"would you like to include a voluntary excess"

[trevor saxe-coburg-gotha]

When obtaining bike insurance quotes what do you say when asked this question? It seems self-defeating to me, but hey. I'm both cynical and mean. Oh and somewhat ignorant of bureaucratic bullshit surrounding small - and a lot of large - print around policies.

E.g. the answer "My bike is worth two thousand ponds and I would like to include a voluntary excess of two thousand ponds please" seems erm well, wrong. Why would you say you'd like to include any excess? I don't get it. Could you bring your quote right down, and then take the gamble that you would never claim?
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"Life is a sexually transmitted disease and the mortality rate is one hundred percent."

Mobylette Type 50 ---> Raleigh Grifter ---> Neval Minsk 125

[Wonko The Sane]

yeh, it can lower a quote as you're less likely to claim for a small bump or dropping the bike and scraping it a bit and replacing a mirror as it's less than the excess

it makes naff all difference to me now I'm 30+ and been riding 3 years on an aging ZZR
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[ScaredyCat]

[trevor saxe-coburg-gotha]

Yeh same here.
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"Life is a sexually transmitted disease and the mortality rate is one hundred percent."

Mobylette Type 50 ---> Raleigh Grifter ---> Neval Minsk 125

[anthony_r6]

I agree with ScaredyCat - I've tried messing with the voluntary excess to bring down the overall insurance costs, but the effects are negligible, even up to £750, which is on top of the mandatory excess anyway.
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[Joncrete Cungle]

I had a gander at the small print on one of my renewal quotes. Additional excess if bike is stolen from within 500 meters of my house 500 ponds, compulsory excess 100 ponds, voluntary excess 100 ponds. So in a worst case scenario I am down 700 ponds and have no bike.

[Rogerborg]

On a policy on which I never intend to claim for fire/theft, either £0 or £max iff it saves more than a few £££.

On a policy on which I might claim (only the Nazi Tractor so far), £0.
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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

[bikertomm]

Say no. Get quote.

Amend to £100 voluntary. Get quote.

Make your own judgement, bearing in mind involuntary excess's.
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[monkeybiker]

[Teflon-Mike]

My insurance is like £100 a year.... it's not going to save me much really, is it?
Daughter's, likely to be £500+ when I have to get it before her CBT in a few months.. possibly.
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[Val]

Yes adding £250 voluntary excess has lowered my premium with £100 per year.
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Yamaha Fazer FZS 600, MT09, XSR 900

[-Matt-]

Always said no so far due to it making barely any difference. Pretty much assume its pointless to even consider; although I do keep checking how it works out adding it on every year regardless.

But then.

[Polarbear]

Makes very little difference to mine. There again, neither does pillion, mileage or security.

Maybe because I'm an old fart.
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