Bike/Car Insurance Rant

[StottyB]

So let me get this straight............

There is no way i can utilise my No Claims Bonus from a motorbike to get cheaper car insurance?

No, because they're both completely different tends to be the answer on a google search!

Yet any points accrued from riding my motorbike has to be declared on my car insurance quotation

Yes

As a 21 year old being on 2 wheels for 5 years....no claims at all but 6 points (3 for re-adjusting the strap on my glove while moving...taking hands off the handlebars for a few seconds is deemed not in proper control of my vehicle. The other 3 for no front L plate on my NSR125 nearly 4 years ago.....that is my bad...) my cheapest quote for Third Party on a 1.2 Clio....

£3830.27

Gutted
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2005 Gilera Stalker 50DT ---> 2003 NSR125R ---> **1999 Honda Hornet 600**

[Glenben92]

All the more reason to stick with the superior form of transport
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[Paulington]

I believe some underwriters do allow you to use bike NCB on cars, it'd be a case of ringing individual ones and asking though.

Also, I assume that quote is online? Often if you ring companies instead they are cheaper. Keep an eye out for companies that "Guarantee to beat any like-for-like quotation" as they can be useful.

Try some other cars, Clios are very often crashed by people so try some others. Avoid Corsas, Saxos, Peugeot 306s and such like the plague if you can.

Judging by that quotation you probably aren't going to get below £3000. I'd stick with two wheels for a few years until those points disappear as it's only the points making your quote crazy.

Hope that helps.
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[-LG-]

Have to laugh at you explaining in detail about the 3 points with the glove xD.

Clios are a bit chavvy, so going to be expensive to insure.

[Ste]

[Livefast123]

Try a larger fleet car like a Mondeo, 406 etc. Tend to be cheaper to insure as less spotty chavs have them.
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Current ride - Yamaha MT-07

[Marcg868]

Try the whole fully comp before TPFT!

for me 0 ncb for a Car and a 1.6 Litre Vectra Comp is £1,600 and for TPFT on the same car its £2,870. Not got a clue why its cheaper for comp.

Also the Vectra is cheaper to insure than the twatty clio's corsa's etc.
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JACK, MISS YOU LOADS YOU LEGEND.

[Acemastr]

[Rogerborg]

Yup. I get slightly cheaper insurance on my 1.6 Picasso (notionally group 4) than on my 1.4 C3 (notionally group 3) with the same drivers, mileage and NCD. Smaller cars are not necessarily cheaper to insure.

[StottyB]

Her dinner lady style power trip cost me an extra grand on my car insurance!

I can't think about that situation too much it winds me up!

Anywho I'm going to try some different cars and see how it effects the price! The points do only stay on for 3/4years but you need to give any convictions within 5 years usually!

I'll update if i come across any 'bargains' however if anyone knows of any insurance companies that'll cross over bike NC to car do let me know!

Carole Nash = No

....i've tried more but i can't think who right now
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2005 Gilera Stalker 50DT ---> 2003 NSR125R ---> **1999 Honda Hornet 600**

[StottyB]

and come to think of it......

'how long have you held a full license for'.....well that's gotta be since i got my full motorcycle license then surely?
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2005 Gilera Stalker 50DT ---> 2003 NSR125R ---> **1999 Honda Hornet 600**

[Yarri]

I love when i rang up about car insurance and guy asks me:

him: 'how long you held your full license'
me: '2 years'
him: 'when did you pass your car test'
me: 'year ago'
him: 'so you had your pink license 2 years, right?'
me: 'yeah'
him: 'and you passed your car test 2 years ago?'
me: 'no, i passed it year ago, but i had my pink license 2 years'
him: 'thats not possible'

it gets even worse when i say i have 3 years ncb and they say its impossible as i only held my license 1 year...
/facepalm
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Theory Passed: 23/10/2008 49/74 Bike Test Passed: 05/01/2009 1 minor
Theory Car Passed: 22/07/2009 48/74 Car Test Passed: 22/10/2009 2 minor
Few minutes of life of the biker could be more interesting then the whole lifes of many people

[MarJay]

You can't use no claims bonuses twice anyway, so if you're keeping a bike you can't use the bike NCB on the car. Some insurers (Tesco IIRC?) will take bike NCB but it means starting from scratch on bike insurance, and the bike NCB will make next to bog all difference on car insurance anyway.

I'm still unsure why you feel the need to rant about this, its been this way for a very long time indeed.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[Rogerborg]

Well, I can see 3,830 reasons to rant about it. Suck to be young. And it didn't always used to be this way - the insurance on my first car did cost less than the car, and the car didn't cost much.

Mind you, I did once see a youngish chap at an auction buy a 2 year old Sierra Cosworth (think about £20K in new money), then call an insurer from a payphone. Pause... "That's more than I paid for the car!"

Just tell yourself, Duckie,
you’re really quite lucky!
Some people are much more…
oh, ever so much more…
oh, muchly much-much more
unlucky than you!

[ms51ves3]

I'm in exactly the same boat at the moment, and getting ludicrous quotes for insurance.

Just got one for £8,000 on a 1991, K10, 5 door, 988cc Nissan Micra worth £300

Cheapest quote I've got so far was £3,100 on a 1 litre Seat Arosa.

I guess I'm just going to have to wait, and hope that I get a company Fiesta van from work

[Glenben92]

I think part of the mentality behind it is that if you're insuring a better car (i.e not a corsa or saxo etc. etc.) then you're more likely to wanna look after it. Therefore be more careful on the roads with it. Insurance quotes should require an interview. In which they can PROPERLY assess your risk to their huge profits.
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[Ste]

[N cee thirty]

[Ste]

They've been making huge losses because of robbing cunts.

And because of those robbing cunts, the price of insurance goes up for everybody. So if you want to blame anyone, blame the people who've gone for the quick buck by inflating their insurance claim.

[Howling TerrorOutOfOffice]

^^^
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