Bike Insurance..

Read this: http://www.columbusbiker.com/pdfs/insurance.pdf

I'm not kidding, if you're an American especially with your horrible bankruptcy-generating health care you need to study that PDF. Helpful for anyone anywhere though to a lesser degree.

It's a decade old, so all the numbers need to be adjusted up considerably across the board.

Just "having insurance" or "full coverage" are meaningless mouth noises.

Would be a great read if I were one of the idiots you must assume all Americans to be. My example of the two insurance costs are for the exact same coverages, types, limits and deductibles. I understand our healthcare insurance quite well and it's beautiful of you to once again speak as though you know what "our bankruptcy generating healthcare" is about. Yes there are insurance shysters in the U.S. Who prey on gullible. Luckily there are no crooks at all in any topic in Finland so you'll never have to experience that. I won't even go into your road issues and taxes in your following posts. You've obviously driven a ton of British roads to flambaste all American roads while saying the UKs are the best in the world. Trust me I've had several smooth roads and been swallowed by potholes and beaten to death by Straßenschaden in both.
Can you PLEASE stop trying to act as if you're an expert (critic is probably a better term) on American policy, culture, and issues??
I'm asking because I actually enjoy most of your comments and help when they are bike/riding related. For that reason I'd hate to have to block seeing everything from you. I really don't understand why need need to comment/bash everything American as though you're an expert?
 

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I pay $543 AUD/year for fully comp and agreed value of $18,000AUD through Shannon's they were by far the cheapest I found here in Melbourne.....
 
That's ridiculous. Although there are a surprising number of people here advocating higher taxes on gasoline to try and force people to our ****ty public transit.


Having spent 40 years in the road construction industry I am one of those advocating higher gas taxes - not to force people to use transit but to have enough money to maintaine existing system and construct needed improvements. Between inflation costs and cars getting increased mileage the current revenue stream is insufficient. It's either higher taxes or per mile fee.
 
Best I could find for my R3R over here is about 840 USD a year. Was getting up to nearly 4000 a year from some places :eek: Guess they don't really want to insure bikes. Should improve a bit over the next few years, my no-claims bonus is crap.

Petrol up here at the moment is 2 USD a litre. Ridiculous, we haul the ****ed stuff out of the sea bed just off the coast but have some of the most expensive fuel in the world. But apparently 85% of the pump price being taxes is fine because "we can afford it" :mad:
 
Can you PLEASE stop trying to act as if you're an expert (critic is probably a better term) on American policy, culture, and issues??

Expert? I was talking about the most obvious of issues that get reported everywhere constantly. This is stuff everyone in America should be well aware of by now, and info I've picked up along the way without even trying to find it.

Heck, the video I linked in is just one basic source of knowledge that goes over the catastrophic state of US infrastrucure in excruciating detail, albeit the Last Week Tonight one is also quite funny, in a "laughing while you sink" kind of way, all because Americans think taxes are evil. The US needs to spend over $4 trillion immediately on infrastructure just to halt the decay, according to the ASCE.

I admit it annoys the hell out of me when people talk about taxes like it's a punishment and not the blessing it truly is to have good quality jointly funded infrastructure and social services, and it tends to make me protest loudly. Taxes are a beautiful thing.

Granted, this may not be the forum to do it, but when someone says something uninformed and downright wrong, it gets difficult to not point that out and suggest they learn something more on the topic. But sure, I can try harder to not be informative on matters not motorcycle related if that makes you more comfortable.

That said, I disagree with your notion that a person can't be aware of the many major issues in America just because they aren't living there. The issues with American health care are also documented in excruciating detail for anyone who cares to look. The WHO rates US health care as number 37 in the world, in spite of the fact that health care spending per capita in the US is number 1 - ie, the most expensive in the world. So there is something severely wrong with the whole for-profit philsophy. Also, 60% of all US bankruptcies are related to medical costs, and the vast majority of the those bankruptcies were people who had insurance, the costs were still enough to break them. This is not a matter of being an expert or knowitall or not, this is all public and easily findable statistics and data on the topic, thus the US health care system is de facto bankruptcy-generating.

You may dislike my stating it, and I certainly don't claim to be an expert on all things America, but I do know how to find and interpret basic information available to everyone. :)

And finally, the insurance post was also about making people look at what they actually have insofar as coverage. I'm 100% sure that someone on this board will have hugely insufficient un- and underinsured coverage, for instance, something that is very important especially in the US... where some statistics show that 14% of motorists are entirely uninsured, and many health care plans don't cover car accidents at all. Therefore, it's up to you to have coverage for that. Just a PSA, in other words...

I've also never claimed Finland - or the UK - were perfect. The issues are just different. But the concept of "medical bankruptcy" literally doesn't exist in either of those two places, for instance, which I think is a better way.
 
have some of the most expensive fuel in the world.

Ahem... actually... you pay something like 80 cents per liter if I use $3 per gallon (which is higher than most areas, I believe). It's much more than that anywhere in Europe; currently where I live it's 1.6 euros per liter, which is $1.80 per liter. One gallon is 3.78 liters, which means our gas price is $6.80 per gallon. So it could be worse... :p Anyway, gas should be expensive to force us to build electric cars quicker. :)
 
(critic is probably a better term) on American policy, culture, and issues??

Also... again, no offense, but those charts you link are the official Government generated charts. "Lies, ****ed lies, and statistics" as it's so often put. That is not the whole story. Social security has no business on the chart since it isn't funded via income taxes, they are trust funds that are both raised and spent separately.

If you don't want me to come across as a knowitall, you shouldn't have inferior knowledge to me. :) Just "being American" doesn't automatically grant you superior knowledge, you have to actually first find the superior knowledge.

This is more accurate by far:

http://www.warresisters.org/federalpiechart

However, to get to roughly half, you should also include intelligence gathering which is largely war related.

Also, keep in mind that the intelligence activity costs are nowhere to be seen in official budgets, they never get reported. The entire drone program the US is running has to be HUGELY expensive, and it's done under CIA auspices and is thus part of the "black" budget civilans never see.
 
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Ahem... actually... you pay something like 80 cents per liter if I use $3 per gallon (which is higher than most areas, I believe). It's much more than that anywhere in Europe; currently where I live it's 1.6 euros per liter, which is $1.80 per liter. One gallon is 3.78 liters, which means our gas price is $6.80 per gallon. So it could be worse... :p Anyway, gas should be expensive to force us to build electric cars quicker. :)

Where in Norway is this mythical cheap fuel?? At the station down the road from work is now 16.20 NOK (2 USD, just under 2 EUR) for standard 95 octane.
 
Where in Norway is this mythical cheap fuel?? At the station down the road from work is now 16.20 NOK (2 USD, just under 2 EUR) for standard 95 octane.

Norway... my condolences. Most expensive place in Scandinavia. :) That said, you do also have some of the greatest motorcycling roads in the world. In Finland, in my area, gas is about 1.6 eur at the moment, which is what I used for comparision.

I should try to get back to Norway to ride this summer. Your speeding fines are also crazy high even compared to Finland but some of the roads there had me laughing out loud in my helmet at the sheer awesomeness of the scenery.
 
I pay $543 AUD/year for fully comp and agreed value of $18,000AUD through Shannon's they were by far the cheapest I found here in Melbourne.....

$363AUD from Shannon's for agreed value of $18500 for my 2011 Touring, ,I have maximum No claim bonus ,Multiple vehicle policies (5) No finance and alarmed locked garage, also Touring Bikes are less to insure than "sports" bikes and they probably thing us oldies are less risk :whitstling:
 
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