Want a cheaper deal on insurance!!!!!! then read on

[Boxhead]

Hi All

Just got some bad and GREAT news on my insurance for the SP1.

My renewal for my Swann insurance came this week in the mail and much to my disgust because i had to claim on it last year has gone up instead of coming down (of course, coz they dont like it when u pay them a hefty premium and then use it).

The premium was going to be $3015.00 and I said, holy bejesus!!!! :cry: :cry: :cry: As i seriously was going to have trouble affording that I decided no way there must be an alternative.......AND THERE BLOODY WELL WAS

I rang a few companies but had the best luck with WESTERN QBE. Here's the deal and I strongly urge everyone to at least phone them up and find out what they can do.

I gave them all the details they needed, no bullshit, last years claim, speeding fines for the last 5 years the full nine and even without a no claim bonus they are only going to charge me.......get this $1357 how stoked am I.

The only draw back is that they dont do helmet cover and are not really concerned about what mods u have on your beloved machine.

My normal excess has come down but because I have had an accident in the past 12 months then I have quite a high imposed excess but is still only $1100 if I have an accident and it is worse case scenario......like me being an idiot and street racing after getting airborne over a mound of dirt flying over the all ready 2 street racers doing well over 200km/h in 5 gear like on Biker Boyz.

The saving grace of this policy is the best thing. If I wasnt living in WA well then they would of just laughed at me and then politley said piss off but because we live in WA, bless this state, you get a LOYALTY DISCOUNT!!!!!!!! aint life grand.

So do yourselves a favour and give them a call on 1800 243 464, it just might be very worth while 8) 8) 8)

[FraG]

Farking sweet.

LOL I say swann can go fuck themselves. I had a 40% No claim with swann insurance, not one accident etc, and when I lost my license while back and ring them up to tell them I will be charged for reckless they told me they will not insure me... (Murphys Law: ofcourse 6 months later without insurance I have an accident that costs me 4500!)

40% no claim! first real ever driving offense (aside from crossing white line of intersection) sigh...

So I say can you just insure my baby for 3rd party fire and theft?
THey told me to go fuk myself again and were quite rude about it.

And after all that the bitch was shocked when I said I want to cancel this policy now! LOL .. but sir you have another 6 months paid for... yes and I'd love a refund as of this day.. But sir you sure you don't want to keep this policy for the duration?? LIke what the fuck for I say... so if i have an accident you can tell me to go screwmyself coz of reckless charge.. pfft.!!!

Hrmm I wonder how Western QBE would look at my record ahahahahahahahahahahahahahahahahaha No insurance for me for the rest of my lifetime I should thinks.

Pfft.. I have spent over $10,000 on insurance over the past 6 years so I say they go Fuk themselves and I just put the extra 2k a year onto the bike loan or "emergancy fund"

[Deej]

That is very interesting box. We should all ask for a requote.

[djnitrous]

Yeh, my deal with speeding fines, and my crash I got them as low and ROUNDED to the dollor making it $1,100

[Hewie]

thats interesting ..as im with swann .. i have a insurance history stemming from cars and my premium is $550 a year ...

[Melkor]

That's because them zx-2rs are slow as buggery and dont have a high class rating with insurance companies

[High Abuser]

hows this for a winner

I bought a busa 02

3mnths later ..i drop said busa

$300 excess
kewl

I ask about rise they say nope KEwl i say.

now the bike gets fixed & off i go happy as ..this is all with swann

6 months after i am selling my bike caused i am leaving the countree for 2 yrs so i am cancelling everything.....

I get a notice from ..Ramada I think it is the agents that handle the payments for swann

it appears that when i bought the bike the first payment was automaticly payed for in HP payment

I thought i set up auto matic payments but nope i only made one payment
Shit i think...so i ring them up & say hang on how do i go for that long & no one picks this up...the chick appologises and says yup i owe them a few grand ....at this point I am frustrated so i sya i will check my bank statements...
i do & find i am in the shit :cry:

so i ring back ..explain the deal

she says so do you own the vehicle & i say nope I have sold it...I had too

she says well we will look into it
she rings back & says ...send an email or fax cancelling every thing..i do & to swann

then ring back & say ..how much do i owe is the letter correct that you sent telling me that I was in err of payment....
she says............nothing
I said no the letter here says i owe $2000 odd bucks

she says I manage this & as far as i am concerned its is cleared up
I said look you are not gonna give me a bad credit history for non payment so sort it ..she says its closed ...done deal
I said are you sure I have this letter...she cut me off & says its not like you are gonna pay it now are you..I am thinking WTF I am trying so i said nope she said account closed period thank you have a nice day.

here i am laughing right then i get a responce from Swann saying sorry to hear the policy is closed.....checks in the mail

sure enough i get the last 3 months payment back...WTF !!!
it was more than my first payment...even covered the excess.
still laughing I dont understand it & i kept it real close to my chest for ages..told a mate & he said what a bunch of fuckwits ...I agree I dont know what happened , dont understand it & now ..dont care..I have been watching the mail for soooo long.....
its like the time Telstra credited me $850 for over payment i never payed..i quireied this fucker too & nope i made the payment to their records...but my bank statements say no way Jose`..ok what ever

so for the times others have lost..remember i have let the system screw themselves to my advantage
still laffin

[Hewie]

That's because them zx-2rs are slow as buggery and dont have a high class rating with insurance companies

funny ...

class rating is 3 i think .. full faring sports bike .. same as ur K3 .. i think its the replacement value that makes the difference... dunno .. will find out in 2 months ..: )

[FraG]

hahaha thats awesome... How can you sleep at night :twisted:

[Morgz]

Farking sweet.

