Insurance - WTF

[Northern Monkey]

Just sorting out insurance for the Enfield for this year.

Got a quote from Bennetts for £106.83 including a £250 excess, which didn't seem so bad.

I just thought I'd check how much the cost goes up if I decrease the excess. If I set the excess to £100, the cost goes to £93.38. Is there just a random number generator ran by a hamster at the Bennetts HQ?
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Fisty: after polishing the tank with the glistenng beads of sweat from my full hot scrotum, I filled the headrace bearings with 10cc of my manmilk

[andym]

[Ste]

Statistically those who can afford to reduce their excess are less of a liability then those who realistically have to put the excess up because their policy is so expensive?

[Baffler186]

Out of interest, what exclusions are there and how does it affect your excess? My quote was made cheaper by declaring I didn't use any security. However, there was no option to declare where the bike was stored whilst at work. The small print now states that if its nicked from anywhere except my locked garage, the excess doubles.
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Current: 2009 SV650 S, 1990 Kawasaki GT550
Previous: 2009 CBF125, 1998 GSF600, 2004 FZ6 Fazer, 1978 CB400a Hondamatic

[Rogerborg]

[DrSnoosnoo]

[Dave70]

I just got one quote for the ER 6F fully comp for only £10,004.

Two different comparison sites completed with the same details gave up over £100 difference to insure with the same company.
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There ain't no devil, there's just god when he's drunk.

2012: R125 killed by white van. 2016 R125 killed by 30,000 miles of redline. Current: 2016 Kawasaki ER6f.

[M.C]

Interesting, although those w&nkers at MCE are normally cheapest for me (by a long way), with a grand excess or something stupid.

[Fizzer Thou]

Carole Nash put up a slightly more expensive quote when I went on-line to see if I could make the renewal cheaper for the XR and the KTM.But no matter what I changed it came out £6 over.

The last page of the on-line quote came up with the option to change the excess from the £100 I had specified,so I tried £50 and clicked on 'recalculate',only for the quote to not change.So then I tried £0,no difference and then the opposite,by selecting £1000 excess.But again,no difference in the quote.

Go figure
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Just talk bikes.What else is there?

Always have a 'Plan B'

[Ste]

With home insurance a couple of years ago I discovered that increasing the total value of contents to be insured reduced the quote until going slightly over £100k.

[M.C]

Just had a go at playing around with the excess, made no difference for me , just filtered out some quotes.

MCE are still the cheapest, not much in it with TP F&T, but TPO they're £60 cheaper (£208). I hate MCE with a passion, but if I keep the MT-03 it might have to be them

[gorillaonabik...]

Have you tried fully comp? I went fully comp last year cos cheaper than TPFT.

Hamster maths.
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FZR400 (blown engine), ZXR750 (blown engine), ZX6R (accident), CBR600 which had engine issues after which I learned to change gear..., CBR900, CBR924 (stolen), CB600, CB1300 (everything blew up), BMW K1300GT (written off, hit from rear while stationary), Bandit 1250 for a couple of months, Triumph Sprint ST 1050 (nicked) and somewhere in there, I wrote off a Ducati 748 at Cadwell.

[R1stu]

Just insurance the pan and diversion with Bennetts. £30 is difference for same company on confused and meerkats. But their list is crap. I was two days from having my policy cancelled as only recieved a letter dated 20th March yesterday.
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Carbon closet tart! https://www.bikepics.com/members/r6stuk/02r6/
Stolen bike. 2000 R1: https://www.bikepics.com/members/r6stuk/00r1/
Current bike 1991 Honda ST1100 Pan European, 1986 Honda cb350sg (Finished)