|
Author |
Message |
kestrel1991 |
This post is not being displayed .
|
kestrel1991 L Plate Warrior
Joined: 08 Feb 2008 Karma :
|
Posted: 23:15 - 09 Feb 2008 Post subject: |
|
|
i am a new owner of a 2003 aprilia mx50, and i was looking for ages trying to fing cheap quotes. i had one from bennets and they're shite-- £800 4 a third party only- what a rip off!!
anyways a friend recommended www.lexhaminsurance.co.uk and i got the price right down to 210 quid. so im going for that. ____________________ -----Conor-K-Pearce----- |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Mudskipper |
This post is not being displayed .
|
Mudskipper World Chat Champion
Joined: 22 Aug 2006 Karma :
|
Posted: 10:46 - 14 Mar 2008 Post subject: |
|
|
Interesting article on bike insurance from the Motley Fool.
https://www.fool.co.uk/news/your-money/insurance/2008/03/12/seven-motorbike-insurance-tips.aspx?source=ioowftxt0010011
Quote: | Seven Motorbike Insurance Tips
Motorbike insurance is less complicated than car insurance. For that reason, there are fewer tips to give you, once we omit obvious statements like: 'Less powerful bikes, and bikes locked in garages at night, will have lower premiums'. Still, here are a few things I learned during my time in the insurance industry:
1. Compare the small print
Like all insurances, cheapest isn't always best. Compare terms and conditions for driving abroad, the policy excess, whether your no claims bonus is protected, and so on.
2. Important stuff about 'riding other bikes' cover
A 'riding other motorcycles' extension covers you for third-party damage only or sometimes even less cover than that, i.e. the lowest cover possible, which is called Road Traffic Act cover. You can only use the extension if the bike is insured by its owner. Furthermore, once you park the vehicle using this extension, it's not insured at all till the owner re-takes possession!
One more thing, bear in mind that you don't automatically have this cover if you have a comprehensive policy. So check your insurance certificate to see if it's included.
3. Modifications aren't all that bad
Unlike car insurance, most modifications don't increase the premium, or if they do it's just a little. Obviously, if it enhances performance a lot you can expect higher premiums. Even so, if your mod doesn't increase performance, you must still disclose it to the insurer. Non-disclosure of any modifications could result in your claim being rejected, and your policy even classed as void.
4. Free legal cover
Legal-expenses insurance can be useful, but try to pay nothing for it if you can. It costs the insurer nothing, or at most a few pounds, so it can be quite easy to negotiate on this.
5. Try decreasing your voluntary excess!
Increasing your voluntary excess can decrease your premium. That's old news. However, did you know that sometimes it can't? This can work in your favour, too. When you get quotes, try both increasing and decreasing the excess; you may find you get the same price for a lower excess.
6. Avoid paying by direct debit
Don't pay by direct debit, because it's very expensive. You could easily pay interest at 30% APR! If you can't pay for the whole policy up front, use a 0%-on-purchases credit card, and pay off the balance in full before the interest-free deal ends.
7. Loyalty isn't rewarded
As with any insurance, always check prices elsewhere at renewal, because it's likely that another insurer is now cheaper. Loyalty is not rewarded, sadly.
That's about it. I hope you've picked up something from that lot. I'll have more tips on motorbike insurance in the near future, including some tips to win claims when the other driver is disputing liability. Winning non-fault claims is not always an easy task for a motorcyclist! |
____________________ CBR125|||GSXR400|||CBR400|||CBR400|||CB250RS|||GSXR750|||CB250RS
"You're clumsy, you eat too much and you behave like a 12 year old boy. But you know what? Every once in a while, you find a thumb." |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Mal |
This post is not being displayed .
|
Mal Brolly Dolly
Joined: 31 Aug 2004 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Fitton |
This post is not being displayed .
|
Fitton Two Stroke Sniffer
Joined: 23 Apr 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Wozza |
This post is not being displayed .
|
Wozza Brolly Dolly
Joined: 17 May 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Biker101 |
This post is not being displayed .
|
Biker101 Traffic Copper
Joined: 22 Jan 2006 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Pudgemeister |
This post is not being displayed .
|
Pudgemeister L Plate Warrior
Joined: 28 Jun 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
TomR6 |
This post is not being displayed .
|
TomR6 World Chat Champion
Joined: 25 Dec 2006 Karma :
|
Posted: 16:17 - 28 Jun 2008 Post subject: |
|
|
Thats the postcode, so AB10 - AB16 and AB21 - AB25 etc. All of them fall in the 'A' group therefore the cheapest.
