Wife Won’t Let Me Buy a Motorbike!

TLDR; preferably after advice from married women. Help me understand the mentality behind this. My wife won’t let me buy a motorbike because she says she doesn’t want me to die in an accident and leave her and child behind.

Before getting married, from the age of 18 - 22 I used to commute to the city on a sports bike for uni and work. I have been a mountain biker for the better part of 15 years and I mainly ride down hill and enduro, for those who know this is largely very technical high speed and dangerous riding that I do almost every weekend of the year unless it’s raining. I also used to cycle using a road bike and I did this for 5 years but since stopped as I didn’t enjoy as much as dirt plus it committed a lot more time.

Recently I have rekindled my desire to get a motorbike again, so I am looking at buying a trail / dirt bike to head into the bush to ride.

It’s a bit of a natural progression for me and I love riding so it’s just an extension of the leisure I already undertake.

My wife who is normally very accommodating, flexible and understanding of my antics (whether it is going away for camping trips, boys weekends, or spending money on hobbies) has put her foot down on this in a big way and completely against it.

She is making statements like;

‘I would be extremely let down if you go ahead with this’

‘This is very selfish, if you died you would leave me behind to deal with everything’

‘I won’t stand by if you buy a motorbike and let it happen’

‘Don’t think you can just do this’

Really really strong language is used when the topic is brought up. Similarly I do not ever bring it up, I love watching the stuff on YouTube and usually then she raises it and makes a comment. Likewise if she sees somebody on a motorbike next to us while we are driving she’ll just randomly say stuff like ‘don’t think you can do something like that person’ - almost like she is trying to stamp out the thought so the action doesn’t follow.

For me it’s just a natural progression two wheels have always been a part of my life. So buying a dirt bike feels very normal and I am very confused with all this.

Likewise I don’t do do anything else that one would consider a vice - clean as a whistle (no drinking, smoking, drugs, infidelity, gambling, reckless spending, selfish spending, dishonesty, mistreatment, absenteeism) nothing. I spend a lot of time with my son, so I’m not an absent father either. I spend a lot of time with her so I’m not an absent husband.

I work extremely hard, I’m an adult and I take care of my family and make sure I always do my best so I don’t see why I can’t make a decision like this if I want too.

From my own reflection there are 3 incidents which I feel have shaped her mentality to date but this is just based on my own internal reflection - I could be wrong which is why I’m asking for advice as I can be WAY OFF.

1 - I usually go hard on everything. When I mountain bike, I ride hard, when I start a new hobby I research everything from top to bottom, when I work I really put it in. She may think that once I have a bike things will get out of hand based on my personality? I’ll ride hard, have a big accident and hurt myself.

2 - I had a road cycling accident, no broken bones, just a broken ego and smashed up body and some stitches. I fell off at speed on concrete and had to sit on the side of the path until she could come and pick me up to go to the doctors. She freaked out and tried to ban me from riding a bicycle again.

3 - She had a cousin die in a motor vehicle accident. At the time she was a baby so I don’t think they were very close but it occurred in her life so she may remember it or at least remember the impact on the families.

I would love to hear the mindset of some women who might feel the same or differently so I can gather a better understanding of this situation. She is an amazing woman and the above is not reflective of her personality which is why I am so confused because I can almost do anything with impunity and no oversight, but not this. If I said I’m going on a holiday with my mates for a week next month, she will just say ok have fun.

I would love to figure out how I can make the experience less stressful on her but also make it enjoyable for me and get a bike.

There is also the possibility to never buy a bike and just listen. But then what is the purpose of anything if you can’t do the things you enjoy. We live in an age of decadence, once we stopped working to survive we started working to create enjoyment.


  • +342 votes

    Just stick with the wifeys advice, she is correct.

    • +22 votes

      You are a very quicker reader, 9 seconds to reply? Or is this advice a default position?

