Insurance ,the bane of my life - Kawasaki Versys Forum
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post #1 of 21 (permalink) Old 09-05-2018, 10:20 AM Thread Starter
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Insurance ,the bane of my life

the story in ireland is you're limited to five companies, Carole Nash, Axa, Principal , liberty and MCE,
I am 54 years old ,a clean licence, 11 years protected no claims in Ireland, full licence. the bike a 1000 versys is a 15 worth about 8.500 euro.(group 11)
the bike modification is that the suspension has been lowered (by kawasaki), this does not increase the BHP it only allows people with short legs to mount the bike with ease!
the bike is datataged,has a built in immobiliser is kept in a locked garage at home or in secure multistorey staff car park at work (id cards required for entry) and an alarmed disc lock.

so renewal quotes, last year i had the BMWR1200CL (2003) @255 euro a year.
this year best quote 408 euro with 200 euro excess,
worst quote 700Plus euro
Worst case senario we can't insure your motorcycle because of the modification.
Also told that datatag doesen't make any difference to the quote.
I always felt when i lived in the UK that the insurance coswas based on the risk i represented not about getting more revenue or undercutting another insurance company.
Welcome to rip off Ireland!
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post #2 of 21 (permalink) Old 09-05-2018, 10:32 AM
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Quote:
Originally Posted by Fishforpike View Post
the story in ireland is you're limited to five companies, Carole Nash, Axa, Principal , liberty and MCE,
I am 54 years old ,a clean licence, 11 years protected no claims in Ireland, full licence. the bike a 1000 versys is a 15 worth about 8.500 euro.(group 11)
the bike modification is that the suspension has been lowered (by kawasaki), this does not increase the BHP it only allows people with short legs to mount the bike with ease!
the bike is datataged,has a built in immobiliser is kept in a locked garage at home or in secure multistorey staff car park at work (id cards required for entry) and an alarmed disc lock.

so renewal quotes, last year i had the BMWR1200CL (2003) @255 euro a year.
this year best quote 408 euro with 200 euro excess,
worst quote 700Plus euro
Worst case senario we can't insure your motorcycle because of the modification.
Also told that datatag doesen't make any difference to the quote.
I always felt when i lived in the UK that the insurance coswas based on the risk i represented not about getting more revenue or undercutting another insurance company.
Welcome to rip off Ireland!
I noticed my rates went up when insurance became mandatory, ironically enough to cover the cost of the uninsured.

Sent from my XT1575 using Tapatalk
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post #3 of 21 (permalink) Old 09-05-2018, 10:37 AM
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Insurance / Welcome to Canada

I pay just under $800 for my 2015 650 ABS, $500 deductible, that is a group rate, I am retired and have every possible rate reduction there is. Many pay well over $1000 per year so 1 Euro is $1.53 Canadian = $522 Euro best price to in excess of $653 Euro

You were saying
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post #4 of 21 (permalink) Old 09-05-2018, 11:27 AM
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Are we talking full coverage here or just Liability insurance?

Randy

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post #5 of 21 (permalink) Old 09-05-2018, 12:28 PM
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For full coverage on my V-1000 here in California I pay $850.00 a year...

2009 Blue Versys.
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post #6 of 21 (permalink) Old 09-05-2018, 12:37 PM
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I just got my renewal last week, same price as last year for me, $1/cc. So, for my 2015 V650, I am paying $648CDN for full coverage with $1000 deductible. Age, over 50 in Ontario Canada.
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post #7 of 21 (permalink) Old 09-05-2018, 01:42 PM
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Variation by Location

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Originally Posted by gecx905 View Post
I just got my renewal last week, same price as last year for me, $1/cc. So, for my 2015 V650, I am paying $648CDN for full coverage with $1000 deductible. Age, over 50 in Ontario Canada.
Variation by location, If I lived 80 KM south of Kitchener, my rate would drop $400 ( Aylmer, Delhi ). My group coverage includes Kitchener, Waterloo, Cambridge and Brantford , they take the number of claims, the number of bikes and the average price of the bikes in that area, do some number crunching and that is what you pay.
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post #8 of 21 (permalink) Old 09-05-2018, 02:14 PM
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Wow...lotta high rates. I pay $216 USD a year for full coverage with $500 deductible on 2015 V 650.

_______________________________________________

2015 Kawasaki Versys 650 - Barkbuster hand guards, Hepko & Becker crash bars, Oxford Heated sports grips, Motowerk lowering Kit with Kickstand insert, Shad SH45 Top Case and Brake Light, Shad Versys Top Mount Kit, Superlite 43T Rear Sprocket, National Cycle VStream Sport Touring Windscreen.

Roaming the country around Columbus in ever wider circles.
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post #9 of 21 (permalink) Old 09-05-2018, 03:43 PM
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Full coverage on my Harley and my Moto Guzzi is $460 a year here in the southeast out in the country. That is with a speeding ticket for under 10 over in 2016.

