Can a rider on Restricted get full insurance cover?

[TOTO]

Has anyone had full insurance cover for a BIG bike (i.e. 900cc) on a restricted licence ? if yes - what company ?

I know possibility for it happening is small but better try and fail than not try at all.

State have currently turned me down based on my restricted, but hopefully I can find someone else to take my money

All input appreshiated boys and girls.

[PirateJafa]

Call Kiwibike. You'll see their ads on this site.

You can even get full cover on your learners.

Of course, while you are on your learners/restricted you can only have full cover on <251cc motorbikes unless you have an exemption.

[boman]

Yep. I got full insurance cover thru AMI. Market value.

[Rosie]

I had full insurance from AMI on my learners and restricted. I didn't have any trouble at all getting insured.
But, I already had car insurance with them, and I'm old and sensible, so that may have helped.

[chubby]

Yes

In chch you can try golightly insurance services. They insure through Vero. They had a case recently where a restricted rider was taken out through no fault of his own and had his new bike written off. He was on a new bike in a matter of weeks. Phone 0800 800 786.

I'm not sure if this is the best place for insuring for Auckland but give them a ring, they may have contacts up there.

[short-circuit]

Yeah - you can have comprehensive cover on a 250cc bike or anything else below that capacity.

If you're riding a bike above that capacity you contravene the conditions of your license and are therefore breaking the law...so I think you'll struggle. Some insurance company might agree to set you up with a policy and collect your monthly premium but if things turn to shite on you they will definately not cover you for the above reason.

You may be able to get a larger capacity bike insured against fire and theft though if that's any help.

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?

[Nagash]

Hey Tod.. have you ever considered applying for an exemption?

You could probably get away with it.

Anyway, as mentioned above, kiwibike is the go.

[doozy]

Yes, as mentioned Kiwibike, covered me on 250 for restricted, covered my katana while it wasn't being ridden and then full cover on full license riding katana ... I'll plug them as well as being super friendly, efficient and pretty cheap ... I was with protecta who charged me double what kiwi did for the 250 and the katana ...

[bomma]

you'll find that all companies will cover all manner of bikes/bikers but the determining factors are your history and whether or not you have other insurance with them....most companies wont do stand-alone motorbike insurance.....

[sleeqe2000]

NAC will - they insured me on my learners fully comp and I had no previous insurance with them.

[PrincessBandit]

Yes

In chch you can try golightly insurance services. They insure through Vero. They had a case recently where a restricted rider was taken out through no fault of his own and had his new bike written off. He was on a new bike in a matter of weeks. Phone 0800 800 786.

I'm not sure if this is the best place for insuring for Auckland but give them a ring, they may have contacts up there.

Our 3 bikes are all insured through Dave Golightly and we've found him/Vero to be very obliging. AA wouldn't touch insurance for me while on my restricted despite (ahem) many years of being good customers of theirs and an old nana etc. When I finally got my full they still griped about the fact that I had only been on my full for less than 2 years....what the??? In the end we told them we had three bikes blah blah blah with 2 riders on full licenses and when they were finally ready to negotiate we told them stuff ya, we'll stick with who we're currently with cos they're waaaaaaaayyyy cheaper than you guys! Balu and RipperRoo 92 are both fully covered even though RR92 is still on his restricted.

[rie]

interesting... STATE fully covers me on my MC learners despite the fact that i am a young hoon (lol) and i've never had insurance with them previously. their logic was that i had been driving a car for 8 years and had no accidents that were my fault. very interesting indeed.

some of these positive reviews of MC-specific insurers however make me wonder if i should jump to greener pastures. hm.

[rie]

State have currently turned me down based on my restricted

addendum: when did you call, todd? i made a general inquiry in feb this year and they said (without knowledge of my history or driving experience) that they had no problem with MC restricted licence holders as a general rule...

hope you find a good place in any case

[CB ARGH]

I'm on ASB full cover insurance, only had the Learners for about 3 months when I applied. Really cheap too, excess ain't so bad, but let's hope I'll never have to pay it.

Bout $55 a month for my CBR250RR... Good 'ol ciblet.

[vindy500]

I had full insurance from AMI on my learners and restricted. I didn't have any trouble at all getting insured.
But, I already had car insurance with them, and I'm old and sensible, so that may have helped.

same except im not old