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Arninger |
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Arninger L Plate Warrior
Joined: 20 Mar 2019 Karma :
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Posted: 13:54 - 20 Mar 2019 Post subject: Problem finding Insurance (EU citizen, import bike) |
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Hey.
Arne here. This I is my first post, so hi to everyone.
I moved to Scotland in September 2017 to work as a brewer for Brewdog. One of the first things I did, was getting a bike.
Got myself a small Honda VRX 400 which was imported (did not think that that mattered back then).
I hab the bike on a classic bike insurance (eBike) until end of last year, unfortunately the insurer does not exist anymore. I was looking for a new insurer, but I cant seem to find one.
The problem seems to be the imported bike, and me not being UK citizen and/or having a German driving licence. If pretend to be born in the UKin one of the many insurance comparison portals, I can find cheap enough insurance. Also if I keep my EU details but pick a similar bike (Same manufacturer, engine, year) I can find insurance easy.
But with both things in, there is one insurer that would insure me for 1200 £ a year (the bike is worth 800 £...). Seems like insurers are either cool with me being a foreigner or having an imported bike but as soon as I have both no one wants me.
Does anyone have an idea at which insurance company I could try my luck? If I cant find one I will have to sell the bike.
Happy about any suggestions. |
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LustyLew |
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LustyLew World Chat Champion
Joined: 19 Apr 2004 Karma :
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Bhud |
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Bhud World Chat Champion
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The Shaggy D.A. |
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The Shaggy D.A. Super Spammer
Joined: 12 Sep 2008 Karma :
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Posted: 14:33 - 20 Mar 2019 Post subject: |
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Can't help you, but I love the bike ____________________ Chances are quite high you are not in my Monkeysphere, and I don't care about you. Don't take it personally.
Currently : Royal Enfield 350 Meteor
Previously : CB100N > CB250RS > XJ900F > GT550 > GPZ750R/1000RX > AJS M16 > R100RT > Bullet 500 > CB500 > LS650P > Bullet Electra X & YBR125 > Bullet 350 "Superstar" & YBR125 Custom > Royal Enfield Classic 500 Despatch Limited Edition (28 of 200) & CB Two-Fifty Nighthawk > ER5 |
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
Joined: 20 May 2016 Karma :
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Ste |
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Ste Not Work Safe
Joined: 01 Sep 2002 Karma :
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Posted: 16:27 - 20 Mar 2019 Post subject: |
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Arninger |
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Arninger L Plate Warrior
Joined: 20 Mar 2019 Karma :
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Arninger |
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Arninger L Plate Warrior
Joined: 20 Mar 2019 Karma :
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Teflon-Mike |
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Teflon-Mike tl;dr
Joined: 01 Jun 2010 Karma :
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Posted: 17:14 - 20 Mar 2019 Post subject: |
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If you are a UK resident, you should have surrendered your German licence for a UK one, with UK address on it.
That would make insurers happy, if all the addresses match, and citizen ship shouldn't matter.
If you have not given up german residence... then you are allowed to use german registered and insured vehicle in the UK, for so many months.... then you have to declare UK residence and register both bike and licence at UK address.
That's the niggle on that one.
As for bike being non UK grey-import model... that is a second mine-field..... if bike has UK registrtation, then its down to the insurer whether they wil cover you and for how much, BUT the bike has to be declared a UK registered grey-import of non UK Market specification/oragin.
Even where ialmost identical model was sold here as an official import, its not a UK bike and declareable to inurance.
Clear as mud? Hopr that helped!!!! ____________________ My Webby'Tef's-tQ, loads of stuff about my bikes, my Land-Rovers, and the stuff I do with them!
Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?' |
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growler |
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growler Traffic Copper
Joined: 17 Jul 2007 Karma :
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Arninger |
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Arninger L Plate Warrior
Joined: 20 Mar 2019 Karma :
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Arninger |
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Arninger L Plate Warrior
Joined: 20 Mar 2019 Karma :
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 21:46 - 20 Mar 2019 Post subject: |
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I wonder if you'd have any more luck insuring it as a modified bike? Because it IS modified. Or maybe that's a triple-whammy.
Most comp. insurance allows you to ride other peoples vehicles providing they are insured under another policy.
Perhaps you could transfer ownership of the VRX to a friend, insure it in his name on the cheapest TPF&T party insurance you can for him. Buy a random small, cheap bike (doesn't even have to be a runner, just has to exist) and insure it comp in your name. Get written permission to ride your mates VRX and carry it with you.
The above may be considered somewhat outwith the spirit of the rules if they found out you were riding it all the time...
