Online: obisteve, Humbug

Selling & Security ?

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  • paulybronco
    paulybronco
    5 years ago
    Quoting paulybronco on 16 Mar 2019 09:54 PM

    Has it ever puzzled you why car and bike dealers put demos on...perhaps you could suggst they stop doing this and save themselves some $ or maybe your just representing a very very small percentage of buyers perhaps?

    Quoting Smokey61 on 16 Mar 2019 10:23 PM

    Why would it puzzle me? I'm not them. I'm me, and this is what I do. YMMV.

    Quoting Kato on 17 Mar 2019 08:07 AM

    must say i do like your style

    I'm with Paul Bronco on this one though i must say - Ive always test ridden

    You can tell a lot about the care a bike gets from where its garaged i believe



    Alway test ride a used car/bike myself or take the demo and order a new one
  • paulybronco
    paulybronco
    5 years ago
    Quote source removed.
    LOL. We are talking a slightly different language here...i dont see a issue with not riding/driving an upgraded model and then buying it on prior experience. The difference comes in not riding /driving a second hand vehicle that may be several years or decades old
  • blueystar
    blueystar
    5 years ago
    Quoting paulybronco on 17 Mar 2019 08:03 AM

    Do you insure your bike/s?

    Quoting blueystar on 17 Mar 2019 08:08 AM

    no insurance only rego

    Quoting paulybronco on 17 Mar 2019 09:14 AM

    Thats where the true answer lays....if my bike was not insured i would not allow a ride, and i would not ride it myself!

    guessyou need insurance if the bank owns your bike
  • paulybronco
    paulybronco
    5 years ago
    Quoting blueystar on 17 Mar 2019 08:08 AM

    no insurance only rego

    Quoting paulybronco on 17 Mar 2019 09:14 AM

    Thats where the true answer lays....if my bike was not insured i would not allow a ride, and i would not ride it myself!

    Quoting blueystar on 17 Mar 2019 01:55 PM

    guessyou need insurance if the bank owns your bike

    WOW!.....the bank owns a part of my house , i own all the other bits that go in it and in the garage. If you own a house and all your bikes and are unlucky enough to hit and damage someone else's vehicle and you dont have insurance then you have put all those toys on the line including your house unless you have the $ to pay cash for the repair or replacement. That's the only reason i carry insurance. 
  • Smokey61
    Smokey61
    5 years ago
    Quoting paulybronco on 16 Mar 2019 09:54 PM

    Has it ever puzzled you why car and bike dealers put demos on...perhaps you could suggst they stop doing this and save themselves some $ or maybe your just representing a very very small percentage of buyers perhaps?

    Quoting Smokey61 on 16 Mar 2019 10:23 PM

    Why would it puzzle me? I'm not them. I'm me, and this is what I do. YMMV.

    Quoting paulybronco on 17 Mar 2019 08:03 AM

    Do you insure your bike/s?

    No. Never have, except for third party property.

    Insurance companies are like casinos.
  • steelo
    steelo
    5 years ago
    For comparison
    Got an older car as a backup. Only have third party fire and theft. Got T boned at a roundabout with a couple K damage but worth repairing.
    I duly contacted the other guys insurer who would not entertain my claim at all until their client had made a report / claim and paid his excess. They wouldn't follow him up. I had to ring the guy a couple times to get him to do so.
    Other car has full comprehensive. Bloke in a truck rakes his trailer down the side of it approaching another intersection (not a good year). They did all the leg work and had the car fixed very promptly.
  • paulybronco
    paulybronco
    5 years ago
    Quoting Smokey61 on 16 Mar 2019 10:23 PM

    Why would it puzzle me? I'm not them. I'm me, and this is what I do. YMMV.

    Quoting paulybronco on 17 Mar 2019 08:03 AM

    Do you insure your bike/s?

    Quoting Smokey61 on 17 Mar 2019 10:29 PM

    No. Never have, except for third party property.

    Insurance companies are like casinos.

