Can I be insured?

**adam1194** · 22nd September 2008, 18:39

Hey,
How could i get insurance on a 08 ninja 250 if im only 15?
cheers
-Adam

**hayd3n** · 22nd September 2008, 18:41

see if you can go under your parents insurence

**Nasty** · 22nd September 2008, 19:15

Hold the right license and you can be insured. if you don't they may only insure against theft and fire etc.

**CookMySock** · 22nd September 2008, 19:26

I think the insurance will be so costly it will not be worth it. It might be worth it for the person you crash into, but they are hopefully insured. LOL.

DB

**skidMark** · 22nd September 2008, 19:44

you can get your bike license at 15, provided you have your learner license i do not see the issue?

and you either do a really big paper run, or mummy loves ya.

**JMemonic** · 22nd September 2008, 19:48

See how you go if you have the right licenses should be fine just costly.

As to the comments above about hopeing that the person you crash into is insured
a) You really don't want to or intend to go out of your way to have a crash to test this.
b) If you don't have insurance in the case of a crash and you being found at fault the other party's insurance company has the right to recoup the money from you.
c) In an accident where you are found not to be at fault you don't have the legal backing that your insurance company has, it can be difficult in some cases to actually get the money you are owed for the repair or replacement.

**FJRider** · 22nd September 2008, 19:54

Talk to a few companys..... ask them...

**Little Miss Trouble** · 22nd September 2008, 20:09

Originally Posted by hayd3n

see if you can go under your parents insurence

+1
Get your parents to insure it under their name with you as the named rider, of course your excess will be rediculously high (think $750+) but at least you'll have some piece of mind in case it gets stolen or some uninsured fucktard crashes into you.

Alternatively, see if you can get your own policy, yes it will cost LOADS to start off with but after the first year your premiums will start to come down (provided you don't make any at-fault claims of course.) This in turn will help you later on when you need to take out further policies

**McJim** · 22nd September 2008, 20:14

Originally Posted by hayd3n

see if you can go under your parents insurence

That's not gonna work if mum and dad don't posess a 6L or above on their licence though is it?
"Hi I'd like to insure a 250 Ninja"
"How old are you?"
"46"
"Do you have a motorcycle licence?"
"Nope"
"Then we can only cover you for fire or theft"
"Cool - can my son be a named rider?"
"Yeah that will cost more than him insuring it as the owner since you have no entitlement to ride it"

Save you the trouble and call kiwibike insurance tomorrow - they'll sort you out better than this forum http://www.kiwibike.co.nz/

**Jerry74** · 22nd September 2008, 22:35

It will cost you a shit load to do, better to go 3rd party and wait til you have your full licence

**adam1194** · 23rd September 2008, 17:58

Hey,
Thanks for the replys.
Cost isnt too much of an issue, as im working 40+ hours a week and have no bills!!!
My parents both have motorbike licenses but im not sure if that would help???
Does anyone here have a bike insured somehow and are 15,16,17 etc???

Cheers,
-Adam

**1vanvan1** · 23rd September 2008, 18:10

Call the guys at Kiwibike Insurance on 0800 629 253.

So long as you have your license you should have no problem. Only it will probably cost you a fair bit.

They helped me out with mine and I was insured in less than 30 minutes!

**FJRider** · 23rd September 2008, 18:13

25 is the magic figure (age) when premiums lower. Ask a few insurance Coy's. Let your fingers do the walking.
Age 15 ...in Auckland...with a job ...WELL DONE...

**speights_bud** · 23rd September 2008, 18:22

I was 16 and got insurance on my 87 GPX (Ninja) 250R, there's no reason why you can't get insurance if you have all the proper licences etc. if nothing else at least get third party, then when you run into that $50,000 Audi (or my $1,500 Bomb) your arse is covered.