Dirt bikes on home & contents insurance policies?

[Dave89]

Does any know of an insurance company that includes dirt bikes on home contents insurance or is this an urban myth and everyone has a seperate policy, ?

[B0000M]

we just renewed our contents policy, with state, for the last few years they have told us that its fine to have 2 jetskis listed on the contents policy and they would be covered - they were also listed items, then the person we dealt with the other day at state told us that was all wrong and that they could not be covered like that and therefore the 'cover' we thought we had was invalid.

this pisses me off because it seems that people at the insurance co can tell you something is insured but really it isnt... which would mean that unless you specificly have a seperate policy on each individual item they could weazel their way out of most claims.

on that note my bikes are on a seperate policy

[barty5]

we just renewed our contents policy, with state, for the last few years they have told us that its fine to have 2 jetskis listed on the contents policy and they would be covered - they were also listed items, then the person we dealt with the other day at state told us that was all wrong and that they could not be covered like that and therefore the 'cover' we thought we had was invalid.

this pisses me off because it seems that people at the insurance co can tell you something is insured but really it isnt... which would mean that unless you specificly have a seperate policy on each individual item they could weazel their way out of most claims.

on that note my bikes are on a seperate policy

yeh is shit thats the same problem i had i was just lucky they cocked up and rewrote the policy after it was stolen (which they normally cant do ie the cock up they made)

[warewolf]

Contents is an interesting area. Get it in writing before you hand over any money... AMI in particular is a franchise and the staff/manager can make different decisions at different branches or even the same one! So shop around if you are in a big city with multiple branches. Find a bike-friendly staff member and try to always deal with them.

Document items (eg dirt bike/jetski) with photos. We lost out in a burglarly claim due to not having enough evidence of a piece of heirloom jewelry, so they paid almost nothing.

I'm with John Baker Insurance under their 'fleet' cover. It's cheaper to have my unregistered dirt bike lumped in with the 'road' bike for full comprehensive cover of the fleet, than to have two separate policies with the dirt bike only fire & theft. They may also be sufficiently cheap to insure your dirt bike separate from your contents.

[oldskool]

I'm with State and their subsidiary company which handles sundries like bikes (can't remember the name of them offhand) covers my bike for $68 pa. This includes theft at home and accident damage during transit. But not theft off the trailer.

[Blair.DRZ]

I have mine insured with AMI and they don't cover them under contents insurance, they are insured seperately. Costs bugger all though.

[mfordy]

We're with FMG. All the bikes are covered while locked away at home and while in transit. Bikes under $2k do not need to be itemised and are covered under contents. Luckily haven't had to test whether they would actually pay out should some scum bag nick them!..

[laserracer]

I'm with State and their subsidiary company which handles sundries like bikes (can't remember the name of them offhand) covers my bike for $68 pa. This includes theft at home and accident damage during transit. But not theft off the trailer.

Holey Hell Oldschool that seems really cheap ...you sure you cant remember the companys name ..might have to check it out

[Sammikins]

Yeah asked State if they'd cover my bike for theft just while it's sitting at home and they said they wouldnt do it.

[laserracer]

YEAH thats what they said to me to..so i turned my garage into fort knox ..video camera with motion detector and silent alarm,bikes chained to floor,security lights inside and out, 2 cars parked in front of garage,guard cat,guard wife,and old Bessie No thats not my mother inlaw ..but it has a hair trigger just like her
So far we have caught a cat that looks just like ours trying to steal the bikes , and a guy that looks just like me on video...lol..i keep forgeting about the camera..lol.lol

[L Rider]

Our kids quads are listed on our contents policy. Other bikes have their own policies. We're with AMI. one costs $60 a year & the other $70. Thats for fire & theft at home & damage while in transit.

[BM-GS]

I'd be interested to know which policies include bikes. AMI in Takapuna said a quad or CRF50 was OK so long as it wasn't used for racing. CRF150 not allowed, and their bike policies so uncompetetive that they obviously don't want to be bothered with anyone with more sense than money (for bikes anyway, the rest was OK).

Have tried to find out which policy a bike is covered on when on a trailer and it seems to depend on whether you're asking about buying bike insurance or car insurance - ie: they try to sell you another policy. Methinks insurance companies aren't in the game for philanthropic reasons...

[Jorja]

with State Insurance bikes under 50cc are covered under house and contents for us but over 50cc they need a seperate policy.

[cheese]

Yeah check the working on those AMI policies as alot aren't going to pay you out.

Funny thing though, fit a key to it and it will be coverd..... go figure....

[flyingcr250]

Yeah asked State if they'd cover my bike for theft just while it's sitting at home and they said they wouldnt do it.

just kick up a stink, tell them youll take all your contents, car and house insurance away to another company, just watch how quickly they change their minds