My Versys Travels:


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post #10 of 21 (permalink) Old 09-05-2018, 04:59 PM
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Just renewed the insurance for my AZ V650 - $297US - so I just leave it on ALL year. ONLY deductibles are $500 for "collision" and "comprehensive".

In BC (government insurance), it's the GREATEST RIP-OFF you can imagine. For SIX months [05 Apr to 05 Oct] it's $777CDN, so I NOT only do NOT keep it all year, but it ENDS 05 Oct, rather than closer to when we 'head S' on the 16th Oct, as I'd have to CARRY it to 05 Nov, roughly $129.50 for the TEN days I might use the bike, and for $12.95/ DAY - that ain't gonna happen.

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'08 V AZ, '15 V650LT BC
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post #11 of 21 (permalink) Old 09-05-2018, 06:24 PM
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For my 2011 650 I pay $96 a year.
That's For full coverage and extended medical and property damage well above the state min. I think I have 100,000 per person 500,000 per accident and 300,000 property damage. Oh and $10 of the 100 is for roadside assistance.

I get decent discount because of 3 vehicles insured and home as well through the same company.
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post #12 of 21 (permalink) Old 09-06-2018, 12:30 AM
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Quote:
Originally Posted by onewizard View Post
I pay just under $800 for my 2015 650 ABS, $500 deductible, that is a group rate, I am retired and have every possible rate reduction there is. Many pay well over $1000 per year so 1 Euro is $1.53 Canadian = $522 Euro best price to in excess of $653 Euro

You were saying
I pay less and am with TD. It pays to shop around. With a the large variances in bike insurance quotes I am left with the impression that no one in the insurance industry seems to be interested in or understand insuring bikes.

Last edited by twowheels; 09-06-2018 at 12:33 AM.
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post #13 of 21 (permalink) Old 09-06-2018, 06:55 AM
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$675/yr for my 2015 V650. That's full everything coverage with increased liability and medical coverages. Never a traffic ticket, no at-fault accidents ever, with just one claim 20+ yrs ago when someone else hit me. I get all my insurance from the same State Farm agent, so there are some small discounts involved.

My daughter had a terrible experience with Progressive when her scooter got hit. Her college roommates had borrowed it and were hit by a woman, also insured by Progressive, driving illegally on the shoulder as they were pulling into the parking lot. Bottom line was they had weasel words in their policy which let them skate on the majority of the claim. The a la carte coverages had lots of holes unless you have everything. Maybe it is different now, but I'll never use them again.

Last edited by Fly-Sig; 09-06-2018 at 07:00 AM.
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post #14 of 21 (permalink) Old 09-06-2018, 10:32 AM
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I pay less and am with TD. It pays to shop around. With a the large variances in bike insurance quotes I am left with the impression that no one in the insurance industry seems to be interested in or understand insuring bikes.
TD / Primmum , same here , pay as you ride, Renewal Feb.2019. Like I said, the area lived in plays a much larger part in the $$$ charged. Extremely high incidence of crashes within what is called the Golden Triangle Area. If I moved 100 miles in any direction, my insurance would be almost half.
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post #15 of 21 (permalink) Old 09-06-2018, 11:34 AM
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Also, I refuse to have my car tracked. Presumably I would pay less for insurance, especially now with a Subaru rather than the big Audi, because I don't drive many miles and I don't drive aggressively. At some point the technology will evolve to put the tracker on motorcyles so they see how aggressively you ride.
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post #16 of 21 (permalink) Old 09-06-2018, 02:56 PM
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Geico @ $184 a year for full coverage on my 2015 V-650.

Great fuel economy and cheap insurance, a winning one two punch.

Enough to put a smile on this monetarily challenged old fossil.
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post #17 of 21 (permalink) Old 09-06-2018, 03:57 PM
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Geico @ $184 a year for full coverage on my 2015 V-650.

Great fuel economy and cheap insurance, a winning one two punch.

Enough to put a smile on this monetarily challenged old fossil.

Ed
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post #18 of 21 (permalink) Old 09-06-2018, 06:16 PM
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I'm with TD here as well and pay $758 on my 2008 V650 with a $1k deductable. Time to shop around.

Dave C
2008 Versys (Red)
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post #19 of 21 (permalink) Old 09-06-2018, 10:18 PM
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$264/yr with Allstate for Liability + comp w/ $100 deductible. For a 2009 V650. I keep insurance on it year round as I ride it year round.
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post #20 of 21 (permalink) Old 09-07-2018, 08:07 AM
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I'm really surprised at the high rates. I'm with Progressive. For my 2017 V650 it's $266.00 full year/full coverage with a $375.000 deductible. Includes $3000.00 coverage on accessories at no extra charge. I'm in Minnesota.
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