Bike insurance sorted

**Wezzzz** · 22nd December 2009, 18:45

Hey guys - I just confirmed my insurance through Jenna at Kiwi Bike Insurance Brokers today. I insured my 2006 VN1600 Mean Streak for $18,000. It's through PROTECTA and the annual premium is $456 with a $250 excess and Free AA Roadside Assist. Given that I paid Vero (David Golightly Scheme) just under $1000 last year with my renewal at $988 coming due in January 2010, I'm happy with the $500 + saving I've just made. All done over the phone on 0800 629 253. Jenna's email if you want to contact her is jenna.rowe@kiwibike.co.nz - I'm stoked I shopped around!

**Molly** · 3rd January 2010, 07:26

I need to make a note of that. That's a much better deal than I got.

**toddyz** · 3rd January 2010, 10:08

Gotta watch those protecta bastards, I insured my wee vt250 for $4500 agreed value 2 months later bike got stolen (who would want to steal one of those??!!) and they wanted to pay out $1800 cause thats what they thought it was worth. I had to go round bike shops and get quotes for market value these came back at $4000 but protecta only paid $2500 WANKERS!!

This was 15 or 20 years ago so may have changed their low life tendences but I'd still never touch them with a 10ft barge pole

**p.dath** · 3rd January 2010, 10:34

Originally Posted by toddyz

Gotta watch those protecta bastards, I insured my wee vt250 for $4500 agreed value 2 months later bike got stolen (who would want to steal one of those??!!) and they wanted to pay out $1800 cause thats what they thought it was worth. I had to go round bike shops and get quotes for market value these came back at $4000 but protecta only paid $2500 WANKERS!!

This was 15 or 20 years ago so may have changed their low life tendences but I'd still never touch them with a 10ft barge pole

In insurance policies I have been involved in, if your insure something for more than double or half its real value you risk the insurance being voided (aka, it looks like an insurance scam). I only ever looked at an agreed policy once, and there seemed to be so many holes I went back to a market value policy again.

If you insured it for $4500, and it got stolen 2 months later, surely you would have still had proff of the purchase?

**toddyz** · 3rd January 2010, 17:36

No I had it 14 months got it new re-insured after a year, the $4500 was what THEY told me it was worth so I insured it for that not thinking (I was a lot younger then)

**6ft5** · 9th January 2010, 08:11

Originally Posted by Wezzzz

Hey guys - I just confirmed my insurance through Jenna at Kiwi Bike Insurance Brokers today. I insured my 2006 VN1600 Mean Streak for $18,000. It's through PROTECTA and the annual premium is $456 with a $250 excess and Free AA Roadside Assist. Given that I paid Vero (David Golightly Scheme) just under $1000 last year with my renewal at $988 coming due in January 2010, I'm happy with the $500 + saving I've just made. All done over the phone on 0800 629 253. Jenna's email if you want to contact her is jenna.rowe@kiwibike.co.nz - I'm stoked I shopped around!

Thanks for that WAZZZ, I have contacted Jenna to see what she can do for my HD, currently pay $92/mth for an insurance value of $22k

**6ft5** · 9th January 2010, 08:15

Originally Posted by Wezzzz

Hey guys - I just confirmed my insurance through Jenna at Kiwi Bike Insurance Brokers today. I insured my 2006 VN1600 Mean Streak for $18,000. It's through PROTECTA and the annual premium is $456 with a $250 excess and Free AA Roadside Assist. Given that I paid Vero (David Golightly Scheme) just under $1000 last year with my renewal at $988 coming due in January 2010, I'm happy with the $500 + saving I've just made. All done over the phone on 0800 629 253. Jenna's email if you want to contact her is jenna.rowe@kiwibike.co.nz - I'm stoked I shopped around!

Originally Posted by toddyz

Gotta watch those protecta bastards, I insured my wee vt250 for $4500 agreed value 2 months later bike got stolen (who would want to steal one of those??!!) and they wanted to pay out $1800 cause thats what they thought it was worth. I had to go round bike shops and get quotes for market value these came back at $4000 but protecta only paid $2500 WANKERS!!

This was 15 or 20 years ago so may have changed their low life tendences but I'd still never touch them with a 10ft barge pole

Heya Toddyz, I was involved in a crash with my Triumph about 2 years ago and totalled the bike. Wasn't my fault. I had the bike for less than a year and had bought it for $15k. PROTECTA took less than 3 weeks to fully pay the $15k after i had done over 12000km, can't complain about that!

**BoristheBiter** · 12th January 2010, 07:52

Just got a qoute from Protector and they are trying to charge me $1234 for my bike. I am only paying 875 from State , and they have said i am insured for track days as long is it is for training.

**6ft5** · 16th January 2010, 12:46

Originally Posted by BoristheBiter

Just got a qoute from Protector and they are trying to charge me $1234 for my bike. I am only paying 875 from State , and they have said i am insured for track days as long is it is for training.

Got my quote back from Jenna, and with Vero I pay $950/yr and with Protecta $557/yr + I get AA Roadside Assistance thrown in !!

Thanks Jenna will call you next week

**6ft5** · 23rd January 2010, 10:06

Originally Posted by 6ft5

Got my quote back from Jenna, and with Vero I pay $950/yr and with Protecta $557/yr + I get AA Roadside Assistance thrown in !!

Thanks Jenna will call you next week

Done it saving myself a couple of hundies to pay for my upcoming rego

**hayd3n** · 23rd January 2010, 11:00

Originally Posted by BoristheBiter

Just got a qoute from Protector and they are trying to charge me $1234 for my bike. I am only paying 875 from State , and they have said i am insured for track days as long is it is for training.

did you go through a broker?

**BoristheBiter** · 23rd January 2010, 11:24

Originally Posted by hayd3n

did you go through a broker?

No went direct. they first quoted over $1600 and when i said WTF they dropped it to $1234.
i have a 65% no claims and they still come back with that nearly double. road side rescure is worth that much, and you only get 3 free a year.
Guess i will be staying with state.