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Thread: The definitive motorcycle insurance thread

  1. #601
    Join Date
    27th March 2017 - 11:33
    Bike
    2017 Suzuki SV650UA
    Location
    Hamilton/Auckland
    Posts
    223
    Probably jinxed myself but had a total loss claim within first 12 months, and the premium for new bike is same amount as old one (same model/age/value).

    So, premium did not go up based on the fact I had a claim, or time elapsing.
    I was not at fault, but the other party was not identified so my insurance would not have been able to chase them for reimbursement.

  2. #602
    Join Date
    8th November 2007 - 13:05
    Bike
    CRF250L Rally
    Location
    Whangarei
    Posts
    764
    I always used Protecta and found them good, but when I purchased my new CRF250 Rally a year ago Protecta quoted $663 but Honda Insurance offered a better deal at $538. But this year the renewal with Honda is $675!! - same basic excess of $250.

    Is all motorcycle insurance going up like this? Seems a bit excessive for my little 250 ridden by an old guy with 40 years of no claims .

    Any ideas?

  3. #603
    Join Date
    22nd October 2002 - 11:00
    Bike
    2019 KTM Duke 790
    Location
    Coromandel Harbour
    Posts
    4,117
    Quote Originally Posted by CRM View Post
    I always used Protecta and found them good, but when I purchased my new CRF250 Rally a year ago Protecta quoted $663.........
    I was with Protecta for quite a few years too and they also gave me good discounts for my IAM quals. However, last year, they hiked the rate by $100. Kiwibike found me a major insurer who more or less matched the original Protecta rate so I'm sticking with them.

  4. #604
    Join Date
    8th November 2007 - 13:05
    Bike
    CRF250L Rally
    Location
    Whangarei
    Posts
    764
    Just tried Kiwibike insurance - instant quote for $393 on agreed value with $500 excess, or $466 with $250 excess on market value.

    What's best for 1 year old bike, agreed or market value? Is it worth phoning them to try and negotiate a better deal or is that as good as I'm likely to get?

  5. #605
    Join Date
    8th November 2007 - 13:05
    Bike
    CRF250L Rally
    Location
    Whangarei
    Posts
    764
    Finally settled on a Kiwibike policy on an agreed sum insured with a $500 excess for $381. Happy enough with that. The insurance company is Protecta - so sometimes it looks like going through the broker gets a much better deal .

  6. #606
    Join Date
    2nd March 2018 - 15:32
    Bike
    1998 Yamaha R1
    Location
    Auckland
    Posts
    577
    I had a look at Protecta the other day. Make sure you check the fine print in the Protecta policy, eg no WoF or rego = no cover.

  7. #607
    Join Date
    3rd May 2016 - 17:36
    Bike
    Ninja 300
    Location
    Cheech
    Posts
    63
    Quote Originally Posted by SaferRides View Post
    I had a look at Protecta the other day. Make sure you check the fine print in the Protecta policy, eg no WoF or rego = no cover.
    Really? where in the wording does it say that? I notice under Section 3 - Road side assistance it say you are not covered without reg and WOF. Are you able to point me to the clause you are talking about?

  8. #608
    Join Date
    19th August 2003 - 15:32
    Bike
    RD350 KTM1190Adv, 2 x BMW R80G/S, XT500
    Location
    Over there somewhere...
    Posts
    3,894
    Quote Originally Posted by SaferRides View Post
    I had a look at Protecta the other day. Make sure you check the fine print in the Protecta policy, eg no WoF or rego = no cover.
    If true, that's a breach of the Insurance law Reform Acts.
    An insurer cannot rely on a exclusion that is not directly related to the cause of the claim.
    For example, an unwarranted vehicle hit from behind whilst parked - the insurer must pay, unless the reason the vehicle failed the warrant was related to the accident.

  9. #609
    Join Date
    2nd March 2018 - 15:32
    Bike
    1998 Yamaha R1
    Location
    Auckland
    Posts
    577
    Quote Originally Posted by Oscar View Post
    If true, that's a breach of the Insurance law Reform Acts.
    An insurer cannot rely on a exclusion that is not directly related to the cause of the claim.
    For example, an unwarranted vehicle hit from behind whilst parked - the insurer must pay, unless the reason the vehicle failed the warrant was related to the accident.
    I misread the policy - those conditions applied only to roadside assistance.

  10. #610
    Join Date
    27th December 2018 - 13:53
    Bike
    2008 ducati 848
    Location
    christchurch
    Posts
    101
    kiwibike $ 30.00 per month cheaper than my current insurer , pays to deal with people who understand bikes.
    to be old and wise you must first be young and stupid
    I do have a purpose in life , Even if it is as a warning to others

  11. #611
    Join Date
    19th August 2003 - 15:32
    Bike
    RD350 KTM1190Adv, 2 x BMW R80G/S, XT500
    Location
    Over there somewhere...
    Posts
    3,894
    Quote Originally Posted by tanken2 View Post
    kiwibike $ 30.00 per month cheaper than my current insurer , pays to deal with people who understand bikes.
    It pays to deal with people who pay their claims.
    Buying insurance on price is not a good idea.

  12. #612
    Join Date
    2nd August 2008 - 08:57
    Bike
    '17 CRF 1000LD
    Location
    Morrinsville
    Posts
    2,394
    Quote Originally Posted by Oscar View Post
    It pays to deal with people who pay their claims.
    Buying insurance on price is not a good idea.
    Are you suggesting that you wont get that with Kiwibike?

    I've had a bike insured through Kiwibike that was written off, payout was quick and easy. My current bike is the 4th one I've insured through Kiwibike, no reason not to use them IMO.
    ----------------------------------------------------
    Quote Originally Posted by PrincessBandit View Post
    I realised that having 105kg of man sliding into my rear was a tad uncomfortable
    "If the cops didn't see it, I didn't do it!"
    - George Carlin (RIP)

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