The definitive motorcycle insurance thread

[mulletman]

Ive had good experience with NAC, paid out on gear and bike within a month.

[swbarnett]

Bikes can be a prick to get repaired. Often the problem is getting the parts because they replace everything with OEM new parts. Sometimes getting something out of the factories can take weeks if not months.

Colemans rung me to say that the stock exhaust would take 6 months to obtain, "would you like a Yoshi instead?" Ah, yes please! Protecta were happy to pay.

[DMNTD:Me]

Colemans rung me to say that the stock exhaust would take 6 months to obtain, "would you like a Yoshi instead?" Ah, yes please! Protecta were happy to pay.

Would've been cheaper too
Win...win

[Oscar]

Been very happy so far but never had to make a claim.

I'm not picking on you in particular as you see these comments all the time, but all you're saying is that this insurer is good at banking your cheque.

[swbarnett]

Would've been cheaper too
Win...win

I was led to believe the Yoshi would be more expensive (not by Colemans or Protecta). But hey, I really have no idea what stock or after-market pipes go for.

Sounds like it was good for them too.

[Owl]

Sounds like it was good for them too.

Absolutely no doubt!

I've done deals with insurance companies and it's all about money. They'll often bend over backwards if you can save them money. You can come out with better parts, extras etc. Win win for everyone!

[f2dz]

I recently had a crash that was not my fault.

My insurance is paying me out the wreck of my bike and my helmet but I'm losing the last month of my premium.

Not a huge problem but now I'm worried about reinsuring my next bike and crashing it earlier than 11 months in and having to lose a whole year's premium. The whole reason I did monthly payments was to avoid something like this.

Surely people have run into this problem before: If you're in an accident that's not even your fault, and even if the other party is insured, you still get stung for your premium, and the other insurance company isn't liable to cover it.

In a perfect world, would it then be better to ride without insurance so long as you were never at fault in a crash and so long as anyone who crashed into you was insured?

[Owl]

Not a huge problem but now I'm worried about reinsuring my next bike and crashing it earlier than 11 months in and having to lose a whole year's premium.

It only happens with a total loss, not if it's repairable.

In some cases you can get the unused portion of premium to cover the replacement vehicle. That may be worth discussing with your insurance company for future reference, but probably not too many would do that now.

[Oscar]

I recently had a crash that was not my fault.

My insurance is paying me out the wreck of my bike and my helmet but I'm losing the last month of my premium.

Not a huge problem but now I'm worried about reinsuring my next bike and crashing it earlier than 11 months in and having to lose a whole year's premium. The whole reason I did monthly payments was to avoid something like this.

Surely people have run into this problem before: If you're in an accident that's not even your fault, and even if the other party is insured, you still get stung for your premium, and the other insurance company isn't liable to cover it.

In a perfect world, would it then be better to ride without insurance so long as you were never at fault in a crash and so long as anyone who crashed into you was insured?

You bought an annual contract.
The contract was fulfilled during the stated period, so no - you don't get anything back.

[swbarnett]

You bought an annual contract.
The contract was fulfilled during the stated period, so no - you don't get anything back.

Exactly. Paying for a year's insurance monthly is like taking out a 12 month HP.

[Verzent]

Had an absolute great experience with NAC. Sorted out the other party that was at fault for me, gave me a good market valuation payout (bike was written off due to all the damage) and all sorted within 18 days.

[chrisso]

Gday. How much would it cost to renew rego on say an 1100cc bike in NZ. Rider over 30 with a good driving record . For the record my XS1100 last time cost me around $660 for the CTP ( compulsory 3rd party ) and about $110 for the Govt fees and charges here in NSW. If I had an old R1 at 998cc it is a lot less as the fucktards here assume less cc's = less power so therefore safer. Dunno bout NZ but here we dont have rego labels anymore; now that the Police have new youbeaut instant number plate recognisition cameras.

[p.dath]

Gday. How much would it cost to renew rego on say an 1100cc bike in NZ. Rider over 30 with a good driving record . For the record my XS1100 last time cost me around $660 for the CTP ( compulsory 3rd party ) and about $110 for the Govt fees and charges here in NSW. If I had an old R1 at 998cc it is a lot less as the fucktards here assume less cc's = less power so therefore safer. Dunno bout NZ but here we dont have rego labels anymore; now that the Police have new youbeaut instant number plate recognisition cameras.

It sounds like you are talking about insurance, rather then vehicle registration. To register that bike would cost you $591.39 for 12 months. It falls into the 601cc and over category.
http://www.nzta.govt.nz/vehicle/regi...sing/fees.html

Insurance varies a lot. I am 42, have a 1000cc bike, and have full insurance (including coverage for track day training) and it costs $438.24 including GST.

[Verzent]

Hey I just had my claim paid out with free excess and the person liable didnt have insurance on their car. How will my insurance company retrieve the money from them? Not that it affects me, I'd just like to know that they'll be made to suffer for putting me in hospital. lol.

[cynna]

they will be made to suffer probably by paying $5 a week back to the insurance company - that will teach em