The definitive motorcycle insurance thread

[Floppy disk]

Disclaimer: i work for BNZ

Sorry to hear that.

[Erelyes]

Sorry to hear that.

BNZ. Now there's a misnomer.

[kiwitrip]

Ok i havn't read the entire thread but for the past two years i have had my ride insured with Swan insurance at a cost of $1000 a year (Full Cover).
I have just found Protecta Insurance online and got a quote that they say is accurate $475 (Full Cover)
Guess i will be changing company's.

[MarkH]

Ok i havn't read the entire thread but for the past two years i have had my ride insured with Swan insurance at a cost of $1000 a year (Full Cover).
I have just found Protecta Insurance online and got a quote that they say is accurate $475 (Full Cover)
Guess i will be changing company's.

$1k sounds expensive, I've just arranged insurance through Kiwibike with Star and it is costing me $492pa to insure my ST for $13k.
This includes roadside assistance and $1k gear indemnity.

It seems to me that going to a broker that will shop around for the best priced policy can save both time & money.

[gjm]

I must be a little older than the average rider hereabouts - this is probably relevant in insurance terms. I've been riding for (say it quietly) 25 years.

I popped into State in Hamilton yesterday lunchtime for a quick, non-binding quote for a 2000 model year Aprilia RSV Mille.

No claims in 5 years, $1000 excess, kept in a garage, not used for business, value $6500. 12 months, fully comprehensive, with full protected NCB - $305.

Certainly a lot cheaper than I was expecting.

[Hashbandicoot]

Looking at getting my bike insured and Kiwibike have offered a competitive quote.

Before the torrent of abuse I have used the search button and have read the threads there. I am after more recent experiences - last post I could find went back to 2012.

I also see from the other posts that back then Kiwibike used to use Swann or Protectra. They now seem to be using Star Insurance I wonder if this makes any difference and if anyone has any experience with Star Insurance?

[slofox]

"Kiwibike insurance, any good?"

Yes.

[Hashbandicoot]

Have you made any claims within the past year or so?

[sil3nt]

They are brokers so they will find the best deal from various insurance companies. Never heard a bad thing about them.

[BoristheBiter]

Looking at getting my bike insured and Kiwibike have offered a competitive quote.

Before the torrent of abuse I have used the search button and have read the threads there. I am after more recent experiences - last post I could find went back to 2012.

I also see from the other posts that back then Kiwibike used to use Swann or Protectra. They now seem to be using Star Insurance I wonder if this makes any difference and if anyone has any experience with Star Insurance?

we were with star and now with kiwibike due to them getting it cheaper.

star were alright to deal with but they tried and screw the cost down with the repairer causing a delay in repairs being carried out.
They were very good when it can to sorting out my gear and paid new replacement prices.

we had been with state and they were better to deal with but do not do replacement gear prices or track insurance, that was the reason we left them.

we have not had any claims with kiwibike

[Ulsterkiwi]

only good things to say about kiwibike, very easy to deal with.

Star I had a claim with, bit of toing an froing to get the "right" number for market value of the bike (it was a write-off) but every insurance company out there will do that, if they can get away with paying less money out they will and why wouldnt they, they are in business to make money not lose it.
All in all I had a good experience with Star, quick and pretty painless.

[Hashbandicoot]

Thanks for merging threads whoever did it.

[quickbuck]

I was with Kiwibike right up to the point I decided I am not going to ride my bike on the road anymore (turning it into a Race Bike).
So I e-mailed Dave and he cancelled the policy right there and then.

He helps out the racers among us very well.

as for claims I have never had to make one, however I can only assume that judging by the fast personnal service I got with all my other enquiries that Claims would be handled the same way...... If an insurence company didn't come up to spec then I dare say Kiwibike wouldn't deal with them.....

[swbarnett]

bit of toing an froing to get the "right" number for market value of the bike (it was a write-off) but every insurance company out there will do that,

Not true.

The last off I had with Protecta their assessment of it's value agreed with mine exactly (based on a few that had sold recently). The damage was mostly confined to the fairing and mechanical damage on one side and after a little negotiation (buff up the exhaust instead of replacing - scratching really was minor, it's now as good as new). I can't speak highly enough of the assessor's attitude.

I don't have any experience with KiwiBike. I went with Protecta initially because of the price.

[Piebald]

I've just started my motorcycle insurance investigation being a new rider and so far I'm leaning towards State or Star,
I have worked in insurance (medical) for the past two years and will NOT use a broker.
Most of the prices I've had for full cover are around $500-$600 pa but State was $195 pa.
Haven't had a quote from Star yet as their website wouldn't generate a quote for me
One thing I did notice is that the questions from State in regards to a quote were a little odd, for example for driver details It asks your date of birth, gender, years Driving and licence type, to which there is a choice of NZ full licence, NZ restricted etc etc but no motorbike licence.
So. Based on me being driving for 7 years, since I was 15, and having a NZ Full Licence and no accidents over the last 5 years my premium for full insurance on my fzr400r for $3000 on my Motorcycle Learner Licence is $188.55
I don't think I'll find a lower price...