to get your bike assessed for damages. So i rung around and CycleSpot promised me they can get the bike assessed in 24 hrs (their bit). So i decided to get it towed to them to get it assessed. They delivered on their promise. But they had to wait for the official dealer to get back on prices for parts to prepare the quote. That turned out to be Red Baron. And ended up taking a few days. Anyway in the meantime i kept in touch with the insurance and kept hassling them to make sure my claim goes through as fast as possible. Within 2 weeks they came back with a offer which i declined. It was 30% lower than i expected/insured for. They also sent me the evaluation they got done from an independent place. It wasnt a bike dealer. it was done by a private evaluation company called banks valuation services. I rang the insurance and told them i wasnt happy with the proposal. They said you are most welcome to get your own quotes and send it to us. So over a week i got 3 quotes for the price i had the bike insured for. Forwarded the emails to the insurance and they took the average of the 4 evaluations including their one. I couldn't get them to take out their original evaluation. But the new offer ended up being very close to what i had insured for. I was happy with the result.
In the end i got the money in 3 weeks from the day i crashed. Considering the holiday break and everyone being very busy as its crashing season i am happy with the speed of the insurance and cyclespot.
My friend is insured with Star and in his claim his insurance company got 3 quotes from dealers which were very close to what he had it insured for. So it would be nice if Swann did that too. I am not saying i should get what i insured for but one evaluation from random evaluation compared to 3 quotes from dealers isnt as good.
They also paid me out for the gear. They cover upto 3500 in gear.
My new quote for my new bike is higher with swann than star but i think i still will go with swann as they cover 3500 in gear and their excess for street and track days is a lot lower than star.

Anyway welcome to ask questions.
I have left out the details of the bike, crash, money etc to avoid any conflicts/arguments/judgements.

Chow

[Owl]

They also sent me the evaluation they got done from an independent place. it was done by a private evaluation company called banks valuation services. I rang the insurance and told them i wasnt happy with the proposal. They said you are most welcome to get your own quotes and send it to us. So over a week i got 3 quotes for the price i had the bike insured for.

Not uncommon at all and bear in mind, that the independent valuer is working for the insurance co.

Had a similar experience involving a car and Lumley. Their value $3500.....ours $8000/$7000/$6500. Highest and lowest were dropped and the other two averaged.
What pissed me off though, was that their valuer actually worked as a tow truck driver and was a former car dealer. Not only that, but often he'd just send his wife around to take pics of the vehicle and base his value off pics without ever seeing the vehicle.:angry:

Glad it all worked out for you though!:niceone:

[MrItalian]

Hey All,
This is my review for Swann Insurance.
I am insured with Swann Insurance through Kiwibike.
I recently crashed my bike on 14th Dec.
From a friend I knew Red Baron is not the best place to get your bike assessed for damages. So i rung around and CycleSpot promised me they can get the bike assessed in 24 hrs (their bit). So i decided to get it towed to them to get it assessed. They delivered on their promise. But they had to wait for the official dealer to get back on prices for parts to prepare the quote. That turned out to be Red Baron. And ended up taking a few days. Anyway in the meantime i kept in touch with the insurance and kept hassling them to make sure my claim goes through as fast as possible. Within 2 weeks they came back with a offer which i declined. It was 30% lower than i expected/insured for. They also sent me the evaluation they got done from an independent place. It wasnt a bike dealer. it was done by a private evaluation company called banks valuation services. I rang the insurance and told them i wasnt happy with the proposal. They said you are most welcome to get your own quotes and send it to us. So over a week i got 3 quotes for the price i had the bike insured for. Forwarded the emails to the insurance and they took the average of the 4 evaluations including their one. I couldn't get them to take out their original evaluation. But the new offer ended up being very close to what i had insured for. I was happy with the result.
In the end i got the money in 3 weeks from the day i crashed. Considering the holiday break and everyone being very busy as its crashing season i am happy with the speed of the insurance and cyclespot.
My friend is insured with Star and in his claim his insurance company got 3 quotes from dealers which were very close to what he had it insured for. So it would be nice if Swann did that too. I am not saying i should get what i insured for but one evaluation from random evaluation compared to 3 quotes from dealers isnt as good.
They also paid me out for the gear. They cover upto 3500 in gear.
My new quote for my new bike is higher with swann than star but i think i still will go with swann as they cover 3500 in gear and their excess for street and track days is a lot lower than star.

Anyway welcome to ask questions.
I have left out the details of the bike, crash, money etc to avoid any conflicts/arguments/judgements.

Chow

+1 for the review. I'm insured with them also though KiwiBike Insurance brokers. I havent had any claims yet but heard a lot of good things about them.



Not uncommon at all and bear in mind, that the independent valuer is working for the insurance co.

Had a similar experience involving a car and Lumley. Their value $3500.....ours $8000/$7000/$6500. Highest and lowest were dropped and the other two averaged.
What pissed me off though, was that their valuer actually worked as a tow truck driver and was a former car dealer. Not only that, but often he'd just send his wife around to take pics of the vehicle and base his value off pics without ever seeing the vehicle.:angry:

Glad it all worked out for you though!:niceone:


that valuer sounds like a D'bag. I bet ya his wife is on her way to be a pro motorbike photographer by now :lol:

[Marmoot]

...............

[Floppy disk]

Disclaimer: i work for BNZ
Sorry to hear that.

[Erelyes]

Sorry to hear that.

BNZ. Now there's a misnomer.

[kiwitrip]

Ok i havn't read the entire thread but for the past two years i have had my ride insured with Swan insurance at a cost of $1000 a year (Full Cover).
I have just found Protecta Insurance online and got a quote that they say is accurate $475 (Full Cover)
Guess i will be changing company's.

[MarkH]

Ok i havn't read the entire thread but for the past two years i have had my ride insured with Swan insurance at a cost of $1000 a year (Full Cover).
I have just found Protecta Insurance online and got a quote that they say is accurate $475 (Full Cover)
Guess i will be changing company's.

$1k sounds expensive, I've just arranged insurance through Kiwibike with Star and it is costing me $492pa to insure my ST for $13k.
This includes roadside assistance and $1k gear indemnity.

It seems to me that going to a broker that will shop around for the best priced policy can save both time & money.

[gjm]

I must be a little older than the average rider hereabouts - this is probably relevant in insurance terms. I've been riding for (say it quietly) 25 years.

I popped into State in Hamilton yesterday lunchtime for a quick, non-binding quote for a 2000 model year Aprilia RSV Mille.