      • +136 votes

        Just by reading this I can tell she cares alot for you and doesn't want to see you get hurt or potentially killed in a MVA as motorcycles offer little to no protection compared to cars on the road

        • +34 votes

          OP's location is Sydney too. Too many clueless people and (profanity) on the road…

          • +1 vote

            @Caped Baldy: I think this goes for pretty much anywhere. I have tossed this up many times but commuting by car daily you really lose confidence and realize the safety risks involved in driving a motorbike.

            My Dad used to ride a bike for work when I was really young, broke a few bones and immediately bought a car.

            • +1 vote

              @mezje: I am a Sydneysider so my experience is obviously skewed. When I have visited other cities the cycling infrastructure seems a bit more well thought out. And it doesn't help most of Sydney is a bit hilly.


            @Caped Baldy: Cuz are you scared of the area

            • +1 vote

              @thriftysach: I'm not your cuz, bro. /s

              Narrow and hilly streets means cyclists are slow and visibility can be poor. And there's lots of shitty drivers and hoons around.

      • +38 votes

        I was half-contemplating launching into a 'stats-laden' diatribe about how often a MB rider is killed due to no foreseeable fault of their own ('out in the dirt' or on public roads) etc. … no matter how careful/experienced they are; and the dramatically disproportionate statistics pertaining to faultless MB riders compared to faultless car drivers re deaths on the road.

        But I think you already know about all that stuff. The facts are, no matter how skilled/experienced you think you are, off-road you are always at the mercy of the terrain and any spontaneous faults that may arise with your bike (both of which are impossible to predict with any degree of certainty), and on the road you are at the 'mercy' of all the other dips##ts driving on that road. If I understand your post correctly you also have kid/s, so this is not strictly just a risk you are taking 'upon yourself/your wife' …

        On this particular issue, I very strongly urge you to heed your wife's advice. I also completely concur with the 'old adage' that someone wise has mentioned below:

        'Happy wife, happy life'.

        If you have an otherwise happy wife/life OP, and a kid (or kids) you can currently take care of, don't go messing that up for no good reason. Many people would 'kill' to have all that (pun fully intended). You are extremely lucky to have that, and I respectfully suggest that it would be wise not to jeopardise it.

      • +2 votes

        He is a smart man, he knows by reading the tile and also Wife is always RIGHT, regardless of what you think.


        He looks like quasi modo, and his wife looks like Christy Turlington

      • +2 votes

        Wifey isn't wrong in Sydney

        SUV driver charged after motorcyclist dies - Lidcombe


        Clearly he's a quick reader

      • +5 votes

        motorcyles = expensive.
        motorcycle insurance(needed if financing and since you will wreck parts of it(trail bikes dont even come stock with radiator shields)) = expensive
        riding a motorcycle raises life insurance costs = expensive
        divorce = expensive

        this is a bargain website. get yourself a bargain.

      • +1 vote

        Here a suggestion: "Don't die in an accident and leave her and child behind" Don't buy the bike.


      Golden principal no 1

      • +1 vote

        Is there a golden principal number 2, and if so, is it really still golden?

    • +22 votes


      Also, worth bearing in mind that people don't just die in motorbike accidents. They can and do end up as paraplegics and quadriplegics. There was a program many years ago in SA where they took motorbike riders to the Jilia Farr centre to see these poor buggers, as a reminder to ride safely.

      Was at a dinner party with a senior traffic police guy, and they call motorcycle riders organ donors on wheels.

      • +7 votes

        My uncle rides, as does his wife. Well, when they were younger.

        He came off one time, broke both arms and both legs, she got to wipe his backside and give him spongebaths for months. Lucky the kids were grown.

      • +6 votes

        Yes, this and traumatic brain injuries, amputations etc.

        Having said that people do get these injuries in lots of different ways - but motorbikes are super risky when it comes to major trauma and the potential for associated disability.

      • +2 votes

        I heard a similar one from a traffic officer "Temporary Australian"

        Edit: ps. Nice user name. Have you read the book?

