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Thread: The definitive motorcycle insurance thread

  1. #391
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    12th September 2009 - 16:14
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    Quote Originally Posted by rustyrobot View Post
    +1 on this (with support from Kiwibike for my tricky claim)

    Only thing is I'm pretty sure Protecta wont do track days - something to be aware of it that's a possibility.
    IIRC they do as long as you tell them in advance, and then there's a $2k excess on the day.

    Edit:

    Quote Originally Posted by FAQ
    Request Track Day cover if you are going to an event. If you plan to attend a Track Day or track-based Training Day, you need to inform us prior to attending the event to obtain our authorisation. This authorisation doesn’t cost anything, however a higher excess may apply while you are on the track. Contact us by phone or email, and we’ll send out a confirmation of cover once approved.
    http://www.protectainsurance.co.nz/F...ance-faqs.aspx

  2. #392
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    6th February 2010 - 19:32
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    Quote Originally Posted by Ender EnZed View Post
    ... they do as long as you tell them in advance, and then there's a $2k excess on the day.
    Sweet, I stand corrected - that's great to know.

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  3. #393
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    5th November 2009 - 09:50
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    Quote Originally Posted by rustyrobot View Post
    Sweet, I stand corrected - that's great to know.
    Just ask what their definition of track based training day or track day is as i know with star that some track days (like the test days) are not covered.

  4. #394
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    19th August 2003 - 15:32
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    Quote Originally Posted by BoristheBiter View Post
    Just ask what their definition of track based training day or track day is as i know with star that some track days (like the test days) are not covered.
    Star want to know in advance before covering a track day.
    They say there are a variety of events known as "track days" and they reserve the right to cover or not.

  5. #395
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    10th September 2008 - 21:23
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    I got "Rider Cover" through Dave at Kiwibiker - ~$1000 for 3 bikes (all 1000cc plus), technically as many bikes as I can afford to wn (or fit in my shed I guess).
    Ciao Marco

  6. #396
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    29th October 2005 - 16:12
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    Quote Originally Posted by Latte View Post
    I got "Rider Cover" through Dave at Kiwibiker - ~$1000 for 3 bikes (all 1000cc plus), technically as many bikes as I can afford to wn (or fit in my shed I guess).
    That's an interesting concept. Does anyone else do this? I know Dave and he's a good bloke.
    You don't get to be an old dog without learning a few tricks.
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  7. #397
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    8th October 2006 - 20:56
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    Quote Originally Posted by Edbear View Post
    That's an interesting concept. Does anyone else do this? I know Dave and he's a good bloke.
    I am in the process of re-negotiating the insurance on my bikes and had a very good quote from kiwibike with their multiple bike/1 rider policy. Called my current insurer to cancel and it turns out they have a similar policy and I will be saving about 40% on my current premium. Bit of a shit that I wasn't made aware of this until I wanted to leave.
    The only issue I was made aware of by my current insurer is that your insurance is based on the value of your highest valued bike and that is the maximum payable on any one claim. So if both of my bikes were destroyed in a fire or stolen together I would only be paid out for the highest valued bike.

  8. #398
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    3rd March 2008 - 19:08
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    I claimed recently on my protecta policy via Kiwibike. Dave was very helpful and it was all settled in about 3 weeks. My excess was 750 due to killing another bike only two years ago but the settlement amount was fairly generous and more than I thought the bile was worth at market value. Also, even after providing a quote to them of $249 to replace my helmet, they paid me $492 for helmet replacement. The previous claim was through Lumley and took about 6 weeks by the time Dave could negotiate a reasonable settlement as the assessor was a bit stingey Swings and roundabouts I guess. I guess my next excess will be $1000 but that's fair enough.

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  9. #399
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    4th March 2014 - 12:57
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    I've insured my Kawasaki Vulcan 900 with protecta. The price seems very reasonable. I'm paying $480 for a year with an excess of 500.

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    VN 900 Classic- STOCK!!!!

  10. #400
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    16th June 2014 - 21:57
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    best bike insurance - cover & excess

    The dealer recommended Protecta which I took but have since seen my excess is $750 which is high for my Busa.
    The cover looks good - track days and I don't see I have to nominate riders which is nice if a mate wants to test ride.
    A mate with Protecta had a free AA tow as he was 10km from home with a puncture.

    Any advice or experiences...?

  11. #401
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    22nd October 2002 - 11:00
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    I'm with Protecta. Never had to claim but their rate was competitive compared with the other major bike insurers. They also gave me a decent rebate on top of my no claims discount for holding an IAM Advanced Test pass. At least it shows they're prepared to help out people who want to raise their skills, so good on them

  12. #402
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    25th June 2012 - 11:56
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    With Star through my broker, could have added the 750 for a little bit more too.
    Seems like good package overall and I don't have much of a no claims bonus history as I've rarely insured my bikes in past...

  13. #403
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    19th April 2007 - 10:04
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    After reading this thread as it progressed I thought I would get a quote from Protecta. Came back at $1800 odd for two bikes ST4s and the 999s. This compared to my current Kiwibike insurance rate of $870 for both bikes. After a bit of a haggle they came down to $1400. Think I'll be staying with Kiwibike thankyou.

  14. #404
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    18th July 2011 - 18:32
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    Hi all. Need a bit of advice. I'm currently claiming for gear through my insurance which has gear cover included. I've claimed gear once before and I was happy with the payout. This time however I'm getting depreciation taken off what I paid for the gear. Last time I was paid out what I had paid for the gear (probably because it was cheap sh*t) This time however it's about average sh*t and the payout means I can't replace all that was damaged.
    First thing I'll do tonight is read the fine print again. Do I have a foot to stand on here or am I sh*t outta luck.

    Bearing this in mind, would you bother with replacing a leather jacket if it had a small tear/hole in it? It's a 2-piece so I'd need to replace the whole thing if that was the case.

    Cheers in advanced.


    Found this in the policy:

    Indemnity Value: means the replacement value, less an
    applicable fair depreciation based on the age, condition, wear
    and tear and remaining expectant lifespan of any item.

    Gear is 2 years old.
    Last edited by G4L4XY; 4th August 2014 at 17:10. Reason: Found this:
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  15. #405
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    23rd April 2010 - 15:30
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    Quote Originally Posted by G4L4XY View Post


    Found this in the policy:

    Indemnity Value: means the replacement value, less an
    applicable fair depreciation based on the age, condition, wear
    and tear and remaining expectant lifespan of any item.

    Gear is 2 years old.
    If the gear was in good condition pre-crash, then I'd only expect a small amount of 'depreciation'. If they're trying to pay you less than 70% of replacement value you should question the decision.

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