No claims in 5 years, $1000 excess, kept in a garage, not used for business, value $6500. 12 months, fully comprehensive, with full protected NCB - $305.

Certainly a lot cheaper than I was expecting.

[Hashbandicoot]

Looking at getting my bike insured and Kiwibike have offered a competitive quote.

Before the torrent of abuse I have used the search button and have read the threads there. I am after more recent experiences - last post I could find went back to 2012.

I also see from the other posts that back then Kiwibike used to use Swann or Protectra. They now seem to be using Star Insurance I wonder if this makes any difference and if anyone has any experience with Star Insurance?

[slofox]

"Kiwibike insurance, any good?"

Yes.

[Hashbandicoot]

Have you made any claims within the past year or so?

[sil3nt]

They are brokers so they will find the best deal from various insurance companies. Never heard a bad thing about them.

[BoristheBiter]

Looking at getting my bike insured and Kiwibike have offered a competitive quote.

Before the torrent of abuse I have used the search button and have read the threads there. I am after more recent experiences - last post I could find went back to 2012.

I also see from the other posts that back then Kiwibike used to use Swann or Protectra. They now seem to be using Star Insurance I wonder if this makes any difference and if anyone has any experience with Star Insurance?

we were with star and now with kiwibike due to them getting it cheaper.

star were alright to deal with but they tried and screw the cost down with the repairer causing a delay in repairs being carried out.
They were very good when it can to sorting out my gear and paid new replacement prices.

we had been with state and they were better to deal with but do not do replacement gear prices or track insurance, that was the reason we left them.

we have not had any claims with kiwibike

[Ulsterkiwi]

only good things to say about kiwibike, very easy to deal with.

Star I had a claim with, bit of toing an froing to get the "right" number for market value of the bike (it was a write-off) but every insurance company out there will do that, if they can get away with paying less money out they will and why wouldnt they, they are in business to make money not lose it.
All in all I had a good experience with Star, quick and pretty painless.

[Hashbandicoot]

Thanks for merging threads whoever did it.

[quickbuck]

I was with Kiwibike right up to the point I decided I am not going to ride my bike on the road anymore (turning it into a Race Bike).
So I e-mailed Dave and he cancelled the policy right there and then.

He helps out the racers among us very well.

as for claims I have never had to make one, however I can only assume that judging by the fast personnal service I got with all my other enquiries that Claims would be handled the same way...... If an insurence company didn't come up to spec then I dare say Kiwibike wouldn't deal with them.....

[swbarnett]

bit of toing an froing to get the "right" number for market value of the bike (it was a write-off) but every insurance company out there will do that,
Not true.

The last off I had with Protecta their assessment of it's value agreed with mine exactly (based on a few that had sold recently). The damage was mostly confined to the fairing and mechanical damage on one side and after a little negotiation (buff up the exhaust instead of replacing - scratching really was minor, it's now as good as new). I can't speak highly enough of the assessor's attitude.

I don't have any experience with KiwiBike. I went with Protecta initially because of the price.

[Piebald]

I've just started my motorcycle insurance investigation being a new rider and so far I'm leaning towards State or Star,
I have worked in insurance (medical) for the past two years and will NOT use a broker.
Most of the prices I've had for full cover are around $500-$600 pa but State was $195 pa.
Haven't had a quote from Star yet as their website wouldn't generate a quote for me
One thing I did notice is that the questions from State in regards to a quote were a little odd, for example for driver details It asks your date of birth, gender, years Driving and licence type, to which there is a choice of NZ full licence, NZ restricted etc etc but no motorbike licence.
So. Based on me being driving for 7 years, since I was 15, and having a NZ Full Licence and no accidents over the last 5 years my premium for full insurance on my fzr400r for $3000 on my Motorcycle Learner Licence is $188.55
I don't think I'll find a lower price...

[Oscar]

I have worked in insurance (medical) for the past two years and will NOT use a broker.
.

Why not?
You won't access several insurers without one.

[BoristheBiter]

Why not?
You won't access several insurers without one.

Actually you can, it's called a telephone.

[russd7]

Actually you can, it's called a telephone.

email works wonders as well :niceone: but that is technology which seems to be over some peoples level of technological understanding

[Piebald]

Why not?
You won't access several insurers without one.

True, because those insurers may not have sales teams in your area or at all.
If you sound serious or make a initial payment most of them will send somebody down, more money in their pocket!

[BoristheBiter]

email works wonders as well :niceone: but that is technology which seems to be over some peoples level of technological understanding

I always find the quotes they use are always too far out and it can take a day or to for them to replay to emails.
telephone and they answer, give you a quote. you can basically get it done in a day.

[Oscar]

Actually you can, it's called a telephone.

Some insurers only deal through brokers.

[Oscar]

True, because those insurers may not have sales teams in your area or at all.
If you sound serious or make a initial payment most of them will send somebody down, more money in their pocket!

I guess a coupla years in Medical Insurance makes you the expert...

[BoristheBiter]

Some insurers only deal through brokers.

Guess they lose a shit load of business.

I will never, ever deal with a company a can't call direct. straight away it sounds dodgy.

[Piebald]

I guess a coupla years in Medical Insurance makes you the expert...

Not what I meant, I meant I know that they need to make a commission and usually continue to for the life of the policy.
Id just rather pay the insurance company, not the company and another individual

[Oscar]

Not what I meant, I meant I know that they need to make a commission and usually continue to for the life of the policy.
Id just rather pay the insurance company, not the company and another individual

Firstly, you only pay one party - the broker.
Secondly, the insurer pays the broker his commission (which is called brokerage, BTW), not you.
The insurer does this because, in certain types of insurance, it is cheaper for them.

[Oscar]

Guess they lose a shit load of business.

I will never, ever deal with a company a can't call direct. straight away it sounds dodgy.

See my answer below, plus: you can't call Lloyds of London direct (you have to use a broker), and I don't think Lloyds are dodgy.

[yevjenko]

Big variation in quote prices...

40 yr old riding an Aprilia, living in a safe area of Wellie, driveway but no garage, no accidents or losses,
Fully comp, named rider
State - $578 - excess $1000 (+$51 for monthly payments)
Swann - $641 - excess $500 (no charge for monthly payments)
Protecta - $435 - excess $500 (no charge for monthly payments)
Star - no go - they don't insure un-garaged bikes (then I guess not a lot of customers in Wellington)
Kiwibike came back with two quotes that seem based on the above insurers but are more expensive on both and also charge for monthly payments (Sorry Dave)

200 bucks is a big difference...

