So I got a new bike (R Nine T) just after xmas state insurance $1000 for full cover and $1000 excess ! On a tour of the winter less north on ANZAC weekend and found out the hard way that Harleys don't stop as rapidly as Beemers (Avoiding a camper van pulling into a cafe on the left at the last minute) when some random harley rider who was tailing me fucked up my ride ! State paid out in full , Helmet and pannier bags had to claim on household insurance ! I got a new bike and have gone to Star Insurance $668 policy (+ $100 for helmet and leathers) and $500 excess . (I spent hours on hold with state and had let them know I was interested in buying the write off only to hear they sold it with out notifying me ! Our house hold insurance will be going elsewhere when it's renewal time too!)
Fidelis Ad Urnam
Protecta falls heavily into the caveat emptor category.
last time I did the comparison 3 years ago there were some big differences. Like market value vs agreed value, roadside assistance was different, excess was different, availability of multi bike policies, parking conditions etc.
E.g. my policy allows me to park outside, albeit with a higher excess. Protecta at the time had no cover when parked outside etc.
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State / protecta are good in that they insure almost anyone.
But if you have a good insurance history definitely shop around.
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There is a God and he has a sense of humour.
Swann insure my wife and I both bikes Suzies, for a combined total of just $600 odd dollars, (Bikes fully covered for over $17K) both full cover, both covered at track days, all gear for rider 3.5K, pillion 1.5K, have also got full on the ol coal burner as she sits under her blankie for $100.00 per year, ridden or not.
Had one claim, on wifes bike, deemed not her fault, didn't lose no claims, got paid out in full for her gear and bike repaired, that was nearly 4 years ago now, We are sticking with them, they talk with/to us a couple of times a year and we are happy as clients and no one else has looked after us this well in any sort of insurance deal to date.
Every day above ground is a good day!:
Protecta have changed to agreed value as of last December. Looks like they've made some other changes as well. I just read the policy wording from their web site and, as regards parking, they essentially say "park it where you like as long as it's locked and the keys are removed".
I've been with them for at least 5 years now and made two claims. I went with them initialy based solely on price (even cheaper than KiwiBike). And the excess was lower than elsewhere. Since then I've had absolutely no reason to regret that decision. In fact I cannot speak highly enough of the way they treat claims. Both times they bent over backwards to get me back on the road ASAP.
"Those who would give up essential liberty to purchase a little temporary safety deserve neither liberty nor safety." - Benjamin Franklin (1706-90)
"I would rather be exposed to the inconveniences attending to much liberty than those attending too small a degree of it." - Thomas Jefferson (1743-1826)
"Motorcycling is not inherently dangerous. It is, however, EXTREMELY unforgiving of inattention, ignorance, incompetence and stupidity!" - Anonymous
"Live to Ride, Ride to Live"
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