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Thread: McCrystal

  1. #1
    SauRoN
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    Default McCrystal

    Is anybody making use of them?

    How have your experiences been?

    They've given me the best quotation so far, almost half of what the rest are charging.

  2. #2
    Evil Biker Scum EEK's Avatar
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    Never hear off them

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    Biker Killer's Avatar
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    No not using them, but they did quote me once.

    I found that specialist bike insurance companies have big accesses.
    In the end we went with the insurance company that insures our house and cars. By volume of assests insured and claim history they gave us the best Quote with almost no access.
    They however would not touch our quads with a 10 foot pole, so we went with Heritage, but Minumum access of R5000 per quad, so of course we dont claim when we come short and would only claim is total write off or theft.

    I think McCrystal is similar to heritage (I think) so check out the fine print very carefully

  4. #4
    SauRoN
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    Killer just to be anal : It's "excess" not "access"

    Anyway, McCrystal cover track riding which is great, and that at an excess of R5000, which is only double of their normal excess.

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    Biker Trash mprins's Avatar
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    Quote Originally Posted by Killer
    I found that specialist bike insurance companies have big accesses.
    PM WIM.....Bikesure very different ;) ;)
    I intend leaving this world the same way I came into it.........Screaming and Covered in BLOOD

  6. #6
    Biker Killer's Avatar
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    Quote Originally Posted by SauRoN
    Killer just to be anal : It's "excess" not "access"

    Anyway, McCrystal cover track riding which is great, and that at an excess of R5000, which is only double of their normal excess.

    spelling !!!! you can see I got my Degree in Swaziland

    But I knew you were going to go anal, thats why I said no access.

  7. #7
    Biker Trash Blondie's Avatar
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    Does anyone have the phone number for McCrystal?

  8. #8
    SauRoN
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    Ilana de Jager

    Short Term Insurance

    Tel: (011) 789-8514

    Fax: 0866 100 658

    ilana@mccrystal.co.za

  9. #9
    SauRoN
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    And here are the terms and conditions I received in case you are interested. Quoted for new GSX-R750.

    Road Bike - Sum Insured - R86 000-00

    Monthly Premium - R540.19



    Comprehensive Cover

    (Third Party, Fire, Theft, Transit & Bikes Own Damage)



    Excesses:

    - Driver 16y-20y ? 10% of claim min R4 000

    - Driver 21y-25y ? 10% of claim min R3 000

    - Driver 26y and over ? 10% min R2 500

    Additional Cumulative Excess:

    - Learner Licence ? 10% of claim min R4 000

    - First 90 days of cover ? 10% min R5 000

    - 10% Where no 3rd party is involved or traceable

    - 10% if Insured is not the driver

    - Theft ? 10% min R3 500

    Securities VESA Approved: Motorcycles R80 000 and over ? Tracking Device

    Motorcycles R79 999 and below ? Disk Lock

    Whilst conveyed restricted to claims for Hi-jack only

    Track Cover Excess: 25% of claim min R15 000 - Only for Class B & C (No Open Class)

  10. #10
    Biker Trash Blondie's Avatar
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    We got hold of them thanks!

    Going to use them for insurance on John's new bike...

    2001 GSXR750...

    Quote from McCrystal - R365pm
    Quote from BikeSure - R1100pm

  11. #11
    SauRoN
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    Quote Originally Posted by TanjaB
    We got hold of them thanks!

    Going to use them for insurance on John's new bike...

    2001 GSXR750...

    Quote from McCrystal - R365pm
    Quote from BikeSure - R1100pm
    Yup!

    And even their track day excess isn't all that bad, considering that other insurers don't even give you cover at all.

  12. #12
    Biker Trash Blondie's Avatar
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    Very true yes, and my sister is also insured by them... claimed... no problems!

  13. #13
    Evil Biker Scum Wim Skywalker's Avatar
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    Quote Originally Posted by SauRoN
    And here are the terms and conditions I received in case you are interested. Quoted for new GSX-R750.

    Road Bike - Sum Insured - R86 000-00

    Monthly Premium - R540.19



    Comprehensive Cover

    (Third Party, Fire, Theft, Transit & Bikes Own Damage)



    Excesses:

    - Driver 16y-20y ? 10% of claim min R4 000

    - Driver 21y-25y ? 10% of claim min R3 000

    - Driver 26y and over ? 10% min R2 500

    Additional Cumulative Excess:

    - Learner Licence ? 10% of claim min R4 000

    - First 90 days of cover ? 10% min R5 000

    - 10% Where no 3rd party is involved or traceable

    - 10% if Insured is not the driver

    - Theft ? 10% min R3 500

    Securities VESA Approved: Motorcycles R80 000 and over ? Tracking Device

    Motorcycles R79 999 and below ? Disk Lock

    Whilst conveyed restricted to claims for Hi-jack only

    Track Cover Excess: 25% of claim min R15 000 - Only for Class B & C (No Open Class)
    OK Sauron, you are obviously upset, BUT lets make a calculation here quickly.

