Can a rider on Restricted get full insurance cover?

[Ragingrob]

I'm sitting here believing that he means on a larger cc bike i.e. his hornet 900... Which as some people have said already is a no, as you'd be breaking the law if you were riding it. Unless they'd maybe still insure ya for fire and theft, just not while you ride it.

I had comprehensive and really cheap cover with State with my 250s and now am with NAC through Kiwibike with a pretty good deal on my 400.

[TOTO]

Damn I'm such an Idiot - the assignments have taken the better of me...


Lets try again:

Can a rider with Restricted licence get a full Insurance cover on a BIG (900cc) bike ????


I missed that little detail with the bold letters...


P.s. I currently have full comprihensive cover for my 250 with STATE.

[rie]

ahhhh gotcha. should've realised. i don't imagine you hootling around (your 250) without insurance, todd, you.

[Nagash]

I wouldn't imagine it would be very easy to get full cover on your restricted.. seeing as you wouldn't need full cover.. see as it'd never be on the road..

Yah know?

[TOTO]

Well it a bit of a long shot but who knows.

[Forest]

Can a rider with Restricted licence get a full Insurance cover on a BIG (900cc) bike ????

Without an exemption? No. It will be impossible to get full insurance coverage.

[Ragingrob]

Wait... I think that they probably would insure you, and you can pay the annual premium, and then if you crash still on your restricted, they just wont help ya.

And you'd have to pay for all damages for all involved, cause you would be breaking the law from the start.

How long till your full Todd? Apply for an exemption and see what happens.

[Salival]

I think you may find they'll insure you for it alright, but there will be a clause in the terms and conditions stating that if you're breaching the terms of your licence (driving drunk counts as much as being outside of you CC rating) they'll say sod off.

They'll say no for any reason they can, normally. Insurance companies are the only type of company that have entire divisions dedicated to getting them off doing the job you're paying them for.




KiwiBike are awesome people to deal with.

[TOTO]

No, I can insure it as a full licence no problem, But i'd rather be honest. thats why I am espessially asking if they will insure me on a Restricted. And i'm also recording the conversation if they say yes, so that if stuff happens and then they say "ou sorry ..." I have evidence.

The idea of the whole thing is to be insured legally on the bike. I hate cheeky business.

[Ragingrob]

No, I can insure it as a full licence no problem, But i'd rather be honest. thats why I am espessially asking if they will insure me on a Restricted. And i'm also recording the conversation if they say yes, so that if stuff happens and then they say "ou sorry ..." I have evidence.

The idea of the whole thing is to be insured legally on the bike. I hate cheeky business.

Todd they may "insure" you, but in any crash situation they will just be able to say you were braking the law so they can't help you out.

All insurance policies maintain that you must be following the law, whether they've said they'll insure you or not.

[Forest]

No, I can insure it as a full licence no problem, But i'd rather be honest. thats why I am espessially asking if they will insure me on a Restricted. And i'm also recording the conversation if they say yes, so that if stuff happens and then they say "ou sorry ..." I have evidence.

The idea of the whole thing is to be insured legally on the bike. I hate cheeky business.

With all due respect, it doesn't matter what the guy in the call-centre tells you on the phone.

An insurance policy is a very specific legal contract which explicitly states all of the obligations and responsibilities for both of the contracting parties.

If you read through the insurance contract you will find that riding outside the terms of your license will void the insurance coverage.

There is no way around this, unless you are granted a specific exemption to your license conditions by the NZTA.

[short-circuit]

There is no way around this, unless you are granted a specific exemption to your license conditions by the NZTA.

...Or if (as I said earlier) you got a little help from a friend

[TOTO]

You might have a friend on their full license who may want to "own" your bike for a period of time - then they could insure it?

Lol funny idea, but as I said - dodgy deals is not my middle name...

[Ragingrob]

You might have a friend on their full license who may want to "own" your bike for a period of time - then they could insure it?

But he'd still be uninsured as soon as he hopped on the bike.

[short-circuit]

But he'd still be uninsured as soon as he hopped on the bike.

Agreed - and in certain situations you'd be f@#ked - cops turn up, or if he's at fault, or gives out his name...but otherwise...well use your imagination.