Adding commuting to insurance

[rac3r]

My insurance company rang about key cover or something so I thought I'd ask how much extra it would be to add commuting and they said......£200!!! I can understand business use or something but and extra £200 just for commuting is ridiculous

I also asked if my policy included riding other bikes....you have to be 25

(my brool story co of the day)
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[N cee thirty]

just to rub it in, i got riding other bikes and commuting for free on my policy via wicked quotes/ ramasis at 19.
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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

[JP7]

Very odd, I don't think I've ever been charged extra for commuting... I shall go and review a recent quote to see if it makes a difference.

[rac3r]

I already have the policy with them and was thinking of adding it on. Maybe if you run it as a quote it doesn't come up as extra??

I'm with Kwik Fit (express insurance). I just renewed with them as other quotes were not far off, had ridiculous excess and obviously I'd have to pay the deposit
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[EazyDuz]

[Thunderchild]

I was with WickedQuotes, thought they were great at first - £580 full comp incl. commuting gear cover etc. on my Street Triple (23y/o with 3 years NCD). This year however my renewal came through, £890 with £650 excess !! Apparently having another years NCD makes no odds, they've re-run the risks on some bikes and deem the Street Triple too much for a 24 y/o, hence stupid quote.

I've gone elsewhere for £520, though the excess is still £650 (tried 11 companies, all wanted £650 excess minimum, most I've ever paid in the past is £250).

Edit: - Sorry to hi-jack the thread somewhat, just needed to vent about twatish insurance companies...

[Wonko The Sane]

[anthony_r6]

just-motorcycleinsurance.com were by far the cheapest insurer for me after I ended up lumbered with a 20k claim last year. Half the price of the other guys such as gocompre, etc. Might be worth checking them out.
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Ted : "Maybe he's agoraphobic."
Dougal : "Jack scared of fighting? I don't think so, Ted."

[rac3r]

With regards to high excess, I have excess cover which costs a bit extra but it means they pretty much pay the excess for you if that makes sense
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[J.M.]

[Polarbear]

MCE have consistently been the cheapest for me. That's not a commendation, just a comment.
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Triumph Trophy Launch Edition

[Paulington]

I am with the Ramasis Insurance camp here, been with them for four years now on different bikes and they are fantastic. Have had ride other bikes on my policy since I was 17. !

They are very, very cheap in my experience and they add ride other bikes for what amounted to <5% of my total premium on each bike. This combined with the fact that when I called to do my renewal he worked my insurance coverage to give me the exact same cover for like £55 less than my renewal which was great already (not marked up with the loyalty discount) really sets them apart in my opinion.

If you google "Ramasis Insurance" go to their website and do a quote on there with ride other bikes and see what it comes out as, it may well be very cheap compared to your current/next policy and worth checking. An extra £200 just for adding commuting seems mad, depending on what your policy cost you originally of course but insurance, law unto themselves, etc.

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.

[GrantT]

Jesus! Makes me glad I'm old.

£122.58 this year with H&R for TPFT inc. commuting on an '06 Speed Four with 1 yr NCB at age 30.

That's less than half of last years.

[Shinigami]

Lol, just did a quote through wicked insurance with 2 years no claims for the hornet 600...

£985 lmao like fook, i'm 31 and live in a very quiet area with very little crime,

Current insurance is £150 fully comp
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Current: Honda City Fly CLR125 2003 Honda CB600F Hornet 2008 Yamaha FZ6 S2 + 1991 Kawasaki GPZ500
"Once you realize what a joke everything is, being the Comedian is the only thing that makes sense.

[Polarbear]

Rasmesis, Hmm, just did a quote for my explorer. Cheapest £281.62 with £400 excess. The next with no excess is £471.

I can get way cheaper than that.
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Triumph Trophy Launch Edition

[Moo.]

[mikester]

to be fair you should have done quotes in the first instance with commuting on as you know at somepoint you'll be itching to beat the traffic in your daily grind.

everyone knows how insurance companies work, they'll try and get out of aything so if you crash going to work you're stuffed.

if it's any consolation I made the mistake/though i was being sensible and mentioned to my car insurer once that i was driving to uni and they said that they'd have to amend my policy to a business policy as driving to work and driving to uni classes as two places of work. annoying bt fortunate really cos I wrote my car off that year driving to uni

[DrSnoosnoo]

I'm due to renew in May and been looking for insurance quotes.

I've had my licence and bike a year now. first year on a ZZR600 was £550 social only.

Now it will be garaged at the missus' mums house honest (if it gets nicked I'm not claiming anyway) and for SDP and commuting I can get it for £224. Better than half price this year with Swinton ... I'm gonna do a search and read millions of horror storys for them
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I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[rac3r]

[P.addy]

Never said I commute on mine. They want excessive amounts and I only really use the Varadero to commute, multibike policy ramps the price up somewhat stupidly.

[SQL]

I don't commute.

I just see my friends. At work

[rac3r]

Ramasis = £2246 TPFT LOL (2 NCB and clean)
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[Shinigami]

[Walloper]