View Full Version : Comprehensive insurance for my R1
Just got off the phone to Shannons for a quote for my R1. The guy on the phone politely told me that if I ride my bike more than once a week their insurance isnt for me. Im a motorcycle rider - not a poser that puts his bike in the lounge room (i put it out the front of coffee shops instead). WTF:cursing: Any ideas fellas?
Captain
10-03-2009, 10:02 AM
Yep, give Shannons the flick. I hate insurers that try to pick the safest customers, should be illegal. Otherwise how do we spread the risk?
(Did you know, for instance, that charging more to younger drivers is age descrimination, yet the insurers managed to get an exception for it? Fucking rigged, that's exactly what the discrimination laws are designed to prevent).
daskip
10-03-2009, 10:06 AM
i use AAMI here in qld
Yeah these pricks arent Insurers just pretenders. Fuck them. Atleast QBE always wanna play ball - always wanna negotiate, not always the best quote but ready to play. The wanker on the Shannons ad with the Ducati needs his Jaw broken so that way he can eat through a straw by feel instead of shifting by feel(no offence to Ducati owners)
spanky158
10-03-2009, 10:09 AM
That's weird mate, my R1 is insured with Shannons with no issue. Thing with Shannons is, the person on the phone has the power to either choose to insure you are decline your insurance, it might be worth calling back and seeing if you get someone else.
SIX36
10-03-2009, 10:13 AM
Yeah i had bad dealings with Shannon for a few reasons...they are far from helping riding enthusiasts.
Get a online quote from insure my ride then take it to QBE to price match, Insure my ride seem ok except for the fine print. There was a post on here about it regarding your bike even with full Comp is not covered if stolen from anywhere outside your locked garage or house.
heretic
10-03-2009, 10:17 AM
why bother calling them again, I called them and was given the same answer. They've lost my business.
spanky158
10-03-2009, 10:18 AM
OK, well don't call them again and call someone else. Problem solved.
clarkey
10-03-2009, 10:39 AM
QBE do multiple policies, 0200k, 0-4000, 0-8000 and unlimited k, two years on the blade cost me 1100 for 0-8000k per year and Im possibly a lil younger than yourself -Give them a whirl:confused1:
I would have thought your dealer would have neg a deal for you ? Sydney city Cycles Lancove have a guy that does there insurance , possibly drop them a line??
Birdman45
10-03-2009, 11:02 AM
yeah that'll be cheap. LOL I use Allianz for most of my stuff, they are always pretty cheap straight up, no taking other peoples shit to them etc. Maybe try them. You should be able to look up a price compairson thing on the net, (google it), OR just go to few websites and get online quotes to compare. It ain't hard, done it heaps.
bpmitch
10-03-2009, 11:07 AM
Shannons are a joke, they pretend they are for the enthusiasts, but they wont insure you if you are enthusiastic about your ride
oz r1
10-03-2009, 11:12 AM
Just got off the phone to Shannons for a quote for my R1. The guy on the phone politely told me that if I ride my bike more than once a week their insurance isnt for me. Im a motorcycle rider - not a poser that puts his bike in the lounge room (i put it out the front of coffee shops instead). WTF:cursing: Any ideas fellas?
:ayyy:check out Qbe for shore and ring "Insure my ride" but I'm shore a few guys on rats have said in the past that you really have to read the small print and what they actually cover from IMR and i think there a part of shannons any how. I am insured with qbe for about $650 for 12 months and that is a 03 R1 $12500 full comp.
oz r1
10-03-2009, 11:15 AM
Shannons are a joke, they pretend they are for the enthusiasts, but they wont insure you if you are enthusiastic about your ride
I have had the similar comments from shannons as ruprecht had to him , they also advertise to insure your daily drive but there full of shit.
Thanks guys, I appreciate your help Allianz gave me a quote thats 25 bucks cheaper by the month and QBE are trying to match it as we speak as they already have my old policy - no change over bullshit with DDR details. Still though was having evil thoughts about the 2008 zx10 for sale on RATS:dohsmiley:
Birdman45
10-03-2009, 01:10 PM
told ya.
does allianz replace in the first 2 years of ownership like QBE?
spanky158
10-03-2009, 01:24 PM
Is QBE Western QBE? Or just straight QBE?
Turtle
10-03-2009, 05:54 PM
Qbe..........
