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				Insurance- age old question
				Posted: Fri Apr 08, 2005 5:07 pm
				by tape
				Guys,
I just rang 4 companies for my 92 zzr600
AAMI - $618
RACV - $572
Swann - $502
Shannons - WOULDN'T Farkin Insure me cos I hav't had Full comp Insurance B4 on a bike BARSTARDS... 
 
I can't find Arista???
Funny thing is that a ZZR is classed as a sports bike....? and Shannons called it a Large Capacity Bike...lol
So My Question is who is better to deal with??? as in results from claims, helpfullness etc.
cheers
 
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 5:26 pm
				by Smitty
				tape...
mate
I use Swann
and as a recent user of their claims services
they were pretty good, assessor gave the go ahead just about straight away
and
they coughed up for a new helmet immediately
and they are cheap..for me!
premium..? less than $200 a year and that includes helmet cover for max $500 with a bike covered for just over $4large
excess on any claim is $400
and 
at PI you saw the repair job..your choice of repairer is included
and they covered everything from the pickup of the bike to the paintjob
I have used Swanns claims dept twice in the past 7 years ....
no complaints here
and my claims rating has not changed either....
hth
cheers
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 5:35 pm
				by ty
				Go here for Arista: 
http://www.icfrith.com.au/html/FirstChoice.cfm
But your swann price looks cheaper than I got from them for my 98 zzr - $554
Response from Arista after my accident was good. No pussy-footing around.
ty
 
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 9:13 pm
				by smek
				you forgot western qbe
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 9:47 pm
				by Plaz
				I'd like to throw another in the ring, Famous Classic Car Insurance. 
Thats who covered my 03 636. Called them on the Monday after my off and exactly 2 weeks later I'm on an 05 636 with a brand new helmet too, out of pocket expenses $400.00 excess. 
They even covered my Micron pipe (supplying a new one for the 05).
The yearly Premium was $795.00 (on rating one) which was the cheapest I could find down here by about $200.00
Ph: 1300 88 60 29
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 10:34 pm
				by dave#3
				Western QBE offered the best price for my 9 and for Cath's 6
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 10:43 pm
				by zbeast
				NRMA....don't laugh but they have the best price I have found for us under 30's. It probably helps that I have 2 cars, the bike and my house and contents with them...the multi policy discount does add up. I have only made 1 claim and I dropped the bike off the Thur before Easter and the assessor looked at it the following Tues. He approved it on the spot then it took the bloody shop 6 weeks to get the bike back to me. Not going there again.
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 10:47 pm
				by ty
				Be careful of those that look cheaper - they may only do market value and not agreed value.
I know Arista and Swann do agreed value. The others may too but be careful.
			 
			
					
				Re: re: Insurance- age old question
				Posted: Fri Apr 08, 2005 10:51 pm
				by dave#3
				zbeast wrote:NRMA....don't laugh but they have the best price I have found for us under 30's. It probably helps that I have 2 cars, the bike and my house and contents with them...the multi policy discount does add up. I have only made 1 claim and I dropped the bike off the Thur before Easter and the assessor looked at it the following Tues. He approved it on the spot then it took the bloody shop 6 weeks to get the bike back to me. Not going there again.
I always had everything with NRMA ... car, contents, old ZZR's, etc.
This year the car insurance went up about 20-25% (on a 75 series diesel landcruiser).  A guy from work copped a 25% increase on the premium for his BM, and the clincher was a quote of, get this 
$2052.25 (after a 65% NCB) to insure the 9  

   The only one worse was GIO who will not offer more than a 20% NCB on bikes regardless of your history
 
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 11:35 pm
				by Tack
				Im going with Swann for one reason....they insure the bike at agreed value....My 91 GPX250R has a book value of only $2500....whereas the condition that its in makes it a $4000 bike...(just my opinion)....so if I lost it I want to replace it with something as good or better.....
for me GBE wanted $209 at market value whereas Swann want $419 at agreed and I get that through Brighton Kawasaki....is better for me i reckon
			 
			
					
				re: Insurance- age old question
				Posted: Fri Apr 08, 2005 11:42 pm
				by Ratmick
				$348 through Swann for a '98 ZZR600, insured value $8500  
 
As far as I can tell, this is the ONLY good thing about being 40.  
 
...although I think having the bike locked up nightly and living in the middle of nowhere helped lowering the premium as well.
 
			 
			
					
				Re: re: Insurance- age old question
				Posted: Sat Apr 09, 2005 12:05 am
				by tape
				Ratmick wrote:$348 through Swann for a '98 ZZR600, insured value $8500  
 
As far as I can tell, this is the ONLY good thing about being 40.  
 
...although I think having the bike locked up nightly and living in the middle of nowhere helped lowering the premium as well.
 
Mick,
I am 40 and trying to insure a 92 ZZR600 at $4700 value and swann want $502... I live outskirts of Melb. .... Craigieburn, so WTF's the diff. must be too cold to steal bikes in Macedon Ranges????
 
  
 
I dunno  

 
			 
			
					
				re: Insurance- age old question
				Posted: Sat Apr 09, 2005 8:18 am
				by redzedx7r
				
 i've got my zzr insured with Swann for agreed value of $5K for $224. The zx7r is with suncorp initially for $690 but after i dropped it last year they changed my rating and upped it to $750. Pretty good really, I was very happy with the srevice they gave reference the repairs and i did have the option to choose my own repairer.
Sean
btw i'm not quite 40 but i can see it coming down the road 

 
			 
			
					
				Re: re: Insurance- age old question
				Posted: Sat Apr 09, 2005 9:20 am
				by Tack
				redzedx7r wrote:
 btw i'm not quite 40 but i can see it coming down the road 

 
The question is:
Is it comin down the road to meet you on a full race kwaka....or on scooter......... 

 
			 
			
					
				Re: re: Insurance- age old question
				Posted: Sat Apr 09, 2005 9:37 am
				by Rusty
				Tack wrote:redzedx7r wrote:
 btw i'm not quite 40 but i can see it coming down the road 

 
The question is:
Is it comin down the road to meet you on a full race kwaka....or on scooter......... 

 
Judging by what I saw yesterday, MOTORIZED WHEELCHAIR!  
 
Just kidding ...