    Say you riding your bike and you go around a corner, loose control and fall. Bike is a write off. You have cover with current insurer for 60 days at time of incident.

    According to your excess structure specified above you are looking at

    10% of claim - remember its a write off, so R86000 * 10% = R8600

    ADDITIONAL EXCESSES

    10% as you have a learners only = R8600
    10% firts 90 days of cover = R8600
    10% no 3rd party involved = R8600

    So you looking @ an excess of R8600 x 4 = R34400.00

    GOOD LUCK!!!! I HOPE YOU DON'T FALL OFF YOUR BIKE!! of that you have R35000.00 lying aroung, waiting to be used as an excess.

    I for sure hope you DO NOT fall!!! And if you do, make sure its not on track, coz extra 25% = R21500 extra. R34400 + R21500 = R55900. . .

    Our premiums are based on the value of the bike AS WELL as the client's profile. If you have no previous insurance history or a bad claims history, we will quote accordingly.

    We have a FLAT RATE excess of R2500. If you have R100 damage or if bike is write off or stolen. Additional excess on track with APPROVED track schools @ R5000.
    So our highest excess = R7500. No matter what license you have or if 3rd party is invloved or not, etc, etc.

    Ask Blackie and Doc Rip and MPRINS what they were quoted.

    Premium is calculated on specific risk & underwriting criteria, therefore good risk clients do not subsidize bad risk clients
    Ciao
    Wim Skywalker aka The KawaKidd
    If speed kills, I'm a dead man.

  14. #14
    Evil Biker Scum Wim Skywalker's Avatar
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    OH YES, almost forgot - In the event that you have a claim - say your bike had cosmetic damage. BS does not spraypaint and plastic weld panels. We bolt the damaged part off and put a NEW panel. We do not source second hand parts, we replace with NEW parts.

    Cassie's bike was a write off only coz I fought her insurer at the time and threatned that I will take them to the ombudsman if they use 2nd hand parts on her bike. They wanted to source 2nd hand forks, 2nd hand panels, 2nd hand head lights, 2nd hand whatever nede to be replaced. I ended up fighting the MD of her insurer at the time, thretening him with the ombudsman.

    NO one is forced to insure with BS. Is you rpersonal choice. If you make the decision, just live with the consequences.

    My bike was insured with another company, as I crashed before BikeSURE was up and running, I could not move my insurance. Its been almost 2 months and STILL I am waiting to be paid out.

    The first person that has a claim with BS will be the word of mouth advertising that will tell how we do it differently!


    WHY BIKESURE???

    ? Comprehensive insurance to all road, off road & quad motorcycles
    ? In house focused admin & claims department therefore speedy claim settlements
    ? No six week waiting period in the event of a theft claim
    ? Less paperwork as business is conducted on state of the art voice recording systems
    ? Premium is calculated on specific risk & underwriting criteria, therefore good risk clients do not subsidize bad risk clients
    ? Premium is guaranteed for 12 months, even if you claim, unless you amend your cover
    ? Insured value is based on Retail
    ? Vehicle Replacement with new vehicle in the event of theft or accident write off within 12 months of date of 1st registration or 7 000 km
    ? Fixed excess - R 2 500, no additional % excesses in the event of a theft or total loss
    ? Non standard accessories can be specified
    ? Riding gear & apparel can be specified - excess R 500
    ? Trailer can be insured for specified amount - excess R 750
    ? Approved track schools - Classes A, B,C & D - additional excess R 5 000
    ? Optional credit shortfall cover
    ? Optional violation cover
    ? Optional extended cover outside RSA
    ? Conduct business on Saturdays ? clients can take ownership of their bikes on Saturdays, as BikeSURE will send confirmation of cover on a Saturday.
    ? Optional deposit protector cover - 10% or 30 % of market value to a maximum amount of R 50 000
    ? Assistance to uplift/collect insured vehicle from scene of accident
    ? Bikesure assist call center 24/7- Medical assistance
    1) Telephonic Medical advice and information
    2) Emergency medial response to scene of a accident
    3) Transfer of the eligible person to the most appropriate medical facility
    4) Hospital admission deposit guarantee- R 5000
    5) Transfer of life saving medications and emergency blood if required
    6) Repatriation of eligible person/return of mortal remains
    7) Companionship and/or care of stranded minors
    ? Bikesure assist call centre 24/7 - Roadside assistance
    1) Assistance to uplift/collect insured vehicle from scene of accident
    2) Roadside assistance in the event of:
    ? Flat tyre
    ? Electrical or Mechanical fault
    ? Vehicle breakdown
    ? Stranded due to running out of fuel
    Ciao
    Wim Skywalker aka The KawaKidd
    If speed kills, I'm a dead man.

  15. #15
    SauRoN
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    Quote Originally Posted by Wim Skywalker

    OK Sauron, you are obviously upset, BUT lets make a calculation here quickly.

    Say you riding your bike and you go around a corner, loose control and fall. Bike is a write off. You have cover with current insurer for 60 days at time of incident.

    According to your excess structure specified above you are looking at

    10% of claim - remember its a write off, so R86000 * 10% = R8600

    ADDITIONAL EXCESSES

    10% as you have a learners only = R8600
    10% firts 90 days of cover = R8600
    10% no 3rd party involved = R8600

    So you looking @ an excess of R8600 x 4 = R34400.00
    1. I'm on a full license.
    2. I've been previously insured, that 90 days rule only applies if you've never been insured before. If you have been insured before your claims records influence your monthly premium.
    3. That's the only one you have a valid point on.

    I'm sure you would agree however that it's still better paying that kind of excess, rather than going on a track uninsured.

    My other option is Alexander Forbes, with an excess of R250 but then I have no track insurance whatsoever.

    Naturally I could lie to my insurer, but that's not my idea of fun.

  16. #16
    Evil Biker Scum Wim Skywalker's Avatar
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    Quote Originally Posted by SauRoN
    1. I'm on a full license.
    2. I've been previously insured, that 90 days rule only applies if you've never been insured before. If you have been insured before your claims records influence your monthly premium.
    3. That's the only one you have a valid point on.

    I'm sure you would agree however that it's still better paying that kind of excess, rather than going on a track uninsured.

    My other option is Alexander Forbes, with an excess of R250 but then I have no track insurance whatsoever.

    Naturally I could lie to my insurer, but that's not my idea of fun.
    1 - OK I apologise, my mistake. You are on full license, so less that excess.

    2 - 90 days means with current insurer. Other insurance does not count. Check it out if you don't believe.

    3 - BS cover track @ add R5000 excess. Total excess = then R7500.

    Do your maths. I quoted you x amount more than other company. Their quote less my x amount = Y

    Less their excesses from what BS offer = amount Z.

    Now, take Z and divide by the Y amount you got as difference between premium. How many Y amounts will you be looking at if you have a claim now??

    I am not gonna argue with you or anyone else on this matter. We offer what we offer at a rate that was researched for almost 18 months and are still being researched as we go along.
    If you are happy with what the other company offered you , the cool - I'm happy for you. I will not force BS on anyone. Its for you to decide. Some obviously are happy with their quoted premium, some look at the bigger picture, some are unhappy, some just chase premium, some think before they act, etc. etc.

    At the end of the day as long as you are happy and have peace of mind, then we all happy!

    Ciao.
    Ciao
    Wim Skywalker aka The KawaKidd
    If speed kills, I'm a dead man.

  17. #17
    SauRoN
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    Not argueing with you either, but the fact of the matter is that although your package caters very well for those low-risk clients it's a bit of a problem for the rest of us.

    Btw, will you insure Gear (Helmet etc...) on top of the rest of the bike? And what is the average increase in premium on the gear for lets say R15000 worth?

    Because if you are insuring my gear, as part of the premium for my bike, then your deal isn't that bad considering what you have stated above.

  18. #18
    Evil Biker Scum Arconan's Avatar
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    I am with McCrystal. I am sitting with R12 500 excess at the moment. (10% of damage plus learners penalty plus first 90 days penalty.)

    They are waiting for me to pay the repairers the excess before they going to lay a claim against the 3rd party for it. And unfortunately my bike is not ready since i have been waiting for 11 weeks now for parts.

    I am going with the flow until we get to claiming my excess back from 3rd party, then i will see how they perform.
    -- https://www.arconan.net --

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  19. #19
    Evil Biker Scum Wim Skywalker's Avatar
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    Quote Originally Posted by SauRoN
    Not argueing with you either, but the fact of the matter is that although your package caters very well for those low-risk clients it's a bit of a problem for the rest of us.

    Btw, will you insure Gear (Helmet etc...) on top of the rest of the bike? And what is the average increase in premium on the gear for lets say R15000 worth?

    Because if you are insuring my gear, as part of the premium for my bike, then your deal isn't that bad considering what you have stated above.
    We do insure gear - ie - helmets, jackets, etc. Can't give rates via internet.
    Phone me then we talk.
    Ciao
    Wim Skywalker aka The KawaKidd
    If speed kills, I'm a dead man.

  20. #20
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    I just want to comment on Sauron who said its not his nature to lie to the insurer, GOOD, people, please do not mislead the broker/underwriter/insurer in any way, if u lie about previous claims or incidents they WILL reject your claim, there is lots of ways to trace incidents/losses and many claims before got rejected or policies voided due to material misrep....Sauron- I know premium is an issue for u and i fully understand your view point on paying a higher excess, i take my hat of for u by stating what u did and that u will remain honest.
    If u stay on the rear, u'll save cost by not replacing the front !

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