Neka79 wrote:my advice... what ever u get..insure the bloody thing...
a mate of mine went out for a ride today with his bro in law ... his bro in law threw down his 05 gsxr600 at slow speed....
"its not too bad , shouldnt cost him too much" my mate said... apparently he has damaged
rhs fairings
rhs ductail
rhs peg and brake lever
aftermarket can
nose fairing needs repainting
tank *may* have damage (minimal tho)
rhs indicators
things that these guys wont kno (they are young, on 1st big bikes for less than 3 months) are whether shit like
forks
bar (clip on)
frame
subframe
swingarm
etc are damaged...
i reckon just with the parts listed, without touching the tank, he wont get away with much change from $2k.... wonder what his insurance would of been??
Chances are, between the excess and the premium hike which'd follow him around for the next five years as a result of his having made a claim, a fair bit more than that. And that's in Adelaide, where insurance seems to be *a*lot* cheaper than further east. In Sydney, insurance companies hand out quotes to young riders on sportsbikes on the principle of, "Let's see who's stupid enough to pay a premium in the amount if 60% of the bike's market value."
This seems to be all beside the point, though, because, if he's young, on his first bike and has been riding for less than three months, then he'll be on a restricted license, meaning he'll have been riding the GSX-R600 illegally, meaning that, if he'd managed to scam insurance for a bike he's not supposed to have been riding, if he then went and made a claim, he'd've had two choices:
a) lie to the insurance company about what happened and hope they don't find out, or
b) have the insurance company tell him to go swivel if he tells them the truth.
Mind you, what this story proves, yet again, is what I keep going blue in the arse about whenever a n00b says, "I rode my CBR250 down the shops 2wice & revd t out @ lights cuz there was an Excel wit 4 girlz n it nxt 2 me. Im rdy 4 a big bike now. Should I get a brand-nu R1 or GSX-R1000..." and asks for a pat on the head as reassurance that they're doing the right thing...
...n00b spends large sum of money on near-new sportsbike, n00b throws aforementioned near-new sportsbike down the road due to a n00b mistake, tears ensue when cost and complexity of repairs hits home. This is why, if someone's being logical about the whole thing, their first big bike should be between eight and ten years old. Pennies to buy, just as fast as anything more modern in a n00b's clueless hands, and the cost of repairs after the inevitable n00b-mistake drop is non-existent. A gentle stack is fixed with cable ties and gaffer tape; if the crash is proper one, then, congratulations, you've just scored yourself a trackbike, and it's only cost as much as some cosmetic repairs on a current model.