Advice on insurance?

[mossy1200]

I don't pay for insurance.
I think my wife pays 800 for me though.

[Padmei]

My 3rd party is with AMI, cost is $26 annually. No inside contacts. House,contents and wifeys car with them as well, but didn't make any difference to bikes cost when I asked.

Yep i'm with AMI & costs $29.00 a year. My bike is a lot shinier & cooler than Woodmans tho.

[brp]

Cheers OP, Padmei and Woodman - will contact AMI

I use to think insurance was a waste of money - but after a house fire and
earthquakes - you never know, try to strike right balance of not being
over-insured or under-insured ...

[Oscar]

(sigh)

Please don't buy insurance by price.
Ask around about claims service.
Go to one of the many specialist motorcycle insurers.


If you ask nicely I'll tell you what it was like to have my near new BMW assessed by a ex-panelbeater who new fuck all about bikes but was a staff assessor for one of the IAG Group (NZI, State, AMI).

[Owl]

If you ask nicely I'll tell you what it was like to have my near new BMW assessed by a ex-panelbeater who new fuck all about bikes but was a staff assessor for one of the IAG Group (NZI, State, AMI).

Nothing unusual there, though they're generally amenable.....generally.

[arkeye]

I'd definitely talk to the guys and girls at kiwibike.co.nz.

Always reasonable for both road and race bikes. Always happy to have a chat about what you need. and ALWAYS go out of their way to help you with a claim.

[Cpt Lepi]

Also recommend Kiwibike,

Sorted me out with insurance for what I was up to. Excellent service after my bike got stolen as the claim was initially declined but they got it reassessed and approved. Kept me well informed but did all the work.

[Padmei]

Bu why would they dissmiss a claim if a bike was stolen or in an accident causing damage as long as you are licensed & have WOF etc?
If I had an expensive sought after bike I might feel different but all I want to do is have my arse covered if i hit a porsche (like my mate did when I was a teenager)

[brp]

Bu why would they dissmiss a claim if a bike was stolen or in an accident causing damage as long as you are licensed & have WOF etc?
If I had an expensive sought after bike I might feel different but all I want to do is have my arse covered if i hit a porsche (like my mate did when I was a teenager)

Maybe with kiwibike being a middleman they went into bat for their client after the actual insurer said no first time round


Rolling in the $30 club now - $27.90 to be precise - cheers

[Cpt Lepi]

Maybe with kiwibike being a middleman they went into bat for their client after the actual insurer said no first time round

Thats what happened just to be clear. Actual underwriter declined the claim as I didn't get the guys drivers licence, short version is that it was up for sale and a guy came to look at it, asked if it started ok and then took off on it. They (underwriters) declined the claim as per exclusions in the policy schedule but kiwibike argued that it was an unreasonable request and not in the spirt of the policy and got the decision overturned.

[brp]

Some cheeky buggers about ..... is taking someones license before they do a test drive of your vehicle expected protocol with all insurance companies ?

"Nice action Kiwibike Insurance"

[Oscar]

Some cheeky buggers about ..... is taking someones license before they do a test drive of your vehicle expected protocol with all insurance companies ?

"Nice action Kiwibike Insurance"

Comes under "due care and attention".
Kiwibike were very generous, I can't see many insurers doing that.

[brp]

Cheers

Had car yards ask for it or they take a copy, good idea with all the potential
flaws in the old skool kiwi way of - "Here are my keys - that's my car over there"

[Cpt Lepi]

Getting someones licence details befor a test ride is a requirement in most policies if test rides aren't just excluded altogther. As for my case the 'buyer' and I never got that far and he rode off whilst I was standing there talking to him. First thing that came into my head was that he can't be stealing it as hes not even wearing a helmet which in hindsight is logic that only applies to someone that obeys the law. Kiwibike are a broker not an insurance company and therefore dont have a conflict of interest.