Can you haggle with insurance companies?

[Fifteen15]

It probably sounds like a daft question, but tomorrow I will be phoning up insurance companies to insure my first bike and tbh I have no idea how to go about it. Do you haggle with them as you would in a shop? Should I phone up the companies that say "We don't insure bikes with mods" or would it be a waste of time? My bike has the usual mods, can, tail tidy, mini indicators, fender extender and double bubble screen. It is also restricted to 33bhp, could this bring the premium down a bit?

Any advice would be appreciated. Thanks
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"Pain is weakness leaving the body, and blood makes the grass grow faster...but I'll wear my gear anyway"

[Hockeystorm65]

Yes you can. Tell them you have had lower quotes, and throw in some differences to the quote that you might want...lower excess, breakdown cover etc...but more than anything else shop around and keep away from placws like Money Superripoffeveryoneundertheageof40market.com etc. Start with the companies in the back of bike magazines etc and go from there.

Good luck and don't accept anything until you have reached the strage where everyone is quoting higher no matter what you change....
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Good judgement comes from experience.....experience comes from bad judgement!

[MaybeGuy]

I just renewed mine. It was a good conversation.
''Your renewal will be £61 a month''
''That's more than i'm paying now, with an extra NCB year''
''Yes, but we didn't make any adjustments from when you swapped bikes''
''Yes you did''
''oh, ok''
''I'm paying £40 a month now, and I'm not paying a penny over £30 a month''
''The best we can do is £35 a month''
''I'll look elsewhere then''
''Hold, I'll have a word''

pause... shit music...

''We can go as low as possible, and get you insured for £30.39 a month''

''Sorry, still over £30 a month... I'll look elsewhere''

Phone down, carry on whatever I was doing.

Phone rings

''Hi, we want your custom, and can insure you for £29.94 a month''

Basically, name your price as long as it's within reason, and they will crack.
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[tatters]

[Fifteen15]

^ Thanks, I guess that's what I'll be doing. So shall I also ring up companies such as Carol Nash and Aviva that say they won't accept mods? Even though my bike has a can, tail tidy, mini indicators etc. And are they English call centers?
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"Pain is weakness leaving the body, and blood makes the grass grow faster...but I'll wear my gear anyway"

[pinkyfloyd]

Thing that pisses me off about insurance companies is:

We pay our hard earned pennies to the leeches so we get some back if we have an accident. Now I have been riding on and off for the guts of 18 years or so with the last 4 years solid riding and I have never had an accident.

Now I have also worked and paid my taxes, If I pay too much tax the taxman gives me money back. Surely the Insurance should be ran the same way. While no claims is a good incentive not to claim, I can pretty much be sure that the money I have saved with my no claims goes no where near covering what I have paid over the years in insurance prices.

A better plan would be, if you dont have an accident you get money returned. No claims? Stick them up your arse. I'm every bit as likely to have an accident tomorrow as I was 10 years ago. These things happen. But a refund for not having an accident would be nice.
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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.

[Rogerborg]

I hate, hate, hate talking to the lying, deceitful, cloth eared, untrained, gouging incompetent mongs at insurance companies, to the extent that I'd rather just go with the lowest price comparison result than waste one second of my life trying to get a cheaper phone price on an inevitably mis-sold policy that actually turns out to cover a VW Camper Van garaged in an abandoned Latvian missile silo.
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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

[Howling TerrorOutOfOffice]

Renewel time soon... Already had my current insurance company quote of £207 f/comp for both bikes. Sod that.
Got a list of quotes. £145.

I'll let you know how cheap i can get it.
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Diabolical homemade music Bandcamp and Soundcloud
Singer songwriter, Artist and allround good bloke Listen to Andrew Susan Johnston here
The Harry Turner Project

[ajbsmirnoff]

Insurance time for the cars has come around, and haggling this year has been scuppered by wife. She has racked up 2 no fault, and 1 fault claim in the last 2 years. Do I regret having her as a named driver ? Maybe.

Otherwise haggle as if your life and wallet depends on it.

[Teflon-Mike]

[neil.]

Didn't budge in my case either... I found a cheaper quote at renewal than what the company I was with had offered, much cheaper.

Me: "Hi, I received a renewal notice and I'd like to stay with you as my insurers, but I've found a quote that's £90 for the year as opposed to the£150 you've quoted, can you match it?"

Them: "Sorry sir, that's the best we can do..."

Me: "Okay, thankyou for your time, I'll go with the other quote then in that case."

Them: "Fair enough, goodbye."

*click*

Doesn't hurt to try though. The funny thing is for 125's it's usually the same underwriter across the board (Equity Red Star), so why is there so much variation in quotes from the different brokers who are effectively selling the same thing?

[pinkyfloyd]

When it came to renewing mine I got a better quote elsewhere too. Informed the current insurance company. They reduced their cover by about £30 but it was still £25 more than I was quoted. They wouldnt match it so I went elsewhere.
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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.

[MaybeGuy]

Difference being this is my 3rd year with swinton now, maybe a contributing factor
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Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[Howling TerrorOutOfOffice]

Sneaky toads motorcycle direct..

Got a better price albeit by £5. Lots of 'I just need to check' ..And.... '.Are you sure you don't want Breakdown? What would you do if you had a puncture?'

I have a repair kit.....Pause.

£140 all in for both bkes.
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Diabolical homemade music Bandcamp and Soundcloud
Singer songwriter, Artist and allround good bloke Listen to Andrew Susan Johnston here
The Harry Turner Project

[Fifteen15]

Spent hours trying to find the cheapest quotes online. The cheapest I could get was £813, so I rang up that company asking for a quote. I gave them all my details etc and they gave me a quote of £633! I asked the girl to run through the details twice because I was convinced there was something she missed out. I asked if she could bring it down anyway, in which she said no lol, worth a try though. Ended up paying almost £200 less than what I was expecting, so very happy
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"Pain is weakness leaving the body, and blood makes the grass grow faster...but I'll wear my gear anyway"