Crash data indicates that over 40's are the most common crashers
(but not necessarily the highest risk - more riders). They also tend
to ride larger capacity bikes, which also are typically more
expensive if written off. Younger riders are more likely to ride
lower capacity bikes, are often not insured (due to cost) and have
bikes that are a cheaper write off for the insurance company. You
can buy several CBR250RR's for the price of a Cruiser or MV/Ducati
999/Benelli ... or even an R1/gsxr100.

Insurance isnt just about crash risk, there is all sorts of
financial juggling going on to come up with exclusions and premuiums.

Sean


--- In bikers_anon@..., "Manny" <manny@b...> wrote:
>
> AAMI has launched comprehensive motorcycle insurance in NSW
starting today.
> They won't insure bikes over 1000cc. Their maximum no claim bonus
is 25% on motorcycles.
>
> After asking me all the usual questions, right at then end they
tell me that they can't insure bikes over 1000cc.. I feel that 10
minutes on the phone could have been avoided seeing the first
question was
> Q. What type of motorcycle is it? A. Suzuki GSX1300R..
> DERRRRR it's obviously over 1000cc
>
> Anyway, I find it unusual that they won't insure anything over
1000cc when most tourers fall into that category and all the high
risk sports bikes are 1000cc.
>
> I have no idea what their premiums would be compared to others so
anyone with a bike under 1000cc might like to give them a try so we
can get an idea if they're worth considering.
>
> I gave Shannon's a try yesterday too. First question was. Do you
go to Bike shows, Bike rallies and other bike related events? A. Not
really..... Unfortunately we can't offer you insurance because we
only insure motoring enthusiasts! What a load of shit! Here I was,
prepared to give them my car and bike insurances totalling around
$2600 a year NO GO because I don't go to car or bike shows.
> So, If you decide to give them a try, just answer yes to
everything and they might look at you.
>
> Looks like Western QBE might be the go after Arista went up by
$400 from last year.
>
> Manny
>
>
> [Non-text portions of this message have been removed]
>