MyBB Motorcycle Owners Thread (2nd gear)

Noted. Didn’t think of weight but will compare each one. I’m in the UK where Oxford’s range is fairly extensive and would prefer less branding and flash personally but want gear that is not going to fall apart. I’d like to buy a quality product that’ll last.

Bike I’ve ordered is not sexy. :)
In the UK, I'd get Knox. They've got some cool layered stuff, and it's top quality and very comfortable. Bit pricey though. Plus, it's more casual, so you won't look like a power ranger.
 
Since going with BMW apparel I can’t even take other brands seriously any more.

But if I was in the UK I would have taken a long hard look at Knox who are in many regards the pioneers of this stuff.
 
 
In the UK, I'd get Knox. They've got some cool layered stuff, and it's top quality and very comfortable. Bit pricey though. Plus, it's more casual, so you won't look like a power ranger.

Since going with BMW apparel I can’t even take other brands seriously any more.

But if I was in the UK I would have taken a long hard look at Knox who are in many regards the pioneers of this stuff.
Had a look at Knox gear. Reasonably priced.

Thank you all for the suggestions, much appreciated. 🙌
 
So am currently investigating the pricing of new motorcycles as a replacement for the F800 I crash a year ago and it is interesting to see that the F900GS is cheaper than the F900XR.
 
So am currently investigating the pricing of new motorcycles as a replacement for the F800 I crash a year ago and it is interesting to see that the F900GS is cheaper than the F900XR.
Seems like BMW has a 20k off offer on the more street-biased F900GS setups.
 
Pretty sure I saw a 900 GS non-Showa version on sale for under 180K the other day. Mega bargain.
 
So I'm in the process of potentially buying a new 2024 MT09.
Getting some quotes, I see the 3 mentioned insurers on this thread is Stepp/Omni/Bikeline.

Bikeline and Omni both use Bryte quote came back ~R950ish for bike only nothing else, excess is steep though, 10% basic, +10% for first 6months + 5% for learners (Yes i know my fault) + 10% if accident involves no third party.

This means if the bike gets stolen in the first 6 months the excess could be 35%. Is this normal ?

Waiting on Stepp to reply with Quotes.
 
So I'm in the process of potentially buying a new 2024 MT09.
Getting some quotes, I see the 3 mentioned insurers on this thread is Stepp/Omni/Bikeline.

Bikeline and Omni both use Bryte quote came back ~R950ish for bike only nothing else, excess is steep though, 10% basic, +10% for first 6months + 5% for learners (Yes i know my fault) + 10% if accident involves no third party.

This means if the bike gets stolen in the first 6 months the excess could be 35%. Is this normal ?

Waiting on Stepp to reply with Quotes.
That sounds nuts, BUT...you are on a learners, and going for a 'big' bike, so you likely have very little leeway to play with.
 
That sounds nuts, BUT...you are on a learners, and going for a 'big' bike, so you likely have very little leeway to play with.
I get that but damn, sucks that they don't look at the fact that i've been riding my 650 for 8 years.
Also these values look like default values in their PDF.

How's Kingprice ? They are cheapest so far R900 excess better:
1743079263819.png

Bryte:

1743079301078.png
 
I get that but damn, sucks that they don't look at the fact that i've been riding my 650 for 8 years.
Also these values look like default values in their PDF.

How's Kingprice ? They are cheapest so far R900 excess better:
View attachment 1807418

Bryte:

View attachment 1807419
Go for your full license, and get a good insurance broker. They're worth their weight in gold.
 
So I'm in the process of potentially buying a new 2024 MT09.
Getting some quotes, I see the 3 mentioned insurers on this thread is Stepp/Omni/Bikeline.

Bikeline and Omni both use Bryte quote came back ~R950ish for bike only nothing else, excess is steep though, 10% basic, +10% for first 6months + 5% for learners (Yes i know my fault) + 10% if accident involves no third party.

This means if the bike gets stolen in the first 6 months the excess could be 35%. Is this normal ?

Waiting on Stepp to reply with Quotes.
I might be stepping in the middle of something here, I didn't read all posts, but theft isn't necessarily handled the same as an accident. On my insurance it's a separate line item, if I can put it that way. So the same excesses don't necessarily apply. But as always, make sure of your own policy as it's not the same as mine.

1743079948924.png
 
in terms of direct Insurance, King Price is good. definately better than outsurance and MyWay.

but I will say what has been said before. go to an insurance broker. that means going to someone who sells things like Santam.

low premium means high excess.
higher premium means lower and more fixed excess

think about it from a business point of view.
if your premium is low, you want to sign many people and make them pay as much of the payout as possible, and ideally have them never ever claim.

if the premium is higher, that means less customers, but the insurer needs to make sure the clients are happy.

a direct insurer wants a customer for 12 to 24 months with no claims. then new car, new quote, if they stay with you its great, but its a new policy.
a broker business is more focused on building that relationship. keep the client long term, get many things insured. keep them happy even when they need to claim.


now I cannot say exactly who, but this comes from someone who works in the direct insurance industry.

and despite having the potential for 50% staff discount on my premium, I still have everything insured though my broker. my bike, wife's car, household, high risk travel items (phones laptops ect)
soon the GF's car will go though the broker as well her insurance policy ends when she pays off the car in August. then the paid off.


with my bike, when it was insured though a direct my premium was R280 per month, and with my last accident in feb 2024 my excess was 30%
now though the broker my premium is R500 and my excess is a flat R1500. that is it, one flat fee. bike stolen, writen off, or damage to 40% of the value. me and third party, only me or only third party doesnt matter.

so get a good broker. and move everything to them, its a long term saving rather than a short term saving.
 
