insurance please help

phill.c · Traffic Copper Joined: 13 May 2004 Karma :

im pickin up a rvf400 next saturday and i need to insure it, i have also got a mtx125 which i want ot insure for going to work and back and bad wether, so i can keep the rvf in mint condition.

i am 18 with nearly 2 years no claims, does anybody know which is the cheapest way a could do it i.e fully comp on the rvf and can ride any other bike TPFT or maybe a 2bike policy?

thanks for any info Thumbs Up

dainesefreak · World Chat Champion Joined: 04 Apr 2003 Karma :

PM Danny.

Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

You can get policies which cover you TPO on other bikes, and the other bikes have to be owned by someone else and 99% of policies which offer that state that to be covered TPO on other bikes the other bikes have to be insured by someone else, to stop you just getting bikes and putting them in other peoples names and riding them under your one policy.

A few places will do 2 bike policies but it's best to insure them seperatly as that way you have two strings of NCB so if you have to claim on one you've still got the other to use.

So basically get two seperate policies.

nc30 chick · Traffic Copper Joined: 13 Jul 2004 Karma :

I thought if you insured one bike you could only ride another 3rd party, it wont be fire and theft because the bike wont be insured.
Feel free to correct me if im wrong.
As for 2 bike policies, i dont know of anywhere that would do them.

Oops, took me 10 minutes to write this Embarassed

Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

'Ride any other bike' stuff only applies to bikes you don't own. Otherwise we'd all be insuring C50s and riding Gixer Thous.

I'd use the 2 years on the RVF and start afresh on the 125, that way you can build up another stream of NCB which could be useful down the line. But then, I'm not 18.

Going2fast · World Chat Champion Joined: 30 Jun 2004 Karma :

Nice bike

Also insurance is different for us all, everything needs to be taken into consideration e.g. where you live? etc.

Go buy bike trader and flick to the back and ring every company listed for insurance, just play them off each other. Thumbs Up

Andy
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