[swbarnett]

Big variation in quote prices...

40 yr old riding an Aprilia, living in a safe area of Wellie, driveway but no garage, no accidents or losses,
Fully comp, named rider
State - $578 - excess $1000 (+$51 for monthly payments)
Swann - $641 - excess $500 (no charge for monthly payments)
Protecta - $435 - excess $500 (no charge for monthly payments)
Star - no go - they don't insure un-garaged bikes (then I guess not a lot of customers in Wellington)
Kiwibike came back with two quotes that seem based on the above insurers but are more expensive on both and also charge for monthly payments (Sorry Dave)

200 bucks is a big difference...
Not only that, I can't fault Protecta's service when it comes time to claim.

[yevjenko]

Not only that, I can't fault Protecta's service when it comes time to claim.

Good to know. Thanks SW

[rustyrobot]

Not only that, I can't fault Protecta's service when it comes time to claim.

+1 on this (with support from Kiwibike for my tricky claim)

Only thing is I'm pretty sure Protecta wont do track days - something to be aware of it that's a possibility.

[Ender EnZed]

+1 on this (with support from Kiwibike for my tricky claim)

Only thing is I'm pretty sure Protecta wont do track days - something to be aware of it that's a possibility.

IIRC they do as long as you tell them in advance, and then there's a $2k excess on the day.

Edit:


Request Track Day cover if you are going to an event. If you plan to attend a Track Day or track-based Training Day, you need to inform us prior to attending the event to obtain our authorisation. This authorisation doesn’t cost anything, however a higher excess may apply while you are on the track. Contact us by phone or email, and we’ll send out a confirmation of cover once approved.

http://www.protectainsurance.co.nz/FAQs/motorcycle-insurance-faqs.aspx

[rustyrobot]

... they do as long as you tell them in advance, and then there's a $2k excess on the day.


Sweet, I stand corrected - that's great to know.

[BoristheBiter]

Sweet, I stand corrected - that's great to know.

Just ask what their definition of track based training day or track day is as i know with star that some track days (like the test days) are not covered.

[Oscar]

Just ask what their definition of track based training day or track day is as i know with star that some track days (like the test days) are not covered.

Star want to know in advance before covering a track day.
They say there are a variety of events known as "track days" and they reserve the right to cover or not.

[Latte]

I got "Rider Cover" through Dave at Kiwibiker - ~$1000 for 3 bikes (all 1000cc plus), technically as many bikes as I can afford to wn (or fit in my shed I guess).

[Edbear]

I got "Rider Cover" through Dave at Kiwibiker - ~$1000 for 3 bikes (all 1000cc plus), technically as many bikes as I can afford to wn (or fit in my shed I guess).

That's an interesting concept. Does anyone else do this? I know Dave and he's a good bloke.

[testastretta]

That's an interesting concept. Does anyone else do this? I know Dave and he's a good bloke.
I am in the process of re-negotiating the insurance on my bikes and had a very good quote from kiwibike with their multiple bike/1 rider policy. Called my current insurer to cancel and it turns out they have a similar policy and I will be saving about 40% on my current premium. Bit of a shit that I wasn't made aware of this until I wanted to leave.
The only issue I was made aware of by my current insurer is that your insurance is based on the value of your highest valued bike and that is the maximum payable on any one claim. So if both of my bikes were destroyed in a fire or stolen together I would only be paid out for the highest valued bike.

[Damantis]

I claimed recently on my protecta policy via Kiwibike. Dave was very helpful and it was all settled in about 3 weeks. My excess was 750 due to killing another bike only two years ago but the settlement amount was fairly generous and more than I thought the bile was worth at market value. Also, even after providing a quote to them of $249 to replace my helmet, they paid me $492 for helmet replacement. The previous claim was through Lumley and took about 6 weeks by the time Dave could negotiate a reasonable settlement as the assessor was a bit stingey Swings and roundabouts I guess. I guess my next excess will be $1000 but that's fair enough.

Sent from my LG-P705 using Tapatalk

[Kartik]

I've insured my Kawasaki Vulcan 900 with protecta. The price seems very reasonable. I'm paying $480 for a year with an excess of 500.

Sent from my wannabe Samsung galaxy S5

[nzbikers]

The dealer recommended Protecta which I took but have since seen my excess is $750 which is high for my Busa.
The cover looks good - track days and I don't see I have to nominate riders which is nice if a mate wants to test ride.
A mate with Protecta had a free AA tow as he was 10km from home with a puncture.

Any advice or experiences...?

[Blackbird]

I'm with Protecta. Never had to claim but their rate was competitive compared with the other major bike insurers. They also gave me a decent rebate on top of my no claims discount for holding an IAM Advanced Test pass. At least it shows they're prepared to help out people who want to raise their skills, so good on them :2thumbsup

[R650R]

With Star through my broker, could have added the 750 for a little bit more too.
Seems like good package overall and I don't have much of a no claims bonus history as I've rarely insured my bikes in past...

[Corse1]

After reading this thread as it progressed I thought I would get a quote from Protecta. Came back at $1800 odd for two bikes ST4s and the 999s. This compared to my current Kiwibike insurance rate of $870 for both bikes. After a bit of a haggle they came down to $1400. Think I'll be staying with Kiwibike thankyou.

[G4L4XY]

Hi all. Need a bit of advice. I'm currently claiming for gear through my insurance which has gear cover included. I've claimed gear once before and I was happy with the payout. This time however I'm getting depreciation taken off what I paid for the gear. Last time I was paid out what I had paid for the gear (probably because it was cheap sh*t) This time however it's about average sh*t and the payout means I can't replace all that was damaged.
First thing I'll do tonight is read the fine print again. Do I have a foot to stand on here or am I sh*t outta luck.

Bearing this in mind, would you bother with replacing a leather jacket if it had a small tear/hole in it? It's a 2-piece so I'd need to replace the whole thing if that was the case.

Cheers in advanced.


Found this in the policy:

Indemnity Value: means the replacement value, less an
applicable fair depreciation based on the age, condition, wear
and tear and remaining expectant lifespan of any item.

Gear is 2 years old.

[Vinz0r]

Found this in the policy:

Indemnity Value: means the replacement value, less an
applicable fair depreciation based on the age, condition, wear
and tear and remaining expectant lifespan of any item.

Gear is 2 years old.

