Insurance...

**Ramius** · 16th November 2004, 08:07

Woohoo!

Thought I would just mention this totally pointless thing, I got my learners licence on the 8th of September this year, and only have a learners car licence, and I got full comprehensive insurance for my bike last week!

All other insurance companies would not touch me with a barge pole, so I had to manipulate the truth a bit and say that I had got a quote the day before hand, after a few tense moments with the agent seeing the team leader, she came back with those golden words, we'll insure you.

Yeah babY!

**Sniper** · 16th November 2004, 11:08

Cool, so who did you get insurance with?

Just remember that if you do have a spill or something, the insurance company do take a good, long, hard look at all your details and they are very quick to back out if they can pin wrong details on you.

It happened to a mate of mine and he lost out on a fair bit and had to fork out, all because he lied about something on his form

**Ramius** · 16th November 2004, 16:35

Originally Posted by Sniper_CBR

Cool, so who did you get insurance with?

Just remember that if you do have a spill or something, the insurance company do take a good, long, hard look at all your details and they are very quick to back out if they can pin wrong details on you.

It happened to a mate of mine and he lost out on a fair bit and had to fork out, all because he lied about something on his form

AMI. I went with AMI because that was the only place to touch me. And I won't be lying on the form. Just manipulated teh truth to get covered, and that won't be on the form.

Thanks for the heads up!

**Sniper** · 16th November 2004, 17:04

No worries, and good luck. Ride safe bro

**jase** · 16th November 2004, 17:04

AMI are getting greedy, they don't take into consideration how long youv'e been riding or how long youv'e had ya licence, now they go on what type of bike you ride...in my case a 1100 cc
They had a set number and that was that. But they were the cheapest for me so I have to stick with them. Oh well.

**SuperDave** · 16th November 2004, 17:11

Originally Posted by Ramius

Woohoo!

week!

All other insurance companies would not touch me with a barge pole, so I had to manipulate the truth a bit and say that I had got a quote the day before hand, after a few tense moments with the agent seeing the team leader, she came back with those golden words, we'll insure you.

Yeah babY!

HA HA, good stuff! Using the little bit of social engineering i see there

**FlyingDutchMan** · 16th November 2004, 17:15

I'm with AMI too - they seem to be able to sort things out very quickly. When some guy backed into my parked bike (he left his busness card in the petrol flap) earlier this year I got a payout (they wanted to write it off, but I still wanted it so they payed me about 80% of the estimated repair costs and let me fix it myself) in about a week.

And compared to what guys have to pay in europe etc (I did an Irish online quote once - it came up 6000euro third party only for my CBR250)... I'm not going to complain about our deal here.

**Blakamin** · 16th November 2004, 17:32

Originally Posted by FlyingDutchMan

And compared to what guys have to pay in europe etc (I did an Irish online quote once - it came up 6000euro third party only for my CBR250)... I'm not going to complain about our deal here.

HOLY SHIT!

thats about 5 cbr's!!!

glad AMI helped you, they wouldnt touch my Duc coz I dont own a cage....wtf???

**Sniper** · 16th November 2004, 17:35

Originally Posted by Blakamin

HOLY SHIT!

thats about 5 cbr's!!!

glad AMI helped you, they wouldnt touch my Duc coz I dont own a cage....wtf???

I know someone else they told that to. Wouldnt insure him because he didnt have house and contents either.

**Motu** · 16th November 2004, 18:07

Only bikes I've insurered were 2 I bought new back in the early 70s,they were on tick and had to be insurered.Once I figured out being on drip feed was a dumb idea,I also figured being insured was a dumb idea.If I wreck my bike myself...I fix it myself,if someone else wrecks my bike....they fix it.I've only paid more than 2 grand for a bike twice in my life - I live within my means and don't do dumb things I can't pay for.

**Blakamin** · 16th November 2004, 18:19

I'm only insured coz I had to.... damn finance... else i wouldnt bother

**SuperDave** · 16th November 2004, 22:02

What happens if some Porshe or a Ferrari pulls infront of you and you end up munting their rear end? Speak under correction, but because you hit them from behind isn't all the blame shifted to you? If you dont have insurance then you are screwed, paying back thousands in repair costs

**Motu** · 16th November 2004, 22:14

Yeah,pays to be careful eh? You should try it some day.

**Sniper** · 17th November 2004, 06:26

Originally Posted by SuperDave

What happens if some Porshe or a Ferrari pulls infront of you and you end up munting their rear end? Speak under correction, but because you hit them from behind isn't all the blame shifted to you? If you dont have insurance then you are screwed, paying back thousands in repair costs

Pays not to go around rear ending this unless you want to fork out money for repairs doesnt it?

It all comes down to if you are a good rider or not. If you are then you would be paying attention to the porche of ferrari, you would slow down, narrowly miss them and then blast past on the rear wheel showing your the finger

PS, I dont know if this can be done or not? Any ideas from the more experienced riders?

Moral of the story: Ride safe, be vigilant and you wont need to pay someone else money.

**Bonez** · 17th November 2004, 07:03

Originally Posted by SuperDave

What happens if some Porshe or a Ferrari pulls infront of you and you end up munting their rear end? Speak under correction, but because you hit them from behind isn't all the blame shifted to you? If you dont have insurance then you are screwed, paying back thousands in repair costs

One reason I have at least third party cover. $30 ish per bike a year isn't a hardship IMHO.