        • +1 vote

          Yes. Hilarious and sad. Big Douglas Adams fan. And Pink Floyd…giving away my age there.


        skin grafts are unpleasent.

        anal suppositories to poop arent bad if you dont have feeling there.

        you dont need sex, you have your sweet memories of riding(if you didnt loose them in the accident)

        you got kids, they can take over cleaning you(did you know somebody has to wash your foreskin for you if you arent able, great father son bonding experience)

        ride a motorcycle today, we have financing options!!

    • +9 votes

      Super simple… as a motorbike rider you can only control what you do. You cannot control the actions of other motorists and that makes you a VERY vulnerable road user.

      You can be the best rider in the world and still be at the mercy of another idiot on the road.

      For every rider that dies there are 3 or 4 more that are left permanently disabled, with smashed up bones and living with pain for the rest of their lives.

      Human life is fragile and your family should be the most important thing in the world to you, do everything you can to make sure you wake up tomorrow and continue to enjoy every moment with them.

      A cheap thrill is simply not worth the devastating consequences should something go wrong.


        Buy a boat, you still can drive it without seat belts or helmet !


      I would absolutely love one, but I wont buy one as you are trusting everyone else on the road not just yourself. (profanity) that as the road is full of idiots.

      The other day I had a chrysler crossfire without any lights cut across three lanes of the opposite side of the road with lights off at 3am to overtake me and another car slowing down for the lights.

  • +68 votes

    Happy wife happy life.

    • +2 votes


      • +2 votes

        You say she's very flexible with your other interests, take the win and forget about the bike at least until the kid/s are older.

    • +3 votes

      Rule 1: Happy Life When Wifey is Happy.

      Rule 2: Refer to Rule 1.

      She is right you know…. risk outweigh the ride.

    • +13 votes

      Should be happy spouse happy house, as it's a 2-way street.

      • +2 votes


        Your wife allowing you to do something? That would really fly on the reverse wouldn't it?

    • +2 votes

      Painfully lame. Is it only men who enjoy being controlled and walked all over enjoy this saying? Or plain chumps?

      'Keep your wife happy and everything else will be good'. Such a lame and broken saying. Relationships are a team effort, a balancing act. You don't crumble to simply 'serve' the other person.

      Either way, to OP, it depends what level of compromise you're willing to come to. The way she's talking to you is sounding manipulative, but perhaps this is due to hitting home hard for her, so it brings up a lot of emotions. Still, not the best way to have a productive relationship discussion. Should be 'I feel uncomfortable about you doing X for these XYZ reasons' and it should then be totally up to you. 'Don't think you can do that' is controlling.

      • +4 votes

        Relax mate

  • +41 votes

    I’m not a woman, but my wife had a similar mentality after we had our child. When a child comes along, perspective changes.
    Additionally, I feel like drivers these days are the worst. I had a red p plater pull into us while our daughter was in the car, my wife was ready to kill.

    • +4 votes

      They are pretty bad. I don’t have any intention to ride road motor bikes any more as I had first hand experience being almost killed especially commuting through Sydney.

      • +7 votes

        Yep, MCs have over 20 times the fatality rate per km driven that cars do. Aint no such thing as a "minor accident" on a bike.

        Your kids come first. Take up mountain bike riding again, or some other adventure sport where you can get thrills that come with the risk of injury but not so much of death. And get good life insurance.

      • +4 votes

        By chance, were you with your wife when the near death experience happened? Perhaps she's associating motorbikes in general (be it off or on road) with a past traumatic event?
        End of the day she's likely worried that she's going to lose you and that would scare a majoriy of people, she's not doing it to try and restrict or inconvenience you, it definitely comes from a place of love and care.


        I actually saw just this very morning a "chopper style" motorcycle rider pull out from a side street onto a main road in front of traffic and I almost lost it as a lady took a big swerve and avoided him…
        F(think all the words), it is normally the other way round!
        I was in the outer lane of traffic and was not affected, but the guy really was very lucky.

  • +45 votes

    33 times more likely to be killed or seriously injured than a car driver……. Enough said

    • +10 votes

      I am only planning to ride dirt bikes in the bush. So I’ll take my bike on the Ute there and back, I don’t intend to ride on the roads as I’m not even that fearless.

