To insure or not to insure, That is the question

[sels1]

New Zealand is one of the most over insured countries in the world,and insurance is the scourge of responsable riding and driving.How many times have you seen a prang between a couple of flash cars,two well dressed young execs get out,exchange insurance company details and go on their way.The car goes to the panelbeater,they are supplied with a courtesy car,and carry on life as per normal,no consequenses for their actions,nothing learned.In fact,as I work close to panelbeaters I've seen courtesy cars pranged as they cross the road coming to pick their car up..

You make a valid point and I tend to agree with you - I try to keep my insurances down just to cover "worst case scenarios." However there are some things you have to insure really(like yr house) and I feel it is iresponsible not to have 3rd party on vehicles.

How many times on this site have we seen someone prang their bike,then the wait for the insurance payout so they can get a new one? I'm sure if the had to do and pay for the repairs themselves we might see a different approach to their riding....they just don't bloody care,it all gets taken care of for them.

The other side of that, I guess, is if you pay out all this money for insurance then you want all the benefits when you do have a prang.
And I suppose it keeps people employed.

[Ixion]

But, but, but ,but - don'tcha unnerstand how it works?. See, if you've got the magical gear, and the magical insurance, it doesn't matter how often you crash. Cos the magical gear will make it certain that you won't get hurt, and the magical insurance will replace your bike so you can go out and crash again.

If you didn't have the magical gear and the magical insurance you'd, uh, um, well, less see, um *shit* , furggen hell, you'd have to NOT CRASH. And that's like IMPOSSIBLE, cos everyone knows that crashes JUST HAPPEN. There's nothing you can do to prevent them, they just happen.

And anyway, what would be the fun of squidding if y'diddn crash. I mean, the crashes just HAPPEN. You can't do anything to prevent them.Stands to reason that everyone's gonna crash, there's nothing you can do to stop it.

So you've GOTTA have the magical gear and the magical insurance. And the gubberinment oughta pass laws to make magical gear and magical insurance compulsory for everyone. We need lots more laws , so as to make crashing safer.

[Oscar]

90% of bikes are on the infamous black list of insurance companies

....and you know this, how?

[Oscar]

There's some logic there. But what happens if you hit someone - while not insured? Who pays for the damage you could do? Do you get sued?

Motu rides like a Nana.
His major risk is being mistaken for a chicane.

[heavenly.talker]

Dude...to not insurance is simply madness in this day and age. Hubby has been riding for over 25 years but binned his bike recently. If we didn't have insurance it would have been 10,000 K down the dunny! As it stands, its only 1500 being flushed on the excess.
If you would like good insurance deals talk with Sarge or Cibby Chick.

[Oscar]

and about racing huh well, been there done that & i was racing against the likes of the king brothers i never saw the ass end of the field once

Got lapped early on did you?

SO FUCK YOU & YOUR BLINDNESS !

IGNORANCE IS BLISS ISN'T IT

No, ignorance is the caps lock.

[ducatilover]

New Zealand is one of the most over insured countries in the world,and insurance is the scourge of responsable riding and driving.How many times have you seen a prang between a couple of flash cars,two well dressed young execs get out,exchange insurance company details and go on their way.The car goes to the panelbeater,they are supplied with a courtesy car,and carry on life as per normal,no consequenses for their actions,nothing learned.In fact,as I work close to panelbeaters I've seen courtesy cars pranged as they cross the road coming to pick their car up.

How many times on this site have we seen someone prang their bike,then the wait for the insurance payout so they can get a new one? I'm sure if the had to do and pay for the repairs themselves we might see a different approach to their riding....they just don't bloody care,it all gets taken care of for them.

very valid point i have to say, take me for example: unisured bike with lots of damage, now i am facing the consequences and somehow accept the reality of my stupidness, if i was on a bike i could insure i would just go and pay 500 bucks and forget about it....although i'm gonna insure my next bike....

[T.W.R]

Got lapped early on did you?



No, ignorance is the caps lock.

