JOHN BAKER INSURANCE -how good are they?

[Cr1MiNaL]

Im with state.

1 - $345 full insurance 1 year
2 - $350 excess
3 - $500 excess for any other rider.
4 - $7000 full comprehensive insurance.

I never had insurance before, I am on my learners.

cant beat that I was totally shocked and asked if they had made a mistake

Holy crap mines almost thrice that but then again I am under 25. Hate it when that happens.

[Biggles2000]

Talk to Tim at JBL.
JBL provide insurance to the Ulysses club at a very good rate. I have had insurance with JBL for 4 years with no claims yet. All I can say is I have never heard a bad thing of JBL from other Ulysses members to date.

[Robbo]

Been with John Baker Insurance for many years now and would'nt consider any other insurer. Used to deal with Keith but am not sure if he is still there anymore but their service and friendliness has always been tops in my opinion along with their support of the motorcycling community.

[NOMIS]

Holy crap mines almost thrice that but then again I am under 25. Hate it when that happens.

I'm only 20 mate...

[Lias]

I love getting older!

I hit 30 in a few weeks, ad as my insurance just came up for renewal I thoguth fuckit and rang classic cover to see if they'd cover me even though i wasnt quite 30.

Happily insured with them now, 6.5k cover for 330 a year with a $300 excess. Compared to 640 a year with 800 excess i previously had.

[Oscar]

Talk to Tim at JBL.
JBL provide insurance to the Ulysses club at a very good rate. I have had insurance with JBL for 4 years with no claims yet. All I can say is I have never heard a bad thing of JBL from other Ulysses members to date.

Now I'm not getting at you specifically here, Biggles (as you are representative of a lot of similar comment here):

How do you know how good your insurer is, if you haven't claimed?

I see a lot of comment here along the lines of "Ring so and so, he'll do you a good deal" or "I got the best premium from Company X"

How do you know it's the best premium, if you haven't made a claim? How do you know if your insurer is still going to be here when you make the claim?

What we should be asking here is:

• For people who had claims to report their experiences.
• What is the financial rating of the company?
• Is it in fact an insurer you're dealing with at all? Many of the so called "Insurance Companies" listed here are actually Agents or Underwriting Agencies

An Underwriting Agency is one that actually is not an insurer at all. They are simply master agents for another insurer. Nothing wrong with that, as long as you know who that insurer is (and the Underwriting Agency can actually swap insurers, so that one minute you're insured with company X, the next with Company Y).

While we're at it, and I'm warming to a rant: I get tired of the shameless self-promotion that goes on here - on most Boards it would culled out for what it is: SPAM , and thrown in the Vendors Section.

One of the self promoters proudly said that they didn't deal with any insurer that was rated "A" or better - the insurer that was recommended was actually listed by the Govt. Actuary as "A-" - now when I was at school, that wasn't "A or better".


And lastly a word on Brokers. A "Broker" by definition is one that seeks the best deal for you based on premium, financial soundness and claims experience. Some of the Brokers mentioned on this board only use one insurer (hell, the "Broker" in the thread title actually owns Star Insurance).

Is your broker placing your business because it's good for you, or because they get a better commission rate, because they are actually Agents for a particular insurer or because their boss owns the company?

[Cr1MiNaL]

Now I'm not getting at you specifically here, Biggles (as you are representative of a lot of similar comment here):

How do you know how good your insurer is, if you haven't claimed?

I see a lot of comment here along the lines of "Ring so and so, he'll do you a good deal" or "I got the best premium from Company X"

How do you know it's the best premium, if you haven't made a claim? How do you know if your insurer is still going to be here when you make the claim?

What we should be asking here is:

• For people who had claims to report their experiences.
• What is the financial rating of the company?
• Is it in fact an insurer you're dealing with at all? Many of the so called "Insurance Companies" listed here are actually Agents or Underwriting Agencies

Oscar I am so glad some people are actually reading and analyzing the thread as you are. What I was wondering was if you pay the premiums and don't have any claims, your happy and your insurer ( broker ) is happy.

What happens then if you do have a claim, how good are they to deal with? This is not only a concern for myself but a concern to all bikers out there. If we have a claim we want to be on our bikes as soon as possible don't we?

How good are John Baker Insurance with regards to claims? - I've had a couple of people who have advised me via this thread and rep that they are pretty efficient and fair.

Any more....?