Ed_GSXR
10-03-2009, 05:59 PM
QBE are shite if you ever have to make a claim.
Turtle
10-03-2009, 06:05 PM
QBE are shite if you ever have to make a claim.
maybe for you dude,,,,,,,not everyone
Ed_GSXR
10-03-2009, 06:09 PM
They were beyond a joke for me. Non fault accident with a HWP cop as a witness, took 4 months to resolve while they tried to cut corners and bullshitted me (But that's a story for another day). Maybe I've not got your charm mate.
Turtle
10-03-2009, 06:10 PM
They were beyond a joke for me. Non fault accident with a HWP cop as a witness, took 4 months to resolve while they tried to cut corners and bullshitted me (But that's a story for another day). Maybe I've not got your charm mate.
took me 6 months to get a claim off Shannons for something they agreed to and noted on my policy !!!
Ed_GSXR
10-03-2009, 06:15 PM
took me 6 months to get a claim off Shannons for something they agreed to and noted on my policy !!!
I think claims processors come from the same planet as traffic wardens and politicians.
Turtle
10-03-2009, 06:17 PM
I think claims processors come from the same planet as traffic wardens and politicians.
Yep they can all EAT SHIT and DIE.......
zRoYz
10-03-2009, 06:18 PM
QBE are shite if you ever have to make a claim.
They all are to some degree because the fact is none of them want to pay you squat if there is any chance of getting out of it. There a necessary evil but the insurance industry are all gutter dwelling scum.
Ed_GSXR
10-03-2009, 06:20 PM
LOL We're all in agreement there then :lmao:
Captain
10-03-2009, 06:21 PM
That's gotta be a first hey
I have very good experience with Insure My Ride, I had a brand new bike in 3 weeks. Claimed a bit of money for crack in my mobile etc... I had a new helmet from MCAS next day so I could ride my mates bike (thanks Mr Ed). The only problem is they cover the mods only up to $2000. But cover for gear and other personal items is pretty good.
Although Shannons advertise " insurance for the motoring enthustiasts". They really cater for the rider/driver that uses their vehicle for weekend use and not everyday use.
Insurance like a lot of things is a personal choice and you need to find one that is suited to your requirements.
I find that insurance companies are very eager to get new business but do not apply the same vigour to existing customers.
Good luck
dazzler
10-03-2009, 07:02 PM
cant offer "no claims bonus to new customers..as such
therefore cant really offer a discount
easier to get more outa you dollarwise
clever business....
its about finding the best of a bad bunch
MarkyGG
10-03-2009, 09:17 PM
it seems this is a shannon's bashing thread. i had 4 bikes insured with them ( i say had 4 because i wrote off my gixxer ) never had any hassles they paid me out for the bike inside a month and my gear about 5 weeks no questions asked & i'll say they the dude who took care of my case couldn't have done a better job of getting it sorted for me. they even cover my track bike up until i take it of the trailer at the track, that is for theft fire stolen or damaged in transport. the other thing to remember here is they were also the first to cover riding gear none of the others bothered until shannon's come along & took some of their business. i for one will stick with SHANNON'S as i personally have had nothing but a good relationship with them :ayyy:
Turtle
10-03-2009, 09:28 PM
it seems this is a shannon's bashing thread. i had 4 bikes insured with them ( i say had 4 because i wrote off my gixxer ) never had any hassles they paid me out for the bike inside a month and my gear about 5 weeks no questions asked & i'll say they the dude who took care of my case couldn't have done a better job of getting it sorted for me. they even cover my track bike up until i take it of the trailer at the track, that is for theft fire stolen or damaged in transport. the other thing to remember here is they were also the first to cover riding gear none of the others bothered until shannon's come along & took some of their business. i for one will stick with SHANNON'S as i personally have had nothing but a good relationship with them :ayyy:
Do you mean QBE ???
MarkyGG
10-03-2009, 09:29 PM
no i'm with shannon's
Turtle
10-03-2009, 09:31 PM
no i'm with shannon's
I thought you went back to QBE........anyway doesn't matter...
MarkyGG
10-03-2009, 09:38 PM
qbe were more expensive for me & shannons give me a hefty loyalty discount i also bundled in home & content ins. & on that they were about the same as or cheaper than the majors
Turtle
10-03-2009, 09:39 PM
qbe were more expensive for me & shannons give me a hefty loyalty discount i also bundled in home & content ins. & on that they were about the same as or cheaper than the majors
Shhhwwweeeettttt mate.....
