Motorcycling fears !!

BladeBoy · Post by **BladeBoy** » Mon Nov 13, 2006 6:35 am

Stereo wrote:One of my mates from High School.... Rhyse.... He woke up one morning 4 years ago with a sore side.... By 4pm he was in intensive care.... by 8pm he was dead...... You dont get a choice if you are going to die or not... but you do get a choice if you are really going to live...... What is the point of life if you cannot indulge your passion!....

My theory on riding is...... Everyone is out to kill you........ So if someone is stopped at a side road, assume they are going to pull out... If a truck is next to you on the motorway, he WILL move into your lane.... Its much safer that way.... Stuff road laws... Safety is more important.....

Very true indeed,

As all of the above have mentioned, life is too short, spend it the way you want to, It aint no dress rehearsal.

mike-s · Post by **mike-s** » Mon Nov 13, 2006 6:50 am

Felix wrote:As an aside, I really don't know how you can fork over $3.5k for insurance - add your excesses on to that, and you'll be lucky to get half the money back for your bike if you write it off. The economics nerd in me says that's plain nuts!

possibly "self insure", have third party property insurance, and put aside $300 a month into an ING account, thats over 3.5k a year, if you have a crash before then, oops, keep saving to replace it.

If you dont have an accident, well then you've got money up your sleave accruing interest, and not pissed away into some giant corporations gullet.

Starting to think about doing this for my RF, got comprehensive on the car, but its not really worthwhile getting insurance on a 5k-ish bike even if its 1.5k a year. im putting aside more than that a month at the moment, but its going to get funnelled into the o/seas holiday in march.

Stereo · Post by **Stereo** » Mon Nov 13, 2006 9:02 am

mike-s wrote:
Felix wrote:As an aside, I really don't know how you can fork over $3.5k for insurance - add your excesses on to that, and you'll be lucky to get half the money back for your bike if you write it off. The economics nerd in me says that's plain nuts!
possibly "self insure", have third party property insurance, and put aside $300 a month into an ING account, thats over 3.5k a year, if you have a crash before then, oops, keep saving to replace it.

If you dont have an accident, well then you've got money up your sleave accruing interest, and not pissed away into some giant corporations gullet.

Starting to think about doing this for my RF, got comprehensive on the car, but its not really worthwhile getting insurance on a 5k-ish bike even if its 1.5k a year. im putting aside more than that a month at the moment, but its going to get funnelled into the o/seas holiday in march.

How does your theory work when you T-bone a porsche?

Duane · Post by **Duane** » Mon Nov 13, 2006 9:11 am

Then the porsche hits a power pole, which catches fire, falls over into a house, which then catches fire, killing all inside, then the multi million dollar factory full of fireworks next door goes up, and starts fires all over the local area.

That 3.5k a year will really sort that out

Cath · Post by **Cath** » Mon Nov 13, 2006 11:53 am

Stereo wrote:How does your theory work when you T-bone a porsche?

By the sounds of it, quite well:

mike-s wrote:possibly "self insure", have third party property insurance, and put aside $300 a month into an ING account, thats over 3.5k a year, if you have a crash before then, oops, keep saving to replace it.

(Italics mine)

i.e, His third party property will cover the damage to the porsche he hit. He's only 'self insuring' for the comprehensive component - his bike. If he has a crash in one month's time, his gamble doesn't pay off, but his butt is covered for any damage he causes to other people. If he has a crash in three years time, he has enough saved to go and buy himself a brand new Kwaka, a new set of leathers, a trackie, a new helmet and maybe a holiday (if he continues to put the $300 / month aside) - and his butt is still covered for that porsche.

BikerBoy · Post by **BikerBoy** » Mon Nov 13, 2006 1:39 pm

Shite dude, your paying $3500 insurance?? .... man at 18 0r 19 or however old you are, catch a bus, and do something better with your cash.

If your worried about droping your bike, your not a very confident rider. Buy a 250 and stick with it until your confidence is better.

mike-s · Post by **mike-s** » Mon Nov 13, 2006 2:03 pm

Cath, precisely what i was getting at!

Duane · Post by **Duane** » Mon Nov 13, 2006 2:20 pm

When i went from a 250 to the TLR. I had alot of "arr should i etc"
Doubt in myself, until i got it, and after accouple of months of riding it every weekend, I was ready to go.

I have never had a car (bought one anyway) until now.

I still dont have a fear of riding, get a bit skittled when i wrote last when i was going around a corner and a car came the other way! but that will happen for a while.

I've decided to give the track a go for a while, when $$$ permits, so Maybe keep the bike get a cheap tin top and off ya go mate!!

BTW, i was quoted from several places (some wouldnt touch me) others wanted 6,500 etc a year to insure a 21 year old on a TLR, and thats garaged in a suburb with 24 hour security.

I had no insurance for nearly 2 years. (stupid move on my behalf, luckily enough I never had a stack)

Saki · Post by **Saki** » Mon Nov 13, 2006 3:35 pm

Duane wrote:When i went from a 250 to the TLR. I had alot of "arr should i etc"
Doubt in myself, until i got it, and after accouple of months of riding it every weekend, I was ready to go.

I have never had a car (bought one anyway) until now.

I still dont have a fear of riding, get a bit skittled when i wrote last when i was going around a corner and a car came the other way! but that will happen for a while.

I've decided to give the track a go for a while, when $$$ permits, so Maybe keep the bike get a cheap tin top and off ya go mate!!

BTW, i was quoted from several places (some wouldnt touch me) others wanted 6,500 etc a year to insure a 21 year old on a TLR, and thats garaged in a suburb with 24 hour security.

I had no insurance for nearly 2 years. (stupid move on my behalf, luckily enough I never had a stack)

yeah its good advise mate, i haven't had a stack to date on any of my bikes (touch wood) but i am gunna pick up a work hack this week or next and bring the bike out on nice days. plus means i get to keep it out of the elements!

MrStompy · Post by **MrStompy** » Mon Nov 13, 2006 6:24 pm

Hey Saki - have you called every insurer there is to make sure you cant get that insurance cheaper?

3500 a year has gotta hurt.

sounds like a good idea though - getting the work hack and save the bike for the fun less stressful riding.

Neka79 · Post by **Neka79** » Mon Nov 13, 2006 6:40 pm

didnt u ask like 12 months ago "should i get a bike and licence" ??
if that was u..im sure i said
"if u have to ask that question..ur not a real biker"

ive spent 6 months unable to ride...i still go out and sit on my bike & make "brooom brooom" noises occasionally..in 2 weeks it culminates and ill have the biggest woody....

buy a cheap shitty car to run to work in..itll keep u dry and safe from wawnker commuters...get 3rd party property to cover it if u hit ne 1...

see if u can get better cover on ur bike - i couldnt thats why i bought a vtr instead of the cbr at the time i was 21 (zx6r was $3600 a yr- vtr1000 was $1200)...maybe u shoulda checked this shit before u bought??

selling the bike would be nuts- unless u could get a GOOD price on it...

Burky · Post by **Burky** » Mon Nov 13, 2006 10:06 pm

i am gunna pick up a work hack this week or next and bring the bike out on nice days. plus means i get to keep it out of the elements!

Great to here

And the bike will keep low kms also Great for resale

only joking relax, just enjoy it