Motorcycle insurance poll

**Tricia1000** · 18th June 2006, 20:55

Hi guys and gals,
I would like to do a poll on the amount of people who have insurance, haven't got insurance, why you do or don't have insurance. What factors do you take into account when choosing an insurance company. I would appreciate it if you could either PM me, or email triciaoconnor@xtra.co.nz.
You may wonder the reasoning behind this survey.
Overseas I used to do insurance assessments for AON insurance. Then I would grade a rider accordingly, and they would get the allocated discount on their insurance.

For some people that would amount to a fair sized reduction on their insurance. I want to investigate whether the same sort of system might work here.

Tricia

**Gremlin** · 18th June 2006, 21:02

chuck up a poll in your thread then, with all the options??

**Titanium** · 18th June 2006, 21:14

Used a broker.....

Only considered Value of bike, my age, how long had licence.

Premium
- discount for $2000 excess
- discount for only 1 rider
- discount for limited kilometers per year.

Was then half of any other premium quoted.

Cheers

**ajturbo** · 18th June 2006, 21:25

This forum requires that you wait 30 seconds between posts. Please try again in 14 seconds.

none.....

**Tricia1000** · 18th June 2006, 23:55

Hi there, I would like to do that, but I am not really computer literate enough. I asked Frosty how, but only got an answer about starting a thread half way down the page. Anyway, it didn't make any sense to me.

My gripe at the moment is trying to get rid of the title "Scooter boy" under my name.

Originally Posted by Gremlin

chuck up a poll in your thread then, with all the options??

**Gremlin** · 19th June 2006, 00:34

hmmm, not sure you can start a poll after the thread has been started, I think a mod can, but I don't seem to be able to, after I have started a thread.

Either you can start another thread, with a poll, or, if you want, pm your options you want in the poll, and if you want multi-check (check boxes) or single answer (radio buttons).

The third option, don't know if its possible, is for a mod to add a poll to your thread, don't know if they have the permissions...

oh, don't have any insurance... would like.. but expensive for full cover

**onearmedbandit** · 19th June 2006, 00:47

Tricia, start a new thread and include a poll (you'll see the option for it down the page when you're writing your new thread). I tried editing your initial post to include a poll, but it seems as though I can't. Once you've started the new thread pm me and I'll merge the two.

**Gremlin** · 19th June 2006, 00:54

I've attached a screenshot, with what you need to select.

Check the checkbox, select the number of options, and write the post. When done, click submit thread. It will give an intermediate screen, where you write out the words for each option, and choose if you want multi-select, or single select.

You can also choose to have a public (everyone can see who has chosen what), or private (no-one - not even you, can see who selected what).

**XP@** · 19th June 2006, 09:25

Have insurance and would sit a rider assessment test if it lowered excess and gave me feed back on where I should be looking to improve my skills
lower premiums would be ok too, but not essential

**buellbabe** · 19th June 2006, 09:33

I have always had Fully comprehensive insurance... the reason being: worried about theft or it being damaged by some idiot cager... ;-)
A premium based on actual rider skill would be a brilliant idea!

**Tricia1000** · 19th June 2006, 09:54

Thanks for that. I will give it a go, when I get home from work tonight.
Tricia

Originally Posted by onearmedbandit

Tricia, start a new thread and include a poll (you'll see the option for it down the page when you're writing your new thread). I tried editing your initial post to include a poll, but it seems as though I can't. Once you've started the new thread pm me and I'll merge the two.

**Devil** · 19th June 2006, 10:40

You probably cant start a poll anyway because you're not a senior member.

**chickenfunkstar** · 19th June 2006, 12:15

I don't have insurance, I've studied a little bit of Expected Utility Theory at uni. If I'm willing to bear some risk I should be financially better off. Might consider getting it when i'm slightly older and have a bike that's worth more.

Good idea about the grading of riders. How would you know if they were a good rider or not though? Most people can ride pretty well when they know they're being assessed.

Anyone ever thought about making an insurance co-operative? Would this work in the real world?

**steved** · 19th June 2006, 15:15

Originally Posted by chickenfunkstar

Anyone ever thought about making an insurance co-operative? Would this work in the real world?

That's pretty much what insurance is now. I believe that most insurance companies pay out in claims pretty much what they take in in premiums (maybe 98% premiums paid as claims). They primarily are investment vehicles making their money investing your premiums.

**Tricia1000** · 19th June 2006, 17:52

Hi Guys and gals,
Thanks to those who have already replied. Your time is much appreciated. I think I have figured out how to do the poll now.
The first one is simply going to determine the most popular insurance company, so that I can then make a "plan of attack" so to speak.

All help and info much appreciated.

Tricia