      • +21 votes

        Oh ok, well you definitely won't die doing this…

        Obtain decent life insurance to address your wife's concerns.

        • +15 votes

          Money doesn't make up for having a dead dad and husbans. I don't think decent life insurance will address his wired concerns.


            @kawinuyo: Oh theres a number that would. Im not sure how much a nanny costs per year though.

        • +2 votes

          Oh ok, well you definitely won't die doing this…

          Don't count on it. I've lost count of the number of times I've almost had a trail bike rider test my bullbar. Driving along minding my own business on a road or track and a rider tears out of the bush right in front of me. Just as bad and as stupid as a roo.

          FWIW OP, I agree with your wife.

          • -1 vote

            @apsilon: Whoosh

          • +2 votes

            @apsilon: I know two blokes that have seriously injured themselves riding dirt bike trails and slipped and slid into barbwire fences. One of them fatally. Both very experienced riders from a young age too.

      • +1 vote

        Have you told her this? She may assume that you will eventually want to take the motorbike on the road.

        I do MTB as well, (though not enduro) and have been involved in a few crashes in my time. However, I am too scared to get on a motorbike. Higher speeds generally mean higher impact forces.

        I would try explaining to her that you'd only ever do it in the bush, and set (and stick to) limits that you don't cross, ever. If she agrees, then there you go. If not, hey, it's not the end of the world. There are other interesting things to do!


          Yes I have had that discussion, while she is receptive to the dirt riding idea she thinks its a slippery slope. Dirt one day, highway the next.


            @TheBilly: I see. Well, do you think there's a risk it might progress to that scenario? If so, then she's probably right.

            Anyway, I hope it works out for you, man. Just the fact that you're consulting others about their opinions on the matter shows that you care for your wife and how it would affect her too. Balancing conflicting ideas in a relationship is never easy, but I'm sure you'll work things out!

      • +1 vote

        A colleague's wife fractured her spine and arm as she came off a motorcycle dirt riding in the bush.


          last time I was in hospital a kid had burst his liver stacking his dirt bik. Since he was a kid he got better, however 5 weeks later he was suddenly back in ICU again due to the same injury. His parents hoping that he was finally better when he got discharged

          • +1 vote

            @Jackson: How do you know this? Were you in ICU for 5 weeks?

            • +1 vote

              @serpserpserp: No happened to be in there and spoke to the kids mum

      • +2 votes

        I ride bikes. I've been t-boned by a car. Still ride on the road, but less and less these days as it's certainly a danger with other cars on the road - I don't think I'd continue riding once I have a family. I prefer taking the bike to the track, as it's a more controlled environment than on the road. If you wanted to commute on a bike, I'd see where she's coming from.

        But, if all you do is plan to get a dirt bike and ride in the bush - you're not going to die and I think your wife is overreacting. Most people don't fully understand and just think bikes = dangerous.

        The two main things that makes riding bikes dangerous are:
        1. Steel boxes on wheels that weigh 2 tonnes.
        2. The rider. You do stupid shit, and stupid shit happens. Bikes only go as fast as you make them.

        I reckon riding a push bike on the road is more dangerous than riding a dirt bike in the bush. Even a sports bike on a closed track is relatively safe.


        That (riding in bush / on dirt roads) sounds safe to me, but I got a horse to do the same and wife rides sometimes too. Kids will be extremely pleased to have a horse. Not much chance on the road, my horse freaks out at traffic easily. The mare thinks she's gonna die if she spends too much time on the road, and she's right.


          Horse riding accidents are pretty bad at times too, not sure of the stats. I know it's pretty regular for someone to die or be maimed


            @Jackson: Anecdotally, most occurred during jumping, eventing or racing, i.e. competitive sports. In fact, I looked at the stats and they actually only included in competitive sport accident rates, because pleasure riding's death rate has no impact on the sports industries who ordered the stats. I'm sure some accidents happen during normal riding (bush / dirt road) though.


            @Jackson: After working on Trauma I learnt horses are so much more dangerous than I ever imagined.

            So many young women with head, spinal, or visceral organ damage.

