Principal Insurance

Mark65 · World Chat Champion Joined: 16 May 2008 Karma :

Hi
Has anybody used or have any experiances with this insurance company, insurance due in two weeks cheapest is them at 147 but swinton at 180, bigger bike higher premiums it seems.
Thanks
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07 Yamaha YBR125, 07 Honda CG125 , 15 CBR300R (Chocolate Crank, Deaded), 16 CB500FA, 19 Honda Forza 300, 70 Suzuki SV650

P.addy · Red Rocket Joined: 14 Feb 2008 Karma :

All of them are the same. People slate MCE, i'm with MCE and its fine, people slate Hastings, I've had no issues.

Buy it, use it, cheap is cheap.

Confusion · Scooby Slapper Joined: 02 May 2013 Karma :

winz · World Chat Champion Joined: 05 Feb 2015 Karma :

I actually just insured my Hornet with these guys. Comparison websites came in around 280-600 odd, which was a lot higher than what I paid for when I first passed my test and insured it. Although I have 3 years NCB on the Blackbird, they said they would take that into consideration and I haggled my original quote from from £207 to £160 over the phone.

Insurance is insurance. It's all a con.
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Current Bikes: BMW K1200S
Previous: Honda CBR929RR, Honda CBR1100XX, Honda CB600F

AshWebster · Brolly Dolly Joined: 05 Jan 2017 Karma :

im with principal. they seem ok . pain in the arse having to scan license in though and give them a license code
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Honda cg125 J reg peice of shit ---> CB650F ---> 2016 CBR600RR
Ford KA ---> 93' MR2 ---> 94'MR2 ---> 98' Subaru WRX STI Ver 3 (track car)

arry · Super Spammer Joined: 03 Jan 2009 Karma :

Who is the actual underwriter?

winz · World Chat Champion Joined: 05 Feb 2015 Karma :

Mine is Tansar.

I had to scan docs before. Isn't that much of an issue... That reminds me...
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Current Bikes: BMW K1200S
Previous: Honda CBR929RR, Honda CBR1100XX, Honda CB600F

arry · Super Spammer Joined: 03 Jan 2009 Karma :

barrkel · World Chat Champion Joined: 30 Jul 2012 Karma :

When I got my Brutale and traded in my VFR in the middle of the policy, I switched to Principal because the extra cost for switching the VFR policy prorated for the remainder of the policy exceeded a full year with Principal. (That is, the cost with Principal was higher, but it was a full year, so was cheaper on a per-month basis.)

I didn't get my documents particularly quickly via email and phoned them up to be assured that I was actually insured to ride my bike around - wouldn't have been a pleasant conversation with the police otherwise.

It took 32 minutes on hold, calling at 5pm on a Friday, before I gave up.

It took 17 minutes for them to answer the phone calling at 9:30 Saturday.

I wouldn't hold out high hopes of decent customer service given those kinds of waiting times, and I dread the thought of having to call them again to e.g. send NCB proof for my next insurer, or cancel auto-renewal. There's a point at which the time spent waiting on the phone exceeds the savings from the next higher priced insurance, and Principal hit that point for me very early on in the relationship.
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Bikes: S1000R, SH350; Exes: Vity 125, PS125, YBR125, ER6f, VFR800, Brutale 920, CB600F, SH300x4
Best road ever ridden: www.youtube.com/watch?v=s2MhNxUEYtQ