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Bike Insurance for Dummies

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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 15:17 - 18 Dec 2015    Post subject: Reply with quote

Nope. They operate a closed cartel, there's no regulatory framework concerning NCB of which I'm aware, and no way to force them to accept anything.

By the way, enjoy the spam that you'll get to any email address that you've given to those spamming scum at Motorcycle Direct.
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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
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Boom_meringue
Two Stroke Sniffer



Joined: 07 Oct 2015
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PostPosted: 16:35 - 18 Dec 2015    Post subject: Reply with quote

Rogerborg wrote:
Nope. They operate a closed cartel, there's no regulatory framework concerning NCB of which I'm aware, and no way to force them to accept anything.

By the way, enjoy the spam that you'll get to any email address that you've given to those spamming scum at Motorcycle Direct.


irony alert - I just got a call from their customer disservice dept trying to sell me extra options on my policy, I made it clear that they weren't going to get another penny of my hard earned and that they wouldn't be getting my business at all come renewal time.
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Alawson68
Renault 5 Driver



Joined: 26 Jan 2013
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PostPosted: 17:21 - 20 Mar 2016    Post subject: Reply with quote

Carole Nash decided to send a renewal in for 406.00 for my 2015 ktm. And 1968 Vespa. I called and mentioned that it was a slight increase from last year's 255.00 at which point they instantly dropped it to 259.00. They must think we are stupid
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 20:48 - 20 Mar 2016    Post subject: Reply with quote

Not so much stupid, just lazy.
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Biking is 1/20th as dangerous as horse riding.
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
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NJD
World Chat Champion



Joined: 11 Mar 2015
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PostPosted: 21:12 - 20 Mar 2016    Post subject: Reply with quote

And in bully's special prize...





















A price comparison website.
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ackack
Nova Slayer



Joined: 27 Apr 2016
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PostPosted: 22:20 - 17 May 2016    Post subject: Reply with quote

My renewal is coming up and compare the market (free toys and stuff)
got me a quote for 107 with MCE but with a higher excess than I would normally like 575 I think it was, phoned a couple of places Carol Nash and their sister no frills company to be offered 330 and 237 and they seem genuinely shocked when I decline their offer despite me saying my cut off point is 140.
And it took 52 minutes of my time and they rang again tonight to see if they could beat it Rolling Eyes

I'm going to try and haggle my excess down with MCE but bloody hell this phoning for a quote lark is more of a pain than it was 10+ years ago.
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kaintxu
Two Stroke Sniffer



Joined: 14 Jun 2016
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PostPosted: 23:10 - 19 Jun 2016    Post subject: Reply with quote

Hi All,

Thinking of purchasing a new motorbike as I have mentioned in other posts, and Ive been looking at insurances and its crazy. The bike Im thinking of is a Yamaha Tracer 900 or Tracer 700

Some of the info they ask for:
- 2 and a half years in the UK
- Not had a motorbike, so that a 0 year no claim bonus .
- Will be parked in an underground parking (New block of flats with private parking for the residents (is this called garaged or is it something else?)
- Had a fine and a couple of points given in Feb 2014 when I moved over to Glasgow for using the mobile as a GPS while driving because I was lost.
- No accident.
- Yamaha YISS and looking into a Pragmasis 16mm

Many companies such as Bennets tell me I can not be insured. I have a 800 premium with a 500 excess with Just Motorcycle Insurance with Aviva.

Any foreigner in the same situation as me? How did you manage to get a bike insured with all this issues?

Paying that much money for an insurance almost doubles the price of the motorbike, Is this normal?

Thanks,
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T1Cybernetic
Nitrous Nuisance



Joined: 08 Jul 2006
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PostPosted: 17:18 - 22 Jul 2016    Post subject: Reply with quote

Don't we all Very Happy

I've been doing a ton of quotes and looking at buying a Thundercat but for a newly passed rider it's bloody ridiculous how much some places charge compared to others.

An I already sold my kidneys for the car insurance Razz
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KRM
Two Stroke Sniffer



Joined: 28 Aug 2016
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PostPosted: 16:41 - 16 Sep 2016    Post subject: Reply with quote

kaintxu wrote:

- Will be parked in an underground parking (New block of flats with private parking for the residents (is this called garaged or is it something else?)

Thanks,


If it has a gate or something similar I'm guessing it would be seen as a secure car park if not it's just offroad parking. Definitely not garaged.
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Sweaty_Doughnut
Two Stroke Sniffer



Joined: 16 Jul 2016
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PostPosted: 23:55 - 01 Oct 2016    Post subject: Reply with quote

Hi guys,

Currently I am riding Suzuki Address 110 scooter and hopefully in November I will have 1 year NCB. I am planning to buy Honda NC750X next year and I am thinking if I should insure it separately, which I guess would mean that I wont be able to use my 1 year NCB that I will use for my scooter?

I checked some multi-vehicle policies with third part+theft cover and I am getting ridiculous quotes of 3000. I live in quite safe area in London and I am also considering not to insure NC750 against theft but rather to secure it with alarm, chain, disc lock and cover. Not sure how smart of a move that would be but paying 3k for an insurance is almost half price of NC750. If I insure Honda separately the quote I am receiving is 780 with 2000 excess if stolen which brings me again to the 3k mark plus that I will be penalised in the future with the premiums.

What would be your advice on this? Would you recommend any multi-vehicle insurance company. Is it better insuring them separately? How can I know that if I insure the scooter now for 200 a year and then Honda comes that the price wont go above the roof since the policy can be cheap for the scoot but extremely expensive for the big bike?
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KRM
Two Stroke Sniffer



Joined: 28 Aug 2016
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PostPosted: 10:28 - 02 Oct 2016    Post subject: Reply with quote

Sweaty_Doughnut wrote:
Hi guys,

Currently I am riding Suzuki Address 110 scooter and hopefully in November I will have 1 year NCB. I am planning to buy Honda NC750X next year and I am thinking if I should insure it separately, which I guess would mean that I wont be able to use my 1 year NCB that I will use for my scooter?


go_compare wrote:
Your no claims bonus applies to a single car and, although it can be transferred to an alternative car, it can't be applied to an additional car or another vehicle. It's possible to build up multiple NCBs on vehicles insured under different policies.


So to my understanding you could transfer your ncb to the Honda and not use it on the scooter and see if this helps.


Sweaty_Doughnut wrote:
I am also considering not to insure NC750 against theft but rather to secure it with alarm, chain, disc lock and cover. Not sure how smart of a move that would be


This stuff wont stop a determined thief from stealing your shiny new bike. If your parked at the side of the road mr pikey would knock it every every half hour and you would probably turn the alarm off so as not to annoy neighbours and then off it goes into the back of his van. I hear in London bike theft is "quite" common, although you say you live in a safe part of London Im sure you will be going out of this area on your bike so your still open to being followed home. Your postcode is probably why your quotes are coming back so expensive.

My advice would be not to get a new bike and buy used and transfer your ncb to the bigger, more expensive to insure bike.
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woody599
L Plate Warrior



Joined: 20 Oct 2016
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PostPosted: 23:32 - 20 Oct 2016    Post subject: Reply with quote

700 is steep!

woody599
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