If the gear was in good condition pre-crash, then I'd only expect a small amount of 'depreciation'. If they're trying to pay you less than 70% of replacement value you should question the decision.

[BigAl]

Bearing this in mind, would you bother with replacing a leather jacket if it had a small tear/hole in it? It's a 2-piece so I'd need to replace the whole thing if that was the case.


Depending where hole is just get it patched, gang insignia will do the trick :p

[Corse1]

Bearing this in mind, would you bother with replacing a leather jacket if it had a small tear/hole in it? It's a 2-piece so I'd need to replace the whole thing if that was the case.

Cheers in advanced.


Found this in the policy:

Indemnity Value: means the replacement value, less an
applicable fair depreciation based on the age, condition, wear
and tear and remaining expectant lifespan of any item.

Gear is 2 years old.

You can argue for more money if its low. I succeeded with that approach. I argued that although the gear was a few years old it had minimal use so in some cases the condition was almost new. I also still use the Jacket as it had a small tear in the lower sleeve. Been three years now

[pritch]

They aren't being too tough. My suitcase vanished at LAX and the insurance assessor told me that because the clothing had been worn it was second hand, and second hand clothing had no value. Prick! It was a real struggle to get anything out of the company (NZI), like banging your head against a wall, it was about seventeen years ago and I'm still pissed off.

Replace the gear that needs replacing, patch the hole in the jacket if it's big. A small hole will just add to your street creed. :whistle:

[G4L4XY]

After sending an email to the broker, it's all been sorted out. Apparently they ticked the wrong box and I have "full" gear cover or whatever so now I'm getting what I paid for it.

See attached pic for the jacket damage, minimal I know so is it worth getting it replaced. I'm claiming for helmet and gloves anyway and they've seen the damage and haven't said anything otherwise.

299788

[Vinz0r]

After sending an email to the broker, it's all been sorted out. Apparently they ticked the wrong box and I have "full" gear cover or whatever so now I'm getting what I paid for it.

See attached pic for the jacket damage, minimal I know so is it worth getting it replaced. I'm claiming for helmet and gloves anyway and they've seen the damage and haven't said anything otherwise.

299788

Patch it up and pocket the cash :D

[G4L4XY]

They want me to take the gear to my repairer so that's not a possibility this time. Last time however I kept my gear haha.

[cowpoos]

Depreciation is a legitimate accounting measure. I would be surprised if you got more than 60% of its value at 2 years old.

Next time get a replacement value added to your policy and if won't be a issue.

[G4L4XY]

Depreciation is a legitimate accounting measure. I would be surprised if you got more than 60% of its value at 2 years old.

Next time get a replacement value added to your policy and if won't be a issue.

Good advice, I did add gear cover to my policy as it wasn't covered initially, didn't really think about the minor details like that though. Something to keep in mind.

[mossy1200]

After sending an email to the broker, it's all been sorted out. Apparently they ticked the wrong box and I have "full" gear cover or whatever so now I'm getting what I paid for it.

See attached pic for the jacket damage, minimal I know so is it worth getting it replaced. I'm claiming for helmet and gloves anyway and they've seen the damage and haven't said anything otherwise.



Get a patch on it.

I love wearing my old race suit. its covered in patches lol. Mainly because I wasn't very good at racing but it does have character that a new suit doesn't have.

[G4L4XY]

I've handed my gear in, we'll see what they wanna do, I don't mind either way, new suit, cool but will have to wear it in. Patch, cool no need to wear in a new suit.

[Rhys]

if the insurance company pay out on an item, they then own it and will probably auction it of on t/m or turners

[jim.cox]

Just got the bill for a year's third party insurance for my Ducati. I've had it with AMI for a couple of decades now, and have never had to make a claim.

Digging through the paperwork I see they want to charge a premium of $24.27

And then I see a "premium adjustment" of $25.73 - with no details of why, of what it is for, no mention of it anywhere in the pile of bumpf they have sent.

Effectively it is doubling the cost of the policy.

Now I've been on the phone to them, explained that I felt this was both sneaky and unfair, that it should be clearly explained and I said I would be shopping around.

So anyone have any recommendations for good third party cover from a reliable (do such things exist?) company

[Akzle]

jess from state.

Or.... Kiwibike*.
Pgg. Fmg.

[corsaro128]

Im paying $660 per year full comprehensive on my Z750 2008 valued at $6150, $500 gear coverage. $650 excess.
I am 26, no claims in the past. Riding since I was 16. This is through YOUI (Although I have REKT my bikes heaps of times but never said anything about it haha)

[Ripperjon]

Im paying $660 per year full comprehensive on my Z750 2008 valued at $6150, $500 gear coverage. $650 excess.
I am 26, no claims in the past. Riding since I was 16. This is through YOUI (Although I have REKT my bikes heaps of times but never said anything about it haha)

Im with Youi now too. Some of the things they promised when i bought the policy turned out to be missing in the actual wording. I called em back to cancel and ended up staying but having my excess dropped and gear cover increased. They're proper salesmen and you've gotta remember that when dealing with em. You can get a good deal but only if you haggle for it.
By the way, you realise you have -$150 gear cover once you factor in your excess which they'll apply per claim eh?
I reckon you should call em up, tell em you wanna cancel and get a pro rata refund. Theyll pass you around to someone who'll offer you a better deal to stay. Probably!

[swbarnett]

Im with Youi now too. Some of the things they promised when i bought the policy turned out to be missing in the actual wording. I called em back to cancel and ended up staying but having my excess dropped and gear cover increased. They're proper salesmen and you've gotta remember that when dealing with em. You can get a good deal but only if you haggle for it.
By the way, you realise you have -$150 gear cover once you factor in your excess which they'll apply per claim eh?
I reckon you should call em up, tell em you wanna cancel and get a pro rata refund. Theyll pass you around to someone who'll offer you a better deal to stay. Probably!
I have a major problem with the youi insurance model. It's just like the way ACC is fucked up. From the ad I get the distinct impression that you're better off having no insurance because those that don't have accidents will pay way less and those that do will pay through the nose anyway. I really want to hear from any of their customers that have made a claim. I would imagine they will screw you for anything they can. Protecta, on the other hand, couldn't wait to pay and were genuinely sad at the prospect of writing off my bike.

