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Undinist |
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Undinist Nearly there...
Joined: 08 Oct 2013 Karma :
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Posted: 18:16 - 30 Oct 2019 Post subject: Has anyone got TPO insurance for an expensive bike? |
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I live in Brixton and don't have a garage. Even with 3 years NCD, clean licence and being an old git who's ridden big bikes for 20+ years, the only way I can get cover for an 18 grand megasupersports thing is to pretend I have a garage and then ask for TPO. There seem to be a few insurers who will go for that. The usual suspects - MCE, Devitt etc - will cover me for nothing fancier than a group 14 bike, e.g. a new 18 grand R1250GS, and only for fully comp, which costs £2100+. They won't do TPFT or TPO. I don't understand their logic. Anyway, if I bought their cover I doubt I could ever claim without making myself uninsurable in the future. So it seems to me I need to self-insure. Pretend to have a garage, get the cheapest possible TPO cover and invest in a tracker and alarm and a couple of sold secure diamond chains. And sleep with my phone next to my head, and my emergency thief-bothering kit next to the bed - bodyworn camera, baseball bat, spray dye etc. A friend of mine has TPO cover on his Blade - that's all he could get. It's been stolen 3 times but he always gets it back because it has a tracker. |
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stinkwheel |
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stinkwheel Bovine Proctologist
Joined: 12 Jul 2004 Karma :
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NJD |
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NJD World Chat Champion
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Undinist |
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Undinist Nearly there...
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NeverAgain |
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NeverAgain Nova Slayer
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Undinist |
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Undinist Nearly there...
Joined: 08 Oct 2013 Karma :
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Posted: 19:45 - 30 Oct 2019 Post subject: |
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NJD wrote: | Sell the bike and live a life without stress.
Fuck the sounds of London. Fuck getting beat up for a bike (their hardly going to turn up with flowers and a card).
Or move.
London? TPO? No way. In a city where crime is so high because there's nothing to chain the things to (not the only reason, but it doesn't help) I wouldn't even take the chance.
You could track your bike all the way to the local park and cry over the burnt frame (putting the logic that the tracker would be burnt/damaged too aside for a moment) but I'd rather save the time and money.
Although I suppose with the heavy traffic having a bike becomes an evil necessity, interesting. |
Well I'm not leaving London. I'd be bored to death anywhere else. And a bike is essential for full enjoyment of London in my opinion. Insurance for my current bike, a K1100RS, is manageable. So I can be grateful for that. I love the bike, no complaints at all. It has less than 3000 miles on it - a proper barn-find time-warp stunner. But I can't help being curious about all these modern things with 200 bhp and electronic everything. I'm going to spend the winter test-riding them. Hopefully they'll turn out to be no more rewarding than my K series....but you never know.
AIUI, megabikes with the best security don't get stolen by joyriding kids who burn them in parks. They get stolen by professional thieves, for profit. Knowing that Plod may be following a tracker, they transport the bike a short distance, park it up for a couple of days and wait to see if Plod comes for it. So you often get it back, undamaged. Mine would be chained to something, with a pair of 22mm chains. They take a long time to cut. |
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Undinist |
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Undinist Nearly there...
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weasley |
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weasley World Chat Champion
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Kawasaki Jimbo |
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Kawasaki Jimbo World Chat Champion
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TaffyTDM |
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TaffyTDM Spanner Monkey
Joined: 15 Jul 2015 Karma :
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Posted: 21:13 - 30 Oct 2019 Post subject: |
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I believe insurers are still responsible for any carnage caused by your bike even if you have been relieved of it and it has been borrowed by a promising young footballer to take his mothers shopping home on the way back from the music studio where he has been studying a dj course,if said misunderstood yoof sadly cannot be traced, hence the reluctance for TPO.
And in your area, there are many promising footballers frequenting many (although never enough) yoofclubs.
undinist wrote: | AIUI, megabikes with the best security don't get stolen by joyriding kids who burn them in parks. They get stolen by professional thieves, for profit. Knowing that Plod may be following a tracker, they transport the bike a short distance, park it up for a couple of days and wait to see if Plod comes for it. So you often get it back, undamaged. Mine would be chained to something, with a pair of 22mm chains. They take a long time to cut. |
YABU. They will nick whatever they can get a hold of. As shit as it is that you cant have nice things , realpolitik suggests you should find a mate with a garage in the surrey hills / downs, "keep" your weekend thrasher there and go down to visit it when the sun comes out, and have a 300ish for bumping around town with |
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Hong Kong Phooey |
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Hong Kong Phooey World Chat Champion
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Undinist |
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Undinist Nearly there...
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barrkel |
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barrkel World Chat Champion
Joined: 30 Jul 2012 Karma :
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Posted: 00:44 - 31 Oct 2019 Post subject: |
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I have my S1000R (£7.5k so not mega-expensive but not pleasant to lose) insured fully comprehensive in Enfield, in a garage, 7 years NCD and 6 points, 5k miles per year, for for £850 with Bikesure.
Would be only 400 TPO with MCE, as low as 275 TPO if I had 0 points, but they caught me doing 25mph past a newly 20mph camera twice in one week before I noticed they'd changed their thresholds.
Would be £690 FC with 0 points.
When I tried to switch my Brutale insurance (to get more NCD faster, not that it would make a huge difference) they wanted £2500. Ironically, it was Bikesure (branded as MAG Insurance) that insured the Brutale and wanted the big numbers, but they could do much better on a brand new quote as Bikesure (branded as BMF Insurance).
