Hit by a car

[Ragingrob]

Thats a nice way to fork out money for no cover. Insurance covers their ass by
by stating that if they find anything false then your cover will be terminated. If you have say you have a rest mc but only a learners...no payment, if you stated only your car details like in robs case..no cover etc. When I got insurance they asked a lot of questions, I was warned a billion times about falsities and all sorts of other crap. I rang state, under 25 is the age they do not under 21, your looking at 1500 dollar excess for a learner/restricted with 500 roughly premium. Not cheap. I have rung a lot of insurance companies believe me, I'm forking fuckloads out for comprehensive insurance.

What grinds my gears though is how 90% of motorcycle accidents will be rider at fault as a lot of the time no one else is involved i.e we hit oil and low side, slippery corner we low side, ice we low side, diesel ad you highside it, tire blowouts then crash etc. You can't judge a motorcycle with the same rules as you judge a car *cars don't fall over on as easily*. There should be different rules and stipulations where even if there wasn't another party, if evidence if given of an anomaly out of your control happened, then you are not at fault.

Cop out for the insurance company in my view. Especially with learners when they're like, that'll be 1500 bucks please....but your bike is worth only 3, and the remaining 1500 gets devalued cos they ring tim-bak-fucking-too to get a price so you end up with like 500 bucks in hand.

Sorry...rant over.

Hope you get better mate. Ring the police! Tell them. It will help you. If an accident ever occurs, ring the police..always.

OK... Drider...

So when they ask me, "How long have you had a NZ drivers license?", and I say "MC or any kind?", and they say "Any kind?", and I say "Car full for 4 years, but have only just got my MC learners", and they say "Oh we just need to know the first bit"... You're telling me I have no cover? Haha fuck off! You think I'm a dumbass or something? Yes of course I told them my MC license but that's neither what they asked for nor what they apparently needed.

Second point, I was looking at my STATE insurance policy when I typed this up, and the excess clearly "states" under 21 for being the extra $700. I would not just pull this shit outta my mouth, I like to know I'm speaking truths too. Not everyone else is wrong just because you've got an opinion on something. But thisn't even based on opinion, it's based on fact, and you're wrong.. Unless it's randomly changed to 25 over the past few months but I doubt that. Last time I checked, 21-24 year olds inclusive was an excess of $400. So that makes $800 excess.

I was paying $140 a year, with $1,100 excess due to my age, on a GN only valued at $2,200. Now on my CBR I valued it at 3 grand and I think it bumped up to $160 or something.

So, $160 premium, with either a $400, $800, or $1,100 excess sounds pretty damn good to me. As I'm not planning to cause a crash, I'm not planning to have to pay an excess so going with a low premium is ideal.

Maybe they just ask extra questions and charge more to people who have crashed before. Just as you'd expect them to.

[rie]

Thats a nice way to fork out money for no cover.

actually it states in my cover that i am an MC Learner but that I have been granted COVER EQUIVALENT to an MC Restricted because of my driving experience. that is what it means when i say "restricted for purposes of insurance"

it's a very rude assumption to say people would ignorantly "fork out money" to defraud an insurance company when i was legitimately saying it was possible.

perhaps your driving record didn't impress state. in any case i don't know why they wouldn't give you cover. but definitely not worth getting your panties in a knot on a forum

[sinfull]

State. Yep just checked to make sure, $140.70 for 12 months full comprehensive motorcycle insurance. Excess of $400, plus $700 if under the age of 21.

I wish !!!!

[Ragingrob]

I wish !!!!

Lol well yep that's what I'm paying and my State insurance cover policy has got it all down in writing

Just about to ring up and see what it's gonna be costing me to insurance a VFR400r worth $4,000. Will be interesting!

[sinfull]

Lol well yep that's what I'm paying and my State insurance cover policy has got it all down in writing

Just about to ring up and see what it's gonna be costing me to insurance a VFR400r worth $4,000. Will be interesting!

Well if ya add about .80c per cc you might just about hit it bang on !

[Ragingrob]

Alright guys, well I'm another one to say big ups to Dave at Kiwibike!

Here's the handout :

20yr old male.
Restricted license with CC exemption.
No crashes or criminal history ever.
1990 Honda VFR400r valued $4,000.

