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22 Feb 2014
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insurance in australia
Hi all
we would like to make a trip through Australia in oktober- november of this year, we want to bring our own motorbikes, 2 bmw R 1200 GS. we already got a lot sorted out, but the only thing we can't arrange yet is how to get an Insurance for the bikes, we know that at least we need a CTP but we can't find a company that can provide us with such an Insurance. I know we are not the only ones bringing their Bikes over so how does anybody else arrange this????
bye bye Betty
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22 Feb 2014
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no problem contact these guys:
Motorcycle Insurance Cover Quotes Australia - Save 25% | InsureMyRide
we took them, didn´t had an crash or something to try it but at least we got an insurnace... the locals use them too, so they can´t be that bad...
maybe they will insure beemers as well...
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24 Feb 2014
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See http://www.horizonsunlimited.com/hub...ance-nsw-74633
If you arrive anywhere other than NSW then you need to go through the process of getting the equivalent of an "overseas registered vehicle permit" which will come with CTP (third party INJURY) but not any vehicle insurance. Once you have the permit number and/or temporary plates then you can buy vehicle insurance online.
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24 Feb 2014
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Quote:
Originally Posted by RogerM
See http://www.horizonsunlimited.com/hub...ance-nsw-74633
If you arrive anywhere other than NSW then you need to go through the process of getting the equivalent of an "overseas registered vehicle permit" which will come with CTP (third party INJURY) but not any vehicle insurance. Once you have the permit number and/or temporary plates then you can buy vehicle insurance online.
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You do not register your bike to Australia - no temporary plates (you do not need to do this), but if you have Australian address, then you can quite easily get also other insurances for your bike.
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24 Feb 2014
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Quote:
Originally Posted by Hemuli
You do not register your bike to Australia - no temporary plates (you do not need to do this), but if you have Australian address, then you can quite easily get also other insurances for your bike.
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That was for the NT, other States vary in how they allow an overseas registered vehicle onto the roads. NSW is by far the easiest as all you do is go to the docks and ride your bike out the gates (after paying of course), there is no roadworthy check or buying third party insurance.
The other States have anything from a full compliance inspection to a very basic roadworthy inspection.
Australia is a federation of States and they can/do have slightly different laws, the best way to explain this - The Federal Government controls Customs and Quarantine, the State Governments control road laws, Local Government can control access to their roads - road closures in the Wet, etc.
I think that NSW authorities have just said "its all too hard" and just accepted that overseas registered vehicles on CDPs are hardly likely to swamp the roads and that they are rarely involved in accidents - so financial risks are also very low. Plus its a good way of getting tourists into their state.
The issue that confronts the other States is that there is an agreement to recognise insurance/vehicle standards/road laws from one State to another. So if a vehicle is legal in NSW it must be legal in the other States.
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24 Feb 2014
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Australian Licence
Quote:
Originally Posted by RTWbyBIKE.com
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I know it can't be done online because it askes
Do you hold the appropriate Australian Licence to ride this bike? Yes No
Once you say NO... it stops the process and says unable to provide insurance.
So I have emailed them asking if an overseas rider can take out insurance with them... lets see! Insure My Ride answer: At InsureMyRide we do not currently provide coverage for bikes that are temporarily imported via carnet, we are unable to offer a quote and provide cover on the bikes.
__________________
Age does not protect you from motorbikes. But motorbikes, to some extent, protect you from age.
Last edited by Citsym; 25 Feb 2014 at 00:08.
Reason: New Information
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26 Feb 2014
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Insurance in Australia
Quote:
Originally Posted by justbettyful
Hi all
we would like to make a trip through Australia in oktober- november of this year, we want to bring our own motorbikes, 2 bmw R 1200 GS. we already got a lot sorted out, but the only thing we can't arrange yet is how to get an Insurance for the bikes, we know that at least we need a CTP but we can't find a company that can provide us with such an Insurance. I know we are not the only ones bringing their Bikes over so how does anybody else arrange this????
bye bye Betty
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It is, IMHO, impossible to insure an Overseas Registered Motorbike, arriving under Carnet de Passage and visiting Australia for 2-3 months, then leaving!
When I am talking about Insurance I mean Comprehensive or Third Party Insurance NOT the CTP insurance.
The main hurdles are:
1. The owners are not permanent residents or visitors applying for residency
2. They have no permanent address in Australia
3. They do not have an Australian Licence
One or all of these come into play as soon as I start my enquiries.... There may also be the issue that the bikes are coming into Darwin, which also seems to create an air of disinterest. ... though I doubt arriving at any other port of call would change the outcome.
Insurance companies tried:
Aon .com.au - this one goes thru AMP
Swann, TIO, ACME, QBE, TIOFI (NT insurer), Insure My Ride, GIO, Elders, RACQ, NRMA, SGIO, Real Insurance.com.au, Famous for Bike Insurance ....
The only light at the end of this tunnel, is a personal call to Shannon’s Insurance by the bikes owners MAY provide the needed cover. (Betty I have emailed you these details)
NOTE: Shannon’s will not speak to anyone other than the owner/s of the bike, as I found out and had a bit of a run-in with them!
The other issue is CTP or (Greenslip in NSW)
You must get CTP, even for overseas bikes, which is compulsory in every state, except for NSW (Overseas bikes only..Australians must have Green slip in NSW).. So travelling in NSW is not a problem.
The issues begin when I ask each Australian State’s road Authority:
“Can an overseas Registered motorbike, with Northern Territory CTP, drive through Queensland, Victoria, South Australia, Western Australia and Tasmania and be COVERED by the Northern Territory CTP for legal liability for injury and death as a result of an accident for which the insured is responsible – be it for other drivers, passengers, pedestrians or cyclists
The answer to this question is still out there with the relevant Govt. Departments. I will add to the post when it’s all sorted out, but that could take anywhere up to 4 weeks.
It’s such a pity that Australia, an Island if you will (sorry Tasmania, but you know what I mean) has such different laws, rules and regulations. !!!
So as far as CTP is concerned, at the moment, we know it’s easy to get when you land in Darwin
It’s a bit like riding in Vietnam... it’s illegal to own a bike as a non-Vietnamese, the majority of visitors don’t have a Vietnamese License, yet thousands do the Vietnamese bike trip each year!
__________________
Age does not protect you from motorbikes. But motorbikes, to some extent, protect you from age.
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26 Feb 2014
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Yeas, I sympathise. Sometimes you get two different answers from two different people. Even Aussies are equally screwed in certain cases when crossing state borders.
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26 Feb 2014
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Uncertain answers from Australia
Quote:
Originally Posted by bnicho
Yeas, I sympathise. Sometimes you get two different answers from two different people. Even Aussies are equally screwed in certain cases when crossing state borders.
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Yes, I'm getting that now!
Different Depts. in the same State are giving me different answers. Perhaps the reason it's so difficult is that this scenario is not written into any of the State road rules and it becomes an issue of interpretation?
So they seem to be unable to give concrete answers!
I can better understand the reason why Australians have to re-register their cars and change their licenses within 3 months of moving to another State. If they don't and try to claim compensation through CTP there may be deniel of this service from their previous State... Non compliance with the law!
__________________
Age does not protect you from motorbikes. But motorbikes, to some extent, protect you from age.
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26 Feb 2014
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Location: Melbourne, Australia
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Quote:
Originally Posted by Citsym
Yes, I'm getting that now!
Different Depts. in the same State are giving me different answers. Perhaps the reason it's so difficult is that this scenario is not written into any of the State road rules and it becomes an issue of interpretation?
So they seem to be unable to give concrete answers!
I can better understand the reason why Australians have to re-register their cars and change their licenses within 3 months of moving to another State. If they don't and try to claim compensation through CTP there may be deniel of this service from their previous State... Non compliance with the law!
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When I moved from NSW to VIC the cops gave me merry hell. I was pulled over five times in a month for checks because I had NSW plates. I managed to string it out for several months as I was only on a three month trial at my new job and uncertain if I was staying permanently.
