Bike Insurance

[VXII SSimo]

Just wondering who people are using for their late model bike insurance? Idea of premiums would also be appreciated. I have to find an insurer for the Daytona.

Cheers
Simo

[Deanhoe]

I have my 1995 ZX9R through Shannon's. Cost me $400 a year, insured for $9000.

Its only so cheap because I have my ute insured through them as well, before I had the ute it was about $800 from memory.

[VXII SSimo]

Yeah, they are my best so far also, $580 for an '05 Daytona for $11k. Just wanted to make sure I was getting a good deal.

Cheers
Simo

[llucie]

Just wondering who people are using for their late model bike insurance? Idea of premiums would also be appreciated. I have to find an insurer for the Daytona.

Cheers
Simo "Western QBE " has been the cheapest for me for the past 10 years = current bike value $52k policy = $979 pa = 1800 24 34 64 . Another very good company is "NEIB" 07 46812877 always have been very fair - I insured thru them when I lived in the NT.

[Smitty]

I have used a few over the years..QBE
and recently Swann..who are excellent
(price was good and claims handling even better)
but when i bought the ZX12r...I rang lots
and
Shannons got the guernsey....
why??
agreed value ...$12 large for a 2001 model
helmet and leathers cover (up to $1500)
how much...??? $720pa..payable monthly

comparison?
Swann (my previous) at $810
QBE....$1205:weirdo:
Arista quoted $1125 !

hth

[VXII SSimo]

Thanks all for the help. Problem I have had up here, is some insurers won't touch you in the NT, or offer ridiculous premiums. GIO will only cover up to 20% no claim in the NT....my price...$2900 :shock:
I politely declined the offer.

Smitty: just checked Shannons after your gear cover comment, and as I recalled it is $3k for the rider and $1500 for pillion, so better than you thought!

[Smitty]

snip...
Smitty: just checked Shannons after your gear cover comment, and as I recalled it is $3k for the rider and $1500 for pillion, so better than you thought!

thanks mate
thought it was $1500 EACH so.... total $3 large

will check my policy


cheers

[old holden V8]

Hi.

Western QBE. For my old girl, ~$250 PA, but did get some prices earlier this year on an '05 ST3, and they were cheapest, compared with Swann.

Some other things that make a big difference, some might be obvious, some might not:

1. Postcode - particularly if it's a bike popular with thieves..
2. Garaged or not..
3. Insurance Record - have you had claims before (bike - from my experience, car'd don't count...but check...)
5. Driving record - ie. a prior DUI, (even some years ago..) etc
6. Age.
7. Additional riders (age + record)
8. Finance.
9. The bike...ie. a 999 vs say a 620 monster.
10. Track days (carefull - you probably won't be covered - check)
11. Off Road use - is that K1100RT covered if you drop it on the way into the Alpine rally??
12. Modifications - is that exhaust 'Not for highway use'?

other factors that *may* get you a discount..
13. Approved Rider training.
14. Club membership (some companies, do, some don't)
15. Pay in full on a yearly basis.

HTH.

YMMV

Cheers

Laurie.

[Smitty]

snip...12. Modifications - is that exhaust 'Not for highway use'?
.

good point!

fwiw
Shannons were cool with mods
yes sir.... we are happy to insure yr ZX12R
with a $1500 titanium zorst system
and no xztra premium and so were Swann

mods with Western QBE...were a no-no on mine
not sure why:weirdo:

[VXII SSimo]

Yeah, that's what's making Shannons look good...mods. I've got a titanium pipe, and am looking at doing a bit of computer editing too. Not that you can tell edits by looking at the bike :)

[V8BRUTE]

Another vote for Shannons, the thieves at QBE and Swann quoted $1500-1600 for my 05 ZX-10R, rang Shannons and got it for $800 based on limited K's per year, it also includes my gear, braided lines and Akro Ti muffler, they will also cover you for rider traning days on a track but unfortunately not track days :)

[vt350phantom]

Just wondering who people are using for their late model bike insurance? Idea of premiums would also be appreciated. I have to find an insurer for the Daytona.

Cheers
Simo

Try Just Insurance Services in Qld. Very competitive and are fine with mods

[VXII SSimo]

they will also cover you for rider traning days on a track but unfortunately not track days :)
From what I've looked into, most will cover Govt approved rider training (track) courses...and so they should too!

[old holden V8]

Hi.