...

and despite having the potential for 50% staff discount on my premium, I still have everything insured though my broker. my bike, wife's car, household, high risk travel items (phones laptops ect)
soon the GF's car will go though the broker as well her insurance policy ends when she pays off the car in August. then the paid off.


...
1743082744979.jpeg

Context required. Thread derailment ahead.
 
View attachment 1807447

Context required. Thread derailment ahead.
no need for a thread derailment.
my lifestyle is discussed in plenty of threads.
but TLDR. poly relationship. 4 of us live together. myself my wife, my GF and her husband, who happens to be my wife's BF. so by transitive properties my BF as well. no there is nothing between me and him, we are just really good friends. yes I am ok with my wife having a boyfriend. yes my wife is ok with me having a GF. wife and GF do fool around a little. no there are not orgies or threesomes every night, but there are some of either from time to time.
No I wont post pics.
and the secret is communication.
been poly for around 12 years now. happily married for 8. the 4 of us have been together for around a year and half. but we have been friends that spend every weekend together since around 2021.
I have another GF as well, but I barely get to see her due to work schedules just never really lining up with each other that has been going on since about 2020. she works with my wife (and my GF's husband/my wife's BF also works with them)

that covers the normal questions.

now back to insurance for bikes.....
 
no need for a thread derailment.
my lifestyle is discussed in plenty of threads.
but TLDR. poly relationship. 4 of us live together. myself my wife, my GF and her husband, who happens to be my wife's BF. so by transitive properties my BF as well. no there is nothing between me and him, we are just really good friends. yes I am ok with my wife having a boyfriend. yes my wife is ok with me having a GF. wife and GF do fool around a little. no there are not orgies or threesomes every night, but there are some of either from time to time.
No I wont post pics.
and the secret is communication.
been poly for around 12 years now. happily married for 8. the 4 of us have been together for around a year and half. but we have been friends that spend every weekend together since around 2021.
I have another GF as well, but I barely get to see her due to work schedules just never really lining up with each other that has been going on since about 2020. she works with my wife (and my GF's husband/my wife's BF also works with them)

that covers the normal questions.

now back to insurance for bikes.....
And here I am drowning myself in bikes as I just can't seem to find someone. Nice writeup though, despite it ruining our friday gossip/drama lol.

Anyway, waiting for Stepp to get back to me as prevoius posts in the thread have said they're good. That said I decided that i will press on as the king Price quote is reasonable enough that i can afford it.

Problem is they can't seem to get a demo model for me to test ride, I'm very hesitant to buy without a test ride, even though this is the bike i've wanted since getting my ER6-F 8 years ago.

Bike is a bit taller, I can't flat foot it like i can my ER6.
 
So I'm in the process of potentially buying a new 2024 MT09.
Getting some quotes, I see the 3 mentioned insurers on this thread is Stepp/Omni/Bikeline.

Bikeline and Omni both use Bryte quote came back ~R950ish for bike only nothing else, excess is steep though, 10% basic, +10% for first 6months + 5% for learners (Yes i know my fault) + 10% if accident involves no third party.

This means if the bike gets stolen in the first 6 months the excess could be 35%. Is this normal ?

Waiting on Stepp to reply with Quotes.

Stepp will likely only be a better deal if you love all your insurance there.

Possibly won’t even insure just the bike alone, or it just won’t make sense.

Although their excess is a flat 5% as I recall but I’ve also had a license for decades so probably didn’t look at those specifics.
 
And here I am drowning myself in bikes as I just can't seem to find someone. Nice writeup though, despite it ruining our friday gossip/drama lol.

Anyway, waiting for Stepp to get back to me as prevoius posts in the thread have said they're good. That said I decided that i will press on as the king Price quote is reasonable enough that i can afford it.

Problem is they can't seem to get a demo model for me to test ride, I'm very hesitant to buy without a test ride, even though this is the bike i've wanted since getting my ER6-F 8 years ago.

Bike is a bit taller, I can't flat foot it like i can my ER6.
Again King price is good. Stepp is good. but finding a broker, moving everything and paying a little more every month will save you in the long run.
dont cheap oput on a helmet.
dont cheap out on your gear.
same applies to insurance, slightly higher premium leads to big savings down the line.

save R3000 on your helmet, pay R9000 more in medical bills later.
save R200 on Premium pay 30% excess later instead of a fixed exess..



same thing.
 
Yeah that is the plan, all these quotes are through what I understand to be brokers. "Stepp/Omni/Bikeline"
Go to the wilddogs forum, search for a user the "operator" and ping him. He is a broker. He'll sort you out.
 
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