Short term insurance?

Tierbirdy · Crazy Courier Joined: 25 Jun 2014 Karma :

Hello all! Its been a while since I last posted here.

Im back with avengance, or more accurately a full bike licence after passing my DAS last week first time! Very Happy

Ive found and bought a lovely Fazer 600, but the problem is my current insurance company wont insure me on anything bigger than a 125 until I send them proof of my full licence, apparently an email with a scan of my Cat A pass certificate wasnt good enough, so I have to wait for the DVLA to post me my new licence, and then post that to them. Needless to say this process is probably going to take weeks because insurance companies are a pain in the ass and dragging their heels.

I cant live with being on a 125 any longer, the honeymoon phase is well and truly dead, I want my Fazer and I want it now Twisted Evil

At first I thought I was in luck, eBike offer a monthly rolling insurance! Perfect! Insure it with them for a month, until my current insurers sort their act out, then go back to them. Simples.

Except eBike apparently no longer offer the monthly contract one, and I cant find anywhere that offers anything similar or any kind of short term insurance for bikes, the latest government fuckery messing up fair weather bikers and requiring SORN'd bikes to still be insured (or something like that, I dont quite understand it myself) seems to have all but killed the niche market of short term bike insurance.

The only other option I can see is to take out a brand new policy with a different company who wont ask for proof of my full licence, then either cancel it when I can switch back to my current insurers, or stick with them and cancel my current insurance. Either one is going to accrue a ballache of cancellation charges though, and if I leave my current insurers Im about 7 months into my next years no claims bonus which I dont really want to lose either Sad

The only one I found that offers fixed short term insurance was Bikesure, who quoted me at £188 (not a typo!) for a months insurance Shocked

Im not quite THAT desperate...

Anyone been in this situation and got any suggestions for a workaround?

I mean I could just stay on my 125 for another month or so whilst waiting for all this bureaucratic bollocks to sort itself out, but I really REALLY dont want to. (as Im sure anyone whos gone from a 125 for a "big" bike will understand Mr. Green

)

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Just how much are your current insurer going to charge for the rest of the year. Compared to taking out a whole new policy?
Might be worth losing that 7 months NCD.

Just which broker are you using?
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Just because my bike was A DIVVY, does not mean i am......

rubyhorse2 · Traffic Copper Joined: 03 Mar 2015 Karma :

as above, work out whether its worth losing any months NCB if taking on a new policy.

Also, what insurers are asking for this? Cant remember ever being asked for mine before. Surely its down to you to tick the box to say all info is correct on the insurance form.

Baffler186 · World Chat Champion Joined: 31 May 2013 Karma :

The way it went for me:

Cancel policy on 125 (£25 charge, £60 cancellation fee, I got about £23 refunded).

Comparison site for cheapest policy on your Fazer. Buy online. If they ask for proof, phone them, explain that license is still with DVLA and offer to send certificate. If they have any queries they can check with DVLA. They gave me 2 weeks grace to send license photocopy in. IIRC I then asked them to confirm who exactly I send license photocopy to, they replied to say don't bother now.

They might not even ask for your license, some of mine in the past haven't.
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Current: 2009 SV650 S, 1990 Kawasaki GT550
Previous: 2009 CBF125, 1998 GSF600, 2004 FZ6 Fazer, 1978 CB400a Hondamatic

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Tierbirdy · Crazy Courier Joined: 25 Jun 2014 Karma :

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

MCN · Super Spammer Joined: 22 Jul 2015 Karma :

I have been asked by several companies for licence proof.

Generally only asked if I jump ship to another outfit.

In the words of T. Jones, "It's Not unusual boyo".
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

Tierbirdy · Crazy Courier Joined: 25 Jun 2014 Karma :

So, update! Typically as soon as I took out a new policy and phoned my current insurers, they changed their mind when I threatened to cancel my policy, turns out they WILL accept my pass certificate as proof of my licence rather than wait weeks for the DVLA.

So now Ive had to cancel my new policy (thanks EU for introducing 14 day right to cancel periods <3 ) and gone back to my old insurer because theyre £1 more expensive per month, but I wont lose my NCB and they also offered pillion passenger cover and can ride any bike including other people's on my policy.

Fazer is now sat on my driveway! Very Happy

Bringing her home was the most fun Ive ever had on 2 wheels, absolutely dumps all over the ER6 I was learning on!

Lesson learnt: getting angry (in a polite way) at people over the phone sorts most problems because the customer is always right! (apparently!) Razz

Marclev · Nova Slayer Joined: 27 Jul 2015 Karma :

Tierbirdy · Crazy Courier Joined: 25 Jun 2014 Karma :

wr6133 · World Chat Champion Joined: 31 Dec 2013 Karma :

Tierbirdy · Crazy Courier Joined: 25 Jun 2014 Karma :

Kidjal · Nitrous Nuisance Joined: 20 Sep 2015 Karma :

I insured my triple before I passed my mod 2, Arriva (via Carole Nash, who will be getting binned by renewal time,) gave me 30 days to pass or they said I would need to cancel the policy, pay it off and take out another. Put a bit of undue pressure on me, wouldn't recommend it.

However, all is well. If slightly pricey.
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Still going strong - Triumph Street Triple '08

Mr. Green