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Offline Hando

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I don't understand
« on: February 03, 2016, 03:18:00 pm »
How can people ride (adventure) bikes without insurance ? Any bike really , but adventure bikes even more so. Statistically you are just so much more prone to fall and damage your bike on a dirt road.

Surely if you can not afford the insurance then you can not afford the bike/lifestyle ?

I have bought two bikes in my life and both times the bike was insured even before I was on the bus to go and fetch it from it's owner. I will not put the key in the ignition of a bike / vehicle that does not have insurance.

The same goes for cars while I am at it. I see the TV add every morning where people are shown saying they can not afford the insurance. Then surely you buy a cheaper car with a smaller repayment so your budget allows for insurance as well ?
« Last Edit: February 03, 2016, 03:27:28 pm by Hanno @ Mad Macs »
 

Offline ETS

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Re: I do nt understand
« Reply #1 on: February 03, 2016, 03:22:44 pm »
By not paying insurance you save big bucks. The insurace i have saved over the last 10 years paid my latest bike in cash
If i had to explain you would not understand anyway......
 

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Re: I do nt understand
« Reply #2 on: February 03, 2016, 03:23:54 pm »
How can people ride (adventure) bikes without insurance ? Any bike really , but adventure bikes even more so. Statistically you are just so much more prone to fall and damage your bike on a dirt road.

Surely if you can not afford the insurance then you can not afford the bike/lifestyle ?

I have bought two bikes in my life and both times the bike was insured even before I was on the bus to go and fetch it from it's owner. I will not put the key in the ignition of a bike / vehicle that does not have insurance.

The same goes for cars while I am at it. I see the TV add every morning where people are shown saying they can not afford the insurance. Then surely you buy a cheaper car with a smaller repayment so your budget allows for insurance as well ?


 in a "normal" country , it would be illegal NOT to have insurance ........... but nou ja
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Offline Pullaway

Re: I do nt understand
« Reply #3 on: February 03, 2016, 03:26:22 pm »
Insurance is an expense one need to pay to replace a necessity when you cannot afford to replace it yourself, in case if loss. So if you do not see your bike as a necessity, or you have enough money to take the knock yourself, if it happens, don't insure!  
« Last Edit: February 03, 2016, 03:27:23 pm by Pullaway »
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Offline DUSTRIDERS

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Re: I do nt understand
« Reply #4 on: February 03, 2016, 03:26:41 pm »
 I will not put the key in the ignition of a bike / vehicle that does not have insurance.

+100

Neither do I ride other peoples bikes :deal: That is just looking fot trouble and ruining the friendship.

Guess you also like to put the bike immediatly in your name? Some cannot care how long they ride on the old owners papers even selling the bike while it's still in the previous owners name.
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Online punisher

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Re: I don't understand
« Reply #5 on: February 03, 2016, 03:29:05 pm »
uhmmmm ...... insurance isnt only about the "uninsured" oke  ff's , its the innocent person who gets hit by the uninsured twatwaffle 
just wanna have fun , and ride ... and ....... ride
 

Offline ClimbingTurtle

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Re: I do nt understand
« Reply #6 on: February 03, 2016, 03:29:47 pm »
By not paying insurance you save big bucks. The insurace i have saved over the last 10 years paid my latest bike in cash

No problem if you can afford the parts when it doners over in the parking lot or whatever - but lots of people can't - bikes on HP, using the Missus grocery money for tyres...  :biggrin:
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Offline lpj

Re: I do nt understand
« Reply #7 on: February 03, 2016, 03:30:36 pm »
By not paying insurance you save big bucks. The insurace i have saved over the last 10 years paid my latest bike in cash

If I go this route, the next bike I'll be able to afford will have to cost less than R 300x12x10 = R 36,000. This will then defintely be my last KTM.

On the other hand though, if I manage to write it off, insurance probably won't give me a lot more, even though insured for more...  ???
 

Offline Xpat

Re: I do nt understand
« Reply #8 on: February 03, 2016, 03:33:36 pm »

 in a "normal" country , it would be illegal NOT to have insurance ........... but nou ja


I believe that is true only for the 'third party' insurance to protect potential victims of your mishaps. Your own insurance - theft and crash - in most if not all countries is at the owners discretion.

Offline bronzy

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Re: I don't understand
« Reply #9 on: February 03, 2016, 03:40:43 pm »
and what about riding with out medical aid even worse !!!!
 

