Insurance question

[blurredman]

Right well I passed my test on the 19th, I have been wondering if it is alright to still be riding on with provisional insurance details... It is more expensive to update the quote with admin charge etc then what it is worth. But I am asking is this alright?

My logic comes from the fact that if you pass your test- you gotta get home right?

I've only been out once since before phoning the insurance company, as this has been bothering me..

I am with Swinton BTW, and I pay annually
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CBT: 12/06/10, Theory: 22/09/10, Module 1: 09/11/10, Module 2: 19/01/11
Past: 1991 Honda CG125BR-J, 1992 (1980) Honda XL125S, 1996 Kawasaki GPZ500S, 1979 MZ TS150.
Current: 1973 MZ ES250/2 - 18k, 1979 Suzuki TS185ER - 10k, 1981 Honda CX500B - 91k, 1987 MZ ETZ250 - 40k, 1989 MZ ETZ251 - 52k.

[pinkyfloyd]

Call them. They might refund your insurance a little for going from Provisional to Full.

I was lucky. I passed my test 2 weeks before my insurance was due and just picked up the 750 and insured it as the start of a new year.
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illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
Hockeystorm65:.well there are childish arguments...there are very childish arguments.....there are really stupid childish arguments and now there are......Pinkfloyd arguments!
Teflon-Mike:I think I agree with just about all Pinky has said.

[clancy]

i would advise updating your info with them about having past your test. your insurance will probably go down and it also then gives them no reason to not pay out if you should have a crash, cus if they can get out of paying then they will
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KLX 300r

[N cee thirty]

its a hell of alot cheaper once you change it from provisional to full license
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'00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30 Mod 2 Passed 09/06/2011

Jewlio Iglesias wrote: I actually did vote BNP once

[blurredman]

Using comparative websites and other information I recon the insurance would be about £100 cheaper if I updated- However, with something like a £50 admin fee I was put off

Money aside, is it legal?


Looking at things though, whether it is worth it or not, it is something I have to get on the phone to.
____________________
CBT: 12/06/10, Theory: 22/09/10, Module 1: 09/11/10, Module 2: 19/01/11
Past: 1991 Honda CG125BR-J, 1992 (1980) Honda XL125S, 1996 Kawasaki GPZ500S, 1979 MZ TS150.
Current: 1973 MZ ES250/2 - 18k, 1979 Suzuki TS185ER - 10k, 1981 Honda CX500B - 91k, 1987 MZ ETZ250 - 40k, 1989 MZ ETZ251 - 52k.

[clancy]

£100 cheaper....£50 admin fee...=£50 saving

and as i said, if there system says your a learner driver and your not if you haev a crash they may not pay out due to your information being wrong. they do try and get out of paying however they can.

for 5 minutes on the phone and a £50 saving you might aswell do it
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KLX 300r

[Rogerborg]

Counter-point: you've reduced their risk. How could they refuse to pay out?

I certainly wouldn't pay them anything for the privilege of updating your details. Only do that if you're increasing their risk, i.e. your license is endorsed, or you suffer a theft or loss.
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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

[The Artist]

[clancy]

im not saying the insurance companies deffinatly arent going to pay out. its just....why give them a reason not to ? and your saving £50 at the same time.. win win ?
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KLX 300r

[Parp]

If you have a minor or no blame bump, you may be OK, yo keep you on as a customer. If it is your fault and the bills are going to be big, they may dump you to avoid having to pay out.

[blurredman]

I just called up some time ago..

This is the situation:

1) The amount I would save, wouldn't be taken into effect until the next renewal of insurance (June);
2) Updating records for the motorcycle is voluntary.

Thus- I would be spending money rather than saving it
____________________
CBT: 12/06/10, Theory: 22/09/10, Module 1: 09/11/10, Module 2: 19/01/11
Past: 1991 Honda CG125BR-J, 1992 (1980) Honda XL125S, 1996 Kawasaki GPZ500S, 1979 MZ TS150.
Current: 1973 MZ ES250/2 - 18k, 1979 Suzuki TS185ER - 10k, 1981 Honda CX500B - 91k, 1987 MZ ETZ250 - 40k, 1989 MZ ETZ251 - 52k.

[clancy]

fair enough, but they MAY not pay out
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KLX 300r