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Ste |
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Ste Not Work Safe
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Mord |
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Mord Nearly there...
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ssruk |
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ssruk Nitrous Nuisance
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Mord |
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Mord Nearly there...
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Myler |
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Myler Borekit Bruiser
Joined: 20 Oct 2010 Karma :
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Posted: 21:49 - 26 Oct 2010 Post subject: |
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i found performance direct to be cheap, bearing in mind though anything i have insured previously was 125cc or under.
got a few quotes for when i get test done. with performance direct they come back as:
Bike: 1988 Yamaha Fzr 400 3en1
Rider: 19 years old, car licence for 9 months, restricted licence (when passed), 1 years bike NCB.
Area: Leigh, Wigan
price: £145 TPFT
price very similar for a 1989 Honda Cbr 400 nc29 ____________________ Current: 1988 Yamaha Fzr400 3en1 Project
Past: 1994 Suzuki Gn125, 2005 Aprilia Sportcity 125, Benelli Pepe 50, 2000 GasGas 249 'txt', 2004 Yamaha Neo's 50, 1990 Yamaha Tzr 125 |
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jingjing |
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jingjing L Plate Warrior
Joined: 30 Oct 2010 Karma :
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Posted: 09:44 - 30 Oct 2010 Post subject: HEEE |
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you should add this which dummy posted up last year (and I did again 8 months later) better-tiffany |
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Myler |
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Myler Borekit Bruiser
Joined: 20 Oct 2010 Karma :
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jingjing |
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jingjing L Plate Warrior
Joined: 30 Oct 2010 Karma :
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Posted: 04:30 - 11 Nov 2010 Post subject: It's far flippin harder than so called 'real' work |
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It's far flippin harder than so called 'real' work ____________________ tiffanysjewelryonline |
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guitarman.harris |
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guitarman.harris L Plate Warrior
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Ingah |
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Ingah World Chat Champion
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guitarman.harris |
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guitarman.harris L Plate Warrior
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tahrey |
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tahrey World Chat Champion
Joined: 07 Jul 2010 Karma :
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Posted: 18:26 - 11 Feb 2011 Post subject: Re: HEEE |
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Myler wrote: | jingjing wrote: | you should add this which dummy posted up last year (and I did again 8 months later) better-tiffany |
whats that got to do with price of bread? |
It's a spambot that's grabbed a random sentence out of the second post on the first page of the thread (nothing if not sophisticated I guess) and parroted it back with an advert on the end. Reported...!
Though if it had done that with the link taking people ONLY looking at page 5 back to the list of good/bad postcodes, it'd be useful. Certainly explains why mine shot up when I moved back home (B73, a C) from uni (LL57, an A). I've never got within even fifty quid of such cheap car insurance as I had when still a relatively new driver, age 22, chucking a knackered old Polo around the iffy Snowdonia roads as if I was Loeb in a base-class holiday rental.
Its assessment of my work zone (B33, a D-star) is pretty accurate as well. Area's known as one of those that it's not bolted down it'll be pinched, and it's the only place I've ever suffered a break-in. God only knows how rough the E, F and "Refer" ones are (inner city gangland I guess?), but if I lived there and had a bike I'd turn the stairs into a ramp and keep it in the bedroom, tied to the building frame with a thick-guage chain. I'm only happy to leave it outdoors here because of the site security patrols, I'd be highly wary of leaving it on the road for any length of time. |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 02:08 - 20 Feb 2011 Post subject: |
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Mmm, those ratings look far too gross. I'm apparently in an E(!) group. But so is everybody else in my 75,000 soul town, whether on sink estates or nice cul de sacs with no rear access and surrounded by coppers. I've never heard of so much as a garden gnome go missing from my estate.
By the way, and for the record, if you so much as get a quote from the hucksters at motorcycledirect dot co dot uk, they'll sell your email address to every spammer from here to Outer Elbonia. Be warned. ____________________ Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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Ingah |
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Ingah World Chat Champion
Joined: 10 Apr 2009 Karma :
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 19:33 - 20 Feb 2011 Post subject: |
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To be "fair", their privacy page implies they're going to do it, and they don't give an opt out. I'm fairly certain the ICO would frown on that - they might even send a Strongly Worded Memo.
