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Buzz
50cc nipper
Joined: 10 Oct 2006
Posts: 46
Location: Melbourne, Australia
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 Posted: Thu Sep 06, 2007 5:15 pm Post subject: Legal Liability cover?? |
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Does anyone know where we can get insurance cover for legal liability just in case we do have an accident or we injure a person on an other quad or bike or walking the tracks??
Most home insurance covers you for this but the fine print will not cover you if the motor vehicle is not registered. This could be a problem to all of us especially when riding in groups – If someone gets injured, who is going to sue whom? Is there a quad insurance that will cover us for the fire, theft and also legal liability??
We all ride illegally here in Victoria so what about covering our A**es?
Does anyone know? |
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Sponsor
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yogie
Moderator
Joined: 14 Feb 2006
Posts: 3620
Location: The Otways
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| Posted: Thu Sep 06, 2007 5:26 pm Post subject: |
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the sad undeniable fact is NOTHING, which stinks. And that where the whole thing is stupid. We brake the law because they (Vic roads) refuse to give us and other bush users the cover we all deserve, for no real reason other than... I dont know. Can get cover for private property, some have their quads reg as tractors, but with certain uses only, a very grey area, but this is all ready covered here to many times. But all said and done becareful, which we do regardless, but accidents do and will happen.
_________________
2005 KFX700
With a few bells and whistles
and the twin yoshi's 
American Star A-arms, tie rods
elka stickers
Shorty Shifter
I have a Waco
rossco gave me a flexx sticker 
honda thumb
Great at climbing trees 
durablue stickers |
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Hulk
Big Bore, Stroked & Bling +
Joined: 16 May 2007
Posts: 432
Location: Sydney
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| Posted: Thu Sep 06, 2007 7:16 pm Post subject: |
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I dont think the demand is high enough for the insurance company to cover it and if they did they will also need you to be riding in a place that is leagal  i dont think they will cover you if you are riding illeagaly. thats what i think..... good luck with it |
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rascal
90cc 2 stroke / 110 4 stroke
Joined: 30 Aug 2007
Posts: 51
Location: bombala NSW
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| Posted: Thu Sep 06, 2007 8:56 pm Post subject: insurance |
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if you go to insure my ride .com you can get full comprehensive insurance on your quad or bike
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I had one of those but the wheel fell off |
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TasRaptor700
Big Bore, Stroked & Bling +
Joined: 05 Jul 2007
Posts: 499
Location: Tasmania
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| Posted: Thu Sep 06, 2007 9:16 pm Post subject: |
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OOOo, Bloody dear, $1062, that covers gear and bike with a excess of $400, would need do do a lot of damage to make tht worth while, has 20,000,000 worth of liability though, tht could be handy.
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Andrew |
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Buzz
50cc nipper
Joined: 10 Oct 2006
Posts: 46
Location: Melbourne, Australia
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| Posted: Fri Sep 07, 2007 9:58 am Post subject: |
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Thanks Guys, I thought that I was covered with my home insurance but after pushing my insurance broker to clearify with the underwriters I found out that I was not.
I will check out the insurance co as suggested above and come back to you all if any luck.
Even if it is a $1000 I used to pay this much to cover my Jetski every year anyhow so much the same hey!
Cheers |
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Buzz
50cc nipper
Joined: 10 Oct 2006
Posts: 46
Location: Melbourne, Australia
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| Posted: Fri Sep 07, 2007 11:22 am Post subject: |
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OK, I did ring them and they do not cover Quad bikes without registration of some kind, and if Rec Rego the rider must also have a bike licence not Car lic. So they can only cover you for damage to bike and property (just like all the others) No Legal Liability cover
OK, So I will keep looking to see if I can find any other type of cover - anyone working in the insurance field?? |
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watty
90cc 2 stroke / 110 4 stroke
Joined: 17 Jul 2006
Posts: 51
Location: central coast nsw
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| Posted: Fri Sep 07, 2007 6:34 pm Post subject: |
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| i have off road rider fire and theft on my ltr450 with swann insurance cost me $472.00 |
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TasRaptor700
Big Bore, Stroked & Bling +
Joined: 05 Jul 2007
Posts: 499
Location: Tasmania
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| Posted: Fri Sep 07, 2007 8:24 pm Post subject: |
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Sounds like what I have on the raptor, fire and theft, and cost around the same through Yamaha
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Andrew |
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WHATEVER
Big Bore, Stroked & Bling +
Joined: 03 Sep 2007
Posts: 349
Location: Adelaide, South Australia
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| Posted: Tue Sep 11, 2007 8:30 pm Post subject: |
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| Hulk wrote: | | I dont think the demand is high enough for the insurance company to cover it and if they did they will also need you to be riding in a place that is leagal i dont think they will cover you if you are riding illeagaly. thats what i think..... good luck with it |
That is what it is like here in South Africa ... you cant be insured when you are breaking the law ...
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Mikey got 3rd in the Nationals!!
It would not have been possible without the help of ...
Hustler ATV Racing
Thanks Dominic!! |
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