HA! theres always a funny cunt somewhere! Nah never rode like i suspect you do

& numb-nut ! the caps lock ( upper-case!) is yelling

ignorance is riding around without any form of insurance ya twat

[T.W.R]

hmmm. i can just see Motu going round crying like a baby. does it all the time he does. and you must have a VERY large penis to have never seen the arse end of a field racing with the king bros. wow.

we wont go there about what i think of $%#@$$ saying what was said %$#@^%$#.

and i wont say how many years ago the Moto-x was & how many other big name riders were in the fields but Daryl & Shane were only regional champs at that stage, but it was awesome time, got a few holeshots but not many top placings but never got embarressed, lapped or played tail-end charley

[dhunt]

New Zealand is one of the most over insured countries in the world,and insurance is the scourge of responsable riding and driving.How many times have you seen a prang between a couple of flash cars,two well dressed young execs get out,exchange insurance company details and go on their way.The car goes to the panelbeater,they are supplied with a courtesy car,and carry on life as per normal,no consequenses for their actions,nothing learned.In fact,as I work close to panelbeaters I've seen courtesy cars pranged as they cross the road coming to pick their car up.

How many times on this site have we seen someone prang their bike,then the wait for the insurance payout so they can get a new one? I'm sure if the had to do and pay for the repairs themselves we might see a different approach to their riding....they just don't bloody care,it all gets taken care of for them.

I like your logic Motu I also don't have any insurance, I say all my insurance is in my head and try and drive/ride accordlying, ie if I'm really tired I drive/ride slower if I have to drive/ride at all or take the pushbike. Yes I would be gutted if I binned my bike but I don't owe any money on it so don't lose out too bad.

[Oscar]

HA! theres always a funny cunt somewhere! Nah never rode like i suspect you do

& numb-nut ! the caps lock ( upper-case!) is yelling

ignorance is riding around without any form of insurance ya twat

No, ignorance is yelling and name calling to make your point. Try using your inside voice, you'll feel much better.

Motu is quite entitled to not insure and share his opinions about the subject, much as you are doing in your adolescent fashion...

[marty]

we wont go there about what i think of $%#@$$ saying what was said %$#@^%$#.

and i wont say how many years ago the Moto-x was & how many other big name riders were in the fields but Daryl & Shane were only regional champs at that stage, but it was awesome time, got a few holeshots but not many top placings but never got embarressed, lapped or played tail-end charley

ooohh you're so strong..

[TLDV8]

I think you will find in Auckland anyway,that a lot of vehicles are NOT insured in any form,these people then have accidents but won't pay for the damage,yet for a pissy amount they could have been responsible and got third party.You could then guarantee if that same person was run into by another person with no insurance it would be a very different story.."Sorry mate,got no money,Sue Me..LOL..........one reason why the traffic department is overrun chasing this BS up..even if taken to court,the end result is more like $10 a week for a couple of months...A case of fine until it happens to you.?..Of course then as a added bonus,the people wanting the cops to get their money through the system will later probably say the cops should be out solving "real crimes" .... Third party on a TL1000 is 19c a day,anyone who can not afford that,can not afford to be on the road imho.

[Lord Alster]

Seems I've started something here. I expected everybody would have their own opinion on the subject but I didn't think it would get quite as heated as it has along the way. Everybody is entitled to their opinion and just because theirs is different to yours doesn't make either right or wrong. Just be prepared to pay for the damage at least to the other parties vehicle if you happen to cause an accident and don't at least have 3rd party. One very valid point that has been made is the value of the fairings on some of the big bikes like my FJR. These of course can suffer quite badly from a fairly minor accident, maybe full cover is warranted. Still undecided but investigating prices and options.
An entertaining discussion ladies and gentleman.

[Warr]

Just added 3rd party for my VFR today, $47.85 / year. With FMG (Farmers Mutual Insurance) 0800 366 466
Seems cheap piece of mind. They didnt want to know value just Year/Make/Model. & who was riding, previous claims etc etc !!
Didn't ask about speeding fines either so no lies told

edit: Add FMG name & number