    And ignorance is bliss! There is ZERO value in not insuring your bike or car, it should be compulsory
  • beaglebasher
    beaglebasher
    5 years ago
    Quoting paulybronco on 17 Mar 2019 08:03 AM

    Do you insure your bike/s?

    Quoting Smokey61 on 17 Mar 2019 10:29 PM

    No. Never have, except for third party property.

    Insurance companies are like casinos.

    Quoting paulybronco on 18 Mar 2019 06:29 AM

    And ignorance is bliss! There is ZERO value in not insuring your bike or car, it should be compulsory

    You must be a happy man then pauly.  
    I have never insured a bike (except TPFT) cos back in the day they wanted more than the bike was worth.
    Over the years I have saved at least the cost of a new bike, probably closer to two new bikes.
    There is the VALUE 
  • Smokey61
    Smokey61
    5 years ago
    Quoting Smokey61 on 17 Mar 2019 10:29 PM

    No. Never have, except for third party property.

    Insurance companies are like casinos.

    Quoting paulybronco on 18 Mar 2019 06:29 AM

    And ignorance is bliss! There is ZERO value in not insuring your bike or car, it should be compulsory

    Quoting beaglebasher on 18 Mar 2019 07:00 AMedited: 18 Mar 2019 07:01 AM

    You must be a happy man then pauly.  
    I have never insured a bike (except TPFT) cos back in the day they wanted more than the bike was worth.
    Over the years I have saved at least the cost of a new bike, probably closer to two new bikes.
    There is the VALUE 

    In 1986, Swann wanted $2K a year full comprehensive for a $12,500 Softail. Yeah, nah.

    I had the bike for 8 years and sold it for $15,000. Going back over my vehicle history, I've well and truly saved more than the value of my current car and bikes.
  • beaglebasher
    beaglebasher
    5 years ago
    Quoting paulybronco on 18 Mar 2019 06:29 AM

    And ignorance is bliss! There is ZERO value in not insuring your bike or car, it should be compulsory

    Quoting beaglebasher on 18 Mar 2019 07:00 AMedited: 18 Mar 2019 07:01 AM

    You must be a happy man then pauly.  
    I have never insured a bike (except TPFT) cos back in the day they wanted more than the bike was worth.
    Over the years I have saved at least the cost of a new bike, probably closer to two new bikes.
    There is the VALUE 

    Quoting Smokey61 on 18 Mar 2019 07:13 AM

    In 1986, Swann wanted $2K a year full comprehensive for a $12,500 Softail. Yeah, nah.

    I had the bike for 8 years and sold it for $15,000. Going back over my vehicle history, I've well and truly saved more than the value of my current car and bikes.

    In 1991 , I was quoted $1700 for a 1984 Honda VF750 that I had just bought for $1800.
    Sort of put me off
    Never bought a bike without a test ride and sold a few after allowing test ride,
    Never had any problems
  • paulybronco
    paulybronco
    5 years ago
    Quoting paulybronco on 18 Mar 2019 06:29 AM

    And ignorance is bliss! There is ZERO value in not insuring your bike or car, it should be compulsory

    Quoting beaglebasher on 18 Mar 2019 07:00 AMedited: 18 Mar 2019 07:01 AM

    You must be a happy man then pauly.  
    I have never insured a bike (except TPFT) cos back in the day they wanted more than the bike was worth.
    Over the years I have saved at least the cost of a new bike, probably closer to two new bikes.
    There is the VALUE 

    Quoting Smokey61 on 18 Mar 2019 07:13 AM

    In 1986, Swann wanted $2K a year full comprehensive for a $12,500 Softail. Yeah, nah.

    I had the bike for 8 years and sold it for $15,000. Going back over my vehicle history, I've well and truly saved more than the value of my current car and bikes.