[mada]

Read some pretty dodgy reviews about Youi from Aus/NZ after someone I know had some dealings with them.........


http://www.servicerage.com/car-and-home-insurance/youi

http://www.productreview.com.au/p/youi-car-insurance.html

:blink:

[swbarnett]

Read some pretty dodgy reviews about Youi from Aus/NZ after someone I know had some dealings with them.........


http://www.servicerage.com/car-and-home-insurance/youi

http://www.productreview.com.au/p/youi-car-insurance.html

:blink:
Thanks for that. Just as I expected.

[ScottChappell]

I just bought a new bike and went to get it insured. Have rung around a few places now and none of them will give me theft insurance as it will live on the street (there is no where else it can live). Do you know anyone who will insure it even if it lives on the road? Surely there are plenty of bikes in Wellington who have to live on the street as the house doesn't have any off street access...

[jellywrestler]

I just bought a new bike and went to get it insured. Have rung around a few places now and none of them will give me theft insurance as it will live on the street (there is no where else it can live). Do you know anyone who will insure it even if it lives on the road? Surely there are plenty of bikes in Wellington who have to live on the street as the house doesn't have any off street access...
kiwibike insurance

[yevjenko]

Yep kiwi bike Will do on street insurance

[tigertim20]

have you looked at options like a ground ancher / chaining it up inside your fence or something?
perhaps look into one of those gps chip thingies - that might help with insurance

[kevie]

Read some pretty dodgy reviews about Youi from Aus/NZ after someone I know had some dealings with them.........


http://www.servicerage.com/car-and-home-insurance/youi

http://www.productreview.com.au/p/youi-car-insurance.html

:blink:

Theres been a bit of growling on Facebooks biker pages re Youi ..... all the gripes have been when the enquirer has rang for a quote and they insisted on having the enquirers bank details before they quote them the policy costs...... THEN the person finds they have started deducting the premiums even tho no policy has been arranged or confirmed .... took them ages to get the funds reversed .... the general consensus was they are a bunch of dishonest scammers

[mossy1200]

I just bought a new bike and went to get it insured. Have rung around a few places now and none of them will give me theft insurance as it will live on the street (there is no where else it can live). Do you know anyone who will insure it even if it lives on the road? Surely there are plenty of bikes in Wellington who have to live on the street as the house doesn't have any off street access...

Street parking in Wellington. Not sure I would do that and you can understand insurance companies not liking it also.
Have you tried renting a garage nearby. Even a shared garage with someone wanting storage would be good. Perhaps a notice in the Grocery store that your looking to rent a 1/2 share in a garage.

The double garage in the house next door to us was $50.00.
Wouldn't mind that at some point when the tenant leaves.
I should camera it and rent bike parks inside it perhaps.
My garage is getting to full now.

[russd7]

Theres been a bit of growling on Facebooks biker pages re Youi ..... all the gripes have been when the enquirer has rang for a quote and they insisted on having the enquirers bank details before they quote them the policy costs...... THEN the person finds they have started deducting the premiums even tho no policy has been arranged or confirmed .... took them ages to get the funds reversed .... the general consensus was they are a bunch of dishonest scammers

yup. exactly what happened to my daughter. she now knows that she does not need to give financial details when getting a quote. bunch of theiving pricks is all i can say about them and i am really sick of their bloody adds.

[kevie]

yup. exactly what happened to my daughter. she now knows that she does not need to give financial details when getting a quote. bunch of theiving pricks is all i can say about them and i am really sick of their bloody adds.

LMAO told wife that I should ring them for a quote and when they ask for bank details ask them for theirs first .... then tell them its so I can scam them while they scam me lol

I messaged Fair Go about it and they didnt seem to be interested hhhhmmmmm

I think the ones that have been having the money taken should all complain to the commerce commission .... but then they would probably say you shouldnt give the details out lol

[Bassmatt]

I've just had a really good quote for a star insurance policy through kiwibike insurance.
Thought I should check that they actually pay out on claims before I sign up
Any horror stories out there?

[Oscar]

I place a lot of business with Star, from classic Ferrari's to modern supercars and my own seven bikes.
They have an excellent claims service and are great to deal with.

[mossy1200]

When I added a second bike with them it was only another $2.50 a week. They take its consideration you cant ride both at the same time.

[Bassmatt]

I place a lot of business with Star, from classic Ferrari's to modern supercars and my own seven bikes.
They have an excellent claims service and are great to deal with.


When I added a second bike with them it was only another $2.50 a week. They take its consideration you cant ride both at the same time.

Wow. sounding pretty good so far.

[mossy1200]

Wow. sounding pretty good so far.

Told a lie its only $7.60 a month for the second bike.

[Pontiac_Tonz]

I note they use two providers, Vero and Lumly.


At a quick glance the PDS Doc's are the same.


A couple of things stand out.

They will only replace your new bike within 12months of purchase, I am with Youi, I get two years new for old.

Their Roadside is good, but puts a limit on each call out (if I read correctly) to a max of $100.00 !?!?!?

I have no limit, but only 2 callouts a year then $150.00 per callout, Star gives you 3 call outs a year.

I really like their Mechanical breakdown cover, though you have to have your service records with you.



This worries me though:

3. If a claim is made for a total loss of the insured motorcycle
by theft, we will not be required to settle the claim for a
minimum of 30 days from the date of reporting the loss to us;
or until investigations are complete.

Do I read correctly the minimum time to pay total loss after total loss is 30 days?



It is important to read insurance companies PDS Docs, these are always on their web sites, they tell you how they cover, payout, deal with claims and how they pay.

some of the B.S. I have found (NOT in respect to the above) from insurance companies:


"We will pay market value for the damaged item" This was for contents cover at home, it literaly meant that if my 2 year old 42" TV is damaged, they pay me for what they are going for on Trade Me!??!?!? ( I now have full "New for Old" with my current insurer).


"Your vehicle will not be insured while.... being use on an unsealed surface" - Would you believe AA.


Some companies have two levels of cover, Standard and Premier (State has this), they quote on Standard cover to make it look cheaper, but the level of cover is crap.


Others that are cheaper have this rider:


"if two or more quotes are obtained, we will authorise the repairs based on the most competitive and complete quote"

This company uses none original parts.

In other words, they make up for the cheap premiums when fixing your bike.



Once I realised the cover I had was not what I thought it was, I looked very carefully at all the main players, there are some glaring differences when you read the PDS, so take note of everyones personal experience in dealing with Star insurance, but read the PDS first, as this is the agreement you have with them.

Good luck.

[Pontiac_Tonz]

Told a lie its only $7.60 a month for the second bike.


That is outstanding!

When bike two hits the garage I will look at Star too.