Incidentally, I know it was them as I always give out your_address@my_domain for email addresses. ____________________ Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike |
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finger_nails_are_pretty |
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finger_nails_are_pretty Renault 5 Driver
Joined: 13 Sep 2010 Karma :
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tahrey |
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tahrey World Chat Champion
Joined: 07 Jul 2010 Karma :
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Posted: 19:53 - 21 Mar 2011 Post subject: |
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Rogerborg wrote: | Mmm, those ratings look far too gross. I'm apparently in an E(!) group. But so is everybody else in my 75,000 soul town, whether on sink estates or nice cul de sacs with no rear access and surrounded by coppers. I've never heard of so much as a garden gnome go missing from my estate. |
Well they are going just by first half of the postcode alone. Depending where you are that can be quite a large area, or a pretty small one. Round here (Birmingham) it may be a couple of square miles in the densely built up areas, enough that you can say that it's a fairly accurate depiction (if still "pixelated" - one hopes that the full underwriter software package goes right down to single-street / postal walk level) of a certain area of the city. One or two former mediaeval parishes to each zone. Best part of 90 "B" zones within a 20 mile radius of the spiritual centre of the city, plus all those in the conjoined Black Country zones (DY, WV, WS). I could easily walk round the border of my home zone in a couple of hours and touch on 3 or 4 others whilst doing so.
However in less populated areas it'll be a lot less precise. Someone tried to point me towards a location in Somerset the other day by using Road Name, Town Name, FirstHalfOfPostcode. I just used the postcode at first thinking "eh, I'll see the town and can then zoom in, the road's got a descriptive name so shouldn't be too hard to track". Could I find it? Nah. Had to resort to searching for it direct. That one code zone must have covered about 100 square miles and a couple hundred tiny villages. In which case, it would be a very crude measure that basically says, "all this stuff? The sticks".
(Each of the birmingham zones is in with a good shot of containing up to 75000 people ... certainly 25000+ wouldn't be surprising... plus we still have a very good number of businesses that would be covered, we have some industry left and an obscene number of shops and offices, making up for the "missing" residential population) |
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Aivaras55 |
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Aivaras55 Borekit Bruiser
Joined: 18 Mar 2011 Karma :
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tahrey |
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tahrey World Chat Champion
Joined: 07 Jul 2010 Karma :
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Posted: 19:17 - 05 Apr 2011 Post subject: |
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Hard to say mate ... either you've naively misread the terms of what they've put there (pay monthly ... often a bad idea anyway as they rape you with high interest ... only worth it if you genuinely can't stretch to the lump sum by any other means) ... OR they are pulling a fast one.
To be honest looking at what you've put I can't tell either way. It seems a bit confused, and it depends heavily on the exact wording and fine print of the original quote.
It also seems sky fucking high for what the bike is, are you still in nappies and living in guantananmo? Had fully comp car quotes not much more than your total-to-pay.
(oh... and are you FC, 3rd party fire+theft, or 3rd party only? The middle seems most cost effective for small cheap bikes).
I will say the deposit thing when doing finance payments doesn't work like it would for, say, a hire car or renting a flat. You don't get it back. It's just the part you have to pay up front so they know you're not just going to take out the policy (which, typically, they have to pay a cut of to someone else) and never pay a penny, ignoring all the final demands etc, leaving them out of pocket. If everyone was absolutely trustworthy, it'd be 12 x £37.20 instead. Effectively, they're using it for the first 3 months, I guess interest free as 100.99 divided by 3 is noticably less than 38.38; when does your first monthly payment go out? And are you sure you haven't also been put on a 10-month "no claims booster" policy? If they've fiddled the price without informing you, who knows what else has changed.
