Bike Already Stolen - Page 6 - Kawasaki Ninja 300 Forum
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post #51 of 60 (permalink) Old 05-16-2017, 08:53 AM
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Originally Posted by Cammywham View Post
I'd be curious to know if anyone around here pays more than that.
I had been paying $3135/yr in 2013. I was 25 with one speeding ticket (1-15 km/h over in my car a few years previous), had been riding for a couple of years already, owned that particular bike for over a year, and never had a claim in my life. The season in NS is probably even a little shorter than yours. This was with a professional association discount as well as a couple bucks knocked off the bike policy for having a car insured with them as well (the car policy is not included in that $3135 price tag). This was for pretty full coverage though, now I'm paying about tenth of that for just liability on 2 bikes.

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post #52 of 60 (permalink) Old 05-16-2017, 10:39 PM
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Originally Posted by 1uglybastard View Post
How many $100k cars do you come across? I don't have to worry about that in my area.
Personally, at least a dozen each and every time I ride. I live in an area where property tax is $15 - $20k/year. And NYC is not too far away. Lots of upper middle class families around I guess. And that is the reason, I decided to increase my liability coverage. Trust me, if I drove/rode in an area that isn't filled with expensive vehicles, I wouldn't get the higher limit coverage! Don't want to pay the insurance companies more than I have to.

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Yes. In fact I only have the bare minimum because it is legally required. If I need a lawyer, I can afford one. And the day a pedestrian steps out in front of me, my lawyer will prove it's his fault. 40 years of riding and I've never been in an accident that has been my fault.

"What If?" "What if YOU cause an accident?" That's the fear that keeps insurance companies rich. I don't play the insurance game. (well except for health insurance)
Gotcha...fair enough. Again, maybe I'm just being overly paranoid...but I like that peace of mind if that "what if" situation unfortunately happens. Although, I'm not at your status yet, but for the 20 years I've been licensed (10 years M endorsement), I have never filed a claim and no one else filed a claim against me via insurance. *knock on wood* Let's hope all of us keep the claims down!

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post #53 of 60 (permalink) Old 05-17-2017, 08:49 AM
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I think the need for liability depends on the person. A mature, careful and experienced person probably doesn't need it. Then on the other end of the spectrum you have Yammi Noob. He should probably be maxing the liability out.
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post #54 of 60 (permalink) Old 05-17-2017, 08:33 PM
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Originally Posted by IronWarrior View Post
I had been paying $3135/yr in 2013. I was 25 with one speeding ticket (1-15 km/h over in my car a few years previous), had been riding for a couple of years already, owned that particular bike for over a year, and never had a claim in my life. The season in NS is probably even a little shorter than yours. This was with a professional association discount as well as a couple bucks knocked off the bike policy for having a car insured with them as well (the car policy is not included in that $3135 price tag). This was for pretty full coverage though, now I'm paying about tenth of that for just liability on 2 bikes.
Lol alright you win. I was in Halifax until 2015. Glad I didn't get my bike there I guess!
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post #55 of 60 (permalink) Old 05-18-2017, 07:51 AM
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Glad I didn't get my bike there I guess!
I think the problem was that the Honda NC700 was a brand new model that year so they had no history to base anything on and the foolish insurance companies charged as if it was a 700CC inline 4 instead of a 50hp parallel twin. The year after I called them again to discuss, and the same coverage was near a third the cost.

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post #56 of 60 (permalink) Old 05-18-2017, 03:00 PM
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I live in an area where property tax is $15 - $20k/year. And NYC is not too far away.

Where ya at if you don't mind? Just wondering and didn't wanna look up coordinates lol
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post #57 of 60 (permalink) Old 05-18-2017, 04:26 PM
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I was in Marlboro, NJ. Moved to Mountain Lakes, NJ.

Riding it like I financed it.
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post #58 of 60 (permalink) Old 06-05-2017, 02:11 AM
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Originally Posted by Tactronaut View Post
I'll definitely take a look, when I'm off work.
Yeah I lucked out on insurance now.i have a $300 deductable and it only added about $81 to my yearly bill. Not sure if that will stick, but that's what I paid for now.

Thank you for the info and good vibes.

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You get that bike back on the road?

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post #59 of 60 (permalink) Old 06-17-2017, 11:03 PM Thread Starter
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You get that bike back on the road?
Oh yeah! Right now it's just for rides. I don't really park it, because I'm waiting on a full key set with my ignition and gas cap.

It rides great! I'm happy about that. My old tech manager is going to help me re paint it.

Best part about having no keys to start it is making the excuse at work to use the loading dock to park it inside.

Sorry for the late reply

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post #60 of 60 (permalink) Old 06-18-2017, 08:06 AM
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Originally Posted by Tactronaut View Post
Oh yeah! Right now it's just for rides. I don't really park it, because I'm waiting on a full key set with my ignition and gas cap.

It rides great! I'm happy about that. My old tech manager is going to help me re paint it.

Best part about having no keys to start it is making the excuse at work to use the loading dock to park it inside.

Sorry for the late reply

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Nice! Secure parking, the best.
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