Insurance. Is there such a thing as a good deal?

**ColonelSponz** · 19th March 2008, 16:34

I'm on my restricted and I ride a Honda CBR250R (J). I just got a letter from my insurance company advising me that it was nearly time to renew my cover. I'm currently with Vero but have no loyalties as such other than looking out for a good deal.

ANyone got any advise on a good place to go for an excellent deal (be there such a thing in that smouldering morass that is the insurance world) on insurance.

O, I'm looking for total cover btw.

Cheers guys!

p.s, if further info is required then just ask...I'm a bit lazy and have work in a few min so can't sit round typing stuff out.

**Mom** · 19th March 2008, 16:36

Originally Posted by ColonelSponz

I'm on my restricted and I ride a Honda CBR250R (J). I just got a letter from my insurance company advising me that it was nearly time to renew my cover. I'm currently with Vero but have no loyalties as such other than looking out for a good deal.

ANyone got any advise on a good place to go for an excellent deal (be there such a thing in that smouldering morass that is the insurance world) on insurance.

O, I'm looking for total cover btw.

Cheers guys!

p.s, if further info is required then just ask...I'm a bit lazy and have work in a few min so can't sit round typing stuff out.

Next time you log in mate, do a search on insurance, you will find no end of information about it, including some very strong recommendations about what company to use. I have to go and cook dinner so dont have time to do that for you and post the links!

**Coyote** · 19th March 2008, 16:37

There's no such thing as a good insurance deal, just one that's cheaper than the rest

**Unit:Me** · 19th March 2008, 16:40

We're with Kiwibike, awesome people to deal with and cover things like unspecified riders etc.
Also John Baker has a good reputation. There are now bike specialist insurers, if vero is not one of these I suggest you shop around as its good to be with an insurer who understands motorcycling.

**James Deuce** · 19th March 2008, 16:59

http://www.kiwibiker.co.nz/wiki/index.php/Insurance

**ColonelSponz** · 20th March 2008, 08:15

thanks mum. I just keep on forgetting about the search bar thing.

**CookMySock** · 20th March 2008, 08:33

There is no good "insurance" deal.

Insurance companies are a business. They must take more money than they pay out, or they would go broke. Overall, riders WILL pay more than they receive or else there wouldn't be an insurance industry.

If I fall off, I'm going to walk crooked for the rest of my life. If I fall off at high speed, someone else is gong to wipe my arse for the rest of my life. It's going to SUCK. A LOT.

Do the math. Don' fall off. No rocket science!

DB

**DingoZ** · 20th March 2008, 15:05

Originally Posted by DangerousBastard

Do the math. Don' fall off. No rocket science!

DB

Don't get that, can you guarantee that you or anyone else is not going to fall off, or be involved in an accident...?

And what happens if his/her bike gets stolen..?...Or they have an accident where someone else's property is damaged. Not only be paying for their bike repairs but the other persons property as well....

Insurance makes a lot of sense. I pay about $40 a month and am covered for everything. full replacement, theft, other property damage, tow/salvage, replacement vehicle if bike written off until new one gained...etc...the whole kit and kaboodle........ Would rather pay and have the security of all of it being there if needed than not have it, and need it..

**Japtwin** · 20th March 2008, 17:32

No well chances are everyone will have an off with varying degrees of pain, sadness, cost but you have to way up the cost vs likliehood. D Bastard is correct all insurance companies will take more off the average policy holder than they pay out. Just as it is a gamble not to insure, so it is to insure, if you will be one of the ones making them a profit or not.
I've had no vehicle insurance for 8 years now so have a few grand in saved premiums on that side of the ledger. (well I would if I'd saved it)

**klyong82** · 20th March 2008, 19:51

+1 Dave at Kiwibike...... www.kiwibike.co.nz

**Usarka** · 20th March 2008, 19:57

Tony's Discount Insurance and Ranch Sliders - 98 Kolmar Road Papatoetoe (09) 262 1292. Can't be beat.

**Yanosh** · 1st April 2008, 11:30

We're lucky here in NZ... Over in the UK you'd be paying around 5-10 times more for insurance! Even in Aus it's about 3 times more!

My R1 costs me under $400 here, which would cost over 1000 pounds in the UK... insurance is a bargain over here!

**Timati** · 1st April 2008, 12:46

Anyone use StarInsurance?

Insurance makes a lot of sense. I pay about $40 a month and am covered for everything. full replacement, theft, other property damage, tow/salvage, replacement vehicle if bike written off until new one gained...etc...the whole kit and kaboodle........ Would rather pay and have the security of all of it being there if needed than not have it, and need it..

Which company do you use?