Insurance

NZ RAT has teemed up with Star Insurance to offer its members a great deal on bike insurance. Proposal forms are available here.

Benefits of this special RAT policy include;

·         RAT-specific Premiums with a $500 Excess ($2000 if stolen from your residence and not in a locked garage)

·         Auto reinstatement of policy on replacement bike (where a third party is proven to be at fault)

·         Other “insurable” Rats covered to ride your bike on the same Excess as you

·         $20,000 accidental death cover

·         Guaranteed Sum Insured for motorcycles purchased 2nd hand and a write-off in first 12 months of ownership and motorcycle was insured for the purchase price (market value thereafter)

• $1,500 mechanical breakdown for bikes less than 3 years old (and less than 30,000 kms)

This is on top of the normal Star Insurance benefits of;

• new bike replacement during the 1st 12 months (and less than 20,000 kms) if total loss claim (market value thereafter)
• Multibike Sole Rider cover (premium based on total insured value of a rider’s mischief of bikes)
• Your choice of repairer

And these optional extras;

• Datadots; current enrolment qualifies for $0 excess for theft (except at your residential address but not in locked garage where $2000 applies)

·         Clothing & Helmet cover (Replacement up to $2,500 per person but only applies when a claim is made for damage to the motorcycle)

“insurable” means no more than two previous loss of licenses (speeding & DIC acceptable but serious driving offences require referral)

* conditions apply as detailed in policy