Now insured with NAC through Kiwibike.
$446 per annum.
$800 excess.

Put that in your pipe and smoke it.



EDIT : By the way, I had to change as State would not insure over 250cc for under 25yr olds.

[bungbung]

Now insured with NAC through Kiwibike.
$446 per annum.
$800 excess.

Is that like the NAC car policy where you have to pay another $800 excess if there is a third party claiming?

E.g. rear end a car, $800 excess for bike and $800 for the car

[Ragingrob]

Is that like the NAC car policy where you have to pay another $800 excess if there is a third party claiming?

E.g. rear end a car, $800 excess for bike and $800 for the car

I wouldn't have thought so but I guess I will see when I received the entire policy in the mail. Surely they would have mentioned that when signing someone up to it, otherwise it's kinda withholding information!

[bungbung]

Check the policy carefully. I got a nasty suprise from that with a car claim.

[Ragingrob]

Check the policy carefully. I got a nasty suprise from that with a car claim.

Will do, cheers for the heads up.

[Roki_nz]

State. Yep just checked to make sure, $140.70 for 12 months full comprehensive motorcycle insurance. Excess of $400, plus $700 if under the age of 21.

Take it thats with your full not your learners

[Ragingrob]

Take it thats with your full not your learners

As I've said in my posts, that was on my learners, a detail they did not worry about as they only wanted to know how long I've been on the roads with any kinda license.

[Roki_nz]

Yeah i replyed before reading the other posts. When i went on their web site and got a quote it said they would not insure me as i was a learner rider. I guess i will have to call up and try my luck

[Ragingrob]

Yeah i replyed before reading the other posts. When i went on their web site and got a quote it said they would not insure me as i was a learner rider. I guess i will have to call up and try my luck

Oh yeah, hmmm from my experience quotes have differed from the online quote to the phone quote. State insured me on the basis of my years of driving, have you got a car license?

Give Kiwibike.co.nz a try, talk to Dave, awesome guy.

[ital916]

OK... Drider...

So when they ask me, "How long have you had a NZ drivers license?", and I say "MC or any kind?", and they say "Any kind?", and I say "Car full for 4 years, but have only just got my MC learners", and they say "Oh we just need to know the first bit"... You're telling me I have no cover? Haha fuck off! You think I'm a dumbass or something? Yes of course I told them my MC license but that's neither what they asked for nor what they apparently needed.

Second point, I was looking at my STATE insurance policy when I typed this up, and the excess clearly "states" under 21 for being the extra $700. I would not just pull this shit outta my mouth, I like to know I'm speaking truths too. Not everyone else is wrong just because you've got an opinion on something. But thisn't even based on opinion, it's based on fact, and you're wrong.. Unless it's randomly changed to 25 over the past few months but I doubt that. Last time I checked, 21-24 year olds inclusive was an excess of $400. So that makes $800 excess.

I was paying $140 a year, with $1,100 excess due to my age, on a GN only valued at $2,200. Now on my CBR I valued it at 3 grand and I think it bumped up to $160 or something.

So, $160 premium, with either a $400, $800, or $1,100 excess sounds pretty damn good to me. As I'm not planning to cause a crash, I'm not planning to have to pay an excess so going with a low premium is ideal.

Maybe they just ask extra questions and charge more to people who have crashed before. Just as you'd expect them to.

Rob...mate...i didn't pull facts out of my ass. I have rung and checked and double checked figures with nearly all motorcycle insurance companies in auckland. I have had more insurance woes than you, now if they said that to you, good for you. I was merely stating that people have to be carefulk how they state facts to an insurance company as they can turn around and screw you over.

I's good your getting a good deal, but you can't just rattle off your policy and expect new riders to get the same deal or ask for it.

I wasn't getting agro at you so don't get agro with me. It wasn't an opinion, I have quotes from when I first got my motorcycle insurance stating under 25 etc, maybe you got lucky.

"I would not just pull this shit outta my mouth, I like to know I'm speaking truths too. Not everyone else is wrong just because you've got an opinion on something. But thisn't even based on opinion, it's based on fact, and you're wrong." - Rob Norris as name calling is a bad bad thing.