MarkyGG
10-03-2009, 09:40 PM
for me maybe not others i guess it all depends on your circumstances
Birdman45
11-03-2009, 09:21 AM
cant offer "no claims bonus to new customers..as such
therefore cant really offer a discount
easier to get more outa you dollarwise
clever business....
yes they can.......... I insured a car the other day never had insurance with them before but coz I hadn't made any claims with anyone else, I got a 60% NCB. It's all about their RISK, not if you have been with them before.
spanky158
11-03-2009, 10:12 AM
yes they can.......... I insured a car the other day never had insurance with them before but coz I hadn't made any claims with anyone else, I got a 60% NCB. It's all about their RISK, not if you have been with them before.
Yep, they will always honor your NCB provided you have had x number of years continuous insurance with someone else. It's the new insurers who haven't had insurance with any company that can't get a NCB discount
j-rad
11-03-2009, 01:32 PM
Call New England Insurance brokers.......
My first bike was a 96 GSXR750 and I was on my Learners permit - full comp for $800/year through a company they found.......excess as only $500..
MarkyGG
11-03-2009, 01:55 PM
Call New England Insurance brokers.......
My first bike was a 96 GSXR750 and I was on my Learners permit - full comp for $800/year through a company they found.......excess as only $500..
how they insured that i'll never no i didn't think you could ride a gsxr750 on your l's or is that the catch take your money & then say we can't payout cause your on ya L's. or has the capacity changed? i saw a guy on a gsxr750 08 with p's displayed?:confused1:
6ixxer
11-03-2009, 02:10 PM
That sounds like a probation penalty for losing all his points.
6ixxer
11-03-2009, 02:19 PM
other than this line in their PDS I can't see InsureMyRide denying theft claims outside your own garage.
"You must take all reasonable steps to safeguard your bike, riding gear and personal valuables from damage or theft."
My reasonable step is to NOT keep my bike in my own garage.
its a unit complex common 'security' garage that's previously had 5+ bikes stolen and vandalised.
I've had one stolen and one attempted. Nutter can support me on this one as two of those stolen were his.
Does anyone have a link to these dodgy exclusions?
One Mofo
11-03-2009, 05:55 PM
Try ebike have been with them for a year now, been heaps cheaper, had someone run into my bike they paid out no issues although i did get the guys name that ran into me so that might have helped.
Captain
11-03-2009, 05:58 PM
I thought someone said there was a major problem with the cover provided by ebike ... not an issue if it wasn't your fault I guess. Anyhow I think it was ebike, don't want to give anyone a bumsteer :confused1:
A quick search found this: http://nswroadandtrackbikes.com/forums/showthread.php?t=8319&highlight=ebike not really a huge problem, there might have been others, not sure.
j-rad
11-03-2009, 06:27 PM
LOL, should've mentioned sorry > when I was on my L's it was legal to buy ANY bike you wanted :D SCHAWWEEET
I got in about 12 months before the laws changed to the current situ which still still better than NSW > 150kw/tonne, opens up bike choice!
My bike got stolen so under the new laws I would've had to have bought something and couldn't even buy a similar bike to what I owned! Since I'd ridden dirt bikes bigger than that for some time on the farm, hence the larger bike straight up, then be blowed if I was going to buy a 250 or something!
Thankfully Police retrieved my bike, lying on its side on the footpath in another suburb. they'd used a crowbar to get the disc lock off, had jammed the bar into the tank to open it for fuel...it was a right mess.....cost to repair was $8300 thanks to ACTION replacing stuff it didn't need to write something off I didn't want written off cause then I'm back to a smaller bike! Anyhow, bike was fairly new so still worth enough to JUST be able the 2/3rd rule so got all new fairings, tank, lights, blah blah......
Birdman45
12-03-2009, 08:47 AM
Yep, they will always honor your NCB provided you have had x number of years continuous insurance with someone else. It's the new insurers who haven't had insurance with any company that can't get a NCB discount
well not exactly, I filled out that my previous car wasn't insured, and that i had no at fault accidents in the last 5 years or whatever, and bingo...........so to them, I was newly insured and I still got the bonus.
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