Thoughts?

[red mermaid]

Thats like the excuse you get from old people.

They tootle down the road causing all kinds of chaos and mayhem, then when it is suggested to them that their driving is no longer of an acceptable standard they tell you how they have being driving for 50 years and never had an accident and are a safe driver.

I understand where your coming from and think its just plain wrong. Not wrong as 'its not like that' but wrong as in 'it shouldnt be like that'

Yes I ride faster than some. Yes I get caught ALOT (its damn shocking really.... but thats another story). So on one side of the equation... I get speeding tickets all the time.. on the other.. I have never had an at-fault claim on insurance. Doesnt history show that I am min risk?

[R-Soul]

However, an insurer that specialise in bike insurance will normally look upon loss of licence from speeding as part of being a motorcycle rider. They'll still want to know the circumstances of how you lost it and may impose a higher premium as a result, but they shouldn't change your cover type.

IMO reducing your cover to 3rd party is a bit of a stupid thing to do anyway as you can't claim for 3rd party damage if you aren't legally allowed to ride the bike. If they were going to reduce the cover, it should have been to Fire and Theft only (or Fire, Theft and Transit if they offer it), as these are the only things you can claim for - and they should definitely have reduced the premium as well.

It's also pretty slack that they never notified your broker.

Thereisn't an insurer on the planet that would insure him on the road without a license. Because any accident he has is his fault because he is on the road illegally.

There was no reason to stop his bike insurance at all - if its for his bike and not for him. Its not to say that other people wont ride his bike legally. And if he crashed it without a licence they would simply not pay out as he was unlawful at the time.

PS hear it again cowboyz? "Accident waiting to happen". Not my words...
Also if you want to build a better insurance profile, do the advanced courses and track daysa nd superbike school - that will help reduce premiums (but dont quote me on it), and get some speed out of your system. The fact is that the road is just not a place for speed. As a dad, I always ride with the idea that a kid could jump out at any time, or a dog (even faster and more difficult to spot). The road is just too unpredictable for speed.

[Owl]

Because any accident he has is his fault because he is on the road illegally.

Not true!

By that logic, any accident you're involved in would be your fault if you had no WOF or vehicle licence.

[cowboyz]

Thereisn't an insurer on the planet that would insure him on the road without a license. Because any accident he has is his fault because he is on the road illegally.

There was no reason to stop his bike insurance at all - if its for his bike and not for him. Its not to say that other people wont ride his bike legally. And if he crashed it without a licence they would simply not pay out as he was unlawful at the time.

PS hear it again cowboyz? "Accident waiting to happen". Not my words...
Also if you want to build a better insurance profile, do the advanced courses and track daysa nd superbike school - that will help reduce premiums (but dont quote me on it), and get some speed out of your system. The fact is that the road is just not a place for speed. As a dad, I always ride with the idea that a kid could jump out at any time, or a dog (even faster and more difficult to spot). The road is just too unpredictable for speed.

perception is a funny thing huh? maybe the way Im percieving the way you percieve me is more interesting.........

firstly.. background.

I dont think I ride fast. Not all the time anyhow.. But really really unlucky in some repects. I got pulled over 5 times in a month to lose my licence. One of those way my fault absoutley. 2 of them I had a cop folllowing me for at least 10k (who I knew was there) and my GPS logger said I never exceeded 107km/hr however the cop managed to get me at 111. I disputed it and it got refused.
I have been riding for 20 years. I have completed every defensiive driving course availiable in NZ. I ride every single day. I have taught an untold ammount of people (including my wife) how to ride confidently and safely. Yes I do exceed the speed limit.. Some might even say I ride very fast but oops moments are very rare when I am on the bike. I dont exceed my limits on the road. I attend trackdays and training days... the ones I can get to.. You certainly dont want to get me started on the whole... attend trackdays and learn to ride on the track cause it will make you a better road rider. I have yet to see a road with the width of a track and with the same camber of a purpose built racetrack. I am also a father of 3 and teach my kids to stay the fuck off the road. I am not gods gift to riding.. Even on the track there are plenty of guys who can easily leave me in their wake. But Im not a showpony either. Im happy with the skills I have built up over the years and certainly do not think I am an accident waiting to happen. No matter what Mr policeman would have you believe.

[cowboyz]

Thats like the excuse you get from old people.