I personally wouldn't have a problem with someone getting one over on an insurance company because they are all theiving bastards. ____________________ “Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
Last edited by stinkwheel on 21:47 - 20 Mar 2019; edited 1 time in total |
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Jmoan |
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Jmoan Brolly Dolly
Joined: 18 Nov 2015 Karma :
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Bhud |
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Bhud World Chat Champion
Joined: 11 Oct 2018 Karma :
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Posted: 22:13 - 20 Mar 2019 Post subject: |
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stinkwheel wrote: | I wonder if you'd have any more luck insuring it as a modified bike? Because it IS modified. |
It's been modified, but I'm not sure it counts as a full-on custom. I know that Bikesure let you have modifications up to a certain point - full drop-down lists and tickboxes where you state what you've done. For example: "exhaust replacement, 5% performance increase", or "exhaust replacement, no performance increase". In this case, he seems to have a couple of end cans and a very basic green paint job. Not badly done, but it wouldn't count under the heading "special paint job". I played with this online quote-generating system a couple of times (I was bored) through Gocompare, and not many items on the modifications list had any effect on premiums. They don't seem to care about indicators, mirrors, or even things like naked conversions or removing all your fairings (all of these are listed options). The things they seem concerned about are frame modifications and engines from different bikes. Those are the mods that put you well and truly in "custom" territory, and you'll be lucky to even get one or two quotes on Gocompare. Those things are like an insurer's cryptonite. |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 22:18 - 20 Mar 2019 Post subject: |
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Bhud wrote: | stinkwheel wrote: | I wonder if you'd have any more luck insuring it as a modified bike? Because it IS modified. |
It's been modified, but I'm not sure it counts as a full-on custom. I know that Bikesure let you have modifications up to a certain point - full drop-down lists and tickboxes where you state what you've done. For example: "exhaust replacement, 5% performance increase", or "exhaust replacement, no performance increase". In this case, he seems to have a couple of end cans and a very basic green paint job. Not badly done, but it wouldn't count under the heading "special paint job". I played with this online quote-generating system a couple of times (I was bored) through Gocompare, and not many items on the modifications list had any effect on premiums. They don't seem to care about indicators, mirrors, or even things like naked conversions or removing all your fairings (all of these are listed options). The things they seem concerned about are frame modifications and engines from different bikes. Those are the mods that put you well and truly in "custom" territory, and you'll be lucky to even get one or two quotes on Gocompare. Those things are like an insurer's cryptonite. |
Anything that differs from the manufacturers specification is a modification. I even had to list the mirrors and levers. Non-standard paint would be a definate (even if it is shitty paint). Some insurers even want to know about stickers.
In Germany, you would need a piece of paper for EVERY slight deviation from standard on that bike. Even if you had a non-listed brand of tyre fitted. ____________________ “Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles. |
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Bhud |
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Bhud World Chat Champion
Joined: 11 Oct 2018 Karma :
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Posted: 22:35 - 20 Mar 2019 Post subject: |
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stinkwheel wrote: |
Anything that differs from the manufacturers specification is a modification. I even had to list the mirrors and levers. Non-standard paint would be a definate (even if it is shitty paint). Some insurers even want to know about stickers. |
Sure, and I have quite a few declared modifications too. My insurance via Bikesure allowed them all without a premium increase, although when I enquired about frame mods (I had plans for my subframe) the underwriter-computer said 'no'. I emailed them directly and asked.
I then double-checked this by entering fresh data about hypothetical mods on the Gocompare website, and only Carole Nash and another gave me a quote. Both quotes were outrageous.
Regarding the paint job, and the details about the exhaust, I'm not sure what the poor guy's expected to know with regard to the original spec. He's just an ordinary guy, presumably, who has nothing to do with the motorcycle industry. For all he knows, that is the original spec (mirrors, army green paint job, shortened mudguard?, exhaust, etc.) After all, the bike has had 10 owners before him - that's 10 chances for someone to change little things here and there. The bike could have been sold to him as standard yet have had all these mods. Or the exhaust and other stuff could be considered cheap repairs in the light of the expense of getting original equipment and paint. I'd be willing to run that line in the event of queries being raised, because there's no obvious deception that I can see going on there, especially if the computer's quotes for insurance don't change if you mention minor accessory replacements and stuff. |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Posted: 23:07 - 20 Mar 2019 Post subject: |
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The reason I mentioned it is modified policies are "different" to standard ones. The question of import or not may never come up.
I have a friend with a bike on a modified policy with a 1.9l VW diesel engine fitted. He called to tell them he'd changed the engine for a turbo one and that it now had a 5-speed gearbox instead of direct drive off the clutch... No change in premium. ____________________ “Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles. |
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Bhud |
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Bhud World Chat Champion
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rpsmith79 |
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rpsmith79 World Chat Champion
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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Bhud |
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Bhud World Chat Champion
Joined: 11 Oct 2018 Karma :
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Posted: 21:07 - 21 Mar 2019 Post subject: |
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I like to think I'm as dodgy as the next man, but apparently not.
Jokes aside, my Bikesure policy is a "ride any bike" policy but I'm 99% sure it only works if the bike belongs to someone else. For example, say I go to see a bike. I like it and make its owner an offer. He accepts, and I pay him. This transfers ownership to me. I then ride the bike home, but I'm uninsured. On the other hand, if he'd lent me his bike rather than sold it to me, I would be insured under my "ride any bike" policy.
The traffic police around my way know the ins and outs of this, because "drive any car" policies are common, and commuters with big cars try that one on, quite a bit. I've seen the cops post on Twitter about seizing luxury cars driven by people claiming their "drive any car" policy (with a Prius as the named vehicle) covered them. |
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stinkwheel |
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stinkwheel Bovine Proctologist
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Pjay |
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Pjay World Chat Champion
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Arninger |
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Arninger L Plate Warrior
Joined: 20 Mar 2019 Karma :
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Old Thread Alert!
The last post was made 5 years, 10 days ago. Instead of replying here, would creating a new thread be more useful? |
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