$4319.88 to insure

[Morcs]

Farking Ebike. Decided to run a quote to insure both bikes for when I get my full.

Yes I know its 2 bikes and ive got 3 suspension in the last 5 years, but jees i was expecting around $1000...

here was my quote details (I dont know why they would want to know about shit like removing indicators etc, they just use them to put the premium up.

Your Inception will take effect from:
0:00, 05/06/2008
Contact Details Cover
Title: Mr
First Name: *****
Surname: *******
Address: *******
************
**********
***********
Contact Tel: *************
Contact E-Mail: ************

Cover: Third Party, Fire & Theft
Class of Use: Social, Domestic & Pleasure (incl. Commuting)
NCD: 0
Rider 1
Gender: Male
Title: Mr
First Name: *******
Middle Names: ********
Surname: ********
DOB: 1987*****
M/C Licence: Full Licence
Years Licence Held: 1
Continuous Experience: 5
Previous CC: 1000
Ins Refused: No
Medical Conditions: Not Applicable
Unspent Convictions: No
Professional Sports: No
Claims: 0
Convictions: 3
: 2006-03-12, Roadside Suspension
: 2007-05-20, Roadside Suspension
: 2008-02-14, Roadside Suspension

Bike 1
Registration: N/A
Engine Capacity: 400
Bike: Suzuki DRZ 400 SM
Registered: 2008
Bike Value: 10000
Purchase Date: 2008-05
Garaged: Yes
Owned / Kept at Home: Yes
Postcode: 0661
Alarm / Immobiliser: None
Mechanical Devices: Oxford Monster Disc Lock
ID Systems: None
Modifications: 3
: Upgraded Air Filter
: Dyno Jet 1
: Exhaust - Increase capacity > 5%
Bike 2
Registration: N/A
Engine Capacity: 998
Bike: Suzuki TL 1000 S
Registered: 1999
Bike Value: 8000
Purchase Date: 2008-02
Garaged: Yes
Owned / Kept at Home: Yes
Alarm / Immobiliser: None
Mechanical Devices: Oxford Monster Disc Lock
ID Systems: None
Modifications: 7
: Indicators Removed
: Exhaust - No performance increase
: Crash Bobbins
: Change of Indicators
: Uprated Brakes
: Change of Screen
: Heated Grips

Not happy...

Will take all the extras off and stuff like that and see how it changes.

EDIT. Knocked off all mods and dropped value on each bike by $1k. Quote stays the same.
EDIT 2. Took off convictions, price dropped by $500 to $3601


Realistically, with any insurance company, how much are any of you guys (young preferably) paying to insure 2 bikes?

[mynameis]

Bugger boy! Clean up your act and stay fine free for the next 5 years and you'll see the preimum drop to less than $400.

[mynameis]

Farking Ebike. Decided to run a quote to insure both bikes for when I get my full.

Yes I know its 2 bikes and ive got 3 suspension in the last 5 years, but jees i was expecting around $1000...

here was my quote details (I dont know why they would want to know about shit like removing indicators etc, they just use them to put the premium up.



Not happy...

Will take all the extras off and stuff like that and see how it changes.

EDIT. Knocked off all mods and dropped value on each bike by $1k. Quote stays the same.
EDIT 2. Took off convictions, price dropped by $500 to $3601


Realistically, with any insurance company, how much are any of you guys (young preferably) paying to insure 2 bikes?

Bugger boy! Clean up your act and stay fine free for the next 5 years and you'll see the preimum drop to less than $400.

Yeap ya see how it works, it's not the mods it's your records! Harsh aye.

[Morcs]

Bugger boy! Clean up your act and stay fine free for the next 5 years and you'll see the preimum drop to less than $400.

I took off the fines, quote only dropped $500.

This is like a murder.

I really only want protection from theft, if I crash (well then its my own damned fault) and if someone else takes me out then they get taken to the cleaners by my lawyer.

In the UK, TPFT is a shite load cheaper than Full comp, whearas here the differerence is tiny.

[mowgli]

That's outrageous! And not even comprehensive cover.

[Badjelly]

I dont know why they would want to know about shit like removing indicators etc, they just use them to put the premium up.

But don't forget that omitting relevant information (i.e., information they think relevant, even if you don't) in an application gives them an excuse to declare the policy null & void if you make a claim.

[McJim]

$415 per year fully comp for a 2006 GSX750F
$312 per year fully comp for a 1998 Ducati 600ss

No mods, no convictions and I'm an old fart. Just thought I'd give you something to look forward to.

[Big Dave]

Welcome to reality.

[mynameis]

I took off the fines, quote only dropped $500.

This is like a murder.

I really only want protection from theft, if I crash (well then its my own damned fault) and if someone else takes me out then they get taken to the cleaners by my lawyer.

In the UK, TPFT is a shite load cheaper than Full comp, whearas here the differerence is tiny.

You're not 17 or 18 are you ?

Talk to Kiwibike man! They'll give you a good deal. Dave.

Or alernatively put it under your old mans name

[Morcs]

Id be better off putting $4k a year into a savings account as my own insurance policy... and every 3 years my own insurance would be able to buy me a new bike If i have an intact no-claims bonus.

[Morcs]

You're not 17 or 18 are you ?

Talk to Kiwibike man! They'll give you a good deal. Dave.

Or alernatively put it under your old mans name

Nah 21.

If I put it in my old mans name and I crashed into a ferrari, I wouldnt be covered. Most policies only cover unnamed riders if they are over 25.

[Meekey_Mouse]

Yes I know its 2 bikes and ive got 3 suspension in the last 5 years, but jees i was expecting around $1000...


Realistically, with any insurance company, how much are any of you guys (young preferably) paying to insure 2 bikes?

Lol,

I'm only insuring one bike and it's near on 1 and a half grand.... I've only had one speeding ticket.

It's the age and your record that's getting you

[mynameis]

Welcome to reality.

Lol you meant reality 101 BD.

[mynameis]

Nah 21.

If I put it in my old mans name and I crashed into a ferrari, I wouldnt be covered. Most policies only cover unnamed riders if they are over 25.

Aren't you only after theft and fire ? What would it cost if old man was to get full cover and you listed as a named rider ? Check .

[Morcs]

Aren't you only after theft and fire ? What would it cost if old man was to get full cover and you listed as a named rider ? Check .

Damn I closed the quote screen in disgust. Took me 15 minutes to go through it all...not doing again lol

Ill have a yarn with Dave at Kiwibike at somepoint, I think hes finished wallpapering so should be able to help