Whereas AL1 and AL7 fall into the worst insurance group, F. ____________________ 2005 Yamaha R6 |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Visitor Q |
This post is not being displayed .
|
Visitor Q $25 whore
Joined: 30 Apr 2004 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Pudgemeister |
This post is not being displayed .
|
Pudgemeister L Plate Warrior
Joined: 28 Jun 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Jumile |
This post is not being displayed .
|
Jumile Nova Slayer
Joined: 04 Aug 2008 Karma :
|
Posted: 12:21 - 11 Aug 2008 Post subject: |
|
|
Thanks to Mudskipper for that Motley Fool article. Good advice.
I just made a couple of calls to get a ballpark comprehensive insurance cost for the make/model of bike I'm thinking of getting (SV650 - year 2000 and £2K value for ballpark).
Rang the AA who said Equity Redstar came back with the best quote: £265. Then I rang Devitt (Directline's motorcycle insurer) who said NIG Insurance came back with the best quote: £181. Both provide European cover (60 days), £100K legal cover, allowed to ride other peoples' bikes (TPO), etc. Forgot to check NCB protection, but I can do that later.
That was for a hypothetical bike that doesn't exist, so it goes to show even simple shopping around is worthwhile. I'll probably find a better deal if I look harder. ____________________ Matt
Yamaha YZF600R Thundercat
The greater the difficulty, the more the glory in surmounting it. --Epicurus |
|
Back to top |
|
You must be logged in to rate posts |
|
|
silverelephan... |
This post is not being displayed .
|
silverelephan... L Plate Warrior
Joined: 27 Jul 2008 Karma :
|
Posted: 17:13 - 11 Aug 2008 Post subject: |
|
|
Hi I know this is probably completely the wrong place to ask about this but where can I find out what security comes on a bike as standard? I've put down a deposit on an SV650S, just waiting on my licence coming through to complete it all and I'm trying to get quotes while I'm waiting but I can't find information ANYWHERE on what security comes on the bike. It's a new 2008 machine, am I being completely naive to think that it will at least have something the way new cars all seem to have? |
|
Back to top |
|
You must be logged in to rate posts |
|
|
AL- |
This post is not being displayed .
|
AL- World Chat Champion
Joined: 17 Mar 2005 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
tzr |
This post is not being displayed .
|
tzr Nitrous Nuisance
Joined: 18 Jul 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
The Disapproving Brit |
This post is not being displayed .
|
The Disapproving Brit World Chat Champion
Joined: 10 Sep 2008 Karma :
|
Posted: 23:45 - 10 Sep 2008 Post subject: |
|
|
I've just insured my first bike (2000 Kymco Zing 125, priced at £1000 for insurance), and prices ranged from £280 with a £500 excess to £98 with a £150 excess for TPFT cover. Guess what I went with?
The £98 was from Motorcycle Direct if anyone's interested. |
|
Back to top |
|
You must be logged in to rate posts |
|
|
michael2008 |
This post is not being displayed because the poster is banned. Unhide this post / all posts.
|
michael2008 Banned
Joined: 08 Oct 2008 Karma :
|
Posted: 11:47 - 08 Oct 2008 Post subject: Bike |
|
|
The bicycle, cycle, or bike is a pedal-driven, human-powered vehicle with two wheels attached to a frame, one behind the other.