LOL I say swann can go fuck themselves.  I had a 40% No claim with swann insurance, not one accident etc, and when I lost my license while back and ring them up to tell them I will be charged for reckless they told me they will not insure me...

Before I go on Frag, I'm not dissin' you here.....

BUT

What do you expect? Insurance is a gamble. You pay money to the insurance company and they take a punt on the odds of you binning it. If they don't like the odds then they choose not to play the game with you. I had max no claim with Swann for ages and had a low speed drop that cost me 20% of my NCB. It was my fault and I am not grumbling. Every time one of us dumps our pride and joy doing something avoidable, the rest of us will eventually pay through higher premiums. Insurance companies aren't my favourite businesses either, but they are necessary and they aren't charities. Someone flipping their toy practicing wheelies might be slightly amusing to some, but it is costing all of us in the end.

...anyways I guess I can afford to be a little more open minded on the subject, my premium (full comp) on the XX is only about $600 If I had to pay what you whipper-snappers do, I think I'd have to think twice about what I was riding :cry:

[Klink]

R1 insurance, 26 years old and 30% no claim bonus. 3 speeding fines all under 20km/h over the limit, and one other claim in 2002:

Swann: $1550 per year
QBE: $2041 per year

:?

I'm thinking about going with QBE regardless because Swann is giving me the dick-around.

[Morgz]

R1 insurance, 26 years old and 30% no claim bonus. 3 speeding fines all under 20km/h over the limit, and one other claim in 2002:

All these farkin speed cameras must be sponsored by insurance companies. Imagine what all these 6-10km over fines are costing people in insurance premiums. What a scam. The insurance companies are using it as ammunition to jack up premiums :evil: It's time the voting public started letting it be known that they've had enough of this shit.

[FraG]

>>> Before I go on Frag, I'm not dissin' you here.....

Look I understand how insurance works and know exactly what u mean however my driving record until that offense showed only 1 infrigement. Now swann being a specialist Motorcycle insurer should know its market share of people... We are all insane (some more then others), and therefore as an insurer of insane people swann should be a little more liberal in its approach to its "paper" point system policy.

I had my initial Reckless Driving charge given to me for a mono, now what % of bike riders do monos from time to time? The insurance company know that we do it and well should expect it, heck I was paying more on insurance then my mate did on a 45k car.. so I assume the increased risk is already factored into the grotesque charges...

I didn't complain paying $1600 p/y on a 18k gixxer policy, nor did I complain when I had my 98 RGV250 insured for 10k and I was paying 2100 per year. Like I said after paying over 10k in the years I was with insurance companies and having had no accidents and decent no claim I would now have to start with 0% no claim and a ridiculus policy for a simple mono....

Isurance is Phucked, government regulation of insurnace is even worse, .... bah ..... In the end it is my fault so ill stop ranting, crying, venting Guess I'm jealous that you boys can buy your fancy new bikes and have insurance and at this stage I wont have a new bike until 2010 on simple grounds that I will not buy a new bike without fire/theft...

WHaaaaa!!!! Whaaaa!!

[djnitrous]

That's because them zx-2rs are slow as buggery and dont have a high class rating with insurance companies

funny ...

class rating is 3 i think .. full faring sports bike .. same as ur K3 .. i think its the replacement value that makes the difference... dunno .. will find out in 2 months ..: )

Replacement value ... How much is it worth! - Your most likely right!

So when is the big boy coming .. 2mths you say

[Bulbous]

my scam was along the lines of.......
i had no insurance on the big girl at all, so finally (after two years) i decided that i would ring around about it. no no-claims bonus, and 25 years old, and wanted to insure for 15000 (covering the exhaust and stuff).

swann and i don't get on that well, so i rang western qbe, and they said no no-claims and $15000 would be $2500 a year. so i rang SGIO and they said since you haven't had any sort of accident in the last five years, we will give you 65% no-claims bonus with no-claim protection straight away, but the premium is going to be $2500 including the redudtion :shock: :shock: so that works out to $7500 before the reduction......... shit!

so i did the sneaky. signed up for SGIO on pay by the month, then after the GST part was paid off the policy, changed to western qbe with my new 65% no-claims with protection, and now pay $1000 for the whole year. bit of fucking around, but worth it in the end.

now she is all ready to go............. :twisted: :twisted: :twisted: