Full coverage insurance in Colombia? for a honda 600rr?

larryrn says on Nov 17, 2008, 05:30:

Liability insurance is not required in Colombia. No insurance is required here, but of course if you have a loan the bank needs to be protected.

That being said, I would suggest insurance. If you kill someone you go to jail immeditely if you don't have insurance.

Different insurance plans have different options, such as an attorney coming to the scene of the accident to represent you and many features like AAA has in the states.

Larry

Larry Snyder, www.rn.org

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aquivoymedellin says on Nov 17, 2008, 05:54:

Why look for trouble and worry about being robbed at gun point, buy your self a dt or a china bike when down here

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elk says on Nov 17, 2008, 06:10:

I have a 2008 V-Strom 650....

Liability insurance, SOAT, is required here in Colombia and it's the first thing they ask for when your stopped. Don't ride without the mandatory liability insurance. Mine costs 275,000 COP per year.

You can get additional insurance, but it's expensive. Additional liability which included theft cost me 1,590,000 COP per year. ($688.00) You can double this amount for full coverage. My insurance company notified me after six months they had made a mistake and had given me a 50% discount in error and ask for another 1,590,000 COP or the policy would be canceled. ( I didn't respond and the policy was in fact canceled)

I decided to stay with the required SOAT insurance and take my chances. I can only imagine the problems of collecting from this company in the event of an accident or claim.

You will never know if your with a good insurance company until you make a claim.

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vicshere says on Nov 17, 2008, 06:19:

All you need to buy is the SOAT....which is a State insurance...and it doesn't cover theft...if you kill someone the SOAT covers that...but it still doesn’t stop the family from doing a "demanda"....but the chances of a family suing the driver are slim to none....why cause the family usually doesn’t know their rights or have the money for a lawyer...I have been driving my car and motorbike for 5 years with SOAT and never a problem...if you are in an accident and its not your fault...make sure you get the Transito and get them to do a "crocis" ...if the driver tires to make a deal make sure you are covered for the damages and only receive cash before you leave the scene of the accident ... if you move your car your screwed and the Transito will do nothing about your accident...again do not move your car till you receive the money in your hand...many drives know about this and will ask you to move the car to the side and make a deal...don’t do it...it happened to me and I ended up paying for my damages which weren't even my fault...if its your fault try to make a deal with the other driver before the transit comes.

listo

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mranderson says on Nov 17, 2008, 06:31:

They probably won´t target your 600rr because it would be too dificult to sell or sell the parts. Also more of a chance they will get caught cause that bike really sticks out here.

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elk says on Nov 17, 2008, 06:36:

Mranderson...I agree with you. I've been told my V-Strom is not likely to be stolen.

I suggest using a "disk lock" for added protection. They don't seem to be a common item here in Medellin. I usually ride in the country and stay with my bike.

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mranderson says on Nov 17, 2008, 06:40:

Elk, how is that v-strom? Do you ride in the city and is it manuverable? I heard it´s pretty big. I´m thinking about getting one when I go back to the states. I do mostly city commuting and my little 150 is great for getting through traffic. But it´s got no power for climbing hills especially with a passenger.

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C5vzla says on Nov 17, 2008, 07:22:

How is the safety situation in Colombia, regarding bikes? I am thinking of moving to Colombia as the situation here in Venezuela is terrible. Here you cannot buy any bike used by the police forces, KLR, XT, F650, Vstrom, because they are impossible to insure, too many thefts.

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600rrcol says on Nov 17, 2008, 07:44:

Thanks everyone for your responses, ELK i guess that is a little expensive for theft in colombia but compared to what im paying in NY its more than reasonable. and Mranderston i have thought that and i know its not the same like it is here were people steal them left and right and sell them but still I want my bike protected so i can sleep peacefully. and as for aquivoymedellin theres a biiiiiig difference between a 600rr and china bike there is no way im down grading lol. i love these bikes too much and they are perfect for the countryside in colombia and i will be traveling back and forth alot between pereira and cali so its a nice ride por la via a cali

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mranderson says on Nov 17, 2008, 07:51:

I would never have thought that a sport bike like that would be comfortable for longer trips.

By the way, have you ever ridden through the countryside in colombia? I don´t think there are many places to really open up a bike like that, although I haven´t done much traveling by bike myself.

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elk says on Nov 17, 2008, 08:06:

Mranderson.... I ride in Medellin also, probably not a good idea with the crazy drivers, but the bike handles nicely. I really enjoy riding in the country south of Medellin. It has plenty of power for passing with or without a passenger. I rarely exceed 80 KPH and it handles the curves perfectly. Be sure and purchase the skid plate and tank protector if you ride in Colombia. I dropped mine on a remote gravel/dirt road with minor damage.

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omargue says on Nov 17, 2008, 08:38:

you can get a separte insurance that covers 75% if stolen. its a seguro de robos. i personally love those bikes but it really sucks riding in the city with one like that. too many holes in the roads and harder to go in and out between buses and cars. i've seen it done but not as easy as smaller bikes.

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600rrcol says on Nov 17, 2008, 09:45:

yea in the smaller cities its difficult but these bikes are amazing on the mountain sides too, taking those curves, but like i said it will mainly be ridden from cali to pereira alot of straight aways and a few sweeping turns and also that road has a higher speed limit of 100kmph although in all honesty its a 3 hour trip by car i know for a fact on that bike ill cut that time in half if i maintain a speed of about 170 kmh crusing once i get to kno where all the checkpoints are. no cop will be able to catch me on the 600rr, hell they dont even catch me in ny and they ride around in dodge chargers, but i wouldnt risk it in colombia because they can easily radio ahead en la carretera, there arent many back streets or exits or other highways to run to like there are here. but that seguro de robos sounds very very tempting im going to look into that. that sounds like the best bet.

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vicshere says on Nov 17, 2008, 09:58:

170 kmh crusing
think again....when you hit a pothole...donkey...old man on a bike....a motorbike going 30km...you'll be going nowhere...this is not the USA for god sakes

listo

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jonas says on Nov 17, 2008, 10:25:

and those checkpoints usually operate with 2 groups, one reading your speed and then a mile later the 2nd one to stop you. If you were to ignore the latter I would call you somewhat crazy. Maybe bullets don´t travel as fast as radio waves but seem to be considered as very effective.

The fines are quite hefty I find, about $200mil

Mi alma se la dejo al diablo

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vicshere says on Nov 17, 2008, 11:24:

The fines are quite hefty I find, about $200

way more than that .... more like 400-500 for 170kmh

listo

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vicshere says on Nov 17, 2008, 11:25:

by the way wouldn't worry about your bike getting stolen....at those speeds you wouldn't need a bike much longer...this ant Kansas any more baby

listo

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600rrcol says on Nov 17, 2008, 13:39:

lol I expected to get those kind of responses, well im not in colombia yet so it will take getting used to the roads, but the via a cali is freshly paved and smooth and i dont plan on blowing past any checkpoints.

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vicshere says on Nov 17, 2008, 14:45:

i found it
64 Conducir un vehículo a velocidad superior a la máxima permitida. $ 357.202

listo

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webmanco says on Nov 17, 2008, 15:08:

V-Vstrom about USD $10.000 the one I need to travel Bogotá - Buenos Aires

Hondas motorcicles are hard to sell here.

http://www.motorcycle.com/manufacturer/suzuki/suzuki-vstrom-650-17909....

...A yo, déjenme queto y no me jodan má! ...

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