Western QBE. For my old girl, ~$250 PA, but did get some prices earlier this year on an '05 ST3, and they were cheapest, compared with Swann.

Some other things that make a big difference, some might be obvious, some might not:

1. Postcode - particularly if it's a bike popular with thieves..
2. Garaged or not..
3. Insurance Record - have you had claims before (bike - from my experience, car'd don't count...but check...)
5. Driving record - ie. a prior DUI, (even some years ago..) etc
6. Age.
7. Additional riders (age + record)
8. Finance.
9. The bike...ie. a 999 vs say a 620 monster.
10. Track days (carefull - you probably won't be covered - check)
11. Off Road use - is that K1100RT covered if you drop it on the way into the Alpine rally??
12. Modifications - is that exhaust 'Not for highway use'?

other factors that *may* get you a discount..
13. Approved Rider training.
14. Club membership (some companies, do, some don't)
15. Pay in full on a yearly basis.

HTH.

YMMV

Cheers

Laurie.
I Forgot to add...


16. Reduced usage premium's. ie. if you only clock up 5,000km P.A it *may* entitle you to a discount....sometimes a substantial one. Check first.

17.Grey Import. - *some* insurance co's may not touch them.

18. Named rider on the policy. - means that only the policy holder can use the bike, and repairers.
20. Alarm/immobiliser - iirc, H.D's insured with some co's have to have one fitted..

HTH

YMMV

:-)

Laurie.

PS. Most of us are aware of the above, but it still pays to ask about *all* of the above when neogiating a new premium/contract. You may save yourself some money - as we all know, bike insurance costs can be scary!

[danfoss5000]

i dont got no insurance. :cool:

i got a ducati monster.

[bambam]

i dont got no insurance. :cool:

i got a ducati monster.


Very intelligent. :doh:

[slash]

Shannons for sure!!

[gjohnson]

Brand new CBR1100 Blackbird : Dealers Insurance company Swann was $950, I did some shopping around. Shannons and QBE over $1200 , Arista $704. When I told dealer I was going with Arista he dropped $250 to $700. Makes you wonder how much commission the dealers get from the insurance companies??

[SUX350]

black 06 cbr1000rr fireblade. swan $1279 just insurance $623.

[VXII SSimo]

Thanks to all for the input. My biggest problem has been living in the NT. 90% of insurers won't touch it, and the rest charge like wounded bulls. I really think the "no insurance" idea is great! :weirdo:

Anyway, Shannons got my vote, and they even include windscreen cover, which is great.

[MY LS1]

I tried with shannons but i think u have to be over 25 with them.

i have a cbr250 rr n i got quoted 1 k with NRMA. has anyone been with them?

[blackbettyhsv]

simo different bike to yours but QBE done my 2001 heritage softail for $ 450 1 year agreed value of 26,000, hope it helps

[Boom]

Renewal for 05 HD from QBE $764.00 for $27000 agreed. Penalty for 6 month payment $150. Was 8000km limit on original policy, think that still applies. Quote from Just Insurance for $28000 agreed is $395.29. Unrestricted use. No penalty for pay by month.
Decisions Decisions Decisions

[SenatorVTII]

Has anyone got any idea of dirt bike insurance just for theft cover. Does any insurance company offer it on home and contents insurance?

[andychalkley]

Looks like I'm going to Shannons next time.

[Black VU SS ute]

my 1996 suzuki across 250 insured for $4k is only $230p/yr full cover. I just use it to for work and the gym which is better than running my beast to work which is 5mins away by car. laughing
RAC want big dollars for bike insurance more than my car, I just laughed and said sorry.

[Boom]

Just checked Shannons out and their quote was near double that of justinsurance.

[blackbettyhsv]

just got my renewel from qbe for the harley was $450 last time, this time $503, hav'nt asked why yet agreed value still $26.000, so maybe have to ring around for curiousity, any one got a better price

[blackbettyhsv]

looks like Im sticking with QBE $480 agreed value of $25.000, shannons $504 same agreed value. does'nt seem worth changing camps for 24 bucks.

[Chris_23]

I got my 92 cbr250rr insured for $500 a year fully comp on my L's with a market value of $5500 through AAMI.. was about 500 cheaper than anywhere else.. Shannons and western qbe wouldnt even insure me..

[vz ss III]

Just wondering who people are using for their late model bike insurance? Idea of premiums would also be appreciated. I have to find an insurer for the Daytona.

