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Author Topic: Bike Insurance - please advise (again :-)  (Read 978 times)

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Offline Grunder

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Re: Bike Insurance - please advise (again :-)
« Reply #20 on: January 10, 2020, 10:17:10 am »
All my bikes, 4x4, house etc. are insured through Tuff-Stuff. Never had any issues claiming and they are consistently cheaper than anyone else out there, including representatives on this forum.

Idk about that. They quoted me close to R500 more a month than I'm currently paying. I'm with a forum member....

Hehe yeah.  Everyone raves about Outsurance.  Every time I CONSIDER them their quotes are never competitive.  Maybe I'm a shitty driver and don't know it.  For the life of me I can't understand why they always overcharge me  :o

I'm also with a forum member atm and very happy....so far....  :peepwall: :lol8:
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Offline spyker

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Re: Bike Insurance - please advise (again :-)
« Reply #21 on: January 10, 2020, 10:23:50 am »
All my bikes, 4x4, house etc. are insured through Tuff-Stuff. Never had any issues claiming and they are consistently cheaper than anyone else out there, including representatives on this forum.

Idk about that. They quoted me close to R500 more a month than I'm currently paying. I'm with a forum member....

Hehe yeah.  Everyone raves about Outsurance.  Every time I CONSIDER them their quotes are never competitive.  Maybe I'm a shitty driver and don't know it.  For the life of me I can't understand why they always overcharge me  :o

I'm also with a forum member atm and very happy....so far....  :peepwall: :lol8:

I agree, not sure why everyone thinks they are so good!

Nice thing about my current insurer is that they will repatriate my vehicles from Namibia/Botswana which I visit often!
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Offline TheBear

Re: Bike Insurance - please advise (again :-)
« Reply #22 on: January 10, 2020, 10:31:28 am »
Hehe yeah.  Everyone raves about Outsurance.  Every time I CONSIDER them their quotes are never competitive.  Maybe I'm a shitty driver and don't know it.  For the life of me I can't understand why they always overcharge me  :o

I'm also with a forum member atm and very happy....so far....  :peepwall: :lol8:

I agree, not sure why everyone thinks they are so good!

Nice thing about my current insurer is that they will repatriate my vehicles from Namibia/Botswana which I visit often!

 :laughing4:

Sjoe gents!  This thread is 20 odd posts old and only 1 (me) mentions Outsurance.  That is hardly everyone.   ;)
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Offline Grunder

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Re: Bike Insurance - please advise (again :-)
« Reply #23 on: January 10, 2020, 10:34:37 am »
Hehe yeah.  Everyone raves about Outsurance.  Every time I CONSIDER them their quotes are never competitive.  Maybe I'm a shitty driver and don't know it.  For the life of me I can't understand why they always overcharge me  :o

I'm also with a forum member atm and very happy....so far....  :peepwall: :lol8:

I agree, not sure why everyone thinks they are so good!

Nice thing about my current insurer is that they will repatriate my vehicles from Namibia/Botswana which I visit often!

 :laughing4:

Sjoe gents!  This thread is 20 odd posts old and only 1 (me) mentions Outsurance.  That is hardly everyone.   ;)

Haha!!!  :lol8:

My comment is more in general. 

They claim they give you R400 back if they can't beat your current insurer.  So they sound confident.

And then when you call them, hot air.

My mother in law is also with them and she is very happy with the service.

That's why I say, maybe someone is riding around like a dick with my ID and I'm suffering the insurance consequences.
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Offline TheBear

Re: Bike Insurance - please advise (again :-)
« Reply #24 on: January 10, 2020, 10:44:38 am »
Hehe yeah.  Everyone raves about Outsurance.  Every time I CONSIDER them their quotes are never competitive.  Maybe I'm a shitty driver and don't know it.  For the life of me I can't understand why they always overcharge me  :o

I'm also with a forum member atm and very happy....so far....  :peepwall: :lol8:

I agree, not sure why everyone thinks they are so good!

Nice thing about my current insurer is that they will repatriate my vehicles from Namibia/Botswana which I visit often!

 :laughing4:

Sjoe gents!  This thread is 20 odd posts old and only 1 (me) mentions Outsurance.  That is hardly everyone.   ;)

Haha!!!  :lol8:

My comment is more in general. 

They claim they give you R400 back if they can't beat your current insurer.  So they sound confident.

And then when you call them, hot air.

My mother in law is also with them and she is very happy with the service.

That's why I say, maybe someone is riding around like a dick with my ID and I'm suffering the insurance consequences.

Thought you were talking more in general terms, but had to make a chirp.   ;)

I have found that they are not competitive for a single bike, but become much more so when all your vehicles are with them and even more so if the contents of the house is also there.  It is probably a better spread of risk for them that way, but someone like @Operator would know better.  I cannot say they are the cheapest though, just that for our two bikes, trailer and three cars in total, they usually are.  With Outsurance, you also need to haggle like buying a fishing rod at the Asian Market.
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Offline Grunder

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Re: Bike Insurance - please advise (again :-)
« Reply #25 on: January 10, 2020, 10:51:22 am »
Hehe yeah.  Everyone raves about Outsurance.  Every time I CONSIDER them their quotes are never competitive.  Maybe I'm a shitty driver and don't know it.  For the life of me I can't understand why they always overcharge me  :o

I'm also with a forum member atm and very happy....so far....  :peepwall: :lol8:

I agree, not sure why everyone thinks they are so good!