A garage was a requirement when we were looking for a house to buy, partly because of the insurance angle. ____________________ Bikes: S1000R, SH350; Exes: Vity 125, PS125, YBR125, ER6f, VFR800, Brutale 920, CB600F, SH300x4
Best road ever ridden: www.youtube.com/watch?v=s2MhNxUEYtQ |
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ThunderGuts |
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ThunderGuts World Chat Champion
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LustyLew |
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LustyLew World Chat Champion
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Polarbear |
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Polarbear Super Spammer
Joined: 24 Feb 2007 Karma :
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Posted: 11:35 - 31 Oct 2019 Post subject: |
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I couldn't have a nice/expensive bike without fully comp insurance.
It would only be viable if I was rich enough to take that sort of financial hit with wincing!
Thankfully I now have no need to even look at London on a map, let alone go there, ____________________ Triumph Trophy Launch Edition |
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Easy-X |
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Easy-X Super Spammer
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Bhud |
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Bhud World Chat Champion
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Posted: 15:35 - 31 Oct 2019 Post subject: |
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Undinist wrote: | a K1100RS, is manageable. So I can be grateful for that. I love the bike, no complaints at all. It has less than 3000 miles on it - a proper barn-find time-warp stunner. |
ULEZ casualty, eh.
If London's all that, where are the open roads, hills, valleys, low crime rates, nice, polite people, tree-lined neighbourhoods? In Brixton you've got your pot and your psychedelic music, where the trust fund kids and the street kids mix, but don't they do that everywhere? Living in a place like that, it just seems to be a countdown to someone caving your head in on the way to the shops for the tenner in your pocket. |
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MarJay |
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MarJay But it's British!
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Undinist |
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Undinist Nearly there...
Joined: 08 Oct 2013 Karma :
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Posted: 16:58 - 31 Oct 2019 Post subject: |
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Bhud wrote: | ULEZ casualty, eh.
If London's all that, where are the open roads, hills, valleys, low crime rates, nice, polite people, tree-lined neighbourhoods? In Brixton you've got your pot and your psychedelic music, where the trust fund kids and the street kids mix, but don't they do that everywhere? Living in a place like that, it just seems to be a countdown to someone caving your head in on the way to the shops for the tenner in your pocket. |
I'm told that if I got a certificate of conformity the bike would be exempt. I could also get it exempted with an emissions test, and I'd make doubly sure of a pass with a dose of Millers Ecomax.
As for open roads, central London has lots of brilliant biking roads. I really ought to put a video on youtube. I often go out for a play and stop for a coffee somewhere interesting. You can't beat London for the people-watching and the women. With a bike, all the things which make London the cultural/fashion capital of the world are on my doorstep. No worries about parking tickets or speed/bus lane/ULEZ cameras if you're creative with your number plate. That's the upside of the extinction of the Met's traffic police.
As for crime in Brixton, nearly all of it is kids stabbing each other. The rest of the population are safe. I haven't had a single scary moment in 15 years. Muggings are virtually unknown, and they always happen to someone going home drunk at 2am on an unlit side street.
MarJay wrote: | I commute in from Basingstoke, which is hardly a hub of action and excitement | I know Boringpoke well. I spent plenty of time there as a cog in the corporate machine. If I had to spend just one more night there I'd be on suicide watch.
Last edited by Undinist on 17:02 - 31 Oct 2019; edited 2 times in total |
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- Super Spammer
Joined: 22 Oct 2013 Karma :
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Posted: 17:01 - 31 Oct 2019 Post subject: |
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Undinist wrote: |
Well I'm not leaving London. I'd be bored to death anywhere else. |
What is it, the thrill of standing a good chance of losing your £18,000 of bike every night, which you can't afford to insure for theft, which makes it so exciting?
You'd be nuts to not insure it for theft in the crime ridden hotspot of multicultural London? Even more so when you can't afford secure parking.
Which leads me to ask... if you can afford an £18,000 bike, why not buy a £16000 bike and insure it fully comp, or at least rent secure parking somewhere near? ____________________ TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG. |
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- Super Spammer
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Undinist |
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Undinist Nearly there...
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Undinist |
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Undinist Nearly there...
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chickenstrip |
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chickenstrip Super Spammer
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Posted: 17:51 - 31 Oct 2019 Post subject: |
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Undinist wrote: | You don't know how to interpret those stats because you have no knowledge of Brixton. Those theft numbers include kids nicking each other's phones. Doesn't affect me. I've tried life outside London. Grew up in Kent and Sussex, moved back to Sussex after a spell in London to enjoy the rural idyll - bored to tears. Also spent 6 years in Manchester. Boring people everywhere. Boring shops. Boring cafes. No women to look at. All the really attractive women in the UK move to London. So do all the intelligent, interesting people. The UK is completely Londoncentric. |
I'd recommend you give up motorcycles, as London is a boring place to ride them anyway ____________________ Chickenystripgeezer's Biking Life (Latest update 19/10/18) Belgium, France, Italy, Austria tour 2016 Picos de Europa, Pyrenees and French Alps tour 2017 Scotland Trip 1, now with BONUS FEATURE edit, 5/10/19, on page 2 Scotland Trip 2 Luxembourg, Black Forest, Switzerland, Vosges Trip 2017
THERE'S MILLIONS OF CHICKENSTRIPS OUT THERE! |
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Old Thread Alert!
The last post was made 4 years, 206 days ago. Instead of replying here, would creating a new thread be more useful? |
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