OzSTOC
General Category => General Discussion => Topic started by: BigTed on June 24, 2013, 04:33:38 PM
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It's in near new condition, never been dropped (knock on wood), 40,000km, black, ST1300 ABS, MY 2010.
My insurance is due for renewal. The existing Swann policy has a sum insured value of $18,600, at $630/yr.
I was looking at dropping the sum insured a little, and possibly looking at "InsureMyRide". Can anyone offer their 2c worth?
Cheers, Rob (W. Aust).
:blk13
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It's in near new condition, never been dropped (knock on wood), 40,000km, black, ST1300 ABS, MY 2010.
My insurance is due for renewal. The existing Swann policy has a sum insured value of $18,600, at $630/yr.
I was looking at dropping the sum insured a little, and possibly looking at "InsureMyRide". Can anyone offer their 2c worth?
Cheers, Rob (W. Aust).
:blk13
Rob I have the same year and only 20k. I am insured with Shannons and it costs me $460.00 and the same value as yours. I also get a a screen a year with no penalty. I have swapped one screen with no problems.
Cheers :blk13
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It's been my experience that if you say to your insurance company ,come up with a better deal or i'm walking,you'll be amazed that they more than likely have a similar policy much cheaper.i have gpz with shannons ,varadero with swan just the best deal i could get at the time.
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I have a 2008 ST1300 which is insured with Insure-My-Ride and it costs me $345 per year. :thumb
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It's in near new condition, never been dropped (knock on wood), 40,000km, black, ST1300 ABS, MY 2010.
My insurance is due for renewal. The existing Swann policy has a sum insured value of $18,600, at $630/yr.
I was looking at dropping the sum insured a little, and possibly looking at "InsureMyRide". Can anyone offer their 2c worth?
Cheers, Rob (W. Aust).
:blk13
Rob I have the same year and only 20k. I am insured with Shannons and it costs me $460.00 and the same value as yours. I also get a a screen a year with no penalty. I have swapped one screen with no problems.
Cheers :blk13
Same, same here.....
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The last couple of times I need to renew the bike, Insure my ride was much dearer than Swann. I have stayed with them as a result.
:o
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A few months ago I had a quote with insure my ride and with rating 1 the cost was around the $400 mark but they don't offer rating protection like Swan does.
Seven years ago Shannons wouldn't even look at me when I first got the bike as I rode seven days a week. What they like now I have no idea.
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Gah...
Just got my insurance renewal from Swan.
(http://i41.photobucket.com/albums/e276/marcusstringer/photo1_zps6a452e98.jpg)
This includes Tyres and gear/accessories
Just went to Insure my ride and got an online quote based roughly on what I'm covered for now
(http://i41.photobucket.com/albums/e276/marcusstringer/ScreenShot2013-07-18at81056PM_zpsd80a9fa1.png)
insure my ride was over $200 more then swan. The above pic included my upping my premium to reduce the amount and also not including gear and equipment...
Swan keeps my business. Market value $17,131 (could have sworn I originally agreed value of 20)
And this is Shannons, although that's bog standard, no cover for accessories etc.
(http://i41.photobucket.com/albums/e276/marcusstringer/ScreenShot2013-07-18at82850PM_zps5dca8af9.png)
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I have the GPZ with shannon's ,the varadero with swan,every year it get's worse,bloody insurance companies.
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"Insure My Ride" 2008 ST1300 $345 :thumbsup
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I ended up with AAMI who came out cheaper than Insuremyride, Shannons who were not interested due to riding 7 days a week, RACQ who do not cover the ST1300, I pay a bit more as they offer pay by the month. I will re evaluate when it comes up again and do the shop around for what suits my circumstances
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I have just switched from QBE to Youi
QBE $54.28 (Per month)
Youi $32.99 (Per month)
Includes $1500 cover for aftermarket parts (they will do up to $4300)
And riding gear (any riding apparel or protective clothing purposely made for motorcycle riding, including helmets, gloves, riding jackets, pants and boots, and any other motorcycle-specific gear, such as body armour and knee guards.)
(http://i1075.photobucket.com/albums/w435/ShineyOzSTOC/YouiInsurance1_zpscc4742ca.jpg) (http://s1075.photobucket.com/user/ShineyOzSTOC/media/YouiInsurance1_zpscc4742ca.jpg.html) (http://i1075.photobucket.com/albums/w435/ShineyOzSTOC/YouiInsurance2_zpse52525e8.jpg) (http://s1075.photobucket.com/user/ShineyOzSTOC/media/YouiInsurance2_zpse52525e8.jpg.html)
(http://i1075.photobucket.com/albums/w435/ShineyOzSTOC/YouiInsurance2_zps055d709e.jpg) (http://s1075.photobucket.com/user/ShineyOzSTOC/media/YouiInsurance2_zps055d709e.jpg.html)
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:wht11 py
and those companies are all owned by Suncorp who also now have their own panel beating repair shops who do some very shonky work. :fp :phone :well :|||| :|||| :||||
Tipsy
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Hey shiney wonder what the market value is :whistle and they want $600 for a windscreen claim :cuss
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Hey shiney wonder what the market value is :whistle and they want $600 for a windscreen claim :cuss
For the 2004 ST1300 the market value is $13000
and yeah very costly for the windscreen claim :eek but it is $600 for any claim... thats $100 less then the cost for claims were through QBE
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I just got a quote for comprehensive insurance from Youi
That can't be right? Can it?
