Temporary Insurance (ideally Free) ?

[Spy]

Hi all,

I am looking at buying a used bike. I am going to see one tomorrow and ideally, if I like it I would want to buy it and ride it away.

As I don't know if I will definitely buy it, I would like to get something like MCN;s free 7 day insurance so I can insure it before I go to see it and drive it away. If I don't buy, I won't have lost anything.

Unfortunately the bike isn't advertised on MCN so does anyone know anywhere else that offers this type of service ?

[Turkish]

So you're looking for free insurance?

Yeah... Let me know if you find somewhere mate, I'd happily take out a policy.

People pay a premium to advertise on MCN, hence they can offer free insurance using their revenue from that business. You aren't going to find anyone offering that for free, are you?

No. Pay up, bitch
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ZX-6R G2
CBR125R RW6

[stinkwheel]

I'll just say that I took out a PAYG policy with evan insurance. It has proven impossible to cancell via their website, their email system is set up to make is as hard as possible to send someone a message and again goes through their website and you can only contact them verbally via a premium rate phone line at £1.05/min.

I landed up sending out a cancellation by post. They have acknowleged receiving my letter but have persisted in sending out cover notes every month. I also cancelled the payments directly but I have a feeling I have not heard the last of this.

I mention this because this company also offers ebike insurance.
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Turkish]

One option, OP, is to get quotations now, with the start date as tomorrow.

Find the best price and everything as normal and then if you like the bike, pull the trigger and take out the policy. You can usually get them to start the policy FROM NOW (whatever time), so it shouldn't be an issue.

You're gonna need a policy anyway, right?

Alternatively, pay the seller a deposit and pick up the next day?

Lots of options mate, you aren't the first person to be in this situation
____________________
ZX-6R G2
CBR125R RW6

[Spy]

Thanks for the replies. I know you can get this type of 7 day insurance for cars etc hence was wondering if anyone else did it. What the insurer gets out of it is a qualified lead/potential customer that may take the full 12 month policy.

[carvell]

[YBR Ric]

Google short term motorbike insurance

one day cover available for those aged 18-75

[Spy]

[map]

Flexrider insurance cannot help you.
From the site

[supZ]

used e-bike for a couple of months when i was keeping my old bike going before i sold it.

easy as pish to sort out (just did it online) and cancelling it was just a button click.
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CBR954RR - Daily toy
CBR600RR - Trackbike

[stinkwheel]

[Rogerborg]

[Irn-Bru]

I thought you could get a refund before 14 days with any insurer these days? Either way, you could buy a full policy and just cancel it as soon as you need to... say the bike was not what you expected and had to be returned to the seller etc. should imagine that'd take care of the cancellation fees if they try to charge you. I got Bennetts to waive the fees once by saying I was going to come back to them anyway when I got my new bike
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KTM 990 SMT & Suzuki DR-Z 400 SM

[supZ]

[map]

[Rogerborg]

The distinction is between "setup" and "cancellation" charges.

Within 14 days, the most that they're allowed to charge by statute is the reasonable cost of setting up the policy, plus a pro-rata daily rate for the amount of cover from which you benefited. If they're doing everything electronically, I'd imagine that the actual cost is pennies, but £25 isn't massively unreasonable.

Do watch out though, some insurers quite openly in the small print quote "cancellation" fees within 14 days. I assume that they're going on the basis that we can contractually agree to waive our statutory rights. Or, they just don't care.

After 14 days, all bets are off, and they could refund you £0 on the cover and slap you with any cancellation fee that hey want. It'd then come down to whether the contract itself was unreasonable.
____________________
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

[Spy]

Thanks for all the replies.

I have now decided to take a different approach.

I have taken a few quotes for a 12 month policy and selected the one that best suits me. I am armed with all the details and will just phone them up when I have bought the bike to start the cover and then drive it away.

[Rogerborg]

Might as well, if you're keeping it.
____________________
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

[tom_m]

have you not got any mates with a riders policy on their insurance? they could ride it home for you, and be covered third party only (aslong as the motorcycle isnt owned by them and is insured by somebody else).

ive done this whilst buying cars before, you just got to make sure the seller is still insured on the bike beforehand
____________________
Current: 2005 Kawasaki Er-5 C5P
Past: 2012 Yamaha Ybr 125, 2004 Yamaha Neos 50, 1994 Suzuki Gn 125, 2005 Aprilia Sportcity 125, 1988 Yamaha Tzr 125
Theory: Passed... Mod 1: Passed 22/08/12 Mod 2: Passed 22/10/12