A warning to all

**lucksgottachange** · 7th October 2008, 11:15

Hi guys I watch these threads quite a bit but have never posted. I thought I would post this about an Insurance company that I'm having a world of problems with NAC.

Now here is the first problem I signed up with Insurance with who was the cheapest, I have not claimed in Ten Years so thought going for the cheapest would be the best way to go.

Well I was wrong I crashed my bike from gravel on the Road as it is alot of the time of year. I will be honest and on claim form I said I was doing 100 kph round a posted 75 corner

and thought o well at least I have cover, I have a full license and never had it suspended and when I took the bike into the shop they asked who my Insurance company was I said NAC they said good luck having your bike back quickly as one of there other NAC had been waiting more than 2 months for work to start on his bike.

Now with Riding weather not lasting long enough there is no way I would want to wait that long so I get a claim form and fill out it completly, I send it through and call them up and they confirm they got it and they will get in contact with the shop. Thought cool this will be easy, go to the bike shop to follow up on the bike 3 weeks later still sitting off to the side waiting for approval from the Insurer so I call up and try and light a fire under NAC.

At this time they say they don't have a claim form so I resend it and confirm receipt and ask for an email at this time to confirm receiption and so that they can't wessel out,

Well it's 2 weeks down the track and they have yet to approve the claim but have sent me out a renewal which I refuse to pay as I still don't have a bike to insure over 5 weeks after the Accident and I'm not sure that they will pay out because I was going faster than the posted speed and have said that my speed may have caused the crash

A couple of Questions

1 Will it effect my claim if I don't renew.
2 Can an insurance company decline a claim if I didn't get charged by the Cops
3 What can I do to speed it up
4 I talked to Kiwibike Insurance and they said I could go through them to Star what do people think of both companies.

**R6_kid:Me** · 7th October 2008, 11:25

I'd hazard a guess and say that you still would have crashed if you'd gone through at 100kmh. NAC are just being lazy, there is another thread on here from a guy who was told by one of their reps that he shoudnt ride his bike on the road as it was 'expensive'...

Kiwibike are a bloody good bunch, they are the only company that took me on as I have a crap history, Dave is a biker, and a bloody nice guy, and will make sure that you will never recieve the sort of bullshit treatment that you are getting from NAC.

In fact, Kiwibike acted so quickly that in one instance a member on here managed to write off two ZX-10R's within 3 weeks (his original and a replacement from the insurance payout), he now has the third one, still in one piece last time i checked!

**vifferman** · 7th October 2008, 11:30

1. Dunno - probably not
2. I don't think they have reason to decline your claim - it's got nothing to do with whether you were going faster than the recommended speed, as you were at fault anyway (no other party involved).
3. Keep hassling them - phone them every day.
4. Kiwibike are excellent.

**firefighter** · 7th October 2008, 11:38

Your all good dude, if you were in a 100km area and took a 75 posted corner at 100 it doesn't matter, they are only a suggested speed not compulsory speed.(unless your bike doubles as a logging truck)
Write them a letter not too threatening but mentioning the Small Claims Court, I bet you'll get approval very quickly as the mitigator will more than likely make them pay for the rental of a motorbike for the time you've had to wait due to their blatant lack of action (this very thing happened with my brother so I speak the truth, in fact it's so similar it's scary!)

Also, if you go to insure with star or swann, go through a broker, you will get it cheaper, I literally yesturday phoned swann directly, was quoted $485 a year for full cover, with a 10% surcharge for paying monthly, I then phoned kiwibike straight after, and now pay $320 for full insurance and no surcharge for monthly payments, oh yeah and the lady from swann was a bitch (she really fucken was a dirty dumb bitch), kiwibike staff were very friendly and helpful, pretty funny considering they're under-written by swann, swann must hate people dealing with them directly or something?!!!

**BOGAR** · 7th October 2008, 12:20

[QUOTE =lucksgottachange;1759939] I will be honest and on claim form I said I was doing 100 kph round a posted 75 corner

QUOTE]

Its is a posted limit not a legal one i.e it is only a recommended speed limit that is there for all road uses. as long as you were in a 100km zone you should be ok.
Good Luck.
Just about to change my insurance from NAC to Kiwibiker.

**raftn** · 7th October 2008, 12:34

Kiwi Bijer are good guys, i strongly recommend them.

**mnkyboy** · 7th October 2008, 13:32

Originally Posted by raftn

Kiwi Bijer are good guys, i strongly recommend them.

+1

Spoke to Rebecca last night at KB to organise some insurance - was the easiest 7 mins I've spent on the phone to any company.

**sinfull** · 7th October 2008, 13:40

Originally Posted by firefighter

I then phoned kiwibike straight after, and now pay $320 for full insurance and no surcharge for monthly payments, oh yeah and the lady from swann was a bitch (she really fucken was a dirty dumb bitch), kiwibike staff were very friendly and helpful, pretty funny considering they're under-written by swann, swann must hate people dealing with them directly or something?!!!

I guess thats what brokers are all about ! They would put a fair amount of money into swanns coffers, they'd get the hell deal and look out if they reneg on one of daves policies haha i'd say he'd have a few companies that would love to have the work that comes his way !

**smokiesam** · 7th October 2008, 13:52

After buying a near new bike thought I better get full insurance as only had 3rd party prior through state. Rung state to get a quote found my car was insured twice and I was not getting discount for having my house and contents with them as they are though the bank but still state. Rung KB more than helpful great price and so easy. State no longer has any of my business well done KB.

**Gremlin** · 7th October 2008, 14:43

Go speak to Kiwibike...

Both bikes I have had with them so far have been insured before I have even picked them up, with a temporary cover.

They make it easy, and only deal with good quality companies.

**bully** · 7th October 2008, 14:54

to good for that man, star are assholes too.

**jrandom** · 7th October 2008, 15:02

Originally Posted by R6_kid

In fact, Kiwibike acted so quickly that in one instance a member on here managed to write off two ZX-10R's within 3 weeks (his original and a replacement from the insurance payout), he now has the third one...

Just don't ever try mentioning that gentleman's name to Star Insurance in the same sentence as "list as a rider on my policy..."