[Oscar]

It should be noted that Star, Classic Cover and Protecta are not actually insurance companies.
They are underwriting agents, which essentially means that they sell their own version of of a particular insurers prooduct.
So looking at the financial strength rating of the insurer involved:

Star - Vero A+ Standard & Poors or Lumley (part of IAG) AA- Standard & Poors
Classic Cover - NZI (part of IAG) AA- Standard & Poors
Protecta - Allianz AA- Standard & Poors (technically an overseas based insurer).

[Oscar]

That is outstanding!

When bike two hits the garage I will look at Star too.

Star have a deal on multiple bikes (where the excess is increased for riders other than you to $1,500).
I have seven bikes insured for $800pa + GST

[n3Xro]

Personal experience, have just been through this with Star as of accident two weekends ago.

Sunday 23rd : crash bike.
Monday 24 : Call Kiwibike and have bike collected by agent of my choice. Sent photos of damaged gear.
Tuesday 25: return completed claim forms.
Wednesday 26: Receive replacement gear
Friday 28: assessor advises bike is a write off, forms to settle received.
Monday 31: Return forms to settle, advised payment will be by cheque. Now waiting for payment.

So far everyone has been very easy to deal with, have had direct lines to the assessor and have been kept in the loop through the whole process. Has definitely taken a load off me while recuperating.

[Banditbandit]

I'd unreservedly recommend Star - I have had no issues with them paying out - and even after a 'final' payout after a crash I found the bars were bent and they agreed to pay for the new baers as well. And that was despite sending them a list of trffic tickets over the previous five years that ran to a page and a half .. Star didn't even blink .. just paid out for repairs ..

[jasonu]

. They take its consideration you cant ride both at the same time.

A shame the ACC doesn't see it this way...

[mossy1200]

A shame the ACC doesn't see it this way...

That's the funny thing about turtles. They can pee out their mouth and breath out their arse but couldn't run a 4 minute mile to save themselves.

[Oscar]

This worries me though:

3. If a claim is made for a total loss of the insured motorcycle
by theft, we will not be required to settle the claim for a
minimum of 30 days from the date of reporting the loss to us;
or until investigations are complete.

Do I read correctly the minimum time to pay total loss after total loss is 30 days?





I think you'll find this is just stating what every other insurer is going to do on a de facto basis.
They won't want to pay out on a theft claim if there is any chance the thing is coming back.
The last line gives the assessor the right to recommend a payment at any time though.

[Bassmatt]

sounds pretty good then .
$600 premium 500 excess $2500 gear cover, youi wanted over $1200 $400 excess $3k gear cover, state $1000 with $1000 excess, protecta $700 $500excess.
protecta doesnt seem as good cover as the others eg no new bike in the first year just market value, no gear cover just $500 towards a helmet.

[Banditbandit]

This worries me though:

3. If a claim is made for a total loss of the insured motorcycle
by theft, we will not be required to settle the claim for a
minimum of 30 days from the date of reporting the loss to us;
or until investigations are complete.

Do I read correctly the minimum time to pay total loss after total loss is 30 days?


No. I read it differently. I read it that the minimum time they are REQUIRED to pay out is after 30 days - they may pay out earlier - but you can't hold them to anything less than 30 days.

Oscar is also right - they may wait to see if the bike is recovered before paying out ... What usually happens is they pay out and then if the bike is recovered, it belongs to the insurance company - no matter what condition it is recovered in. Often, if has not been damaged you can buy it off the insurance company - and the figure they put on that is what they paid you for it ...

I would not worry about the clause too much .. unless you are planning for the bike to be stolen ..

[Frodo]

I was with Swann for ten years. Didn't claim, but was sick of paying high premiums.
I then approached Kiwibike (Star). To cut a long story short. My bike is housed in a garage with roller door, well back from the road. I offered to commit to locking the bike, including with a disc lock or chain, but I could not guarantee that the garage would always be locked (there's stuff in there like chook food, etc). Kiwibike said that if my bike was stolen out of my garage and the garage was not locked, I would have a $2000 excess. I consider this unreasonable, so stayed with Swann.
Having bought a new bike, I've just reviewed my insurance and decided to go with Protecta. The relevant bit in their policy states that the bike is not insured if:
"Left unattended, unless it is in a Locked Building or
the steering has been locked and the keys have been
removed. This exclusion applies to claims for the Theft
of the Motorcycle only."
So if its in my unlocked garage and the steering is locked, its covered.
The policy covers:
"New for Old vehicle replacement if a
new NZ vehicle is a total loss within
the timeframe stated on your policy."
I have sought clarification for this timeframe.

I went with Protecta as the premium is $200 per year less than Swann and Swann was not prepared to match.
Its not all about the premium, its also about the payout in the event of a claim. I trawled through the insurance thread and concluded that Protecta did not seem to be any worse.

[Bassmatt]

I was with Swann for ten years. Didn't claim, but was sick of paying high premiums.
I then approached Kiwibike (Star). To cut a long story short. My bike is housed in a garage with roller door, well back from the road. I offered to commit to locking the bike, including with a disc lock or chain, but I could not guarantee that the garage would always be locked (there's stuff in there like chook food, etc). Kiwibike said that if my bike was stolen out of my garage and the garage was not locked, I would have a $2000 excess. I consider this unreasonable, so stayed with Swann.


mate, how are they going to prove the garage was unlocked?

[Frodo]

mate, how are they going to prove the garage was unlocked?

Forced entry I guess.
The point was that they were so anal over the whole thing - long email thread to prove it. It was obviously a big issue for them.
I just didn't want to deal with them.
If they are like that when they are trying to get my money, what would they be like when I try to get theirs?

In contrast, Protecta said no worries.

[AllanB]

New bike close on the horizon - time to shop around for insurance maybe as I have not reviewed it in 8 years. With Golightly but no claim ever made. I do hear good stuff from them though. Vero underwrite them I believe.

[Shaun Harris]

I did approx 2 years of Insurance repair work for a lot of customers through kiwibike insurance, and ALL of the companies were very easy to deal with, IF the Accident inspection report and costs were correct.

[baffa]

It should be noted that Star, Classic Cover and Protecta are not actually insurance companies.
They are underwriting agents, which essentially means that they sell their own version of of a particular insurers prooduct.
So looking at the financial strength rating of the insurer involved:

Star - Vero A+ Standard & Poors or Lumley (part of IAG) AA- Standard & Poors
Classic Cover - NZI (part of IAG) AA- Standard & Poors
Protecta - Allianz AA- Standard & Poors (technically an overseas based insurer).

