Motorcycle insurance poll

**skidMark** · 20th June 2006, 00:29

lol i gotta get me one of those shirts...

as another kber said once upon a time

"i figure if i hit something hard enough to do serious damage that i can't afford to cover them for.. i aint gunna be around to worry about it''

**NSR-Dan** · 20th June 2006, 00:56

Originally Posted by madboy

Mine's with AA Insurance. Mainly 'cos our cars are there too. I didn't even need to lie to get insurance through them too. Might explain my excess though.

I work for AA, your excess should be $300

anyone want a quote on bike insurance call me at AA inurance. on 0800 500 215

only thing is we wont insure anyone that has had bike there full bike license for less then 4 years.

**NSR-Dan** · 20th June 2006, 01:15

oh and ask for Daniel

**James Deuce** · 20th June 2006, 06:55

You left out 3rd Party Only or Comprehensive as options.

I'm with Classic Cover. Just like Quasi I found them to be the best value. MIght be an age thing,

**Quasievil** · 20th June 2006, 07:53

Im Stunned that there are 15 bikers with no insurance, go and get it, weve all heard the stories.............he hit my car and didnt have insurance.

if youre on the road you should have insurance period, at least third party.
I reckon if someone took my bike out and didnt have insurance to cover it, they would get a right royal smack in the gob

**Rashika** · 20th June 2006, 08:05

VERO
- is another insurance company that do a lot of bikes down here, one that I use via a broker. Excess is pretty good, premiums $72 per month for $20,000 worth of bike, but I am probably in the 'best' category, being older with no claims, and good driving/riding record.

Originally Posted by Quasievil

Im Stunned that there are 15 bikers with no insurance, go and get it, weve all heard the stories.............he hit my car and didnt have insurance.

if youre on the road you should have insurance period, at least third party.
I reckon if someone took my bike out and didnt have insurance to cover it, they would get a right royal smack in the gob

actually so am I... guess it is just too expensive for some people to do, but for me personally I consider it compulsary as part of ownership of a vehicle. Its not just whether you can fix your vehicle, its whether you can afford to fix someone elses as well. So what if i haven't needed it yet in the 20 or so years of driving, one day i may do... and I'd rather have that security to know it will be sorted easily.

**Rosie** · 20th June 2006, 08:15

I've got insurance with AMI, mainly because I already had car insurance with them. Other companies had given me grief about my 1989 Corolla being a very fast, dangerous car, but AMI didn't seem to care, so I figured they must have been reasonable people. Only minor niggle is that their database can only cope with 1 licence class. So my motorbike insurance says I've been licenced for 9 years, with a little note at the bottom saying that I've only had my motorbike licence for a couple of months.

**James Deuce** · 20th June 2006, 09:39

Originally Posted by Rashika

VERO
- is another insurance company that do a lot of bikes down here, one that I use via a broker. Excess is pretty good, premiums $72 per month for $20,000 worth of bike, but I am probably in the 'best' category, being older with no claims, and good driving/riding record.

Classic Cover are underwritten by Vero and about 10-15% cheaper than Vero.

**quackquack** · 20th June 2006, 09:40

Was with classic cover till I read the wording and found a maximum price on a part of 2K I have so many parts on my bike worth more than that so thought it was time to shop around. All I can say is read the policy wording because there are some things on some of the excesses that may sting you come claim time.

**James Deuce** · 20th June 2006, 09:46

Originally Posted by Quasievil

Im Stunned that there are 15 bikers with no insurance, go and get it, weve all heard the stories.............he hit my car and didnt have insurance.

if youre on the road you should have insurance period, at least third party.
I reckon if someone took my bike out and didnt have insurance to cover it, they would get a right royal smack in the gob

And my excess, and the difference between what I am paying for my premium post accident sans NCB.

I"m with Rashika and Quasi here folks. It's not just to protect your asset in the even of a crash, it's to avoid the horrific dawning realisation that you've totalled your bike, hurt yourself (subsequently off work and on ACC), and now have an insurance company gunning for the $12K to fix the headlight, grill, radiator and right fender of a Mercedes CLS300. Or even $3k for a Subaru intercooler.

If you can't pay for the insurance stay off the road. It is part of the package when it comes to exercising your privilege to use the road with the rest of us.

**Rashika** · 20th June 2006, 09:50

Originally Posted by Jim2

Classic Cover are underwritten by Vero and about 10-15% cheaper than Vero.

I've had quotes from damn near every company in NZ I think over the last year

...and the broker has always had the cheapest and with the best conditions (excess etc) so far anyway.
Is there a direct contact for Classic cover? ...probably somewhere on KB but cant be blowed looking

**James Deuce** · 20th June 2006, 09:51

Originally Posted by quackquack

Was with classic cover till I read the wording and found a maximum price on a part of 2K I have so many parts on my bike worth more than that so thought it was time to shop around. All I can say is read the policy wording because there are some things on some of the excesses that may sting you come claim time.

Not in mine. MInd you if you are damaging parts worth $2k, chances are the cumulative damage to all the other 2k parts will write the bike off anyway.

Stay away from Protecta. The excess is a percentage of the vehicles involved in the accident. If you're at fault and hit a Porsche GT3, you better be applying for a mortgage the same day.

I left AMI because they don't cover for theft, unless it is from your own locked garage and it is secured by a chain to loop concreted into the floor. The wording isn't exact but it was very specific.

**Motu** · 20th June 2006, 10:01

So can you get third party for bikes.

Been on the road a few years Jim - had one claim with bike verses car in 1972,decided I wasn't going to do that again...and haven't.I don't think I'm a hazzard to other road users on my bike...if they are at fault they pay.As far as I'm concerned if you can't pay for your fuck ups stay off the road...or buy a cheaper bike.

**The Stranger:Me** · 20th June 2006, 10:04

Originally Posted by Quasievil

Im Stunned that there are 15 bikers with no insurance, go and get it, weve all heard the stories.............he hit my car and didnt have insurance.

if youre on the road you should have insurance period, at least third party.
I reckon if someone took my bike out and didnt have insurance to cover it, they would get a right royal smack in the gob

Um make that 16.

Screw that, after the lies, ignorance and extreme incompetence the insurer displayed with the Blackbird claim I can't see me being in a hurry to give the bastards a bloody cent.

Insurance is about risk and cost.
We owned a construction company. we stopped Insurance on vehicles (except third party) and tools.
We banned anyone under 25 from driving a company vehicle and purchased several steel shipping containers for tool storage. Several people said we were mad. But that madness saved us $80,000.00 a year in insurance premiums.
In 5 yrs we lost one van (written off) and probably $5,000.00 of tools

The most common accident is a very low speed or stationary drop - doesn't show in accident stats cause are rarely reported. So buy a naked bike, which I have.

The most frequent accident is bike leaves road on a right hander. This is ususally on a country road and usually results in little or no third party property damage and not a lot of damage to the bike. Slow down a bit, which I have.

Next is multi vehicle and mostly these are the other party at fault. Do some training and practice your skills, which I have and do. Hope they are insured and lets face it most boy racers (that I know) even have 3rd party.

Rob Muldoon was good for something, I always remember one of his sayings.
Nine times out of ten the worst never happens. Nine times out of ten when the worst does happen it is not that bad anyway.

**Ixion** · 20th June 2006, 10:07

What Mr Motu said. Had I insured all my vehicles over the years it would have cost me a LOT of money, and I would never have made a claim. Nor anyone else because of me. If I smash up my bike or car that is my problem. If I smash up yours and it is my fault I have the money to pay for it. It is called self insurance. Practised by government departments, big corporates.

If you are the sort of person who needs insurance, stay off the roads.