(http://i.imgur.com/tfpLWbb.png)
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What was your agreed value?
It seems familiar but cant say for certain as I have the exact same model as you.
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They didn't say. They are ringing again tomorrow.
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I went with Swann this year for $30 a month with rating 1 protection, no screen coverage as they only do that with cars but the trailer is covered up to a $1000 (what I paid for it) while I'm towing it. Youi said rating protection was included but it was never stated in the wording on the policy or the PDS. The trailer was not covered while towing but I could have paid extra with Youi for that.
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Have just changed my car over to youi ,and thought id get the house quoted too ,they ask a load of questions ,but unlike suncorp who have put a blanket price increase across all of Emerald due to the two floods ,youi look your house up on google earth and look at where you are and take into account if you got water any where near you ( i did not,i live on the highest ground in town) anyhow long story short suncorp is $2500 just to insure the house no contents ,YOUI $789 so i am canceling my other policy and moving the house to youi ,why should i pay for bad risks ?anyway that's my two bob's worth .
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233$ with youi motorbike full comprehensive compared to Swann at a staggering $688 sum insured with Swann for $17,131
I think I'm going to switch.
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Marcus, Grab it while you can.
I just checked with Youi and they wanted $916.92....... and I already have a car insured with them. No way am I paying that much.
Quote from Insure my ride was $513.35
Bit of a difference, Insurance sure is a crazy business.
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Yup already done. Also checked out my house and contents and they quoted 850 compared with 1500 from GIA
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My cover with Swann cost around 500 last year and due early Feb. I have all other with Youi and they are similar. Have to requote soon. How do people get cover for 200-300. Is value low or something???
Sent from my iPad
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My cover with Swann cost around 500 last year and due early Feb. I have all other with Youi and they are similar. Have to requote soon. How do people get cover for 200-300. Is value low or something???
I only ride mine on weekends and store it in a locked garage, also I live in the country, I assuming that's the difference
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Does that mean you cant ride on Friday and Monday?
Sent from my iPad
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Does that mean you cant ride on Friday and Monday?
I think that means I don't ride it to work everyday, occasional weekly rides would be ok I guess.
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I only ride mine on weekends and store it in a locked garage, also I live in the country, I assuming that's the difference
Mine works out to about $360 a year with Swann, I live in the country, rating 1 and bike kept in the back yard for 24/7 riding makes mine cheap compared to your $233 weekend only riding
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Just got the renewal for my 1100, with Alianze... 347 covers gear and helmet too.
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That's the catch with YOUI ,if you have everything in your favor you pay very little ,they do not take on high risks at all ,my mate was refused cover as he was close to getting wet last big flood .
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Interesting quotes to say the least.... I live in Melbourne`s Eastern suburbs,,,,my 04 1100 thru Swan is $395 full comp Rating 1 and insured for $7982 their $ figure not mine. The 250 Suzuki Burg-man scooter for the missus is $210 full comp market value, insured to me and shes on the policy as the learner rider. Don`t quite understand where they get the figures from but hey........................... :wht11
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Women are safer drivers/riders, A girl here at work who rides, also get cheaper rates
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Got two quotes today. Interesting comparison.
Swann
Agreed value. $13000
Helmet cover $500
Gear 1000
Excess $400
Rating 1 protection (costs80)
Cost $462
Youi
Market value. Max 11200
Helmet 500
Gear 1000
Access $600
Excess $400
Cost $.302
Access value $2000
Cost $329
Mmmm
Sent from my iPad
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Righto, thought I would pass on this little tidbit!
Just bought a new bike (2010 Fat Boy Low - NO smartarse comments guys!) and got an insurance quote for both the ST & FatBoy from Swann. Both bikes with good coverage (Harley $20,000, Honda $8,000, Helmet $1000, Gear $3000, Personal Items $500). Swann quoted $865 per year for both.
At the same time, my finance broker offered to get me a quote for the both. Same deal on coverage and his price is $622 a year through Swann!! WTF?!? I questioned (with the broker & Swann) the massive price difference and have found that brokers can be offered discounts from the insurance companies that they wont/cant do directly.
After a bit of a chat with my broker, he's ok with me passing out his details for those that would like a price choice.
Justin @ East Coast Finance - 03 8682 8930
Justin is a good bloke and I can highly recommend him.
Cheers!
Nate
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Great info Nate, might give Justin a ring and see.
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Can he do insurance in WA?
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I'm in Qld so would guess nationally.
Sent from my iPhone using Tapatalk
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Cool
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Good on ya Nate, thanks for sharing the info :hatwave :clap :-++ :thumbsup
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I took out a comprehensive policy for a 2013 second-hand bike through Shannons today.
Agreed value $15,000.
I mentioned my accident last year that wrote off my Honda ST1300.
No other policies with Shannons.
Annual premium $339.41
It includes nominated items on the bike, crash bars and Erica spot lights; and $3000 accessories, wearing apparel etc.
My FJR1300 is with InsureMyRide. That premium is almost double the amount I paid today.
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Not sure what Shannons are like now but I tried them back in 2006 after I bought the 1100 and it was a big NO from them. It seemed they only wanted part time/casual riders not those who rode most of the time so I went with Swann.
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Swann Laos or quick with mine. Only catch was the helmet wasn't covered. An extra premium apparently.