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how much more are you paying for any bike insurance?

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gimpy limp
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Joined: 19 Mar 2005
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PostPosted: 01:44 - 19 Jul 2005    Post subject: how much more are you paying for any bike insurance? Reply with quote

Does anyone have a ride anything insurance policy with owners permission?
what's the difference your paying roughly? is it a few hundred on top to take put a policy to let you ride anything or alot more?
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 01:48 - 19 Jul 2005    Post subject: Reply with quote

Comes as standard with both my policies.

Multi bike policy (MZ baghira, GPZ500s, Suzuki T500 and Jawa 350) TPF&T, 280 quid.

Single bike policy (Honda H100) TPF&T, 70 quid

EDIT: Remember, they are 'ride with owners permission' but ONLY if they are also covered by another insurance policy and ONLY on a third party basis.
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gimpy limp
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PostPosted: 01:51 - 19 Jul 2005    Post subject: Reply with quote

how long have you been riding? how old are you if u don't mind me asking? Probably going to have an effect on the quote ain't it. Bike insurance companies dont include car ncb into the policy do they? (i've got 3/4 years car ncb)
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stinkwheel
Bovine Proctologist



Joined: 12 Jul 2004
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PostPosted: 02:11 - 19 Jul 2005    Post subject: Reply with quote

I'm 27. Been riding 11 years with the same in NCB.

May be something to do with going TPF&T rather than TPO. I certainly didn't get it for the first couple of years I was insured, but I was on a rider policy back then.
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I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.
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yambabe
World Chat Champion



Joined: 12 Jul 2004
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PostPosted: 02:12 - 19 Jul 2005    Post subject: Reply with quote

Couple of things to bear in mind when you start ringing round.

Bennets don't offer cover on any bike with any of their policies.

Carole Nash only offer it on bikes over 350cc.
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priller
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Joined: 26 Jan 2004
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PostPosted: 02:15 - 19 Jul 2005    Post subject: Reply with quote

babyyam wrote:

Carole Nash only offer it on bikes over 350cc.


Does than mean your only insured to ride other bikes over 350cc. I assumed it meant you olny got that cover if your bike is over 350, but the stupid women on the phone was adimant that its covered you to ride bikes over 350 regardless of what you ride. Confused
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yambabe
World Chat Champion



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PostPosted: 02:18 - 19 Jul 2005    Post subject: Reply with quote

As I understood it, the bike you are insuring has to be over 350cc. Your TPO cover then applies to any bike regardless of cc.
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priller
Brolly Dolly



Joined: 26 Jan 2004
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PostPosted: 02:23 - 19 Jul 2005    Post subject: Reply with quote

Which is what I though, the women from caroel nash didn't agree though.
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MarkyPancake
Crazy Courier



Joined: 05 Jul 2005
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PostPosted: 09:57 - 19 Jul 2005    Post subject: Reply with quote

Riding other bikes was part of my policy at no extra charge, but I'm only covered on a third party basis when/if I do.

My bike insurance company gave me the option of porting some/all of my car no claims to my bike insurance, but I opted not to.
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Kickstart
The Oracle



Joined: 04 Feb 2002
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PostPosted: 19:41 - 19 Jul 2005    Post subject: Reply with quote

Hi

Seems to be pretty much a freeby that some companies offer to get your business. Bennetts refusal to offer such cover is what cost them my business.

The older you are and the more expensive the policy is (such as fully comp) then the more likely you are to get this cover.

While I have never seen anything that specifies that the bike must be otherwise insured, it does make logical sense. You are insured to ride it, but when you are not riding it then it is not insured which is illegal on the roads. Such as when it is parked in a petrol station while you pay for petrol.

All the best

Keith
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Zoffo
Brolly Dolly



Joined: 01 Feb 2005
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PostPosted: 19:47 - 19 Jul 2005    Post subject: Reply with quote

Came as standard on my policy (Virgin Insurance). It pays to stay with insurance hunting. Just when I was about to give up after two days of phoning. I was offered a policy that was 30% cheaper than any of the others, had the cheapest excess, included European cover as standard and any bike cover Thumbs Up
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