My most recent vague issue was visiting Western Australia. Apparently Western Australia may or may not recognise Victorian "Club Permit" plates for historic vehicles. (Vehicle over 25 years old on a 45 or 90 day log book system at a very cheap price.) Some people with these plates have been stopped at the border until they paid for an Unregistered Vehicle Permit over the phone. But most seem to get through without an issue. Talking to the relevant WA registration department, they referred me to the Police. The Police referred me back to the registration department. Neither would give me a ruling in writing, so I just risked it. I crossed from NT to WA in a lonely place so that probably helped.
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26 Feb 2014
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Traveling by motorbike in Australia
Quote:
Originally Posted by bnicho
When I moved from NSW to VIC the cops gave me merry hell. I was pulled over five times in a month for checks because I had NSW plates. I managed to string it out for several months as I was only on a three month trial at my new job and uncertain if I was staying permanently.
My most recent vague issue was visiting Western Australia. Apparently Western Australia may or may not recognise Victorian "Club Permit" plates for historic vehicles. (Vehicle over 25 years old on a 45 or 90 day log book system at a very cheap price.) Some people with these plates have been stopped at the border until they paid for an Unregistered Vehicle Permit over the phone. But most seem to get through without an issue. Talking to the relevant WA registration department, they referred me to the Police. The Police referred me back to the registration department. Neither would give me a ruling in writing, so I just risked it. I crossed from NT to WA in a lonely place so that probably helped. 
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I'm starting to get the feeling, that if Betty's bikes (there are two BMW 1200GS) have - A number Plate
- An up to date registration sticker
- The relvant CTP paperwork from Darwin
and the Carnet, Home insurance policies and what ever else
...that would more that satisfy any police person and all would be well.
It's the off chance of an accident that will test this theory! :confused1:
__________________
Age does not protect you from motorbikes. But motorbikes, to some extent, protect you from age.
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26 Feb 2014
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I only have experience with Swan, Shannons and Insure my ride. Of these, ImR has been the least hassle. When I originally brought in my Africa Twin to Australia, they were also the only people prepared to help me with insurance before the bike was 'released' from customs or registered. They accepted the overseas rego and told me just to call with an Australian rego if/when I get one.
Also had a crash few years ago and totally destroyed the AT whilst doing trail-riding. No hassles in payout. They also sold the wreck back to me (no hassles), whereas Swann's wrecks go out on auction. After rebuilding it, I re-insured the bike with them again. Again no hassles and the premium was exactly the same, despite my previous 'record' and me declaring several modifications to the bike.
Only reason some of my other rides are with Swann and Shannons- there was a huge difference on price there, so it might be worth shopping around.
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Squily
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26 Feb 2014
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26 Feb 2014
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Insurance in Australia
Quote:
Originally Posted by Squily
I only have experience with Swan, Shannons and Insure my ride. Of these, ImR has been the least hassle. When I originally brought in my Africa Twin to Australia, they were also the only people prepared to help me with insurance before the bike was 'released' from customs or registered. They accepted the overseas rego and told me just to call with an Australian rego if/when I get one.
Also had a crash few years ago and totally destroyed the AT whilst doing trail-riding. No hassles in payout. They also sold the wreck back to me (no hassles), whereas Swann's wrecks go out on auction. After rebuilding it, I re-insured the bike with them again. Again no hassles and the premium was exactly the same, despite my previous 'record' and me declaring several modifications to the bike.
Only reason some of my other rides are with Swann and Shannons- there was a huge difference on price there, so it might be worth shopping around.
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Thanks Squily,
I have taked to Swann and Insure My Ride and neither will provide Insurance. When I told Swann that there was evidence on this forum that other overseas riders had obtained insurance, they explained that their policies had changed since then.
Betty, the owner of the bike, will have to speak to Shannons, as I mentioned on a previous post .. I was not allowed to.
Interesting note. Insure My Ride and Shannons are the same, different companies in name but same business. Shannon handles the up market specialty insurance and Insure My Ride the bottom end, the general insurance.
__________________
Age does not protect you from motorbikes. But motorbikes, to some extent, protect you from age.
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