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Offline blue flame

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Insurance models
« on: November 21, 2009, 08:42:16 am »
I find it disturbing that insurance companies such as dirt sure only give package deals (donít get me wrong I donít take the package deal apart here).

The reason why I did not have insurance before was because the insurance on the motorcycle is more than the insurance on my Car.

On closer investigation it become apparent that these insurance companies only offer package deals, Let me explain

I only need two things
A)   Theft insurance
B)   Tracking device on the Motorcycle (And if I do this the cost of the insurance premium must go down as with cars)

Why because it is/was a dirt bike therefore a toy. I therefore donít need accident damage or medical cover (Damm I am covered under my medical aid why pay for the same thing twice). Secondly I want to bring the cost down because to pay a third of the value of the bike in 4 years to an insurance company is not on.

If I am /was lucky and my bike does not get stolen and I did not have insurance the money saved would cover the depreciation on the bike and I will easily be able to replace it in 4 years time

If we told our clients (I am in the retail industry specifically the building environment).

ďsir if you buy your brick from us you must buy cement as wellĒ or ďSir I can only supply you with one type of brickĒ. Do you think we would have been in business? Why does insurance companies then tell us what we need (at a higher premium) and we accept that.

I had a long discussion with the guys from dirtsure and there excuse has been that it is there business model and I must except that. The normal blab la bla. My question is why do you accept this.

Customer relation and customer satisfaction is part of my day to day work and I just canít see that, that attitude bring in more clients and grow the business.

In fact 90% of all my friends in the dirt bike community donít have insurance, why? Because
A)   They canít get what they want
a.   Some want only theft insurance
b.   Some need cover when they actually race
B)   It is too expensive

Logic then tell me, the insurance companies donít want to grow their business or don't understand there clients , because their current market share is actually very low if we compare it to the potential market share.

It is very easy to design a model that caters for everyoneís need, some want more some want less, you pay X for this plus Y for that the same as normal house and car insurance.  Please give me your honest opinion in this regard.
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Offline RobC

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Re: Insurance models
« Reply #1 on: November 21, 2009, 10:41:32 am »
You want someone to insure you when you RACE? Waar in die wereld? Not even in the worlds insurance mecca the USA does that happen.
Plus the additional cover you are unhappy with like third party protection may well be needed when you come haring around a corner on some dirt track and clobber me on my bike... if you do not have that I will take you to the cleaners. Ever think about why it is called comprehensive cover?
I am very happy with what Dirtsure offers.
 

Offline blue flame

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Re: Insurance models
« Reply #2 on: November 21, 2009, 10:59:56 am »
RobC read my message again, you obviously get what you wanted good for you, but there is only 1 model.

Go and read the indemnity form that you sign at any dirt track, you donít have a food to stand on and canít claim from anyone not even fellow riders.

You stated : third party protection may well be needed when you come haring around a corner on some dirt track and clobber me on my bike

There has been no recorded successful case of this nature in SA law, so you will try to be the first. Have spoken to a lawyer as well, there is no legal food to stand on because you are in the bush or on a dirt track regarded as private property and you are there on your own risk. It is regarded as a sport and with that comes risk. Therefore the law is not on your side.

It is not the same as riding on public roads and the law does not protect you the same way. Public roads require licensing and there is a age limit and laws to measure against. Therefore you can sue if you can proof that the other party did not adhere to the law.

Think about it kids and persons without licenses ride on these tracks, do you think you can sue them? What will your proof or reason be? Your word against thereís? The courts will laugh at you
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Offline RobC

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Re: Insurance models
« Reply #3 on: November 22, 2009, 01:03:24 am »
Ok, so you ride your dirt bike on a public DIRT road by accident and hit me? Who is going to cover liability if you have no insurance for that eventuality? That is what I was pointing out, one needs that cover too.
 

Offline blue flame

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Re: Insurance models
« Reply #4 on: November 23, 2009, 07:21:39 am »
I don't ride on public dirt roads. Because the bike is a plastic it does not have indicators etc. Therefore even if I had insurance they will never pay out or cover you because you broke the law in the first place by being on a public dirt road.
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Offline topbox

Re: Insurance models
« Reply #5 on: November 23, 2009, 07:50:46 am »
Speak to Operator for insurance, sorted me out.
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Offline mrhyde

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Re: Insurance models
« Reply #6 on: January 12, 2010, 06:30:49 pm »
alternatively, contact santam.

My plastic is insured fully comprehensive ,for when I decide to ride over the X5 at the robots... on purpose.