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How does this work? (Insurance related)

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Graham88
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Joined: 03 May 2006
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PostPosted: 15:02 - 19 Jun 2008    Post subject: How does this work? (Insurance related) Reply with quote
Been getting quotes on a 636 B1H.

I got a nice quote of £2622.40 FC Neutral

Put it down to TPFT and it came out as £7750.32.

WTF?

I'm getting pissed off with this, phoned about 3 insurance companies so far going through details each time and all are above 2k.

A year ago I was paying £580 on a VFR400?
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Aikman666
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PostPosted: 15:37 - 19 Jun 2008    Post subject: Reply with quote
Because of the time of year all the insurance companies pump their prices to catch the FWB's. Unfortunetly its much a case of supply and demand. They can charge near enough whatever they want.
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Graham88
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PostPosted: 16:57 - 19 Jun 2008    Post subject: Reply with quote
Did a quote on a VFR400 and came out as £578 FC.

I know people my age paying sub 1k on 600's Confused
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Kal
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PostPosted: 11:53 - 20 Jun 2008    Post subject: Re: How does this work? (Insurance related) Reply with quote
Graham88 wrote:
Been getting quotes on a 636 B1H.

I got a nice quote of £2622.40 FC Neutral

Put it down to TPFT and it came out as £7750.32.


They'll be different underwriters who will be willing to take different risks.
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TechJinx
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PostPosted: 12:03 - 20 Jun 2008    Post subject: Reply with quote
I got tpft on a 650 for £190 they're even giving me 3 free years NCD (I have none at present)
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The Artist
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PostPosted: 12:41 - 20 Jun 2008    Post subject: Reply with quote
try confused.com and gocompare.com

600's are cheaper to insure than 400's for younger people for some reason. I was in a bike shop and the ownder was talking to me about how lots of 400's are imports and they don't want to take the risk etc.
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The Artist
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PostPosted: 13:02 - 20 Jun 2008    Post subject: Reply with quote
An nc30 and an r6 are a bit different!

On average I think they are. I got quotes and they were cheaper for a 600 or 650 than a 400.

i was trying with vfr400's and sv650, cbr600
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Graham88
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PostPosted: 13:43 - 20 Jun 2008    Post subject: Reply with quote
allymoss wrote:
try confused.com and gocompare.com

600's are cheaper to insure than 400's for younger people for some reason. I was in a bike shop and the ownder was talking to me about how lots of 400's are imports and they don't want to take the risk etc.


I beg to differ, see my post above about my quote on a VFR400 NC30.

Haven't tried anymore haggling today, sort it out Luke! Very Happy
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Graham88
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PostPosted: 13:58 - 20 Jun 2008    Post subject: Reply with quote
Confused.com

£1146 FC

Excess £1150

Gocompare.com

£1161.26 FC

Excess £850

Both of the best quotes came from Motorcycle Direct.

Still seems a bit steep, or am I being a bit hopeful?
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NSR Mick
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PostPosted: 14:02 - 20 Jun 2008    Post subject: Reply with quote
Have you tried choice quote?
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Graham88
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PostPosted: 14:12 - 20 Jun 2008    Post subject: Reply with quote
gsxrmick wrote:
Have you tried choice quote?


£2,061.37

A company just rang me up to see if they could do a better quote.

The FC was 2k so went up Confused

But TPFT, is......£347.60 Shocked

With only a £250 Excess.

Cheap as fook. Still prefer FC if I can get it to a financially acceptable offer.
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Kal
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PostPosted: 14:19 - 20 Jun 2008    Post subject: Reply with quote
Try the Tescos comparison site
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Graham88
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PostPosted: 14:29 - 20 Jun 2008    Post subject: Reply with quote
Kal wrote:
Try the Tescos comparison site


£1480.98 FC
£778.14 TPFT

Excess: £650.00
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NSR Mick
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PostPosted: 14:55 - 20 Jun 2008    Post subject: Reply with quote
What's making you so high risk? Confused
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MattHirst
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PostPosted: 14:59 - 20 Jun 2008    Post subject: Reply with quote
Have you tried 'The Bike Insurer'? A comparison website just for bike insurance Thumbs Up
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Kal
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PostPosted: 15:24 - 20 Jun 2008    Post subject: Reply with quote
Graham88 wrote:
Kal wrote:
Try the Tescos comparison site


£1480.98 FC
£778.14 TPFT

Excess: £650.00


You don't want to know what they are quoting me... Smile
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Graham88
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PostPosted: 15:55 - 20 Jun 2008    Post subject: Reply with quote
gsxrmick wrote:
What's making you so high risk? Confused


To be honest, I have absolutely no idea mate.

I've compared my quotes to other people with accidents etc and I'm still coming out higher.

Bike will be garaged/1 NCB/OKish area/No accidents/No convictions/I have my own car with 1 NCB (seems to count for something these days). The only thing going against me is I'm 19 trying to insure a newish bike, but then lots of people do it Confused

That TPFT really has tempted me ALOT. I really wanted FC but unless I can reduce it it's far more than I'm willing to pay those money grabbing bastards. Middle Finger

Luke, I have tried Express Insurance, they have done me the best FC quote to date, they dropped the online quote of £2600 down to £1395.

MattHirst, I'll have a go at that now.
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Graham88
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PostPosted: 16:03 - 20 Jun 2008    Post subject: Reply with quote
The Bike Insurer

£1465.98 FC
£763.13 TPFT

Excess: £650
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Pete.
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PostPosted: 16:36 - 20 Jun 2008    Post subject: Reply with quote
gsxrmick wrote:
What's making you so high risk? Confused


Thay know he's mates with Luke Very Happy
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Graham88
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PostPosted: 17:09 - 20 Jun 2008    Post subject: Reply with quote
Haha Laughing
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Rockhopper
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PostPosted: 11:20 - 21 Jun 2008    Post subject: Reply with quote
Oh i'm so glad i'm 42 - my Ducati ST4 (916cc) costs me £89 a year fully comp with protected no claims and £100 excess!
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lllN30lll
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PostPosted: 11:28 - 21 Jun 2008    Post subject: Reply with quote
Graham88 wrote:
gsxrmick wrote:
Have you tried choice quote?


£2,061.37

A company just rang me up to see if they could do a better quote.

The FC was 2k so went up Confused

But TPFT, is......£347.60 Shocked

With only a £250 Excess.

Cheap as fook. Still prefer FC if I can get it to a financially acceptable offer.



i'll bet you any money your phone hasn''t stopped ringing since you gave gocompare, confused.com your mobile number.

I had it for daaayssssss after getting quotes. Laughing
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Graham88
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PostPosted: 11:50 - 21 Jun 2008    Post subject: Reply with quote
Strangely enough neither have! I don't mind companies ringing me to challenge quotes as it saves me the effort plus I don't need to constantly give details Thumbs Up

Rockhopper, I hate you. Sad
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lllN30lll
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PostPosted: 13:13 - 21 Jun 2008    Post subject: Reply with quote
Graham88 wrote:
Strangely enough neither have! I don't mind companies ringing me to challenge quotes as it saves me the effort plus I don't need to constantly give details Thumbs Up

Rockhopper, I hate you. Sad


it's saturday, wait till monday Laughing Laughing
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Pete.
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PostPosted: 15:02 - 21 Jun 2008    Post subject: Reply with quote
Rockhopper wrote:
Oh i'm so glad i'm 42 - my Ducati ST4 (916cc) costs me £89 a year fully comp with protected no claims and £100 excess!


I helped a guy broke down on one of those last week on Ebbsfleet roundabout. He had "total electric failiure".

Fancy that happening to a ducati Very Happy
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