Unless the financial strength rating is terrible, it will have no bearing on the ability to pay claims. It doesn't take into account things like reinsurance agreements the insurance companies hold. Ami went bankrupt after Christchurch for various reasons, and they weren't the only insurer either.

Also, I'd trust Youi as far as I can throw them.


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[johnnyrs]

Just my 2c, but crashed a bike last year which turned out to be a write off. Found Star to be excellent to deal with. No arguments, nice tone (obviously aware of the emotional impact a smash has) & very quick payout.

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[Bassmatt]

Thanks everyone. Star gets my money.

[Oscar]

Unless the financial strength rating is terrible, it will have no bearing on the ability to pay claims. It doesn't take into account things like reinsurance agreements the insurance companies hold. Ami went bankrupt after Christchurch for various reasons, and they weren't the only insurer either.

Also, I'd trust Youi as far as I can throw them.


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Reinsurance arrangements are only good if the premiums are up to date.
There are still claims held up in court for that very reason.
I would not insure with any company with a rating of less tha "A".

[Frodo]

Turns out that Protecta clarified that the reference to "motor vehicle" in the wording of my "motorcycle" policy does not include "motorcycles".
So for example, "motorcycles" are not replaced new in the first year. So I have some doubt as to what other bits apply only to cars in their motorcycle policy.

I now switched to Kiwibike who were more upfront about what was covered and not.

[p.dath]

Star insurance are good.

[Shaun Harris]

Turns out that Protecta clarified that the reference to "motor vehicle" in the wording of my "motorcycle" policy does not include "motorcycles".
So for example, "motorcycles" are not replaced new in the first year. So I have some doubt as to what other bits apply only to cars in their motorcycle policy.

I now switched to Kiwibike who were more upfront about what was covered and not.



Kiwibike is ALWAYS the BEST place to start, they genuiely care!

[5ive]

Star insurance are good.

Is that why you have not been to NASS for a while? (or so I heard) :laugh:

[awa355]

I have seven bikes

You have seven bikes???? :eek5::eek5::eek5:. That's disgusting :mad::mad::mad:

[stenly]

could anyone recommend the best full cover insurance for motorbike?

I experienced that not all insurance companies support all types of bike. So Ducati riders, could u share your experience? :innocent:

[James Deuce]

Just ring Kiwibike (http://www.kiwibike.co.nz/).

http://www.kiwibike.co.nz/

[Gremlin]

Just ring Kiwibike (http://www.kiwibike.co.nz/).

http://www.kiwibike.co.nz/
Do we need to say any more?

[AllanB]

Golightly.

Very recent post on this subject somewhere.

[Rhys]

Plus one for Kiwi Bike Insurance, I've not had a claim though

[Mike.Gayner]

I've learned to not even bother shopping around. Kiwibike.co.nz, that's all you need to know.

edit: I should qualify that I haven't yet had to claim, so can't comment on that end of the business. Which, granted, is pretty bloody important.

[Daffyd]

Kiwibike are brokers... ergo they do the hunting round for you. They'll find you the best deal.

[flashg]

Golightly.



Very recent post on this subject somewhere.


+1
My WR was stolen and they paid out no problem. Money was in my account six days after the theft.
They also don't discriminate on age, my son bought a brand new R1 the day he turned 18 his premium was exactly the same as my R1, same year etc. Your gear is covered as well at no extra.

[The End]

I've given Kiwibike a go a few times and they've been significantly more expensive than what I currently get through Swann Insurance - although I have been with them for 7 years now.

[WNJ]

Classic cover beat any quote I had been given and yes even better than kiwibike, wrote off the TLS was paid out within a week , no issues at all, gear also covered

[mrchips]

State

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[James Deuce]

Classic cover beat any quote I had been given and yes even better than kiwibike, wrote off the TLS was paid out within a week , no issues at all, gear also covered

Had REALLY bad issues with them. Friendly, efficient, organisationally incompetent.

[James Deuce]

State



Can go fuck themselves with a medium-sized building.

[nodrog]

I've given Kiwibike a go a few times and they've been significantly more expensive than what I currently get through Swann Insurance - although I have been with them for 7 years now.

Same for me (when I bothered with insurance), and I had only been with swann for about a year, star before that. And that's having no claims with any of them.

[Maha]

For me...
Sum insured $14K
Premium $601
Excess $500
Roadside assist also..
Protecta.

$300 Cheaper than my previous insurer for the same cover.

Different bike from 2011 but still with Protecta.

The previous insurer was John Baker (Broker)
Get a couple of quotes on full comprehensive insurance, then make your decision.

[baffa]

I would not insure with any company with a rating of less tha "A".

There are two orginaztions with different financial strength ratings by the way, just to confuse the issue.

Protip: if you have a business, and if you don't need cover for things like track days, commercial cover is often very competitive



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[mrchips]

Can go fuck themselves with a medium-sized building.
Oucchhhhh

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[stenly]

I havnt been here since I asked the question what is the best insurance here in nz (not originally from here) and after long time of investigation I found a Honda Rider Insurance as the best option (at least works for me) where:

- full cover, premium
- $17.5k bike
- $500 access
- +undeclared rider access $500
- road assistance (and rescue)
- gear covering up to $4k
- insurance applicable for honda race circuit days too

[Banditbandit]

could anyone recommend the best full cover insurance for motorbike?

I experienced that not all insurance companies support all types of bike. So Ducati riders, could u share your experience? :innocent:

John Baker .. been with them for years - they've been great - very helpful - paid out in full for my last off .. no hassles. I'd highly recommend them.

[Oscar]

I havnt been here since I asked the question what is the best insurance here in nz (not originally from here) and after long time of investigation I found a Honda Rider Insurance as the best option (at least works for me) where:

- full cover, premium
- $17.5k bike
- $500 access
- +undeclared rider access $500
- road assistance (and rescue)
- gear covering up to $4k
- insurance applicable for honda race circuit days too

At the risk of repeating myself, anyone who buys insurance based on price alone is asking for trouble.

[James Deuce]

At the risk of repeating myself, anyone who buys insurance based on price alone is asking for trouble.

Indeed.

And other things.

[BrendonF]

I just did mine through Kiwirider. $530 a year, $500 excess, $1250 for gear, track day coverage, roadside assistance.


