Insurance clause...

**trailblazer** · 21st December 2009, 22:50

i got quotes off state and kiwibike and state was half the price for the same cover and all my gear up to $2000 is covered under my contents policey. I also deal with insurance companies everyday at work and state are easy to deal with. Not saying that kiwibike isn't easy to del with though.

**Phreak** · 21st December 2009, 22:59

I think if you go with a bigger insurance company like State or Tower etc, you'll get a better price if you have 'home, contents and vehicle' as a total package, however, I approached kiwibike.co.nz as specialist motorcycle insurance brokers and they got me a really good deal...

**Big Dog** · 21st December 2009, 23:31

Originally Posted by SMOKEU

They quoted me a ridiculous sum of money for full cover. I opted to go for NAC instead as they were the cheapest.

Are you on less than a full license?

NAC are great if you have a particularly sporty vehicle or less than full license. Outside of that they are pretty average.

Real value comes at claim time. I have never claimed with them but others tell me of lengthy proccessing times.

Oh and NAC quoted me for the same policy at $300 more.

**popelli** · 22nd December 2009, 07:59

Originally Posted by KrazyGixxerBoy

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use!

If you have anything half way decent you will have it chained down anyway

but find another insurer as they are looking to have a clause not to pay out

**crazyhorse** · 22nd December 2009, 08:13

Originally Posted by KrazyGixxerBoy

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use! I asked him if he bolted his tv to the floor when he left the house....

Anyway, I flatly refused and after being on hold for another half an hour while he talked to the underwriters, he came back and said it would be ok if I fitted a disk lock.

Just wondering if anyone else has come across stupid clauses like this?

If you are over 30 - contact Classic Cover. They are very reasonably priced and great to deal with. However, if you are under 30, or on a 250 or less, they will not insure you.

**Mr Merde** · 22nd December 2009, 08:17

Originally Posted by KrazyGixxerBoy

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use! I asked him if he bolted his tv to the floor when he left the house....

Anyway, I flatly refused and after being on hold for another half an hour while he talked to the underwriters, he came back and said it would be ok if I fitted a disk lock.

Just wondering if anyone else has come across stupid clauses like this?

This is a quite common clause in the UK.

I had a mate there whos bike was stolen when the thieves broke in through the roof of the garage and got to it.

I had one stolen when they took down a brick garden wall to get at the bike.

Looks like they are taking the UK's lead on security.

**Colapop** · 22nd December 2009, 08:32

Insurance companies are hesitant to insure him coz he's a hoon!!

**StoneY** · 22nd December 2009, 08:47

Originally Posted by KrazyGixxerBoy

Hi all,

Just insured my bike today (as I only recently got my full licence

) and the guy from State told me that my bike had to be bolted to the floor in my locked garage when not in use! I asked him if he bolted his tv to the floor when he left the house....

Anyway, I flatly refused and after being on hold for another half an hour while he talked to the underwriters, he came back and said it would be ok if I fitted a disk lock.

Just wondering if anyone else has come across stupid clauses like this?

Plonkers, my bikes exactly same as yours, its only a Suzuki, not very high on theft list, and is covered even in my driveway on only steering lock as at factory

The Ducati has a garage clause, but only has to be IN a locked garage, and it 5x the value my suzy is (monetary value, emotional isnt a factor LOL)

**KrazyGixxerBoy** · 22nd December 2009, 09:07

Originally Posted by *Col*

Insurance companies are hesitant to insure him coz he's a hoon!!

who asked for your opinion?!?!

**KrazyGixxerBoy** · 22nd December 2009, 09:08

Originally Posted by crazyhorse

If you are over 30 - contact Classic Cover. They are very reasonably priced and great to deal with. However, if you are under 30, or on a 250 or less, they will not insure you.

Ummm, not quite there yet...getting close though! 2011 I might give them a bell...

**KrazyGixxerBoy** · 22nd December 2009, 09:12

Originally Posted by popelli

If you have anything half way decent you will have it chained down anyway

but find another insurer as they are looking to have a clause not to pay out

Depends on your definition of "half way decent". Sure, my gixxers getting long in the tooth now but shes a classic I would't trade for the world! If ever there was a bike (to me) worth chaining down it would be my Suzy.

**crazyhorse** · 22nd December 2009, 09:23

Originally Posted by KrazyGixxerBoy

Ummm, not quite there yet...getting close though! 2011 I might give them a bell...

Costs me about $470 per annum to insure my GSXR1000 - worth thinking about

**davebullet** · 22nd December 2009, 11:16

The red flag goes up when it's a sports 1000cc+ model. Is your garage fully secured / locked? Is it attached to another structure that isn't secured? It does seem odd this question is asked when it is fully locked. I know this question is asked when the bike is parked in a carport, near the street etc.. but not when a fully locked / secured garage