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1-day bike insurance?

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Freddyfruitba...
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Joined: 20 May 2016
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PostPosted: 15:03 - 15 Aug 2022    Post subject: 1-day bike insurance? Reply with quote
Can anyone recommend a cheap bike insurer for a single day?
Tried BikeSure, who want £47 for third-party only which seems a lot for a bike I've owned for nearly 4 years without incident (latest annual premium £175). Or is that just what I should expect?
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ThunderGuts
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Joined: 13 Nov 2018
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PostPosted: 15:06 - 15 Aug 2022    Post subject: Reply with quote
The only other thing is ring your current insurer and see if they can help (but I seem to recall, unless I'm getting mixed up, seeing elsewhere you had an issue with admin charges recently so maybe they won't be that helpful).
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Freddyfruitba...
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Joined: 20 May 2016
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PostPosted: 15:20 - 15 Aug 2022    Post subject: Reply with quote
ThunderGuts wrote:
The only other thing is ring your current insurer and see if they can help (but I seem to recall, unless I'm getting mixed up, seeing elsewhere you had an issue with admin charges recently so maybe they won't be that helpful).

Thanks, but spot on. £60-odd IIRC to make any change, on top of the actual insurance fee!
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Ste
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Joined: 01 Sep 2002
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PostPosted: 15:27 - 15 Aug 2022    Post subject: Reply with quote
Buy a full 12 months insurance and then make use of the 14 day cooling off period to change your mind and get a full refund from most insurers minus the cost of however many days the policy was running for?
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Polarbear
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Joined: 24 Feb 2007
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PostPosted: 16:02 - 15 Aug 2022    Post subject: Reply with quote
Ste wrote:
Buy a full 12 months insurance and then make use of the 14 day cooling off period to change your mind and get a full refund from most insurers minus the cost of however many days the policy was running for?


So they can't charge any admin fees even though you have actually used the policy? While I don't disbelieve you, it seems an amazingly sh1t deal for the insurance co. to have to accept (not that that worries me of course) Laughing
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Ste
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Joined: 01 Sep 2002
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PostPosted: 16:17 - 15 Aug 2022    Post subject: Reply with quote
Yes they're arseholes and I'm looking at the moment for details of 14 day cooling off period charges on insurance websites and google.
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Fat Angry Scotsman
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Joined: 12 Jan 2021
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PostPosted: 16:17 - 15 Aug 2022    Post subject: Reply with quote
Polarbear wrote:
Ste wrote:
Buy a full 12 months insurance and then make use of the 14 day cooling off period to change your mind and get a full refund from most insurers minus the cost of however many days the policy was running for?


So they can't charge any admin fees even though you have actually used the policy? While I don't disbelieve you, it seems an amazingly sh1t deal for the insurance co. to have to accept (not that that worries me of course) Laughing


They retain an admin fee/ set-up fee/ etc as well as pro-rata the days you used. Did this with the company that went bust on us that I can't remember the name of now.
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Ste
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Joined: 01 Sep 2002
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PostPosted: 16:19 - 15 Aug 2022    Post subject: Reply with quote
https://www.hastingsdirect.com/about-us/our-fees.shtml

"Cancelling within 14 days of your policy's start date No cancellation fee"
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Fat Angry Scotsman
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Joined: 12 Jan 2021
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PostPosted: 16:24 - 15 Aug 2022    Post subject: Reply with quote
Ste wrote:
https://www.hastingsdirect.com/about-us/our-fees.shtml

"Cancelling within 14 days of your policy's start date No cancellation fee"


He still loses the other fees, quotation directly from your link:

Hastings Direct wrote:
Cancelling your new or renewing policy
(If you or we cancel a policy, any fees, such as the arrangement fee, incurred before cancellation are non-refundable, as is the cost of your insurance for the number of days you've been insured.)


So OP, if you do it with Hastings, you will have to pay their £20.00 fee plus the cost of however many days the policy is active before you cancelled it. If you take more than 14 days to do it then you'll pay an additional cancellation fee of £40.00.
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Ste
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Joined: 01 Sep 2002
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PostPosted: 16:32 - 15 Aug 2022    Post subject: Reply with quote
Fat Angry Scotsman wrote:
So OP, if you do it with Hastings, you will have to pay their £20.00 fee

You do? Confused
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Evil Hans
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Joined: 08 Nov 2015
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PostPosted: 16:52 - 15 Aug 2022    Post subject: Reply with quote
Ste wrote:
https://www.hastingsdirect.com/about-us/our-fees.shtml

"Cancelling within 14 days of your policy's start date No cancellation fee"


Do they mean within 14 days before or after that date? Wink
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Fat Angry Scotsman
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Joined: 12 Jan 2021
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PostPosted: 18:23 - 15 Aug 2022    Post subject: Reply with quote
Ste wrote:
Fat Angry Scotsman wrote:
So OP, if you do it with Hastings, you will have to pay their £20.00 fee

You do? Confused


It literally says it on the page, I even quoted the exact wording in my previous post Laughing

When starting up the policy you pay a £20.00 arrangement fee, which is always paid even if you cancel. You don't pay a cancellation fee in the 14 day cool down period but the arrangement fee is non-refundable so you will always lose that £20.00.

Insurance companies always find a way to do you somehow.

EDIT: If you set up the policy online then you only pay a £20.00 arrangement fee, but if you set it up over the phone you pay an additional £12.50 on-top of the £20.00 arrangement fee for the privilege of talking to some cunt on the phone for ages.
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rpsmith79
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Joined: 31 Jan 2017
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PostPosted: 08:22 - 16 Aug 2022    Post subject: Reply with quote
Fat Angry Scotsman wrote:

Insurance companies always find a way to do you somehow.


How, by any stretch of the imagination, is that insurance company "doing you" by charging a £20 set up fee

As stated above, it stops folk tying to get free/cheap insurance for short term use, plus it does actually take someones time to set up a policy, why should they have to work for free
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1198
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Joined: 24 Jan 2013
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PostPosted: 08:27 - 21 Aug 2022    Post subject: Reply with quote
They’re not working or ‘free’ at all.
They get paid to sort out insurance - it’s their job!
I had to add someone to my policy recently. I got charged £25 for five minutes of their time - I make that £300 per hour. If that’s not taking the piss I don’t know what is! They say it’s to ‘stop people calling all the time’. Why not make it a £5 admin charge then - I’d make that about 15 minutes worth of their time even if they’re on double the minimum wage then I’d feel I was just paying them and not having my pants pulled down.
People wonder why there’s so many running round with no insurance at all…
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