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[Mike.Gayner]

I sent a "track day request" to Kiwibike two days ago for a Taupo track day coming up on December. Unfortunately they have declined my request as there is "no rider training so no cover". I didn't realise they (specifically, the insurer Star) took such an inflexible line on track days, particularly as this day doesn't consist of any racing or timed laps.

I will be shopping around for a new insurer, which is a shame considering I only just purchased this policy.

[Blackbird]

I sent a "track day request" to Kiwibike two days ago for a Taupo track day coming up on December. Unfortunately they have declined my request as there is "no rider training so no cover". I didn't realise they (specifically, the insurer Star) took such an inflexible line on track days, particularly as this day doesn't consist of any racing or timed laps.

I will be shopping around for a new insurer, which is a shame considering I only just purchased this policy.

Protecta cover track days as part of the fully comp policy I have with them. The only requirement is that you let them know when and where you're doing one.

[Mike.Gayner]

I've emailed Protecta to find out EXACTLY what they cover, but I'm not holding my breath. I had a phone call from Alan at Kiwbike to discuss the matter, and his view is that no insurer anywhere in NZ will cover this type of track day - if there isn't hi-viz marshalls and someone manning a BBQ they don't consider it an organised track day event and won't cover it.

My impression from Kiwibike was the same as you've described Protecta's cover - all good as long as you let them know. Evidently they're picky about exactly WHICH track days they cover.

[Mike.Gayner]

Sure enough I just got an email back from Protecta, their current criteria (which sounds very subject to change based on the phone call I had with Alan @ KB) seem to be:


The event has an appointed Clerk of the Course in charge at all times
The riders are briefed prior to being permitted onto the course
Entry to the course is controlled by a marshal, and additional marshals are posted at all marshalling stations around the course
There is communication between marshalling stations and riders by a clear, easy to understand flag system
That riders are separated into groups of similar ability and machine
There is a staggered start (can be 2 bikes starting at the same time)
There are rules stipulating that in the event of passing another motorcycle there must be a clearance of at least 2 metres between each bike


These Taupo days (this is not a Moto TT event) have almost none of those, so cover looks unlikely in this case with any insurer.

It would be nice if they would publish this information rather than leaving you to guess based on vague promises on their websites.

[Gremlin]

These Taupo days (this is not a Moto TT event) have almost none of those, so cover looks unlikely in this case with any insurer.

It would be nice if they would publish this information rather than leaving you to guess based on vague promises on their websites.
It's a changing policy. Initially they did cover almost any track day, but quickly learned (through claims) that not all track days were equal, so the rules changed (and also, I think if you want track days, there is an extra excess? unless that's changed. Again, wasn't initially, then was).

Some like Star I think also give you a discount for attending select track days.

I've been with Swann via Kiwibike for years, made one claim, they cover all my event riding in Marathons, Ironman etc as long as I give them a heads up prior (normally send a rough season schedule). Yeah, can't complain...

[Mike.Gayner]

I'm thinking of switching from the test day at Taupo to the organised Moto TT track day a week earlier, which they will cover.

The last test day I went to (at the time I was self-insuring) only had two spills the whole day, both from track bikes with cold tyres.

[Mike.Gayner]

Kiwibike (specifically Star) have agreed to cover me for the Moto TT track day, under the condition that my excess is tripled, I can only ride in beginner/intermediate groups, no third party liability cover, no slicks (I guess this is to keep speed down) and a few other minor conditions. This is all acceptable, even if it's a bit annoying, especially the astronomical excess hike.

It's not like I have much of an option, because it sounds like the insurers are all as inflexible as each other. I just wish they were more honest about it, rather than offering vague promises of cover on application, followed by onerous restrictions.

Might be time for a track bike in my future so I don't have to worry so much about destroying my precious :(

[nodrog]

Kiwibike (specifically Star) have agreed to cover me for the Moto TT track day, under the condition that my excess is tripled, I can only ride in beginner/intermediate groups, no third party liability cover, no slicks (I guess this is to keep speed down) and a few other minor conditions. This is all acceptable, even if it's a bit annoying, especially the astronomical excess hike.

It's not like I have much of an option, because it sounds like the insurers are all as inflexible as each other. I just wish they were more honest about it, rather than offering vague promises of cover on application, followed by onerous restrictions.

Might be time for a track bike in my future so I don't have to worry so much about destroying my precious :(

just do what everybody else does and just say it fell off the trailer on the way home.

[jonnyk5614]

So just putting in my first ever insurance claim.

I'm with AMI although the other guy will probably be found at fault.

Did the claim form online and after 3 days they hadn't called back so chased them.

Now all is rolling - their "approved repairer" is Harley Davidson (for a Suzuki GSXR???). I said I'd prefer Coleman Suzuki. No hassle - just no guarantee on the repairs. Think Colemans should stand by their work so no issues there....

They said gear came under my home/contents insurance (which is with them). I got a bit pissy and said "are the seatbelts and airbags in the car house/contents? These aren't fancy designer clothes - it is safety equipment that is the difference between living and not" and they agreed to call them "accessories", albeit at market value so we will see how that goes.

Just got to wait and see what their assessor says now.

Overall sound helpful, albeit a bit "what is this motorbike you speak of?".

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[Owl]

They said gear came under my home/contents insurance (which is with them). I got a bit pissy and said "are the seatbelts and airbags in the car house/contents?

Depends on their wording, but I'd argue one excess per event. Many companies do that.

I dumped all four of my AMI policies after a contents claim went sour. May be different now they're under the IAG umbrella, but I wouldn't count on it.

[jonnyk5614]

To be perfectly honest, I asked when I took out the cover and they said gear wasn't included but though worth a go lol! Her boss wasn't too hard to persuade


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[Owl]

Yeah I'm meaning motorcycle policy claim + contents claim, but one excess, being the highest of the two.

That make sense?

[jonnyk5614]

Yup - makes sense

I'd never let them do two excesses lol.

But I wouldn't be keen to have a contents claim at renewal time


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[swbarnett]

their "approved repairer" is Harley Davidson (for a Suzuki GSXR???).
This alone would stop me using them.

[jonnyk5614]

This alone would stop me using them.

Meh - they aren't too fussed about my using Colemans.


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[jonnyk5614]

Just had a call from the assessor. Based on his "experience" alone (so no real assessment), he is writing it off.
His value for a 2004 GSXR $6500. My declared value $6200. Just got to make sure I get that + my gear now....


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[yevjenko]

Sounds like it's coming along nicely. The ami assessor down here in Wellie is a car guy. No real idea of what the issues are in bike accidents. Will talk more when it's settled...