That's it..

**James Deuce** · 19th February 2005, 08:34

I've had enough of F__king motorbikes.

I can't get theft cover for the bike.

I'm fucking selling it.

**Paul in NZ** · 19th February 2005, 08:39

Originally Posted by Jim2

I've had enough of F__king motorbikes.

I can't get theft cover for the bike.

I'm fucking selling it.

Eh?

You can't fully insure it? Why not??

Buy a Moto Guzzi 'cos they don't get stolen much and if they do you just need to go round up a few of the local mentally deranged street people as one of them will have mistaken it for a bridge and be sleeping under it.

Paul N

**James Deuce** · 19th February 2005, 08:50

The only theft cover I can get is if the bike was stolen out of a locked garage at my residential address, and it has to be chained. Oh, and I have to be at the house when the bike is stolen. It can't be "unattended" when it's taken.

I've rung all the motorcycle insurers this morning, and they all say the same thing.

**Will** · 19th February 2005, 09:14

:spudwhat: Are you trying to insure a Harley, rather than the 600?

We are with John Baker Insurance ph 0800 65 6264. Have you tried them?

Would hate to see you give up your bike.

**Rainbow Wizard** · 19th February 2005, 09:17

Originally Posted by Jim2

The only theft cover I can get is if the bike was stolen out of a locked garage at my residential address, and it has to be chained. Oh, and I have to be at the house when the bike is stolen. It can't be "unattended" when it's taken.

I've rung all the motorcycle insurers this morning, and they all say the same thing.

I reckon you've done us all a service by bringing that out in the open, there MUST be an alternative, some insure that will give theft cover provided the bike is left with some after-market anti-theft device operational e.g. alarm, wheel/brake lock or chain etc.

We could suss out the company offering the best deal, get EVERYONE to shift their bike insurance to that company THEN en-mass, threaten to cancel unless they extend their policy to cover theft under such circumstances.

Power to the people I say.

**Coyote** · 19th February 2005, 09:25

Full insurance for a dirt bike on a trailer only covers the trailer and the cage fully flipping over and stratching the bike.

**Oscar** · 19th February 2005, 09:28

Originally Posted by alarumba

Full insurance for a dirt bike on a trailer only covers the trailer and the cage fully flipping over and stratching the bike.

Common misconception. You can get full cover on a dirt bike, even an unregistered one - it just won't be covered for competition.

**Coyote** · 19th February 2005, 09:40

Originally Posted by Oscar

Common misconception. You can get full cover on a dirt bike, even an unregistered one - it just won't be covered for competition.

We wanted it covered for when the bike was in transit. We knew we wouldn't be able to get cover for competition. We were led to believe the insurance would pay for if one of the tie downs failed and the bike fell off the tralier and down the road. But the bike must be secured to get the insurance money, that means we would only be covered for the tralier and cage going off the edge of a cliff or doing a somersault and not making it. Plus the bike must be secured in a garage in your own property, then stolen to get your insurance money, and they won't pay if the bike is taken off the tralier by a theif then taken because then the bike is not secured to the tralier in the first place

**sedge** · 19th February 2005, 09:45

Um... Full cover is full cover isn't it ?... Mine covers theft, fire etc... Just not nuclear fallout, track use, war or terrorist attack... Heh heh lucky they don't know what I'm building in the garage

.

Third party on bikes had no fire or theft included, they said they just didn't do it.

But, when I asked really nicely they said they would cover the bike for fire and theft while it was in the garage locked up and not being used. This is what they called a restricted policy and didn't cost much more than third party. I went with full cover anyway.

Surely you could work something out with them ?

Sedge.

**James Deuce** · 19th February 2005, 09:55

Originally Posted by sedge

Um... Full cover is full cover isn't it ?... Mine covers theft, fire etc... Just not nuclear fallout, track use, war or terrorist attack... Heh heh lucky they don't know what I'm building in the garage

.

Third party on bikes had no fire or theft included, they said they just didn't do it.