Sort out all the documents you have pertaining to this (you did of course keep printed copies of all quotes sent to you, whether paper or electronic, and wrote down everything that was said if it was a phone quote?) and be utterly sure of what you actually agreed to. It could be just a mis-reading of it (did it seem like a really, really good deal vs all the others?) and you missed an important bit where it said "£100.99 deposit plus 9 monthly payments of £38.38 for £345.42 overall repayment" which kind of gives itself away (the deposit doesn't count in that, because the rest of it is, quite literally, a loan), or maybe they are screwing you and need to be brought to task.
Either way if it was never written anywhere or said to you on the phone that the actual full cost for the year was £446, that's harsh. Assuming everyone can do mental accountancy isn't on. |
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Adam.I |
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Adam.I World Chat Champion
Joined: 23 Jun 2004 Karma :
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TheSmiler |
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TheSmiler World Chat Champion
Joined: 14 Apr 2011 Karma :
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Posted: 03:06 - 15 Apr 2011 Post subject: |
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just found this whilst searching it seems a bit old but may be helpful if included on the first page really good at letting you find out what category your bike falls under
https://www.vauntage.co.uk/bike_groups.htm#SUZUKI |
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jannypana |
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jannypana L Plate Warrior
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tahrey |
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tahrey World Chat Champion
Joined: 07 Jul 2010 Karma :
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Posted: 01:03 - 25 Apr 2011 Post subject: |
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Nice one....
(heh, no wonder I'm getting an insanely cheap premium... the only thing in a lower group than mine is some random MZ, probably because it's older than god...) |
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TheSmiler |
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TheSmiler World Chat Champion
Joined: 14 Apr 2011 Karma :
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Posted: 01:03 - 26 Apr 2011 Post subject: |
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tahrey wrote: |
Nice one....
(heh, no wonder I'm getting an insanely cheap premium... the only thing in a lower group than mine is some random MZ, probably because it's older than god...) |
No problem dude , I found it after searching because of several key bikes that I had been looking at online and quoted seemed to be cheaper than others.
It's hard to find out what class random motorbikes come under when you have to keep searching through every page on google. |
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Aivaras55 |
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Aivaras55 Borekit Bruiser
Joined: 18 Mar 2011 Karma :
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Posted: 18:34 - 03 Jun 2011 Post subject: |
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tahrey wrote: |
It also seems sky fucking high for what the bike is, are you still in nappies and living in guantananmo? Had fully comp car quotes not much more than your total-to-pay.
(oh... and are you FC, 3rd party fire+theft, or 3rd party only? The middle seems most cost effective for small cheap bikes).
I will say the deposit thing when doing finance payments doesn't work like it would for, say, a hire car or renting a flat. You don't get it back. It's just the part you have to pay up front so they know you're not just going to take out the policy (which, typically, they have to pay a cut of to someone else) and never pay a penny, ignoring all the final demands etc, leaving them out of pocket. If everyone was absolutely trustworthy, it'd be 12 x £37.20 instead. Effectively, they're using it for the first 3 months, I guess interest free as 100.99 divided by 3 is noticably less than 38.38; when does your first monthly payment go out? And are you sure you haven't also been put on a 10-month "no claims booster" policy? If they've fiddled the price without informing you, who knows what else has changed.
"£100.99 deposit plus 9 monthly payments of £38.38 for £345.42 overall repayment" which kind of gives itself away (the deposit doesn't count in that, because the rest of it is, quite literally, a loan), or maybe they are screwing you and need to be brought to task.
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Thanks for your post, sadly I saw it only now.
Yeah total amount displayed was without the deposit and they never mentioned total amount with deposit. I have paid the deposit thinking it's £100.99 from £345.42, but I saw it's not once I have paid the deposit.
I'm paying this amount for only 3rd party 125cc.. I have tried looking cheaper, but I couldn't find it. I'm 20y. old I have license for one year, but no official experience with insurance.
What about deposit? They charge me from the very first month, so where is my deposit? If I cancel my policy now, what about deposit? They should have used my deposit for first months not the last..
Also I haven't accepted my credit agreement yet lol I have got mail, but I forgot to sign it and send it. Can I get back deposit this way? lol they are screwing with me, so I could do the same.
Man, I hate all these companies in UK.. They are all just trying to steal your money, there's no such thing in a country where I was born. |
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