Ducati Monster Forum

Now I did try to search for info regarding bike insurance - but as we're all new, there are no older topics, so....

Any suggestions for bike insurance?  Have checked out insuremyride.com, and a few of the other majors - any others you can think of?  ???

I know this topic has been covered before on the other site, but i'm not going back - even if I could!  >:(

Cheers

I looked into it heaps, I found premiums varied but the inclusions got me! I found QBE to be competative and offer best valuation... Agreed value was the full purchase $ of the bike and therefore the best.  Excess was lowest for me. ebike was cheapest by a long way when I got my original quote but only valid for 2 weeks and price went up to similar to the others when i went to obtain the insurance as the quote expired... Lesson learned.... If you get a very good quote don't sit on it as the price can quickly change.

Another recommendation for WQBE here - I've been using them since '99, they've always been cheapest or within a few percent of cheapest every renewal time, and they dealt well with both claims I've made.

big

Have always been with WQBE but I have no claim history to draw on.

This does however bring up another point - would we be entitled to a 'club discount' through the DMF? I know it was discussed a couple of times 'somewhere else'.

I got discount thu D.O.C membership...

Yep WQBE best value and most options.
My last renewal I spoke to them on the phone and managed to save another $80 on the quoted premium.
Just because I was asked a couple of questions about how much I ride etc....
Also got the D.O.C. NSW discount.

When did you become a D.O.C member Matty  ??? ???

Been there since I got my bike.
More than a year now.
Did my renewal a little while back for the 2 or 3 yrs.
Still trying to get out on one of the rides with them.

I have had a good run with shannons cant say anything bad  wt:

WQBE here as well. As I have lots of bling I was able to send them copies of receipts and have my "agreed value" increased for a very small fee. Last lot of bling didn't cost anything....  wt:

Got My D.O.C. (different to DOCNSW) with the Monster. Included Ducati Road Side assistance for 2 years (which I have used and the services was very very good).  8)

You know that Big Al is the ride coordinator ???
Just make a suggestion that may suit you and he will arrange a club   wt:

Got my club discount with the NDDOC. Thought others might be interested.

But that Ducati assist seems to be more of a sales thing than anything. When I got my baby I was told they were going to extend it to older models and you could renew after the 2 years. But after 2 years they didn't want to know me (which is fair enough, I get that a lot) or the Boss (which is less believable).

That's another good point I forgot to make about WQBE, when you phone their motorcycle insurance number, you get to talk to interested and capable motorcycle riding people. They gave me quite a bit of good help and advice when I was sorting out my last claim where I ended up without the other guys details - they talked me through how to get the police to direct me to the right police station, what to ask the attending officer to do and send me, and generally help me through the process of claiming.

I don't know that the other insurance companies _don't_ do this, but I do know I was very greatful for the assistance I got from WQBE when I needed it. (I don't know if they'd be quite so helpful in an at-fault claim where they were going to end up paying out, but they went to great lengths to help me identify the at-fault driver and his details/insurance company...)

big

I got a quote from Shannons just recently, and to insure both bike and car (Ford Fairmont Ghia) Its about $1100 per year which I thought was pretty good but I will give WQBE a call to see if they can beat this.





                                                Mmick

Go on Mick, admit it, you register your Gogomobile with them too!

;)

big

Sorry Ian, I'm a pommy by birth, not a Scottish Git....








                                             Mmick (no wonder they lost the war)

+1 for QBE, best price, a real person and a bike rider on the other end of the phone, DOCQ discount and discounts for old blokes like me, nomination of  1 rider, kms travelled per year etc.

CRICKEY!!  If I can get a discount for being an old bloke, and a discount for being in a club, and then maybe a discount for knowing a really old bloke in the Ulysses club (G'Day dad) they will have to pay me.... hmm.... let me just think about this while I  dr::






                                                         Mmick

Yep - I am with WQBE and they have insured all my bling as well - And as some of you know there is quite a bunch of BLING!

But the real reason I like them is because this year I got my insurance for free - Best Monster on the Turismo 2007! :wine

Ciao R_usty

I'm with WQBE too, they were half the price of Shannons - due to no claim, small k's, club discount etc.

No wonder they took the previous forum as a club - we're all with them!

Hey I know more than a few Goggo owners (one even only has two wheels) ... and some of them are only slightly more eccentric than Monster owners  :o

QBE cost me $749 for $32,000 cover, Shannons charge $50 more but you can pay by the month at no extra cost (but they wouldn't insure my Fairmont Ghia cos I park in the street!)

I'm assuming the $32,000 cover is not for a Monster, If it is  I WANNA SEE IT !

oh, I'm with QBE too, totally surpirsed by the quote for the S4R, it was 1/2 of what I was paying through Suzuki Insurance (don't ask why) for my old Z1000.

32k for a blinged s4rs is not far of the $ ???

Just my exhaust and ecu cost me 5k add that to 25k plus on roads then you start to bling $$$  :o

Mrs dockstrada still thinks its worth 7k

Nah, I traded my Monster for a HD (read too many 'Fraser Monopoly' horror stories on these forums), plus the seat was too small.  :-[

That's why we like to call Mark, "The Lobster"

WQBE have proved the cheapest/most interesting for me and their reps helpful and friendly.  But I am over 40 and have never made a claim so easy for them to offer me a good deal I guess.  The real test is when you need them to come to the party...  and for better or worse I never have needed them to.

