I'm looking to upgrade from my 250 to a Kawasaki 636 Super Sports - so roughly 450% increase in power.
I been looking for insurance and it ranges from $700 for & full comp with QBE to $3200 with AAMI.
I'm 35 year old male been riding for 2 years. No disqualifications.
What is others experience?
Had a claim with them this year, and it was the easiest process ever. Highly recommend.
Just shop around. Some insurers dont like particular bikes. For example I cant get insurance on my Harley at all from Budget but they will insure a Hayabusa for only $600… go figure. I've noticed alot of insurance companies wont provide online quotes any more for bikes, I dont know what thats about.
$3200?? Sounds like there is more to this story… Never had insurance? Too many claims in the last few years? Refused insurance? 0% no claim discount?? Using it as a UberEATS delivery bike? Leaving it parked on the street in Frankston each night??
Also, if you are only going to be riding it every alternate weekend and hardly over winter, then ask them for a reduced use policy suited for the amount of km you will do a year.
The $3200 quote was just online without my details etc.
That is a good point about only on weekends etc. Monday to Friday I train.
What are you training for? 5 days a week I'm guessing the Olympics.
Catch the train lll
I pay about $95pa for 3rd party.
Who wirh?
aami
Do people increase their excess? I can get budget direct down to to like $350 with $1500 excess
I do. I work out what I would be happy to just fork out of pocket for in a minor accident and run with that. If it's up to about $1,200 to $1,500, I will just pay out of pocket to save ruining my rating 1 across ALL my vehicles. Most damage comes in two forms, a few hundred dollars (small scratch/dent) to thousands (major panel/write off), so if it's a cheap fix, just pay it. If you write off a vehicle and it's in trhe 10's of thousands, than $1,500 is a small price to pay for $35,000 write off.
The other end of it depends on how much of a reduction you are getting. If you are going from $600 excess to a $1,500 excess and only getting $12 off your premium, not worth it. Getting a few hundred off it, absolutely do it.
Not a bad idea for a motorbike. Small drops can often be fixed cheaply with replacement levers so you only really need insurance for the bigger events.
Try out Swann Insurance if you haven't already. They all but specialise in motorcycle insurance and beat out all the generic insurers in terms of specialised cover ie gear.
Male 27yo; clean history and I pay about $400/year for full comprehensive on my Ninja.
It might be too late but give Kawasaki insurance a crack. I just picked up a new Yamaha and Yamaha Insurance was ~$200 cheaper with better features than the next closest (which was AAMI). Maybe Kawasaki insurance is the same?
Ask Shannon's
https://www.shannons.com.au/insurance/motorcycle-insurance/