    Insure my Street Glide for $29500 cost $315 with YOUI.   Your missing the point totally, look beyond the "perceived savings" what are you making its what will you do if YOU hit a Porche/Benz or even a 50k car.....If a unlicensed uninsured crack head runs into you and writes your bike/car off how do you get paid...
  • beaglebasher
    beaglebasher
    5 years ago
    TPFT means youre covered for the damage to the Porsche.
    Thanks for the non information but.
    $315 fully comp for $30K sounds fair .  I priced it last year and it was around $800 for a bike worth $20K.  Might try again
  • paulybronco
    paulybronco
    5 years ago
    Quoting beaglebasher on 18 Mar 2019 08:13 AMedited: 18 Mar 2019 08:22 AM

    TPFT means youre covered for the damage to the Porsche.
    Thanks for the non information but.
    $315 fully comp for $30K sounds fair .  I priced it last year and it was around $800 for a bike worth $20K.  Might try again

    Thanks for partly answering the question......with TPFT how do you get paid if the other party is at fault uninsured and on the dole? Well the answer is your out the cost of your bike, for $200 more than what you paid i just walk away and give them the wreck. Does that information help you?
  • paulybronco
    paulybronco
    5 years ago
    But like most gamblers it.....well you know the rest
  • Smokey61
    Smokey61
    5 years ago
    Quoting paulybronco on 18 Mar 2019 11:46 AM

    But like most gamblers it.....well you know the rest

    The point is, the casino or the insurance company ensures the odds are in their favour. I don't play their games. If I should write off my bike or car tomorrow, I buy another. I'm still ahead. 
  • Smokey61
    Smokey61
    5 years ago
    Poor analogy. Good fortune is the norm. Bad fortune is the exception.
  • paulybronco
    paulybronco
    5 years ago
    Quoting paulybronco on 18 Mar 2019 11:46 AM

    But like most gamblers it.....well you know the rest

    Quoting Smokey61 on 18 Mar 2019 12:11 PM

    The point is, the casino or the insurance company ensures the odds are in their favour. I don't play their games. If I should write off my bike or car tomorrow, I buy another. I'm still ahead. 

    Were not talking about YOURS.....you may have to buy a 100k mercedes and give it to someone else if its your fault. Or even better if a person who runs into you has no insurance and neither do you you've lost your bike/car. Thats not an issue if you own a shitbox but hurts if you have a decent vehicle
  • Smokey61
    Smokey61
    5 years ago
    Quoting paulybronco on 18 Mar 2019 11:46 AM

    But like most gamblers it.....well you know the rest

    Quoting Smokey61 on 18 Mar 2019 12:11 PM

    The point is, the casino or the insurance company ensures the odds are in their favour. I don't play their games. If I should write off my bike or car tomorrow, I buy another. I'm still ahead. 

    Quoting paulybronco on 18 Mar 2019 12:26 PM

    Were not talking about YOURS.....you may have to buy a 100k mercedes and give it to someone else if its your fault. Or even better if a person who runs into you has no insurance and neither do you you've lost your bike/car. Thats not an issue if you own a shitbox but hurts if you have a decent vehicle

    Missed it by miles. I've already mentioned that I get TPP insurance so I won't be buying anyone a new Merc.

    As for losing my vehicle, that's the point. Should I lose a vehicle, I'll pay for another out of all the money I've saved by not having full comprehensive, or fire and theft. over the last several decades. 

    If your name is Captain Risky and you're prone to crashing, setting your bike or fire or having it stolen regularly, by all means get full insurance. 
  • Smokey61
    Smokey61
    5 years ago
    Quote source removed.
    Sore? You must have me confused with someone else.

    Rock star no. Common as muck, yes. Back in the eighties or nineties any Harley in good nick over two years old sold for more than it was worth new.

  • Ratbob
    Ratbob
    5 years ago
    Smokey, you must be getting shitty insurance quotes. I reckon it’d take at least 5 decades of no insurance and no incidents for you to break even let alone save money.
    eg my K1 Honda 4 is $98 per year to insure at a value of $18,000. So if the bike gets nicked or wrecked in 183 years I’ll break even, if it’s within 10 years I’ll be well ahead.
    Similar for my Dyna, $480 to insure, agreed value $22,000 so in value terms I’m covered for 45 years. If it gets nicked or wrecked even on the 44th year I’ll get all those premiums back and break even, so the sooner it’s nicked/wrecked the better off I am. 
    Hm, didn’t think of that before :-)
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