Offline 2StrokeDan

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Re: I don't understand
« Reply #10 on: February 03, 2016, 04:02:00 pm »
I have been tempted to forego insurance, it is such a grudge expense, but you only need one wipe-out into a moderately priced saloon to wipe out all your insurance savings+++.

There are a lot of people on our roads without insurance.
 

Offline jaybiker

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Re: I don't understand
« Reply #11 on: February 03, 2016, 04:06:11 pm »
It's one or the other. Insurance or motorbike. I can't afford both.

Seriously, in theory anyone with primary school ability to do sums will see that on my means it is simply impossible to own or run a motorcycle.

Guess it's just as well I can't do sums.................
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Offline zebra - Flying Brick

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Re: I don't understand
« Reply #12 on: February 03, 2016, 04:23:09 pm »
my take is a little different...

everything I own is insured, EXCEPT my G450X!
1150 GS, insured, cafe racer, insured, house, etc.

My 450X, bought cash, if I do throw it down a mountain, I will repair it, my cost.

I have a problem with the other side of the coin...
people taking brand new LC's, well out of their comfort zones, dropping them, and a R40K/R60K/R80K bill for cosmetics, and then claiming from insurance - maybe repeatedly, since that is what insurance is for!

Not a fan of that kind of claiming - just does not sit well with me.
Being honest here.
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Offline manxkipper

Re: I don't understand
« Reply #13 on: February 03, 2016, 04:25:39 pm »
It will only take one third party claim for those "wise" self insured types to realise that self insurance is not the way to go. The expense of repairing someone else's vehicle etc on your tab is not the greatest position to be in.  
 

Offline Pullaway

Re: I don't understand
« Reply #14 on: February 03, 2016, 04:44:50 pm »
From the first post, I gather this thread is about insuring your own toys and not about third party insurance. Huge difference between the two.
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Offline Gerrard

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Re: I don't understand
« Reply #15 on: February 03, 2016, 04:52:51 pm »
Adds to the excitement of riding a bike to not have insurance  :biggrin:
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Offline jhbdog

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Re: I don't understand
« Reply #16 on: February 03, 2016, 04:54:46 pm »
this will get a lot of you going , I stopped paying insurance and I now tithe my insurance money instead , I trust the Lord with my soul and salvation so why not with mere earthly goods .
 

Offline TheBear

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Re: I don't understand
« Reply #17 on: February 03, 2016, 04:57:44 pm »
this will get a lot of you going , I stopped paying insurance and I now tithe my insurance money instead , I trust the Lord with my soul and salvation so why not with mere earthly goods .

I respect your believe and decision.   However,  does this cover you damaging my earthly goods?   Lets assume it is God's will that your death will be in a car accident and I am on the other end of that?
« Last Edit: February 03, 2016, 05:00:11 pm by TheBear »
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Offline Draadwerk

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Re: I don't understand
« Reply #18 on: February 03, 2016, 05:19:29 pm »
my take is a little different...

everything I own is insured, EXCEPT my G450X!
1150 GS, insured, cafe racer, insured, house, etc.

My 450X, bought cash, if I do throw it down a mountain, I will repair it, my cost.

I have a problem with the other side of the coin...
people taking brand new LC's, well out of their comfort zones, dropping them, and a R40K/R60K/R80K bill for cosmetics, and then claiming from insurance - maybe repeatedly, since that is what insurance is for!

Not a fan of that kind of claiming - just does not sit well with me.
Being honest here.
Cheers
Chris - wearing my NON-business hat!
Don't understand your reasoning here about the other side of the coin. If you fall, does it matter why and how as far as insurance is concerned?

If I pay my insurance and claim repeatedly for the exact purpose that I took insurance for in the first instance, what is wrong with that?
 

Offline TheBear

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Re: I don't understand
« Reply #19 on: February 03, 2016, 05:23:20 pm »
my take is a little different...

everything I own is insured, EXCEPT my G450X!
1150 GS, insured, cafe racer, insured, house, etc.

My 450X, bought cash, if I do throw it down a mountain, I will repair it, my cost.

I have a problem with the other side of the coin...
people taking brand new LC's, well out of their comfort zones, dropping them, and a R40K/R60K/R80K bill for cosmetics, and then claiming from insurance - maybe repeatedly, since that is what insurance is for!

Not a fan of that kind of claiming - just does not sit well with me.
Being honest here.
Cheers
Chris - wearing my NON-business hat!

My bike,  my insurance.  I expect them to repair everytime I damage it.   It is what I pay them for.
« Last Edit: February 03, 2016, 05:23:53 pm by TheBear »
#33 #BRADICAL!
#40 #DIVEBOMB!