      • +2 votes

        Definitely less risky than on the road - but another angle to consider is if you’re riding in the bush and have an accident the medical retrieval is likely to take longer increasing risk of death and disability. There’s still high speeds and heavy weights involved, so the potential for a serious injury/death is there.

        Having said that, with the drivers in my area I put myself at risk as a pedestrian just walking to the shops or the beach. The number of people who drive straight through red lights even long after they’ve turned red and I’m half way across the road amazes me.


        Have you looked into electric bikes? Some are almost as powerful and equally fun to ride in the bush as motorbikes. Maybe your wife will have a different opinion towards them?

    • +10 votes

      I don't think that stat is actually all that useful

      Motorcyclists are over-represented in fatalities, that is a fact. Off the top of my head, motorbikes are 4% of all registered vehicles but 15% of fatalities. What these numbers don't tell you is that a large number of motorbike fatalities are for riders who are unlicensed, not wearing a helmet or speeding. If you take these out of the numbers, the risk drops considerably.

      Having said that, motorbikes are at risk from other drivers. You can mitigate this to an extent with defensive driving, but from my understanding motorcycle fatalities are approx 60% rider caused and 40% car-driver caused. I have been in a motorbike crash caused by an car merging into me while I was temporarily in their blind spot.

      TheBilly sounds like he is in a high risk group for motorcycle crashes, about 40-50yo who hasn't ridden in 20 or so years. Anecdotally, this group is overrepresented in motorcycle crashes as they are out of practice and their reaction times and roadcraft aren't what they used to be.

      A big caveat: the risk profile is different if you're talking about mostly off-roading. I don't know any stats for dirtbike injury/fatality

      • +3 votes

        I did an informal analyis of the vic roads motorcycle fatalities a few years ago as I was curious in drilling down in the data. I don't know about the accuracy of your claim that most fatalities were unlicensed, not wearing helmet or speeding, but adding to your observations, my analysis showed that most motorcycle fatalities occur: on weekends, in the country, by men, under 30, and a surprisingly large number were single vehicle accidents.

        The data suggested to me that it's an example of a certain type of adrenalin seeking vehicle user seeking an experience but unfortunately not developing the technical ability to handle the machine. And this data obviously skews the overall risk higher when you don't drill down.

        • +1 vote

          Yeah, I think that the data is definitely more nuanced than just looking at the headline statistics.

          I had a bit of a deep dive into motorbike safety a few years ago, looking into the wire rope barriers which some motorcyclists hate because they allegedly rip you to pieces on impact, but the only case of this is in NZ and the bloke was travelling something like 200km/h. The coroner's report is an interesting read, the family are clutching at any excuse but it was fairly obviously rider error.

      • +1 vote

        a couple of months ago I was on a road with a 70 speed limit, hit a set of lights, then took off when it was green and while I didn't almost run over a motorcyclist, I had to take some evasive action. The guy was having a smoke while at the lights to my right, but since he had a full face helmet his helmet was sitting perched atop his head. And due to all this, he was too distracted and missed his green light, so then he proceeded to go on red, and he couldn't balance well enough with only one hand on the bars to take off properly. As a motorcyclist myself, I didn't think idiots like this existed, but sure enough they do

  • +13 votes

    My own wife had made no such demands but I decided when she was pregnant with the first that I would not ride a (road) bike again until the last was out of school. I used to ride regularly and I do miss it sometimes. I've taken a few mates' bikes for a quick spin around the block, but that's it. I've replaced weekend rides with kayaks or hikes or family pushbike rides or tonnes of other stuff. There's plenty to do to keep having fun.


      I think my wife is getting edgy because I’m showing to be so serious about it. I don’t blame her necessarily.

      I kind of feel the way you write, just give up and don’t do it till they are all adults.

      But the only thing stopping me is, what if I don’t make it to then in a healthy way? Then it’s just another sacrifice in the long lists of sacrifices we make. For example; a friend of mine who LOVES watching and playing weekend soccer healthy bloke late 30’s recently had a knee issue where the doctor said no more soccer ever again. Done and done. No if’s or buts. Might seem trivial and dumb but that was his thing, and it’s not happening anymore.

