Learner insurance?

[wynw]

Fair enough, I was thinking given that the post was about learner riders you had a learner rider bike. Out of curiosity, what does it cost to insure a superbike? (if you don't mind me asking)

nope, been a while since i had a learners and back them didnt bother to insure it
superbike was $100+ per month

[kevinator9]

I'm on a learners with NAC about $25-$30 per month for full insurance. They also insure you for anything you ride (or even drive!) 3rd party as part of your policy. I haven't had any claims though so can't comment on that.

[Stevee2]

Leaners here for AMI $28/ month full cover, but also have car, contents with them too.

[Ulsterkiwi]

kiwibike.co.nz are excellent.

Got my insurance no problem on my learners and extended it to cover gear. Had an off, bike was written off, cheque in my bank account within 10 working days, replacement helmet in same time, gear sorted bit after that. Reinsurance? not a problem, bit more expensive naturally but they kept the excess the same and even knocked a bit off because I came back to them. Really easy to deal with, quick to reply to phone or email, the girls there are really on the ball.

[cbfb]

Fair enough, I was thinking given that the post was about learner riders you had a learner rider bike. Out of curiosity, what does it cost to insure a superbike? (if you don't mind me asking)

1. Do your restricted it's not hard once you get into it.

2. NAC are my choice of insurance.

3. An R1 $5000 is $42/month for me (33 yr male) compared to a 250 Bandit $12/month. Should give you an idea

[f2dz]

Avoid a broker if possible, unless they give you a much better deal than going direct. I had my last bike insured through Kiwibike and it was quite painful dealing with them and Star Insurance simultaneously. They seemed like a pointless middle man to me, slowing down communication.

I have a VTR also and looked at getting it insured through Kiwibike just for the hell of it. They gave me a good quote through Swann but then I ended up going to Swann direct and got an even better deal. So long as you've not just turned 18 and don't have any bad insurance history, Swann should be able to sort you out.

They give excellent rider gear cover and roadside assist also. For the record, I wouldn't insure with Star Insurance again either. Reason being that in the event of a claim they'll take your whole premium, regardless of whether or not the accident was your fault or if you're on a monthly/yearly payment plan (if you're monthly they just take it out of your payout). Swann mentioned that they may or may not do this and that they evaluate it on a case by case basis. May be a bunch of bs, but at least it's not a certainty.

[G4L4XY]

Another + for Kiwibike, Dave there is really friendly, they're onto it with updating address details via email.

Added gear cover just in case and the included roadside assistance is rather nice.

I'm paying a bit more than $41 a month though, course im <30

[Ulsterkiwi]

Avoid a broker if possible, unless they give you a much better deal than going direct. I had my last bike insured through Kiwibike and it was quite painful dealing with them and Star Insurance simultaneously. They seemed like a pointless middle man to me, slowing down communication.

I have a VTR also and looked at getting it insured through Kiwibike just for the hell of it. They gave me a good quote through Swann but then I ended up going to Swann direct and got an even better deal. So long as you've not just turned 18 and don't have any bad insurance history, Swann should be able to sort you out.

They give excellent rider gear cover and roadside assist also. For the record, I wouldn't insure with Star Insurance again either. Reason being that in the event of a claim they'll take your whole premium, regardless of whether or not the accident was your fault or if you're on a monthly/yearly payment plan (if you're monthly they just take it out of your payout). Swann mentioned that they may or may not do this and that they evaluate it on a case by case basis. May be a bunch of bs, but at least it's not a certainty.

I had a very recent experience with Kiwibike and Star and didnt find that at all. I contacted Kiwibike about my screw up (accident implies noone was at fault). They got me to complete the form, notified me a Star assessor had been appointed, he contacted me and I dealt with him directly. Kiwibike then processed the payment to me for the bike, gear and helmet came directly from Star. All done in just over two weeks. My understanding was that taking the premium for whole year was a standard insurance industry practice? My ex wrote off a car...twice...(for this and MANY other reasons I am glad she is the ex) both times this was the drill. First time I have heard of it being up for negotiation.

[Gremlin]

Reason being that in the event of a claim they'll take your whole premium, regardless of whether or not the accident was your fault or if you're on a monthly/yearly payment plan (if you're monthly they just take it out of your payout). Swann mentioned that they may or may not do this and that they evaluate it on a case by case basis. May be a bunch of bs, but at least it's not a certainty.

Standard is that insurance is paid up front on a yearly basis. To ease the pain you can pay in monthly installments, but it will cost more than paying the whole year up front.

Have a look see, I'd suspect this is the case.

[BuzzardNZ]

I assume all who have full insurance also have a garage clause? ( i.e. must be in a garage at night )

[EJK]

Fair enough, I was thinking given that the post was about learner riders you had a learner rider bike. Out of curiosity, what does it cost to insure a superbike? (if you don't mind me asking)

Superbike insurance may vary but for my bike, my FULL COVER insurance detail is:
*Under 24 years old
*Have a fully sheltered garage
*Lives in Canterbury, Christchurch
*Under 1 year of ownership
*Had bike license for over 6 years
*No previous history of crime/ naughty/ loss of license/ caught for excessive speeding etc

I pay just under $60/month for a 2007 ZX10R. Not bad considering I paid around half the amount for a 150/250cc bike I previously owned. Double the cost, but quadriplemillion more of preformance.

My insurance cost may go a bit lower when I turn 25 next year (excess will drop to $500 from $1000 currently).

P.S. +6 on Kiwibike

[f2dz]

Standard is that insurance is paid up front on a yearly basis. To ease the pain you can pay in monthly installments, but it will cost more than paying the whole year up front.

Have a look see, I'd suspect this is the case.

That's another good thing about Swann. I had a yearly amount quoted to me but opted to pay monthly instead. I'm not paying an additional amount for paying monthly, which is nice. I had to pay extra with Kiwibike/Star.

All in all I found Star to be great directly, minus the premium thing, which doesn't sound fair at all if you're not at fault. My reasoning for this is that if you didn't have insurance at all you'd actually be better off in a not at fault accident as you wouldn't have to pay money due to no fault of your own. But yea I've heard that taking the whole premium is standard practice, even from the Insurance Council of New Zealand when I emailed them about it.

I assume all who have full insurance also have a garage clause? ( i.e. must be in a garage at night )

Depends on your policy. My old one did but new one doesn't. Might depend on the value of the bike too.

[Gremlin]

I assume all who have full insurance also have a garage clause? ( i.e. must be in a garage at night )

Nope, full insurance, no garage. But I can't have some cheaper policy options because it's not in a garage.

[baffa]

97 Intruder $25ish per month
07 CBR1000RR $48ish per month.

Kinda helps to have package and staff discounts.

Oh and yeah, writing off the years premium is standard practice, I wouldnt quibble too much considering how much they just paid you.

[haydes55]

22 years old on full license in Hamilton. I'm with Protecta. Garaged clause. Roadside assist, $500 helmet cover and $7000 worth of Z1000 fully insured for $40/month.

Yes I've made a claim with them before. Paid out no hassle (was slow service through the repair shop though).

Kiwibike sounds more expensive