But, when I asked really nicely they said they would cover the bike for fire and theft while it was in the garage locked up and not being used. This is what they called a restricted policy and didn't cost much more than third party. I went with full cover anyway.

Surely you could work something out with them ?

Sedge.

No I can't. The general Insurance industry are moving away from full cover for bikes by the looks of things. The only ones left who do it are AMI. State will if you have a long term history with them. I don't. Just got a good quote from AMI, and I have another lead to check out.

I will report back when I have more details.

**Joni** · 19th February 2005, 09:58

Damn Jim.... that is really pathetic!
Just dont sell the bike yet - just re-ask the questions before you make a big decision like that... There is a way... just find it mate!

Im sorry to hear this...

:spudwhat:

**Oscar** · 19th February 2005, 10:00

Originally Posted by alarumba

We wanted it covered for when the bike was in transit. We knew we wouldn't be able to get cover for competition. We were led to believe the insurance would pay for if one of the tie downs failed and the bike fell off the tralier and down the road. But the bike must be secured to get the insurance money, that means we would only be covered for the tralier and cage going off the edge of a cliff or doing a somersault and not making it. Plus the bike must be secured in a garage in your own property, then stolen to get your insurance money, and they won't pay if the bike is taken off the tralier by a theif then taken because then the bike is not secured to the tralier in the first place

Actually, most of those policies say "...collision or accident to the vehicle conveying..", so I wouldn't rely on it to cover a broken tie down.

**Paul in NZ** · 19th February 2005, 10:52

Without checking or getting into another insurance argument with Oscar...

I think I had a similar problem with my kayaks? I can't quite remember but I have them insured as a pleasure craft so they are covered if they fly off the car and get bent... Or bend something else.

Can't remember what happens if they get stolen on the beach - must check...

But Oscar - What about jims problem (no not that one, it's hereditary

) Are the insurance companies moving away from full cover as described and why? I don't think we have a huge bike theft problem here? Do we?

Paul N

**Oscar** · 19th February 2005, 11:17

Originally Posted by Paul in NZ

Without checking or getting into another insurance argument with Oscar...

I think I had a similar problem with my kayaks? I can't quite remember but I have them insured as a pleasure craft so they are covered if they fly off the car and get bent... Or bend something else.

Can't remember what happens if they get stolen on the beach - must check...

But Oscar - What about jims problem (no not that one, it's hereditary

) Are the insurance companies moving away from full cover as described and why? I don't think we have a huge bike theft problem here? Do we?

Paul N

I haven't heard of any big theft problem, certainly not any more than usual.
On the contrary, I've seen several new motorcycle insurance schemes launched in the last year or so.

The bottom line with motorcycle insurance is that the mainstream insurers don't want it. At best, they consider it an "accomodation line" - a cover you only offer to existing customers.

Sometimes, they just don't want your business...

The specialist insurers like Classic Cover pick the eyes out of the market. They only want the older riders with the high value bikes - they know these do much lower K's and are a much lower risk.

What you guys have to realise is that there's no such thing as a average motorcyclist. Insurers base their underwriting on several factors including age of rider, type and size of bike, riding/claims history and other business held. So a forty year old with a Harley is as scary to them as a twenty year old with a CBR600, but for different reasons. I know several underwriters who regard Harley's as uninsurable, yet one scheme specialises in them.

If I had to guess, I'd say Jim's problem stems from trying to insure a Jap Sports Bike so soon after a claim (of course I may be wrong).

These factors also make comparison of insurers impossible. If I say "I dealt with Fred from Ripoff Insurers and he was great.." it means little unless you know that I'm 44 and have insured a KTM.

Finally, let's not kid ourselves guys. We like motorcycles because they go fast...we can bleat all we like about cage drivers, insurance companies and traffic cops, but WE are the minority here. I always find it interesting that the guys who like to tell me about their latest wheelie/ speeding ticket/stunt/get off are the same idjuts that compalin long and loud about cops/insurance and car drivers.

We are a small fast moving dot in the average drivers mirror, doing something that they neither like or can relate too and almost certainly fear...be careful out there.