And if you ever do, ask for Lachlan. A really good bloke! don't talk to one of the women there.

Well I just got a quote from QBE - $472 for market value (including up to $4000 cover for gear)

Thing is according to stupid 'red book', market value is $8000!!!!!! Bike is an 01 S4.  Is this accurate?  ???  Now i'm not sure - not that I hold red book in any high esteem....  :-\

She said I can do 'agreed value' - but most they could do was $11,000 - takes the premium to $600

Now both these quotes are significantly cheaper than most others - i've got suzuki cover like Dos Verde (again don't ask why!!)

Have to say I was speaking to some chick who gave the impression that she really wasn't sure what bike it was - seemed to have trouble finding my bike in the listing she had...  Think she went with 'Monster 900' which it isn't - not really anyway...

Might try again later to get someone else...

Thoughts?

We love Mrs Dockstrada, god love her knowledge of motorcycles.

i'm with shannons.
i have two dukes and both are restricted klm policies and for the coverage they offer it is cheap. my car and our home and contents are with them as well, so no complaints here. oh, and every year i shop around cause i'm "careful" with my money unless it's for the bike [thumbsup]


paul.

I'm with "Insure my ride". Just over $400 and the replacement value is more than I paid for the bike. It also covers gear up to $2k.

I've never made a claim but a friend has and it all went smoothly for him. His bike was written off and they assessed and paid out quickly and even negotiated with him so he could buy the wreck as a project bike (and the fact he had bonded with it).

I got a discount for being old, being a club member (IMC Tas) and recently doing a stay upright course. I also don't commute on it.

Seems like a good deal to me.

She is a princess  ;D

When I thought about WHY I wanted insurance, it's mainly if I write the bike off or it gets stolen, otherwise I would have gone 3rd party. With this in mind I increased the excess to $1000, I can chuck this on the credit card if crap ever happens, and as long as it doesn't I reckon thats saving me around $100 a year on the premium.

OK time to resurrect this thread because it is insurance time (might as well keep it in the one place).

Can you guys fill me in on the implications of having no listed "non-standard accessories"? Also the implications of listing "non-standard accessories".

Over the past year my baby has transformed a little (thanks a lot you bastards), not that she is quite the wicked wench but she has become a very naughty girl. Now I just want to know what will happen to her jewellery if there is an incident (life threatening, abduction or otherwise), seems like they could actually decline claims if damage is only to the non-standard bits.

Your advice and opinions please? ...... oh yeah, currently with WQBE agreed value.

List all of them with WQBE.

As you may know, was in a wee accident in March, I can't remember it was that long ago. But my non standard bars, mirrors and exhaust was not listed.

Luckily, the exhaust was cheaper than the OEM standard exhaust  [roll], I don't know how much yours would be?

I had to source the bars and mirrors myself. i don't know if WQBE or repairer would do that for you?

So, in a nutshell, list them, it would only mean a few bucks more for peace of mind.

I would write more but she who must be obeyed wants the computer.  [roll]

Be back in a couple of hours.  :-\

I think thats the right approach - if the aftermarket parts are more expensive than OEM or difficult to get hold of, list them - you don't want your insurance co to replace your bling CRG levers or Rizoma mirrors with stock OEM ones. If they're not a "standard part", like a rack or a bellypan, list them.

I'd also make sure I listed any mod they might consider "performance enhancing", slipons might go unnoticed, but a PCIII might not, and I certainly wouldn't want to be claiming on a bike that I hadn't mentioned to them I'd stuck a turbocharger on... I'd probably also be pretty forthcoming about brake mods or significant wheel size changes (you put an 8" rim and a 200 setion tire on your 620? tell em about it!)

big

Thanks guys thats kinda what I thought, sourcing parts was one of the tricky bits I s'pose. But I also was not sure how expensive some of those OEM parts are ... for example I don't know if anybody has actually bought a standard exhaust system for a monster but I am assuming it would not be cheap.

Do I need to tell them how much it is all worth, 'cos I dunno if I want to do that calculation ... and I have spent nothing like some of you guys.

I think, standard exhaust was around $1800. [roll]

I don't know what else you have purchased, but, I dare say that exhaust is not off the shelf. Which I already know.

If and when you ring them, they "may" ask you about aftermarket parts or accessories, so if you can't remember or just don't know, give 'em a rough guesstimate of each part/s.

And also, a standard set of bars is around $150 and mirrors I have no idea. Standard levers are around $60 each.

Don't know if I could help you anymore.  ???

Mine (parts) are listed with WQBE but I declined to add extra to my premium to cover them.
That being said it was an easy process, just spoke to them over the phone listed what's on the bike.
Told them the value, mostly listed the major parts i.e.
Pipes
Mirrors
Bars/grips

Items that would be prone to breakage in a garage fall or small spill but still cost 3-4k to repair.
I could have paid the premium to cover everything but it would have meant totaling everything spent and sending receipts to WQBE.
As I very rarely if ever park my bike out of eyesight I am taking the chance on leaving my cover this way.
But my items are listed and as pointed out OEM parts would be far more expensive to replace than whats on it now.

Good luck with the renewal, I think you'll find they are very reasonable with such things.