Cheers
Simo

i was with QBE they wanted $1000 plus 20% for monthly insallments. rang shannons $700 with monthly installments. shannons my pick.

[klink]

i have all of my cars/bikes with elders

my bike is 950p/a agreed value at 14500 for an 02 r6 with full race system etc, etc.

[Smitty]

I use Shannons
and have both the SS and my ZX12r with them
agreed values..and best premiums
plus Shannons also cover yr riding gear and helmet

hth

[Rick76]

01' R6
$497 for 12 months with Western QBE

Swann :kapow:

[badgirlz]

Buell xb12r $600 annual.. agreed value and TRX 850 $400 agreed value
and ZRX1200 $450. We do however have our home and contents as well as dirtbikes through Shannons.... I also work in a bike shop and any repairs we have had to do for people through Shannons seems to be great service.. So claiming seems pretty good too... That's important.

[slash]

I have a '72 Triumph Trident, '69 BSA Rocket 3, ' 74 Norton Commando, '03 BMW R1150RT, '05 ZX12R and a '03 VTR1000 all insured with Shannons......great prices, although I rarely use most of them, which they take that into account when setting premiums.

[Heli]

Mine is with BMW Insurance (policy is actually Allianz), $657 for a new R1200RT @ market value (mid $30k's). Same insurer with my cars, they've proven to be very competitive and, on the cars, the cover includes windscreen replacement. Very handy with screens over $1200 each these days!

[tuffrangie]

Try arista, they did a good deal for me and my girlfriend, 2 bikes on the 1 policy

[nemesis5]

car is with shannons but they won't touch me with the bike for 12 months either :werd: so i have the CBR with Western QBE, seem pretty good and premium isn't too shabby, but i'll likely change to shannons when i buy the K1200S in 10-12 months :wave:

[Chris5.7ltr]

New Bike insurer that was lunched today that I thought you guys might like to know about.

www.insuremyride.com.au

They are a sister company of Shannon's who deal with the more main stream stuff that falls outside the guidelines of Shannon's.

They are mostly a web based company ATM but you can still call them by going through Shannon's (13 46 46) and asking to be put through to them.

[Crolly]

I looked at a number of places and so far western qbe was the best if u are riding daily or communting, though will be cheaper for weekend riders and less kays. Shannons were good but prefer enthusiast that only ride on the weekend, plus dont insure under 25 so that was bad 4 me. I got a quote form nrma for gsxr1000 k5 and they wanted 3700 whereas qbe only wanted 1800.

[raji2]

Has anyone got any idea of dirt bike insurance just for theft cover. Does any insurance company offer it on home and contents insurance?

There is a company called dirt bike insurance (Jardine Lloyd Thomas) they do 3rd party and theft and also transit insurance while it's on the trailer. Prices are reasonable, :teach:

[GSXR-600-K2]

TIO hooks my bike up with full comp for less than $50p/m :)

www.keepntlimitfree.org

[jasonbw]

Another vote for Shannons here, reason:

They're top guys, understand bikes and cars and the cover is better than any other that I found.

I've insured my car and my CBR1000RR with them for two years, I pay a bit more since I modded the bike with Ohlins road and track forks and 3 way shock, but before that it was cheaper than the rest to insure through Shannons. (before mods: $715, after $930)

The BIG plus is Shannons insure you on any rider training.. so the superbike schools I've always wanted to do have been done and the upcoming circuitbreakers.com.au race school is fully covered too.

I ever asked if Shannons cover the bike while its on the trailer heading up to Eastern Creek - yes.. fully covered wherever it is!

One last thing, if you ride to work Shannons will not insure you.. strange since people could in theory ride less k's commuting to work than the limited use policy allows... but if you want to insure with Shannons then you cant be riding to work - well, the guy actually said "like once a month is okay I guess, but don't be making a habit of it" !!! :)

P.s. Your bike has to be in a locked Garage every night too!

Awesome company... (heres where I'm meant to chime in with their 134646 number, but I wont)

:)
JasonBW

[Satansfist]

Are all these policies with Shannons for bikes doing a limited number of kays a year?

[Road Warrior]

I have just insured my new 636 with BikeGuard for $459 per year.

[SUX350]

Are all these policies with Shannons for bikes doing a limited number of kays a year?

i would say most of them are. when i got a quote from shannons it was for limited klm.