COMPREHENSIVE INSURANCE, which do you guys find best ???

This topic contains 21 replies, has 0 voices, and was last updated by Michael Passau 13 years, 10 months ago.

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May 18, 2011 at 2:07 am #99916

Dwayne O
Member

Probably been asked before,
But am what company do most of you guys on here use or find the best coverage???
Have heard that some may not cover for dirt use (fire trails etc)
Need to set up a policy for the 690 by the weekend & though this would be the best way to gather info & experiences good & bad :whistle:

Thanx in advance for any useful comments

May 18, 2011 at 2:10 am #201517

Greg
Member

My bikes are insured with insure my ride mate cheapest I found around and I got agreed value for the XR. Also all my ride gear etc is covered on the Tenere

TB

May 18, 2011 at 2:16 am #201518

Dwayne O
Member

Yes, I looked at them last night actually & did an online quote, heaps cheaper than NRMA & GIO .,,,,,
Just seemed too good to be true :whistle:

I didn`t worry about ride gear but added a couple of grand on mods for the bike

Thanx Again

May 18, 2011 at 2:19 am #201527

Mick Pilgrim
Member

Trailboss wrote:

My bikes are insured with insure my ride mate cheapest I found around and I got agreed value for the XR. Also all my ride gear etc is covered on the Tenere

TB

Ditto except for riding gear. Been using them for a few years now and its agreed value, not market value that is open to a lot of interpretation if you need to make a claim for a stolen bike as a friend found out unfortunately.

By the way eags the bike looks good, they dont have a very good steering lock for tight tracks. Mine has about 20k km on it now and no real problems.

Mick

May 18, 2011 at 2:23 am #201519

Dwayne O
Member

Thanx Mick,
So your mate had probs making a claim ???
That is another worry, that only rares it`s head when the time arises I suppose, but that`s what I researching afterall

May 18, 2011 at 2:50 am #201528

Mick Pilgrim
Member

Yeh, he had an 05 model KTM stolen from his garage. Im pretty sure it was QBE he was insured with and because the bike had 04 compliance plate (but was an 05 model, makes a diff of about $1000 in value at the time) they wanted to pay him out the value of an 04 model. He had to send in photos of the bike with all the extras it had and get letters from the dealer and KTM stating that it was in fact an 05 model and worth much more than what the insurance company wanted to pay out. He finally got the payout value increased but only after much hassling ( but not what it was really worth). :angry:
IMR are bike savy and know how the KTM year models run so no hassle and its agreed value.

Mick

May 18, 2011 at 3:04 am #201520

Dwayne O
Member

Cheers Mick,
My bike is manufactured 2009 on the rego papers, but classified 2010,,,,
IMR came back with agreed value of $14,500 ,
And they are $200 cheaper than others , with less excess by $200 as well :whistle:

Looks like a good choice

May 18, 2011 at 10:27 am #201529

Nick Jackson
Member

I just had to Renew the Tenere insurance and saved almost $300 with insure my ride over Nrma so your on the right track mate.

May 18, 2011 at 10:22 pm #201521

Jason Anderson
Member

EAGLE`02 wrote:

Probably been asked before,
But am what company do most of you guys on here use or find the best coverage???
Have heard that some may not cover for dirt use (fire trails etc)
Need to set up a policy for the 690 by the weekend & though this would be the best way to gather info & experiences good & bad :whistle:

Thanx in advance for any useful comments

g,day eagle.not trying to put you of insure my ride but I will never use them again. I derailed a chain on a firetrail and bent my gear selector shaft into the case and cracked the case. I told them what happened and they told me that I was not covered. But if I had slid up the road, hit a car, broke bones and cracked the case I would have been covered. This was a 1hr argument over the phone with this company. I told them you have too many grey areas in your policy that you have to work out for other claims. I will never use them again. This is just my 2 cents worth, but my claim was for damage,fire and theft.$1500 later i was out of pocket.what more damage do they want.just be carefull mate.thats all.DY4.

May 18, 2011 at 10:27 pm #201522

Dwayne O
Member

Thanx DY4,
Thats exactly the type of feedback I am after if its out there
Taken onboard for sure, I am still to do more research later tonite before I hook something up tomorrow arvo.

Cheers mate

May 18, 2011 at 10:42 pm #201552

Jason Anderson
Member

EAGLE`02 wrote:

Thanx DY4,
Thats exactly the type of feedback I am after if its out there
Taken onboard for sure, I am still to do more research later tonite before I hook something up tomorrow arvo.

Cheers mate

no worrys mate.sweet new ride ya got.seen one of them top gear pinned up a dirt road.power was unbeleaveable…….DY4

May 18, 2011 at 10:56 pm #201523

Dwayne O
Member

That won`t be my style for a while yet mate,,,,
Nice & Steady for me for a bit :whistle: :laugh:

Cheers

May 18, 2011 at 11:51 pm #201555

Chris
Member

Yep insure my ride Beags although when the paper work comes in the Mrs just does it so I’m not 100% on that. Might check that out a bit later.

Cheers
Chris.

May 19, 2011 at 1:03 am #201524

Dwayne O
Member

IMR is definately by far the cheapest, but I am still a bit confused on the actual coverage for dirt use :unsure:
Suppose I will just ring them tomorrow to be sure,,,,,

No more experiences out there ?????

Anyone????

I have since e-mailed them & will assess the answer tomorrow (if they reply)

May 19, 2011 at 1:32 am #201570

Mal
Member

Yep one of my bikes is with IMR and I’m sure it’s covered for off road use. They only cover for maket value but that’s pretty much standard these days.

I rang them when I was looking around for insurance and they were nice to talk too and knew all about bikes (a they should).
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