________________________________________________________
Carhartt Work Gloves investment real estate |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Nick__C |
This post is not being displayed .
|
Nick__C World Chat Champion
Joined: 06 Oct 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Ste |
This post is not being displayed .
|
Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
|
Posted: 20:57 - 19 Nov 2008 Post subject: |
|
|
You should be able to get better quotes over the phone.
You can haggle with someone over the phone, you can't haggle with a website. |
|
Back to top |
|
You must be logged in to rate posts |
|
|
Nick__C |
This post is not being displayed .
|
Nick__C World Chat Champion
Joined: 06 Oct 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
Visitor Q |
This post is not being displayed .
|
Visitor Q $25 whore
Joined: 30 Apr 2004 Karma :
|
Posted: 22:21 - 19 Nov 2008 Post subject: |
|
|
Trust us on this, the internet shafts you.
Basic premise (logically) is, once set up, it runs itself... so they'll charge you the premium less the handling.
However, as said by Ste, when you phone up you can bully them and play them against each other. Drive them lower. ____________________ China traffic/travel bike vid - When I make a sweeping statement, please add the word 'statistically' in to the sentence before you bitch...
From September 2014 to January/February 2015 I will not be using any English, nor reading any. As such, I won't be on here. PM at will, but I won't be checking/posting unless in emergencies. Certainly not for the first couple of months. Please berate me savagely if I break that rule... |
|
Back to top |
|
You must be logged in to rate posts |
|
|
The Disapproving Brit |
This post is not being displayed .
|
The Disapproving Brit World Chat Champion
Joined: 10 Sep 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
LimehouseCBF |
This post is not being displayed .
|
LimehouseCBF Nova Slayer
Joined: 04 Jan 2009 Karma :
|
Posted: 11:50 - 04 Jan 2009 Post subject: |
|
|
Im with Express Insurance: https://www.expressinsurance.co.uk/web/bike_insurance.html
im 21 did my direct access failed 1st test (bloody indicators grr) and took me 2nd test on my own bike honda hornet 600 '98( that wasnt any extra) 670 fully comp with free roadside recovery(helped me out) so if you take your test on your own bike this was really reasonable! ____________________ And on the 7th day the lord said..lets get pissed |
|
Back to top |
|
You must be logged in to rate posts |
|
|
unspec |
This post is not being displayed .
|
unspec Nova Slayer
Joined: 22 Mar 2008 Karma :
|
|
Back to top |
|
You must be logged in to rate posts |
|
|
vYv_Vendetta_vYv |
This post is not being displayed .
|
vYv_Vendetta_vYv L Plate Warrior
Joined: 08 Feb 2009 Karma :
|
Posted: 00:52 - 18 Mar 2009 Post subject: |
|
|
SO much for swinton - 19, insuring a DT 04` RE 125 with insurance approved Oxford disclock & heavy duty chain, locked concrete garage etc etc.
TPFT
800+ cheapest, £3000 from one they quoted
I cant seem to find any lower than £450, guess i'll just say F..it and go for it.
for anyone in the same position:
AXA Insurance - UK
385 one-off, or 450 monthly. |
|
Back to top |
|
You must be logged in to rate posts |
|
|
blinky |
This post is not being displayed .
|
blinky Nitrous Nuisance
Joined: 29 Mar 2009 Karma :
|
Posted: 02:32 - 07 Apr 2009 Post subject: Devitt |
|
|
ye i just went through Devitt recently as ive used them for the general leg work over my 2 years of riding, was then quoted £98 3rd party etc. for my recent renewal of my cg125 (usually kept at home and garaged obv! ) i think it was with NIG but not sure
i really was rushed at the time so figured for a 2 year no claims and living in a reasonably nice/safe part of Bristol, the £98 was a good offer, so snapped it up, done!
Got my A2 coming up this week, so wish me luck ____________________ Better to ask forgiveness than permission!
Oh i miss my first love, the lovely lil CG!
Rouser 135 2012... Enfield 25... Hornet 600 2002... CG125 2000 |
|
Back to top |
|
You must be logged in to rate posts |
|
|
|