Don't you just hate insurance companies

[Tomzo47]

Rang up today to see how much it would cost to change my policy to a bandit, they can't because the largest bike I can have on my policy is a 125 (which they failed to mention when I took out the policy) . This means if i want to insure a bigger bike, I lose 7 months no claims. Surely this is just a scam meaning that when somebody buys a 125 and passes their tests, to have a bigger bike they have to cancel their insurance (pay for that) then take out a new policy for - wait for it - £2000 TPO. So Lexham to you. Plus they tried to charge me £30 for pillion cover when my YBR is barely big enough for me. Rant over.
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Ybr 125 > Bandit 650SA > GSXR 600 > Triumph Sprint St1050 > CB1300 > Z1000SX + FJ1200 (written off) > VFR750 >FJ1200

[P.addy]

Lexham only insure 50>125. You bought the cheapest 125 insurer so... yea.

Its the underwriters usually..not the actual insurer. Needless to say my experience with Lexham was fantastic. 125 insurance is very cheap even with multiple riders, claims and lack of security devices

Keep 125 for a while, get your full year then upgrade

[Tomzo47]

that's what I was going to do, until one of my mates offered to buy my bike for £1800, which is about £500 more than if I traded in
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Ybr 125 > Bandit 650SA > GSXR 600 > Triumph Sprint St1050 > CB1300 > Z1000SX + FJ1200 (written off) > VFR750 >FJ1200

[arry]

[MG]

[Paulington]

This happened to me when I passed my test. It seems that a lot of insurance companies are doing what they call "Scooter policies" now which are basically any bikes <=125cc. This means, as you said, anyone who passes their test with their 125cc can't change to a bike above 125cc without buying a whole new policy.

Maybe it's a tactic to delay them from getting their first year of no claims bonus and implicitly delaying their first major insurance discount? Anything to make some more money I guess.

Do what I did, just let your policy run out. I sold my 125cc and got a Thundercat but never informed my insurance company, so a few months later I got a letter with my first year of no claims bonus. . It is crafty, I do agree with you there.

Cheers! !
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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.

[Poseidon]

It's not a problem isolated to smaller capacity bikes. I rang up my insurers to switch the policy from the 750cc triumph to the 900cc ZX9r. They said my current underwriters (equity redstar through bikesure) wouldn't insure the new bike as the insurance group is too high. I said if they wont change it I'll cancel the old policy and take a new a new policy elsewhere, they (bikesure) said there was nothing they could do. I did a comparison check and bikesure came up as the cheapest again, so I rang them back and asked them about the new policy, everything seemed okay until the call centre dude told me who the underwriters are... yup, you guessed it... equity redstar! I immediately enquired how this could be, as I'd already been told I couldn't insure the kwak with them on my old policy. He went off, spoke to his manager and came back to inform me that the policy scheme (scam? ) on this policy and my old one is different, so whilst I could not do a straight swap from one bike to the next, I could still take out the new policy with the old underwriters. They did knock 10% off the policy for me and waive all the admin fees, which was nice of them .

I hate insurance. It's an annual bum raping.
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1977 Honda CG125
2002 Ducati Monster S4 (currently restoring)

[Recluso]

Cancelling mine with Lexham tomorrow.

£35 admin to get deleted off the system plus losing the initial £60 admin deposit I had to pay. Bit of a joke really.
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'Just erotic. Nothing kinky. It's the difference between using a feather and using a chicken.'
Honda PS125i > Yamaha YBR125 > Yamaha XJ6 Diversion > Yamaha Tracer 900

[Rogerborg]

Have any of you considered cutting out the broker and their usurious admin fees and instructing the underwriter directly? They're the one providing the cover to you.

arry, any thoughts on that?
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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

[Tomzo47]

[arry]

[Rogerborg]

[Shaane]

No help to you at all but I just insured my 636 fully comp as a 20 year old for £300
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EMRA Roadstock #92 - Paperwork Permitted.
Previous: 1992 DT125R
Current: ~ 2005 ZX6R C1H

[iooi]

[Scythe]

[Fowlersrs]

[Redoko]

I thought Lexham were a broker?

Had them with my ped and 125.
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"Let's face it, this is not the worst thing you've caught me doing."
Sudika Sportsman SK50QT > Gilera DNA50 > Honda CBR125 RW7 > Kawasaki Zephyr750 > Suzuki GSXR600 > Honda Hornet CB600F '51

[arry]

[flat eric]

I had a similar problem a year ago, when i wanted to renew my insurance but change it to fully comp for the next year of insurance a month earlier than on the 12 month anniversary. They said that i couldn't change the inurance to fully comp for just one month, as the insurance company didn't do fully comp insurance. Uh. I'd have to wait a month. But i didn't want to take the chance of it being knicked for that 1 month, as it was a high value bike. So lost a years no claims, because they wouldn't/couldn't change the policy. Well pissed off.
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There is always someone worse off than you !

[arry]

[scream aim fire]