Nice thing about my current insurer is that they will repatriate my vehicles from Namibia/Botswana which I visit often!

 :laughing4:

Sjoe gents!  This thread is 20 odd posts old and only 1 (me) mentions Outsurance.  That is hardly everyone.   ;)

Haha!!!  :lol8:

My comment is more in general. 

They claim they give you R400 back if they can't beat your current insurer.  So they sound confident.

And then when you call them, hot air.

My mother in law is also with them and she is very happy with the service.

That's why I say, maybe someone is riding around like a dick with my ID and I'm suffering the insurance consequences.

Thought you were talking more in general terms, but had to make a chirp.   ;)

I have found that they are not competitive for a single bike, but become much more so when all your vehicles are with them and even more so if the contents of the house is also there.  It is probably a better spread of risk for them that way, but someone like @Operator would know better.  I cannot say they are the cheapest though, just that for our two bikes, trailer and three cars in total, they usually are.  With Outsurance, you also need to haggle like buying a fishing rod at the Asian Market.

My issue is that you get your lower premium but then you get a premium access also  ;)

But maybe that's just how the insurance business work I don't know.
Carpe bm
 

Offline Allegro

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Re: Bike Insurance - please advise (again :-)
« Reply #26 on: January 10, 2020, 12:20:59 pm »
Lets not forget @Allegro

My vote goes to him  :biggrin: :thumleft:

Dankie swaar  :thumleft:
Adventure bike and 4x4 insurance specialist.
Pierre - 083 324 4232

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Offline TheBear

Re: Bike Insurance - please advise (again :-)
« Reply #27 on: January 10, 2020, 03:49:53 pm »
Hehe yeah.  Everyone raves about Outsurance.  Every time I CONSIDER them their quotes are never competitive.  Maybe I'm a shitty driver and don't know it.  For the life of me I can't understand why they always overcharge me  :o

I'm also with a forum member atm and very happy....so far....  :peepwall: :lol8:

I agree, not sure why everyone thinks they are so good!

Nice thing about my current insurer is that they will repatriate my vehicles from Namibia/Botswana which I visit often!

 :laughing4:

Sjoe gents!  This thread is 20 odd posts old and only 1 (me) mentions Outsurance.  That is hardly everyone.   ;)

Haha!!!  :lol8:

My comment is more in general. 

They claim they give you R400 back if they can't beat your current insurer.  So they sound confident.

And then when you call them, hot air.

My mother in law is also with them and she is very happy with the service.

That's why I say, maybe someone is riding around like a dick with my ID and I'm suffering the insurance consequences.

Thought you were talking more in general terms, but had to make a chirp.   ;)

I have found that they are not competitive for a single bike, but become much more so when all your vehicles are with them and even more so if the contents of the house is also there.  It is probably a better spread of risk for them that way, but someone like @Operator would know better.  I cannot say they are the cheapest though, just that for our two bikes, trailer and three cars in total, they usually are.  With Outsurance, you also need to haggle like buying a fishing rod at the Asian Market.

My issue is that you get your lower premium but then you get a premium access also  ;)

But maybe that's just how the insurance business work I don't know.

They are quite willing to negotiate premiums without raising the excess amount.  Within reason obviously.  I have also found that many insurers work with computers with algorithms and stuff and these do the heavy thinking and calculations an no one seems to know how they work.  Just two examples I found in the past few years.

Awhile back, we moved my wife's VW Jetta (ex-company car insured by company) to our insurance.  At the time at a well known insurance company.  Got a good premium and made the move.  When I got the updated policy schedule I noted that the Jetta valued at R200k was R300 a month cheaper to insure than my very plain Ford bakkie valued at R100k.  Many calls, e-mails, etc. later an no one could tell me why the bakkie was so expensive.  I called Outsurance.  Their quote for the Jetta was very similar, but the bakkie was amost R700 a month cheaper.  We moved the cars to Outsurance then.  It had to have been some error somewhere, but nobody at the company could explain, or fix it.

More recently, our bikes were via BMW Insurance which was with one company and transferred to another.  The names escape me now.  Identical bikes, but wife's was a tad more expensive because she only got her license more recently.  After the move, the wife's bike premium doubled.  Again.  Some calls, some e-mails.  Their contact person during one call actually said, she doesn't know why it doubled, the computer decided based on various variables and it is what it is.  Got a quote from Outsurance.  My bike about R20 cheaper.  The wife's bike, R350 cheaper or again similar to mine.  Again, I do not believe such a huge difference is company policy.  There must be an error somewhere and no one knows where it is, or how to fix it.
#33 #BRADICAL!