Insurance - Page 2

Ice · 04-09-2008, 04:28 PM

Your accident history should only make a difference to your premium if you have destroyed your no claim bonus. What it may do is land you with extra excesses. The only way to find out is to call around and get quotes.

QBE (They no longer use the "Western" at the start) are very popular. Swann is probably next. Personally I have had a bad experience with Swann, but in general they're not too bad. QBE were excellent to make a claim with. The QBE gear/trailer cover is excellent and doesn't cost extra. It's worth calling around and asking for quotes AND find out what your excess will be and how much they'll cover your gear to in an accident. Some will also match the cheapest premium you find.

Do a search and you'll get enough info to make your head explode... Then call them all and get a quote based on your individual circumstances.

FireStorm · 04-09-2008, 04:30 PM

I'm with Shannon's but I don't ride more than a few times a week (if that) and I have a few years of riding under my belt.

Shannon's are very good but you need to meet strict criteria to get insured by them.

Ice · 04-09-2008, 04:34 PM

Yeah - I didn't mention Shannons 'coz they won't insure me (I hear crickets when I tell them how many kms I do!

) and they sure as heck won't insure the starter of this thread... But I haven't heard a bad word about them from anyone who's made a claim, so they do seem to be good.

FireStorm · 04-09-2008, 04:48 PM

Weekend warrior insurance company. Great service tho.

jumbopeanut · 04-09-2008, 04:49 PM

Quote:

Originally Posted by sarah_louise

I am still a Learner and if all goes to plan I pick up my 2001 ZZR 250 next Friday.
Who is the best person to insure it with? I probably won't ride it until I've had a few more lessons with the riding school (as I'm using their bike) but I still need to have it insured. How much roughly does insurance cost?

my 03 zzr250 cost $99 to ensure with SGIO. cheap as chips

Captain Starfish · 04-09-2008, 05:00 PM

3rd party only?

ILLUSION · 04-09-2008, 05:36 PM

Heya.
I'm with Western QBE...or now jus QBE.
Got a cheaper quote form Insure my ride on the net. $1000+ less than QBE
Called up QBE a got them to match it and better it.
Round $1300 for the yr fully comprehensive for $17000

polonyman · 04-09-2008, 05:44 PM

+1 for insuremyride , whilst i dont own a bike yet an estimated quote came out fairly nicely, they also allow you to choose your excess and amount of gear cover. you will find that most companies dont like to give online quotes for motorcycles and for newbie riders, insuremyride is one of the few exceptions there so if your lazy they're your best bet

shmoo · 04-09-2008, 06:21 PM

+1 for posting up photos of yourself

Sorry.

Best advice is for you to ring every single insurance company you can find and get quotes. Amazingly, you will find that the quotes you get will vary hugely. So its well worth spending some time ringing around.

Cheers and welcome.

Captain Starfish · 04-09-2008, 06:23 PM

Forgive my bluntness, but how old are you? Do you have a no claim bonus (even from a car?)

There are big jumps in premiums and excess depending on age and experience. Some insurers will let you "port" a no claim bonus from cars to your bike policy, others will not.

Sumfun4me · 04-09-2008, 06:28 PM

I did the ring around a couple of months ago & ended up with Shannons. (around a grand a year) - this with 25 years riding (fully insured the whole time), less than 3k kms a year and never having a claim. I still think it's a wrought.
As said before, best advice is to shop around & check what they are offering - the bottom line price isn't always the best one to go with. In most cases, you can also elect to pay a heavier excess, which will help get your premiums down too.

sarah_louise · 18-09-2008, 01:32 PM

Hmm I didn't even think about gear cover... does everyone have it?!?

Melchior3 · 18-09-2008, 01:37 PM

Quote:

Originally Posted by sarah_louise

Hmm I didn't even think about gear cover... does everyone have it?!?

With QBE I get $4000 gear cover included in full comp.

Xuaxace · 18-09-2008, 01:37 PM

Quote:

Originally Posted by sarah_louise

Hmm I didn't even think about gear cover... does everyone have it?!?

Most people do have it, I don't and i regret it so much, I'm waiting for my policy to renew to get it. If you have an off, you might have to pay just as much on gear replacement than fixing your bike, it's a totally worth doing expense.

The Saint · 18-09-2008, 01:37 PM

QBE cover $4000 worth of gear as default I think

rookyrida83 · 18-09-2008, 08:12 PM

Quote:

Originally Posted by Charger

Just rang Charlie at ebike and she could do me the superduke insurance for a year for $416 with $4000 gear coverage and no riding limitations. As apposed to shannons for $1041 a year with $3000 gear coverage and could only ride it weekends.

charger, how old are you and whats your riding hist if you dont mind me asking???

cheers