Best insurance?

[BozoNightmare]

I'm with Vero and just renewed my insurance, it was done automatically - so I didn't really take much notice - but have since noticed it's gone up despite having not made any claims. I've been with Vero @ 5 years and the the only cost to them in that time has been sending me a certificate once a year.:bash:

Rung around a few other places, but they're even steeper.

Any suggestions for a good insurer on a 2003 CBR600RR - fully comp? Is there a Honda specific insurer in NZ?

[PirateJafa]

Hondasure.

Ring David Golightly.

[klyong82]

Ring Dave at www.kiwibike.co.nz he gave me the best price for my CBR1000RR compared to the rest of the companies. Not had any claims but I hear from other kb members Dave's always there to help.

[PirateJafa]

Ring Dave at www.kiwibike.co.nz he gave me the best price for my CBR1000RR compared to the rest of the companies. Not had any claims but I hear from other kb members Dave's always there to help.
I'll second that too. I wrote off a bike whilst insured through Kiwibike, and they were excellent to deal with. :niceone:

[Racer X]

Just don't go with State or anyone affiliated with IAG - they may quote a cheaper price, but will fight against ANY payout!

[Shaun]

I'll second that too. I wrote off a bike whilst insured through Kiwibike, and they were excellent to deal with. :niceone:



Know Dave well, and he is a good bloke

[Winter]

I'll second that too. I wrote off a bike whilst insured through Kiwibike, and they were excellent to deal with. :niceone:

I'll triple that, had one total loss claim and one theft claim through Dave, no troubles and always nice to deal with.

[Burtha]

I've just been hunting for insurance too for my bike and ALSO found Dave at Kiwibike gave the best deal/quote around.

Ergo, I have every intention on following through with it too next week.

[Riding LockedDown]

I signed up with STATE :sweatdrop hope nothing goes wrong until our contracts over, then I'll give that guy a call.

State had lowest quote by far, I was quoted at $100 minimum from 4 companies then state said $49 a month for full cover... So lol, were good to me, but do hope they pay out if the need arises.

[kittytamer]

I'll triple that, had one total loss claim and one theft claim through Dave, no troubles and always nice to deal with.

I'll quadiple(!?) that. Kiwibike has given the best price for the last couple of years and Dave is always willing to help in any way he can. Good to deal with, how many times can you say that of an insurance company?

[Winter]

I'll quadiple(!?) that. Kiwibike has given the best price for the last couple of years and Dave is always willing to help in any way he can. Good to deal with, how many times can you say that of an insurance company?

Quadruple.

[Molly]

I firmly recommend John Baker Insurance. The best companies are those that respond efficiently to your claims. I've had two claims thanks to a gobshite running from the cops and some dumb bitch reversing into my bike. On both occasions JB were spot-on and resolved the claims really quickly.

[lankyman]

Just don't go with State or anyone affiliated with IAG - they may quote a cheaper price, but will fight against ANY payout!

Yea i work in the insurance industry and this is true across the range for State, not just vehicle insurance

[ukusa]

I signed up with STATE :sweatdrop hope nothing goes wrong until our contracts over, then I'll give that guy a call.

State had lowest quote by far, I was quoted at $100 minimum from 4 companies then state said $49 a month for full cover... So lol, were good to me, but do hope they pay out if the need arises.

When I bought my bike I thought I'd try State as well (only because house/contents were with them. Anyway, after 10 mins of questions on the phone, the woman finally asked what my bike was, then says "we don't have any information about those on our list". She said I will need to ring back & fill out forms plus a whole lot of other crap so they could research the bike....I said forget it, I'll go elsewhere.
Am currently with Vero & my ;latest has just gone up $40 over last year despite no claims ever.
I'm also thinking of now getting another quote.

[Blaise]

I've just been hunting for insurance too for my bike and ALSO found Dave at Kiwibike gave the best deal/quote around.

Ergo, I have every intention on following through with it too next week.

Hi - I read a bit on this site about insurance and then just called kiwibike. Price was better than what I thought so signed up over the phone. Dont want to have any stress should I have to claim.

[6ft5]

Interesting to read this. Just bought a bike this week and signed up with Vero as this was recommended by Pete at WMCC.

However, while I was riding my Triumph Tiger I was insured by Protecta and after having written off my bike, they paid out what I paid for the bike although I used it for 9 months. They paid out in a very short time without any drama. I paid $72/month for a $16,000 value bike. Am now paying the same for a higher value bike.

Just hope they are as good as Protecta when it counts

[nevets]

I've heard some bad things about State, but I've only had to test them once and the results were good. They took a while to get the assessment done, but once they figured out the bike was fucked they paid me out promptly. RIP silver CBR :bye:

A few days later I called back to arrange cover on the replacement, and I was pleasantly informed that there would be no change in policy - same premium, excess etc etc. Nice :woohoo:

[Burtha]

Hi - I read a bit on this site about insurance and then just called kiwibike. Price was better than what I thought so signed up over the phone. Dont want to have any stress should I have to claim.

same here.
seems Dave at kiwibike has a good thing going - good on him.
:2thumbsup

[prettybillie]

Ring Dave at www.kiwibike.co.nz he gave me the best price for my CBR1000RR compared to the rest of the companies. Not had any claims but I hear from other kb members Dave's always there to help.

I've just done mine with these guys too - they are like 50% cheaper than all the others and also their excess is lower.

[phoenixgtr]

It's funny. You hear all these good things about Kiwibike but I had an absolute nightmare with them!! I'm glad to be rid of them. I shifted to Vero (through David Golightly) and my premium is less than half what it was, with my excess a quarter of what it was through Kiwibike.

[Hailwood]

+1 for John Baker Insurance..call Tim (Jetboy on here send him a PM)....use the search function as well heaps of threads on insurance

[LBD]

What I don't get...and I have pondered this for a time.

An insurance company pays out current values of the bike, (not new values in most cases) As the bike ages, the value drops. If premium to payout ratio remains constant premium should remain constant and not increase.

Inflation is not affecting the value of the bike; ie it is not increasing, so IMO premium increases are nothing but a ripoff.

House insurance is a little different where the value of a property generally appreciates

[Karl@Alpha]

I've heard some bad things about State, but I've only had to test them once and the results were good. They took a while to get the assessment done, but once they figured out the bike was fucked they paid me out promptly. RIP silver CBR :bye:

A few days later I called back to arrange cover on the replacement, and I was pleasantly informed that there would be no change in policy - same premium, excess etc etc. Nice :woohoo:

Odd...
Must have made a mistake on your clame, or there was a newby on and you got them.

[kiwifruit]

John Baker
Tim (jetboy on this site)
0800 65 62 64

[Owl]

Just don't go with State or anyone affiliated with IAG - they may quote a cheaper price, but will fight against ANY payout!

I guess we all have different experiences with insurance companies, but I've found NAC (IAG) to be fantastic!
Now they even cover up to $2500 worth of gear with my bike, so no need for a seperate claim.:yes:

[BozoNightmare]

What I don't get...and I have pondered this for a time.

An insurance company pays out current values of the bike, (not new values in most cases) As the bike ages, the value drops. If premium to payout ratio remains constant premium should remain constant and not increase.

Inflation is not affecting the value of the bike; ie it is not increasing, so IMO premium increases are nothing but a ripoff.

House insurance is a little different where the value of a property generally appreciates

Yeah, I've never worked that one out either....

Thanks for all the suggestions everyone, will have a phone around this week :2thumbsup