[Disco Dan]

Im with state.

1 - $345 full insurance 1 year
2 - $350 excess
3 - $500 excess for any other rider.
4 - $7000 full comprehensive insurance.

I never had insurance before, I am on my learners.

cant beat that I was totally shocked and asked if they had made a mistake

yeah thats pretty good... assuming your bike is surgically attached to your body and you never have any need to contact them again... let alone make a claim...

Mention the words "stolen" and "claim" to State insurance... *hehe* ...you may as well be talking on a giant pretend phone.

Both times i've made a claim they dragged it out for over 6 months, then only paid a tiny amount of what the vehicle was insured for.

Seriously dude, I would be getting on the phone to Jetboy and get yourself some decent insurance.

After all, insurance means you save money - as in, when your bike/car is stolen/crashed whatever, that you actually get what you insured it for.

I was with them for 5 years without making a single claim - then when I did, they treated me like a criminal and made me wait without transport for 6 months while they decided if they should pay out or not.

They are a bunch of cunts to put it bluntly.

Oh and I have friends insured with Protecta, lets just say they actually employ a group of people to find and reason - no matter how tiny and insignificant to decline your claim, and they take their sweet time doing it too.

[Cr1MiNaL]

Right well I'm never getting insured with STATE after that. Word of mouth is so powerful.

[Disco Dan]

Right well I'm never getting insured with STATE after that. Word of mouth is so powerful.

You would think that 5 years of no claims and religiously paid premiums would have built up some sort of level of trust....

nope.


PM Jetboy

[Pussy]

Our experience with JBI when we made a claim on Gassit Girl's SV650 was about as painless as it gets. JBI could see that the accident wasn't Annie's fault, and got the excess back to us pronto. The bike came back as new, any part in the prang that was damaged had been replaced.
Quite honestly, mate, go with JBI... you won't regret it

[BMW Grandad]

I've been with John Baker Insurance for about 15 years or more and had 2 claims in that time.

1st one (Triumph Sprint) an oncoming car U-turned in front of me and hit the bike without damaging me too much but causing a few thousand dollars damage to the bike. JBI paid out for the repairs immediately with no hassles at all.

2nd one (Triumph Tiger) a truck changed lanes into my bike on the motorway in the rain. I managed to jump off, the bike slid under the truck and was written off; I escaped with a broken arm. JBI paid for a new bike instantly again with no hassles. I can't recommend them highly enough; as far as I am concerned they are great and I have repaid them by having had no mre claims in the past 10 years!

[NOMIS]

yeah thats pretty good... assuming your bike is surgically attached to your body and you never have any need to contact them again... let alone make a claim...

Mention the words "stolen" and "claim" to State insurance... *hehe* ...you may as well be talking on a giant pretend phone.

Both times i've made a claim they dragged it out for over 6 months, then only paid a tiny amount of what the vehicle was insured for.

Seriously dude, I would be getting on the phone to Jetboy and get yourself some decent insurance.

After all, insurance means you save money - as in, when your bike/car is stolen/crashed whatever, that you actually get what you insured it for.

I was with them for 5 years without making a single claim - then when I did, they treated me like a criminal and made me wait without transport for 6 months while they decided if they should pay out or not.

They are a bunch of cunts to put it bluntly.

Oh and I have friends insured with Protecta, lets just say they actually employ a group of people to find and reason - no matter how tiny and insignificant to decline your claim, and they take their sweet time doing it too.

Shit you serious ... hmmm something to think about every else I got its been lowest $800 for the year and $1500 excess. Ive told them the entire truth about my driving history ect . Dont no what to do now lots of peopel I have told have said the same thing.

[Disco Dan]

Shit you serious ... hmmm something to think about every else I got its been lowest $800 for the year and $1500 excess. Ive told them the entire truth about my driving history ect . Dont no what to do now lots of peopel I have told have said the same thing.

Yeah, hey look I am sure there is at least one person in their entire history of trading that they actually treated well and payed out - but I checked the guinness book of records and could not find him/her.

It's a business at the end of the day - they want to make money.

Why would they pay out if they could save thousands of dollars by just saying your premium is overdue by .01 cent so no insurance. Or some other feeble excuse.


Not worth the hassle, go with someone that actually wants repeat business from it's customers - PM Jetboy!

[NOMIS]

yeh i guess well they cant say that one to me i payed them the full amount for a whole year..