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Thread: Insurance

  1. #16
    Join Date
    20th November 2002 - 03:11
    Bike
    Registered. For now...
    Location
    Tauranga
    Posts
    1,627

    Thumbs up

    Hmmm...

    State have been OK with me over a couple of car claims, but I have never had a bike claim.

    How many bikes do you want to insure, Wari?

    If more than one, give Eric Wood Motorcycles in Christchurch a call. They can put you on to a broker who has a deal going with Royal & Sunalliance where you insure your most valuable bike, specify any others and they will cover whichever one you are riding. This at a premium less than what State want just for the one bike!!

    The only downside I can see is that if your garage burns down, they will only pay for the insured loss, so you may wish to find some extra cover for such disasters.

  2. #17
    Join Date
    20th November 2002 - 11:00
    Bike
    SW-125R(F4-TF125), ZXRD400, RD250LC
    Location
    Wellington, New Zealand,
    Posts
    5,963
    Blog Entries
    36
    I've had good experiences with AMI. First write they pay back $1000 more than I pay for the bike (no mods). Second write I brought the wreck and they paid $500 more than I did. Have hassles with the house cover though. Premiums are high - but they pay out quick. (2000 ZRX1100 = $1052/yr)

  3. #18
    Join Date
    22nd October 2002 - 11:00
    Bike
    honda nc30
    Location
    levin
    Posts
    106
    I pay $652.85. With AMI.40% No claims. 1999 SV 650S Almost twice what i pay for my car (1998 Nissan SSS sentra)which cost almost 3 times as much to buy.

  4. #19
    Join Date
    20th November 2002 - 11:00
    Bike
    SW-125R(F4-TF125), ZXRD400, RD250LC
    Location
    Wellington, New Zealand,
    Posts
    5,963
    Blog Entries
    36
    Yeah $650 roughly what I paid on my ZX6R. Brought the 1100 and bite me - it's over a grand!

  5. #20
    Join Date
    21st October 2002 - 11:00
    Bike
    xs400 -
    Location
    WAitakere City , NZ
    Posts
    1,120

    I wonder ...

    If its worthwhile just getting 3rd party insurance and then tuckling away whatever they'd like to charge for full insurance into an account somewhere ... might build up to be a tidy sum indeed !
    THe hand's farster than the eye ... keepan eye onda feet .. .

  6. #21
    Join Date
    23rd November 2002 - 19:10
    Bike
    1985 Kawasaki Gpz750 A3
    Location
    New Plymouth
    Posts
    9
    Have a look at www.kiwibike.co.nz
    The guy who runs it is a motercyclist who has done most of the Rustynuts rides over years.
    I got no insurance cause I fix what gets broke.
    Third party I should have, but if I poleaxe a urban assualt vehicle at speed...
    Risk you take

  7. #22
    Join Date
    21st October 2002 - 11:00
    Bike
    CharlesidealOB
    Location
    Auckland
    Posts
    1,950
    Blog Entries
    10
    Anyone heard of John Baker Brokers. They are underwritten by Star Insurance. I was at Coleman’s today looking at the new SV1000s and they recommended them. They quoted just over $1000 to insure the new 1k SV. Apparently they are popular with Ullysses club members.

  8. #23
    Join Date
    22nd October 2002 - 11:00
    Bike
    Sold
    Location
    Coromandel Town
    Posts
    4,420

    Thumbs up Yep, I'm with them

    They insured my 'bird fully comp for under $900 on account of me having full no claims and being a responsible oldie

    State, who insure our cars wanted $1300 and NZI wanted a bloody sight more than that.  When a mate came over from the UK, John Baker couldn't have been more helpful in fixing up temporary cover.  From my experience, they deliver exactly what they promise.

     

  9. #24
    Join Date
    11th May 2003 - 17:14
    Bike
    99 cr125
    Location
    Auckland
    Posts
    136
    im with Protecta insurance....... it costs me $630 ( with a no cliams bonus )a year to insure my 92' zx-2r......... kinda expensive but kinda neccasary. it made it very hard trying to find insurance because not many companies wanted to know me..... not because i had a bad record ( the opposite in fact ) but because it was a bike. But hey, $630 is totally kool with me in case some asshole decides to rip off my bike :-)

  10. #25
    Join Date
    25th October 2002 - 12:00
    Bike
    Old Blue, Little blue
    Location
    31.29.57.11, 116.22.22.22
    Posts
    4,864
    Through Swann - $540 a year for the bike.

