Forum whore
my boys vtr 250 is insured with state and i called them today regarding a ammendment to the policy they said that if i was thinking of buying a bigger bike for them that their underwriter wouldnt insure anybody under 25 on a bike bigger that 400cc. the only reason the bike is with state is that i have several other policys with them and it was easier to add another.
Forum whore
Not a great situation but then they can decide who and who not they will insure.
could catch a monkey
State suck for motorbike insurance - we had everything with them and they weren't that interested in offering insurance. Was easier (and much cheaper) to go to Kiwibike for the RF.
Originally Posted by rachprice
Don't forget to bring a towel
Kiwibike was the most expensive insurance company I got a quote from for my CBR. NAC is the cheapest as usual.
could catch a monkey
Really??
Wait, how old are you? and what licence do you have?
Rider in training
Usually if insurance costs more there is a reason. Ask them what there pay our ratio is for claims. If they wont tell you then it is a bad sign. Good insurance companies like to mention this statistic. I like insurance companies that pay out at least 99% of claims.
Rider in training
A lot of insurers underwrite part of their book with someone bigger. As a result, they have specific risk profiles. Hence the refusal to offer insurance outside of that profile.
BogOff-Cant you see I'm busy?
Yep, I didn't like State. They were more than twice the price of the others and were trying to close the deal with me.
I got the best price from NAC and I guess they are best for the older riders.
It is tough for under 25s, which is funny because I have met some really crap middle-aged riders and some really good <25 year old riders.
Forum whore
State were great when they paid out on my motorcycle gear after my crash under contents insurance. Encouraged me to claim for my boots and gloves, didn't require independent apprasial, and I got my money within a week.
Hardout Cyclist
But Kiwibike is just an insurance broker? Finding the best deal outta several insurance companies.
I was with state on my cbr250, it was the cheapest by far, and then ran into the same problem as the threadstarter, went to Kiwibike and am now with NAC through Kiwibike sorting the deal.
Double shot!!
Not once they have already agreed to cover you and you pay the money - you have a written contract.
ie, 20 year old buys policy - company writes random letter to him saying anyone under 25 not covered - I do not think so!
If they didnt want the fucking business they shouldnt have taken his fucking money.
Insurance companies are a rip..
Steve
"I am a licenced motorcycle instructor, I agree with dangerousbastard, no point in repeating what he said."
"read what Steve says. He's right."
"What Steve said pretty much summed it up."
"I did axactly as you said and it worked...!!"
"Wow, Great advise there DB."
WTB: Hyosung bikes or going or not.
Blowin up bikes since ages ago
Did you actually read the OP?
"Some people are like clouds, once they fuck off, it's a great day!"
Scooter boy
I had much the same experience with State - they quoted around 300 bucks more than what everyone else quoted me when I moved up to my SV - they don't want the business basically - I stuck with NAC.....
Double shot!!
Uh huh. Would you like me to summarise it fully for you?
Steve
"I am a licenced motorcycle instructor, I agree with dangerousbastard, no point in repeating what he said."
"read what Steve says. He's right."
"What Steve said pretty much summed it up."
"I did axactly as you said and it worked...!!"
"Wow, Great advise there DB."
WTB: Hyosung bikes or going or not.
Hardout Cyclist
You're an idiot.
He has a policy on a 250, they are fine with under 25's on bikes under 400cc. He now wants to upgrade his bike, which means a new contract, which means they don't have to insure him.
Is that the summary you were about to give?
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