Insurance stuffs

BillyJ · Nearly there... Joined: 07 Jan 2013 Karma :

I have 3 bikes I want to insure for this year, I would have 4 years NCB when current insurance lapses but I'm am currently involved in a pending claim which means I only have 1 year to spend for the time being.

Here are the best quotes for my bikes...any advice on how I can make it cheaper, or a smart way to still have 3 bikes?

Forgot to mention, I can't be quoted on any multibike policy I have tried...

https://i.imgur.com/pv9Qsn2.png
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Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

I had to double check where the decimal places where. Shocked

lihp · World Chat Champion Joined: 22 Sep 2010 Karma :

Get a quote for 4 years NCB with no accident.

Then send the difference to the solicitors for your claim also Thumbs Up

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covent.gardens: lihp is my most favourite member ever

Matt B · World Chat Champion Joined: 01 May 2012 Karma :

BillyJ · Nearly there... Joined: 07 Jan 2013 Karma :

davebike · World Chat Champion Joined: 15 Nov 2013 Karma :

Shit that comp cover is nearly as much as my traders policy !!
____________________
Dave
NC750Xdct + others at work !
davebike1@gmail.com

BillyJ · Nearly there... Joined: 07 Jan 2013 Karma :

Just for jokes, here is the Ebike quote for the Ducati....
https://i.imgur.com/PwW2KRS.png
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

Joncrete Cungle · World Chat Champion Joined: 31 Jan 2012 Karma :

Can you SORN the Ducati & Bandit and keep them in someones garage, preferably outside London and chained together? Then get muchos creative with quotes for the two fiddy. Wink

Set up a new 'profile' for comparison sites with a different name, address in your postcode, different DOB but making you the same age and with the same NCB / points etc. Same bike but don't put the reg number in, select make, model and year and very similar date you acquired it on. Is there another honest way to describe your occupation and/or the sector you work in?

Do not run loads of 'different' quotes / scenarios using your own actual personal details. Wink

Albigularis · World Chat Champion Joined: 27 Jun 2014 Karma :

sabian92 · World Chat Champion Joined: 21 Oct 2012 Karma :

Where do you live, Crimea? Syria? Laughing

I can get insurance on a brand new R3 for 500 quid a year fully comp with having a had an A2 licence for a month and 1 year of NCB at 22. I don't have a licence but still, you have a look about and stuff don't you?

Yer gettin' mugged. That's ridiculous.

BillyJ · Nearly there... Joined: 07 Jan 2013 Karma :

sabian92 · World Chat Champion Joined: 21 Oct 2012 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

That is about the levels when you start to think "You know, if a bit were to snap off the number plate and render it unreadable..." or "I see foreign plates around here all the time".

BillyJ · Nearly there... Joined: 07 Jan 2013 Karma :

Just tried that... interesting but not helpful results

The Ducati stayed the same price when I added:
No security
Up to 15000 Miles a year
Left on the road outside
____________________
Had: '06 CBR125R + '01 GSF600 + '07 SPRINT ST 1050 + '80 CB250 RSA + '93 Ducati 900SS
Have: '13 GSXR-1000 + '01 CB500S
"The aryan confuser"

bamt · World Chat Champion Joined: 14 Dec 2013 Karma :

I suspect that the Ducati price stayed the same because they just expect to pay out for it regardless of what you do for security or mileage Smile

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

nelmo · Scooby Slapper Joined: 05 Dec 2013 Karma :

Are you really going to do 15k miles in a year on the Duke when it's one of 3 bikes? And why have 3 bikes in London? And you keep them all on the street? No wonder the quotes are so high.

Whack those excesses up - they make a big difference.
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Bike history: Suzuki GSXF600, BMW F650, Honda Varadero, Suzuki V-Strom, Kawasaki Versys
Current: Honda NC700X

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Alpineandy · World Chat Champion Joined: 18 Mar 2015 Karma :

Robby · Dirty Old Man Joined: 16 May 2002 Karma :

Try adding me as a second rider on a policy and see if it brings the price down. It works for my car insurance - adding my wife, who costs more to insure than me, knocks a chunk off the policy.

Pete. · Super Spammer Joined: 22 Aug 2006 Karma :

nelmo · Scooby Slapper Joined: 05 Dec 2013 Karma :

struan80 · World Chat Champion Joined: 04 Nov 2014 Karma :

My goodness me! Shocked

That is crazy, get quotes with varying excesses as already mentioned that will help. Parent ride?

Put my daughter on my wifes car insurance a few years ago when she passed her test at 17 and that was £1600, I had kittens but promised her if she passed her exams i'd do it. She's no longer on our insurance or ever will be again after she wrote the car off into back of an X5, but that's another story Smile

BillyJ · Nearly there... Joined: 07 Jan 2013 Karma :

Robby · Dirty Old Man Joined: 16 May 2002 Karma :

Well, you've got until May. Hassle the insurance companies to settle the claim, they do move a bit faster when you call them frequently.

Also, if they don't settle it, add the difference in your insurance price to the amount you're claiming for while your NCB is suspended.