    But my work van is $950 a year!
    “- He felt that his whole life was some kind of dream and he sometimes wondered whose it was and whether they were enjoying it.”

  11. #26
    Join Date
    6th March 2003 - 16:47
    Bike
    farmquad
    Location
    Hunua
    Posts
    1,226
    State(NRMA) can go %&$#@ themselves as far as I'm concerned and I'll gladly help. stay well away.
    I'm with the kiwibike.co.nz guy. His Name's Dave. I like dealing with him cos he's straight up and knows his stuff. He is in New Plymouth. He gave me 3 plans to choose from I think it's about a $900 premium on a $14k bike.I think my excess is $2k.
    I ring him to tell him about my mods and he says it's fine and helps id it if stolen/recovered.

  12. #27
    Join Date
    9th March 2003 - 11:00
    Bike
    Triumph Daytona 650 in RED
    Location
    Te Puke, NZ
    Posts
    856
    I'm with Dave at Kiwibike too, and I've had nothing but good experiences with him. I was originally with Protecta thru him, but changed to Swann last year due to lack of service from Protecta during a claim last year, and he could get me a better deal thru Swann (who I've dealt with in the past and found reasonably good).

    Dave's 0800 number is: 0800 629253

    It's really nice when you call up your Insurance Broker and he recognises your voice and remembers what bike you ride & where you live.
    "Women & cats will do as they please, and men and dogs should relax and get used to the idea." Robert A. Heinlein

    "Do not meddle in the affairs of cats, for they are subtle and will piss on your computer." Bruce Graham

  13. #28
    Join Date
    6th March 2003 - 16:47
    Bike
    farmquad
    Location
    Hunua
    Posts
    1,226
    anyone see fair go last night?
    this guy hands his car over on friday night in exchange for forged bank cheques. The people on-sold it sunday and shot through with the $$$. The car now belongs to the new buyer.
    State refused to pay the guy out saying it wasn't his car that was stolen, it was actually the money for that car so, stiff bikkies You loser go get another mortgage on Your house to pay it off. STATE: THE OBVIOUS(RIP OFFs).
    btw, everyone beware of that scam, don't let the vehicle go till you see the money cleared. and beware of the State scam where they use words to beat You out of Your money on a technicality. They do not like paying for stolen vehicles.

  14. #29
    Join Date
    17th June 2003 - 17:34
    Bike
    HMX 5000
    Location
    Browns Bay, Orc-land
    Posts
    186
    I've been hunting out a better insurance deal, as I am currently with AMI and hoped I could get cheaper some place that specialised in motorcycle cover, and this is what I've found:

    value of bike $10,000
    (I'd be lucky to get this privately, but thats what Haldanes have for the same bike in worse nick )

    AMI: (40% no claims)
    annually : $654
    monthly : ~ $60 ( $654/12 * 1.09)
    excess : $500

    John Baker: (online quote)
    annually : $867
    monthly : ?
    excess : $1000 (are some options that change premium)

    Swann: (called personally)
    annually : $612
    monthly : $57 ($680/year)
    excess: $500 accident, $1000 theft (factory immobiliser will lower this)

    Swann: (via dave@kiwibike.co.nz)
    annually : $706
    monthly : $65 ($780/year)
    excess: same as above I guess

    Procteca: (via dave@kiwibike.co.nz)
    annually : $845
    monthly : ?
    excess: 15% of value to max. of $1000. theft $2500

    Star: (via dave@kiwibike.co.nz)
    annually : $995
    monthly : ?
    excess: $1250 + $200 if at fault. theft $2000



    so the long and the short of it (above being the long), is that my current deal with AMI is probably the better, or maybe Swann



  15. #30
    Join Date
    20th April 2003 - 12:53
    Bike
    Sadly none!
    Location
    Kerikeri BOI
    Posts
    30
    I went to State when i bought my bike over here, and he told me not to bother insuring it cos the excess would be $1000. Guess my bike's just too crap to mention! Is it worth me getting insurance though? I know it's not compulsory over here, but do you recommend it?
    Who gives a f**k, let's ride!

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