Ebikeinsurance.co.uk Are they good?

NSR125-Kid-UK · Attention Whore Joined: 03 May 2003 Karma :

Well, I'm just about to try and get a month's insurance with ebike so I can take out the insurance for the RS250 and use it to get to work, since the NSR is beginning to get on my nerves with its cutty-outness and lack of power.

Now EBI have two ways of paying:

1. set up a direct debit (make the first payment by card)
2. set up to have your credit card automatically debited.

Now my dad's not happy about paying for the insurance if I give him the cash (because I don't have a credit/debit card), his main concern is that only the business taking out the direct debit can cancel one (which presumably means after you cancel the policy they keep charging you for thin air or whatever), and has presented me with a few terms and conditions, not the least of which being "you don't ride the bike until you receive the paperwork", which more or less negates the point of immediate cover.

That aside, is there any other site where I can take out PAYG insurance for one month for the RS until I switch over to a 12 month TPFT policy?

If it wasn't for this stupidity, I'd have the RS parked outside my work already Mad

. What can you lot say to put my dad's mind at rest Smile

.
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Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

You're 20 and you don't have a debit or credit card?

Why aren't you just upgrading the NSR policy?

NSR125-Kid-UK · Attention Whore Joined: 03 May 2003 Karma :

Bendy · Mrs Sensible Joined: 10 Jun 2002 Karma :

Well, I think ebike are the only place that might insure you for a month. 99% of companies are yearly and will ream you when you ask for a refund.

Ant · World Chat Champion Joined: 24 Feb 2003 Karma :

Once you cancell a direct debit they cant take any more money from your account, no matter what! (GF works in a bank!)
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NSR125-Kid-UK · Attention Whore Joined: 03 May 2003 Karma :

Yeah, I spent a while looking round last night and the internet wasn't having any of it. "pay as you go insurance OTHER THAN Ebike?! HAHAHAHAHAHAH!!!!!!!!!! Laughing

"

So now we've determined that Ebike seem to be the only company out there and that other insurance companies will ream me on refunds (to cancel a £330 policy 7 months into the policy results in me only getting £54 back - not worth losing my NCB for.

Which reminds me. If I have two policies running alongside each other, do I get my 2 year's no claims from the NSR policy and a third one feb 07 after the policy expires and the RS policy is in effect?

That aside, can we debate the stupidness of running a bike WITH insurance but before the cover note arrives. I think it's stupid to keep the bike chained up until the cover note arrives.
Something else I also debate, re: the tax issue.

the bike is uninsured and untaxed, and will be showing as such on the DVLA computers. When the bike gets changed into my name, i will get a fine for not taxing it/declaring it SORN. Therefore, once I'm insured, what is the possible harm in riding it untaxed if I'm going to get a fine whether i keep it on my drive or not?

What's to stop me just being able to take out insurance at midnight and go to work on the bike at 7am.
I say nothing

Am i right?
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https://www.bikepics.com/members/nsrandy/96rs250/ My Bike!

"I'm either going to teach andy to get his knee down, or I'm going to get him killed. One of the two" - Teaman

Jack_Cheese · World Chat Champion Joined: 14 Jul 2005 Karma :

Yeah, you'll get your double ncb. How long is left on your NSR policy? is it not worth taking out a new policy on both bikes?

Jack
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colin1 · Captain Safety Joined: 17 Feb 2005 Karma :

i got quotes with ebike for pay as you go and for pay all in one lump some at the start.

Its a lot cheaper if you pay all at the start.
If you are broke, its worth getting a bank loan.

Its about 30% more if you do pay as you go.
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jonnay · World Chat Champion Joined: 16 Mar 2005 Karma :

Word of warning, make sure you decline legal cover. Even if they say "it's free" Rolling Eyes

I had it with one of the peds insurance policies, cancelled it 2 months later, and had the legal cover deducted. They then decided I HAD, infact, paid for it, even though they'd reassured me it was free and nothing would be taken out the refund.

I spent £250 on that policy, and got all of £85 back (cheque still yet to arrive). I'm not very good at arguing my case, so I'll take it as a warning this time, but won't make the same mistake again.

MCE Thumbs Down

Jon
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::'04 Yamaha Jog:: || ::'01 Honda NSR:: || ::'00 Suzuki Swift:: || ::'89 Swift GTi:: || ::'96 Swift Poverty Spec:: || ::'92 Swift GTi::

carvell · Scuttler Joined: 05 Sep 2003 Karma :

You'll want it when you have to fork out tens of thousands of pounds of solicitor's fees.

Don't decline it!
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jonnay · World Chat Champion Joined: 16 Mar 2005 Karma :

True, if you're keeping the policy for a year, you might as well have it, but if you're keeping it for like a month (like I think you're on about?), I'd think about it...

Jon
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::'04 Yamaha Jog:: || ::'01 Honda NSR:: || ::'00 Suzuki Swift:: || ::'89 Swift GTi:: || ::'96 Swift Poverty Spec:: || ::'92 Swift GTi::

Stevie B · Crazy Courier Joined: 22 Apr 2005 Karma :

I went with ebike on my fzr 600 for a month. they seemed fine, comms were good and paperwork sent quickly.

As soon as you've paid for your first months cover they provide you with a cover note which you can print off and use as a legal document while you wait for the official paperwork to come through the post.
Concerning the DD, just cancel it through the bank. You can cancel your policy online, i did it the night before my next DD payment was due to come out.

Hope this helps.

Steve

JGY6000 · Trackday Trickster Joined: 25 Sep 2005 Karma :

so what this means if you only want insurance for say 1 or 2 months you can take out the policy and cancel it after a few months and thats it?

how much does that work out to then

Ichy · World Chat Champion Joined: 15 Jul 2005 Karma :

I used Ebike this year because they were simply the cheapest with legal cover and breakdown. At the time I was interested in the fact that I could reduce the cover over winter while the bike was locked up but since it only cost about £100 a year its not worth the hassle of logging in and changing it.

Legal cover is priceless if you ever use it, but thats up to you, not everyone is as lazy as me.

Just remember when you put a claim in that it doesn't matter how much it cost, its how long it takes them to deal with it that matters.

Tell your dad to cancel a direct debit at random, its amazing how quick they send a letter telling you they haven't been paid.

Stevie B · Crazy Courier Joined: 22 Apr 2005 Karma :

@ Jose - the whole point of ebike's pay as you go system is that you pay a direct debit every month for insurance so in theory you are only insuring yourself for one month at a time hence pay as you go.

It's obviously more expensive per month than a yearly contract but also more convenient.

Steve

Raffles_Gentleman Thug · Trackday Trickster Joined: 02 Aug 2004 Karma :

Hmm im not sure about them, i cancelled my insurance with them, they carried on debiting my account for 3 months. they gave me 2 months back though.
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