      • +2 votes

        Yeah I know.

        Personally, just the thought of having an accident (usually because of some other phuk in a cage, but dirt bikes obviously have their risks too) is enough for me to say no. I did the same for smoking, but of course that's a bit different.

        I don't think there's any right or wrong in these situations, just a weighing up of priorities. Even if you think your partner is irrational, it might be worth while dealing with it - we all have our irrationalities and maybe one day you'll want her to accept yours.

        Good luck!!

      • +4 votes

        Don't view things you don't like to give up as a sacrifice. View it as a trade-off and focus on what you gain in return.

        I sacrifice my free time to go to work - I trade my time for money. I sacrifice spending now - it is a trade-off to retire comfortably. I sacrifice smoking, drinking and drugs - it is a trade-off to look after my body.

        An active person like you will be able to find an alternative anyway.

      • +14 votes

        Well, it looks more like 'me living for me, not for my wife or kids' stance for you.

        Coldly accessing the risks, motorcycling (on the road or in the bush) is a dangerous activity. If it's not your LIFE — as in, you were not a competitive racer (for example) when you met, and you never communicated to your wife early on it's a deal breaker — you need to check your priorities. You're listing the 'vices' that you don't have in a bit of a checklist way, sounds a bit like you're feeling you're missing out. As a person or a husband, you're not entitled to have a 'vice'. It's ok if you don't do drugs or go to hookers, it doesn't mean you get to break your back on the bike now.

        The reason why your wife is pushing when saying 'don't even think about it' is that she feels you are trying to find your way around and justify doing it. If she knew you'd listen, agree, compromise and settle, she wouldn't repeat it several times.

        You're not here to understand her. You're here to find a loophole to do what you want regardless her pleas.

        P.S. Am a woman, riding a scooter, have a partner of 12 years, don't have kids. Will sell all scooters the minute I get pregnant.

        • +1 vote

          I only agree with this as far as pure stats are concerned, as far as road riding yes it's more risky if you are in an accident, but I think the rider training here is great, and if you are the right type of level headed person (which I believe TheBilly is) then you can ride defensively enough to not put yourself in the same bracket as the dozens of idiots and hoons. The old golden rule used to be "ride like you are invisible to everyone" in which case you won't ever put yourself in a bad situation. Having said that people say roads are dangerous, I actually think riding on random tracks in the bush where any random log or rock you clip could take you down is just as bad (but better the devil I know being a road rider).

          I agree about the up front part, I had it baked in prior to relationships that there were two sacred things in my life, and one was riding. After that it only came up once, when I was asked if I'd consider stopping I said no. A couple of years later circumstance changed and I no longer have the time or need to commute, but I'll be back on when the time is right and I don't expect any push back

      • +5 votes

        dont let a hobby become your identity


        Recent statistics about food deliveries and the gig economy…

      • +1 vote

        You decide to bring children into this life, gotta make sacrifices and can't be selfish.


        I think part of this is about whether your life is defined by the enjoyment of physical activities.

        Like it or not, we all get older and as you journey through life the body gets banged up and less capable. So do you want to live to 100 or live by your own terms and die (relatively) young?

    • +3 votes

      Be very careful going back to it after a long break. A lot of 50yo who haven’t ridden in years die on motorcycles.

      • +1 vote

        Never heard this before but sounds sensible.


      I used to ride a scooter and did the same - first child on the way and it was definitely time to stop. And that was after a couple of seriously close near misses with idiots in cars nearly taking me out. The fun/convenience just not worth the risk.

  • +14 votes

    There's a reason why medical staff call them Donor Bikes. Your wife has possibly heard this? Mate there are some times you just need to back down; if she's happy for you to live your life how you choose in every other respect, but is dead set against a bike (see what I did there) then obviously she has a real problem with it. Is it worth it to you to cause her that much anguish and stress? She's already mentioned she won't stick around if you get one - do you honestly think she's bluffing?
    There's lots of other things you can do in life to enjoy yourself, pick something else, unless you have a hankering for the single life.


