Just got off the phone from QBE, and I'm now not a happy bunny.
My policy covers NO kit what so ever. No hat, no gloves, no boots and no leathers. They're all considered personal effects and are not covered under any of their insurance policies unless stated as additional items.
They also informed me that if the bike is written off and I want to buy it back, I have to go to auction and bid on it.
Makes me wonder exactly what I have been paying $1000 a year insurance for.
Check what your policy covers
-
photomike666
- Apprentice Post Whore :-)
- Posts: 5956
- Joined: Sat Jan 15, 2005 12:01 am
- Bike: ZX10R
- State: Victoria
- Location: Melbourne
- Contact:
Check what your policy covers
--------------------------------------------------------------------------------------------------------------
07 ZX10R since new, tracky TBA, KX450F, 87 CR250 restoration, GT MTB - I've got serious thrill issues, dude
07 ZX10R since new, tracky TBA, KX450F, 87 CR250 restoration, GT MTB - I've got serious thrill issues, dude
-
Stereo
- KSRC Addict
- Posts: 4578
- Joined: Thu Aug 11, 2005 8:01 am
- Bike: ZX10R
- State: Victoria
- Location: Pt Cook, Melbourne, Victoria, Australia, Pacific Ocean, Earth
Re: Check what your policy covers
Thats pretty standard....photomike666 wrote: They also informed me that if the bike is written off and I want to buy it back, I have to go to auction and bid on it.
The world is round. It has no point.
-
FoxyZX6R
- Team ZZR
- Posts: 426
- Joined: Tue Sep 21, 2004 8:33 pm
- Bike: ZX6R
- State: Victoria
- Location: the hills
try the racv mike
like i said the other nite, they will cover your gear if its included on the inital claim (helmet up to $500)
im paying just over a thou a year and they even cover my sports pipe and gear plu if im more than 100ks from home theyll ship me and the bike back for free. oh and they gave me a rating one for life
like i said the other nite, they will cover your gear if its included on the inital claim (helmet up to $500)
im paying just over a thou a year and they even cover my sports pipe and gear plu if im more than 100ks from home theyll ship me and the bike back for free. oh and they gave me a rating one for life
I was stressing bout the FJR and the $800 a year -
Zombie
- KSRC Regular
- Posts: 682
- Joined: Thu Apr 07, 2005 11:10 am
- Bike: ZZR250
- State: Victoria
- Location: Werribee Vic
Thats fine if you just got your repairs to do, but what happens when you have to pay someone elses repairs aswell? Thats a lot of shit hitting the fan.ZZRCHIKKY wrote:i dont like the idea of insurance, if u saved up the money u spent on insurance u could just fix it when the shit hit the fan
My age? 29 + Postage
-
Shifty
- KSRC Regular
- Posts: 834
- Joined: Tue Apr 26, 2005 9:04 pm
- Bike: ZX12R
- State: Queensland
- Location: Brisbane
Working in the industry, I've been telling people to look at their policies for years... but most people seem happy to save $50 an end up with a product they don't want or don't understand.
Most policies will cover helmet as a minimum, but it will be covered often as an accessory in the same manner as your gear rack... so it forms part of your vehicle sum insured.
Other riding gear is optional and not covered - the same as whatever you were wearing in a car accident will not be covered.
Most policies will cover helmet as a minimum, but it will be covered often as an accessory in the same manner as your gear rack... so it forms part of your vehicle sum insured.
Other riding gear is optional and not covered - the same as whatever you were wearing in a car accident will not be covered.
-
Lainie
- Team Ninja
- Posts: 3602
- Joined: Fri Aug 26, 2005 1:37 pm
- Bike: ER6
- State: Victoria
- Location: S/E Melbourne
Zombie wrote:Thats fine if you just got your repairs to do, but what happens when you have to pay someone elses repairs aswell? Thats a lot of shit hitting the fan.ZZRCHIKKY wrote:i dont like the idea of insurance, if u saved up the money u spent on insurance u could just fix it when the shit hit the fan
I agree with Zombie cause I know that if you hit the FJR for example and you turned round and said to me oh well I can't fix it cause I have no insurance. I am telling you shit will hit the fan and your head will follow
Third Party ::
That does not cover property it's personal injury......
Last edited by Lainie on Tue May 16, 2006 6:20 pm, edited 2 times in total.
-
MrStompy
- KSRC Regular
- Posts: 892
- Joined: Tue Aug 30, 2005 12:36 am
- Bike: It's not worth Mentioning
- State: New South Wales
- Location: Tropical Northern Rivers NSW
Nice idea in theory but i bet you dont actually save the insurance money...ZZRCHIKKY wrote:mine arnt coverd either , but i supose thats what ya get when ya dont have insurance
i dont like the idea of insurance, if u saved up the money u spent on insurance u could just fix it when the shit hit the fan
at a minimum you should have 3rd party insurance so if you do smash into someone elses car/bike they are covered.
you dont want to be paying for someone else mercedes for the rest of your life. plus - that level of insurance isnt that expensive.
amen to that.Zombie wrote:Thats fine if you just got your repairs to do, but what happens when you have to pay someone elses repairs aswell? Thats a lot of shit hitting the fan.ZZRCHIKKY wrote:i dont like the idea of insurance, if u saved up the money u spent on insurance u could just fix it when the shit hit the fan
ur bike can slide a long way when u come off.
it could hit a brand new honda accord parked on church street, and cause $5,000 damage. and then get some tool tryin to get cash outta you by basically bein a dodgy bastard.
it could happen.
There he goes. One of God's own prototypes. Some kind of high powered mutant never even considered for mass production. Too weird to live, and too rare to die.