Insurance

[Nagasaki24]

Hey guys,

After having my bikes nicked TWICE in 5 months.. Back in September stolen and burned and then again in February, I have not had a bike since.

I am now trying to get another but the Insurance is outrageous.

I get why but still. TPTF quotes are coming in at £1K or more and TPO are £300 ish.

Is there a company out there that would be cheaper that I don't know about? I find it sad that people like me who have had shitty luck are then penalized by insurance companies.

Its not like I put a sign on the bike that said "Steal Me" and left it unlocked :'(
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Yamaha SR-125

[Nobby the Bastard]

The thing is, that's how insurance works.

If you are a high risk (and two bikes.stolen in a year makes you high risk) you get a premium quoted accordingly.
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[xX-Alex-Xx]

Did you try fully comp instead of TPFT? They often come in cheaper...

But as mentioned, if you’ve had two bikes stolen on the last year (or even in the last 10) you’re going to be seen as a risk and judged accordingly (hence the massive gap between third party and fire and theft).
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DILLIGAF

[dynax]

Having had the first one nicked did you improve the security for the second one?
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Mike.
Bikes: Xena, Bridget,Florence
https://www.youtube.com/channel/UCmihUc0xXxYbR4_0l-F1FzA/videos?view_as=subscriber

[Nagasaki24]

[Ste]

How much was your first bike insurance and second bike insurance?

[Nagasaki24]

[1198]

Being brutal here but put yourself in the insurance company’s shoes - would YOU want to insure someone who’s had TWO bikes nicked in quick succession?

[P.]

Clearly didn't buy enough security for what I will assume to be, a London resident..

[Ste]

Location: N.Wales



Assuming you've tried getting quotes from various price comparison websites, it sounds like you'll be going TPO. You could try playing around with different annual mileages and the excess to see if you can get the price down for TPFT or fully comp.

[colinM]

I had a couple of accidents in my first years of riding a bike I was quoted exorbitant amounts for insurance.. I finally found a company that have me a reasonable quote it was wicked insurance with a try I guess.

[ThatDippyTwat]