My Insurance Just Doubled

DJP · Crazy Courier Joined: 11 Dec 2011 Karma :

Not that I blame the insurance companies at all.

All the 'ped thefts in London are pushing the premiums through the roof.

But apparently if I knock off commuting cover (into Londonistan) I could get covered for a similar price to last year.

Which isn't much use to me since that's a large part of what I use the bike for.

So it looks like proper bikers are paying the price for the 'ped boys (and the Met's reluctance to deal with them).

Sad times.
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Ste · Not Work Safe Joined: 01 Sep 2002 Karma :

#bikelife

Fizzoid · World Chat Champion Joined: 06 Sep 2016 Karma :

Claim the difference back from your bike manufacturer, after all, it's their fault!
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M.C · Super Spammer Joined: 29 Sep 2015 Karma :

I know I say this everytime this kinda topic comes up, but have you checked everyone's least favourite insurer MCE?

TPO:
MCE = £275
Bikesure (next cheapest) £957

F&T:
MCE = £426
Triumph Ins' (next cheapest) = £1087

Fully Comp':
MCE = £603
Bikesure (next cheapest) = £2366

Sure MCE have a rapey excess of £1325 (£800/£850 excess for Triumph and Bikesure respectively) but that doesn't explain the difference in prices. There never used to be such a gap Neutral

DJP · Crazy Courier Joined: 11 Dec 2011 Karma :

natefz6 · Brolly Dolly Joined: 06 Apr 2005 Karma :

Do you live in London? If not did they ask you where you commute to? My insurance never has.
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NJD · World Chat Champion Joined: 11 Mar 2015 Karma :

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

My quotes have started getting a lot cheaper for TPFT vs TPO, like 50% cheaper. This is despite a commute into central London from Enfield.

Also, 8k mileage (minimum to cover my commute 50 weeks a year) is significantly more expensive than 6k.

What makes sense for me right now is to split my commute across a couple of bikes, on different policies.
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TheSmiler · World Chat Champion Joined: 14 Apr 2011 Karma :

Glad I'm not living in london two k100s and a srad 600 (which has been replaced with the third k100) is £100 tpft. Not bad with 3 points and two none fault claims.
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DrSnoosnoo · World Chat Champion Joined: 28 Mar 2012 Karma :

sickpup · Old Timer Joined: 21 Apr 2004 Karma :

AshWebster · Brolly Dolly Joined: 05 Jan 2017 Karma :

does it not all boil down to the age old question of "honesty" with regards to insurance.

my "friend" tells them he lives at his parents (nicer area) does less han 2k miles and keeps his car locked in a garage overnight - and has done for the last 10 years.. he pays pence

my other "friend" is Mr honest and pays thru his bumhole

one will get raped if he crashes however..

your choice
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