      I’m talking strictly dirt bikes. No road riding at all.

      • +8 votes

        Have a look at some of the relevant stats pertaining to the recreational use of 'dirt bikes'. I can direct you to some of them if you like. Your wife is being entirely rational about this. She may only be sticking around at all because you have a child/children together. Tread carefully.

        • +4 votes

          If shes only sticking around for the kids then i say cut ties and buy the bike.

      • +6 votes

        A friend of mines Mum cried openly when I got a motorbike. She is a nurse and works with mostly motorbike riders who are recovering, I can't imagine how show would handle it if her son or husband got a motorbike.

        Chances are you wife has been traumatized probably knows someone or saw someone get hit.

        Since riding I've seen 2 dead motorbikers while riding, one on I saw actually die on the road and the other one I just came across off road.

        (Plus the usual just on side of roads with cops already one seen, doesnt really count)

        Also I've been side swiped by a Mum doing a school run in her four wheel drive.

        She was was talking on the phone and drifted into my lane.

        My bike sits in the garage these days, I just don't think its worth the risk.

      • +1 vote

        As someone that regularly does dirtbike riding I don't think being strictly in the dirt makes you much safer, the number of accidents I have seen on trail rides and for that matter a couple of near misses myself makes we wonder what the stats are for those killed riding in the bush. I have a wife but no kids, though I think I will probably give it up this year.

    • +1 vote

      doctors are more likely to commit sucide then the general population, live your life based on fear, see how far you get.

  • +2 votes

    I think you need to just accept it for now and listen to the wife. Maybe once your child is older, things will change.


      I have thought of this

  • +48 votes

    You have responsibilities now.

    • +15 votes

      I’m getting roasted

      • +12 votes

        Lol , you aren’t single and 18 - 22 any more.

        Once you are gone, she can’t bring you back… no amount of warranty or ACCC will fix it.

        • -16 votes

          What if I died on my way to work tomorrow just driving? Or I choked on my lunch? Or I had a aneurism? It’s a baseless fear … it could happen to any one at any time in any way.

          • +24 votes

            @TheBilly: That’s a straw man argument…

          • +7 votes

            @TheBilly: That could happen, true. But it's magnitudes of times more likely to happen on a motorbike. It's not a baseless fear as it is based on statistics.

          • +1 vote

            @TheBilly: I have a solution for you.

            Sign up a life insurance and tpd insurance with $100M payout, and put her as beneficiary.

            Then I think even if you want to do stunts like in GTA, she is ok.

            • +1 vote

              @DisabledUser393841: There is a way to calculate optimal life insurance payout. That is by calculating your income + partner income - your expense per annum plus inflation until you retire (e.g. 70)

              So for example if you and partner earn $100k pa, and you spend $30k for food and clothing, and both of you now at 35 years old. Then the optimal payout is $170k * 35 years.

              The reason it is calculated this way is because when one passes away, not only they leave an income deficit, it also added expenses in child care

              This is very rough guide, as there are other factors, such as super, inflation, centrelink, etc.

              More often than not people see their premiums as impossible, and choose not to take the amount equal to their mortgage only. This is the rather selfish option.


                @OldDataGuy: That calculation makes no sense at all. you don't need a $6 million payout to cover that income off. you need less than half that. paying what would be a massive premium for a $6 million payout would be insane.


                  @gromit: Love it when business refuse to accept the data simply because it is huge. And then said it doesn't make sense instead of providing sensible arguments.


                    @OldDataGuy: $6 million is needed only if you want her to be able to immediately retire and live on a higher income prior to husbands death. You are effectively replacing a $100k salary (~$75k after tax) with a $6 million payout which even with a 3% return will be grossing $180k a year without diminishing the base. The incomes you used you would need at most 35x $70,000. Life insurance is not meant to be a lottery payout.

            • +1 vote

              @DisabledUser393841: Many insurance policies will have restrictions on doing dangerous things, and riding trail bikes might be someting they exclude.