They tootle down the road causing all kinds of chaos and mayhem, then when it is suggested to them that their driving is no longer of an acceptable standard they tell you how they have being driving for 50 years and never had an accident and are a safe driver.

meh

Im actually a bit offended that I be compared to old people. I dont cause chaos or mayhem. Im actually pretty considerate all things considered.

[Meanie]

meh

Im actually a bit offended that I be compared to old people. I dont cause chaos or mayhem. Im actually pretty considerate all things considered.

But you are old

[sinfull]

Might be time to replace that "i wont get lost contraption" you have mounted on your bike for a "i wont get caught contraption" !

[cowboyz]

I tried a wont get caught contraption and still got booked! 118k just south of Kaitaia. I mean! there is 2 people who live up there and only one of them has a road legal car and he is a cop!

[Mully]

Not true!

By that logic, any accident you're involved in would be your fault if you had no WOF or vehicle licence.

I don't think it's so much "fault" as "Insurance company will tell you to go jump"

My understand (and I'm only a Bush Lawyer) is that an insurance company can only refuse to pay out if the issue is (or could be) material to the event which caused the claim.

I.E. They can refuse to pay out if you have no WOF (as the vehicle might be faulty), but they can't refuse to pay out if you have no vehicle licence.

In this case, if the OP had an accident with a suspended driving licence, I would suspect it would be unlikely that the insurance would pay out as he would be operating the vehicle illegally.

[cowboyz]

back to the bush then cause this has been tried a heap of times!

[Mully]

back to the bush then cause this has been tried a heap of times!

D'oh!

I'd better go slap my insurance guy in the face then. Actually, I'm sure he said it was in the Legislation.

Lying sonofabitch

[dogsnbikes]

But you are old

Once he relise's that things will make sense

PS hear it again cowboyz? "Accident waiting to happen". Not my words...

I wouldn't say Cowboyz is a accident waiting too happen but can understand that is the view people and insurer's have Its all a numbers game,their wouldn't be a single motorcyclist here that hasn't exceeded the speed limit,the difference is some get caught other's don't,and it doesn't help that your radar detector goes off after the cop car has been parked behind you for 5 or so minutes after he has pulled you up....but thats another story

And he is certainly not Fast,not in the way some think but he is a smooth rider..........

I'm not saying its OK too speed,Hell even I have had tickets .... generally its look at a cat and mouse game between motorcyclist and cop's,in this instant cowboyz has been the mouse more often than the cat

Really mate Once your legel again Caution is your best freind

[Mully]

D'oh!

I'd better go slap my insurance guy in the face then. Actually, I'm sure he said it was in the Legislation.

Lying sonofabitch

Lucky I checked before I went and slapped him

Insurance Law Reform Act 1977

Section 11

the insured shall not be disentitled to be indemnified by the
insurer by reason only of such provisions of the contract of
insurance if the insured proves on the balance of probability
that the loss in respect of which the insured seeks to be
indemnified was not caused or contributed to by the happening
of such events or the existence of such circumstances.

But then, that's no vehicle licence, not a suspended driving licence, which I suspect the insurance company will claim is material to the claim - i.e. you lost your licence because you were a danger (not my opinion, but that's what they'll reason) and that could have contributed to any claim.

Just out of curiousity, what amount is your bike insured for?

[cowboyz]

and it doesn't help that your radar detector goes off after the cop car has been parked behind you for 5 or so minutes after he has pulled you up....but thats another story


hmmmmmmmmmmm........... or when your following a bike doing 150k/hr to have him slow down and pass him doing 115 and have a cop sitting round the next corner...........
And he is certainly not Fast, ...

thanks! and you just say that cause your comparing me to the honda!


Really mate Once your legel again Caution is your best freind

or I could just get a zx10... yes.. that should solve everything.................

[huff3r]

I dont think I ride fast. Not all the time anyhow.. But really really unlucky in some repects. I got pulled over 5 times in a month to lose my licence. One of those way my fault absoutley. 2 of them I had a cop folllowing me for at least 10k (who I knew was there) and my GPS logger said I never exceeded 107km/hr however the cop managed to get me at 111. I disputed it and it got refused..

Hang on, so you knew you were being followed by a cop and didnt exceed 107? They can still do you for that if they want to. Surely if you KNOW you're being followed then you wouldnt exceed 100? I stick to 99.5 whenever theres a cop around!

But I do agree that you shouldnt be paying a full-insurance price for third party cover. Thats just ridiculous.