Dirt bikes on home & contents insurance policies?

[Karitane pete]

Had the boys CRF100 on the contains with vero, not a problem, did it on the phone just needed the vin number and it appeared on the paper work.

[LittleJohn]

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...

This seems wrong as we are insured with AMI in Takapuna, as the missus said above both quads are on contents and our 2 dirt bikes are insured for theft, fire etc and damage/theft when in transit. The dirt bikes are on a special policy just for them. The cost is $60 for 1 and $70 for the other.

My road bike is a few hundred and is on a road bike policy, much the same as a car.

[cheese]

I'm going to go in and see AMI in Taka.

[oldskool]

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

State uses NAC - National Auto Club, our excess is $500.

[L Rider]

We have all our insurance with AMI Takapuna - had cars, roadbike, contents & house with them prior to getting our dirtbikes. The quads are on contents because they're only 50cc. Our dirtbikes are on a Motorcycle Policy with Restricted Cover. AMI only have one sort of bike policy which is the basis then they put restrictions onto it.
It does depend who you talk to at any company though - some know different areas better.
When insuring the 1st quad we were firstly told it got its own policy - then we they asked for a drivers license number which obviously our kids don't have or need to ride it they took it to the manager who said it goes onto contents.
Jst thawt we also brought a JR50 which i think is on the contents - must phone & check i did infact add it on

[FROSTY:Me]

Basicly most H and C policies will replace any bike that is 50cc or smaller.
After my er recent "loss" My yard policy now specifically covers trail bikes for theft whilst in the yard and whilst being transported
BUT I must keep an up to fdate list of chasis numbers
Mind you my insurance costs me $5000 a year

[A&R]

We were with AMI they covered any bike less than 100cc on the house contents policy. cost nothing extra just needed to be added on so they knew. Only found out when we got them knicked though. So they only gave us money for the 100 ( after proving to them its actually less than 100cc i.e 99.7!) 85 and 70. Funny how they cover a 2 smoker 85 at twice the expense of the 100 4 stroke.

I have now got my insured with star insurance. 5 bikes 250, 200, 2no.85s and a 100 for fire and theft for $785.00 thought that was reasonable. It includes theft while on trailer or anywhere else for that matter.

[Ktmboy]

We were with AMI they covered any bike less than 100cc on the house contents policy. cost nothing extra just needed to be added on so they knew. Only found out when we got them knicked though. So they only gave us money for the 100 ( after proving to them its actually less than 100cc i.e 99.7!) 85 and 70. Funny how they cover a 2 smoker 85 at twice the expense of the 100 4 stroke.

I have now got my insured with star insurance. 5 bikes 250, 200, 2no.85s and a 100 for fire and theft for $785.00 thought that was reasonable. It includes theft while on trailer or anywhere else for that matter.

Peace of mind.. going with an insurance company that knows motorbikes as opposed to one that doesn't.
Just ends in tears at the end of the day when they don't pay out through a loop hole.

Better to spend the extra with people that talk the same language as us, as opposed to somebody just wanting to take your coin.