Insuring two bikes ...

[TCFA]

So I found out this is harder than I thought it would be (or more expensive!)

Until recently I was a meerkat website user - I have my CBR insured for a reasonable premium but a stupid excess (with MCE) - but the other insurers were much more so I lumped it.

Now I'm buying the Tiger (deposit down, yay!) and I found a better comparison site (thebikeinsurer) which has led me to Lexham insurers with a decent rate and excess - if I transfer my NCB to that policy.

If I transfer the NCB, then I have to pay a silly uplift on the CBR with MCE, and still have a whopping XS (£900, on a bike worth probably only twice that).

I asked Lexham to quote for a two bike policy, and it was even worse than having the two policies separately.

So - I think I'm going to uninsure CBR, take it off the road, and turn it into a track project. Even then I will only get £16 back from MCE on a £170 premium after 2 months insured!!!

Any recommendations before I do that?
____________________
Then: Kawasaki ZZR250 > Suzuki Across 250 > Suzuki SV650 > Honda CB750
Now: Honda CBR600F and Triumph Tiger 800 XRT

[arry]

I'd never advocate lying, of course, but:
You could cancel your CBR policy, lump the cancellation charges.
Use last year's schedule as proof of NCD, purchase insurance for both the CBR and the Triumph via two entirely separate providers.
On the Triumph quote, tick that you've only one vehicle, not two.
If the Triumph insurers question that the NCD is from a different vehicle, which they more than likely won't, say that's your old vehicle and you've just bought the new one.
If your CBR insurers question why there's a gap in cover, you had the CBR off the road for repairs.

Two lots of NCD then run on either policy, and all for the price of the cancellation of a crap MCE policy with a massive excess. Not too sad.


Source: Someone very close to me did this very recently with his (or her) new car because men (or women) are devious in this way.

[P.]

I'd go with swinton and say you have 4 years ncb. They won't ask. You don't crash for year. Next year written 5 ncb to go with your other policy.

Could maybe does possibly definitely work most all the time all the time.

[M.C]

MCE have never asked me for proof either.

[colink98]

I called Admiral once about the possibility of adding a 2nd car insurance via a multi vehicular policy.

the quote came back stupid and when I asked about having full no claims the bloke said he can apply the full no claims to either of the vehicles.... but not both at the same time.

hence our insurance didn't double but was more like 6-7 fold.

after a bit of back and forth he just applied the full no claims to both.

I'm positive it was purely an exercise in him trying to get as much comish as possible.

the whole you can only apply no claims to a single vehicle is bollocks.
____________________
PCX125 (stolen) - CBF600 (current)
Ride it like you stole it.
ride sensible and not like an idiot and you wont get 6 points in one week.

[P.]

[DrSnoosnoo]

[P.]

[rpsmith79]

[arry]

[rpsmith79]

And that is why you have protected NCD

But yes, i do see your point

[colink98]

[P.]

So if my moped gets stolen, I lose part of my NCB and make my GSXR more to insure?

Nope plz.

[stevo as b4]

It's of no help to the OP, but the answer for me and I suspect many others is to make sure one of your two bikes or cars is a classic. It does vary on the age accepted by insurance companies as qualifying, some say over 20years, others it's 25/30.

But many classic policys don't accept or require NCB when taking out cover, and if you are doing a limited agreed mileage and have a garage, then classic bike policy's can be pretty cheap IMO.

You can keep your accrued NCB then for insuring your main vehicle on a separate policy.

[TCFA]

I spose I could suck up the extra premium this year for the CBR (a further £270 for the remaining 10 months on top of £170 already paid with an £875 XS and no doubt an admin fee for the pleasure ... errrgh makes me a bit sick) but look forward to accruing NCB on a second policy as the years go on, which may help down the line if I keep the Tiger for touring and want to upgrade the CBR for track/fun ...

question is would I get a decent discount with 1 yr NCB or have to keep paying through the nose until I get a few more.

Common sense says sell the Honda, but I like it! Perhaps I'm too sentimental ...
____________________
Then: Kawasaki ZZR250 > Suzuki Across 250 > Suzuki SV650 > Honda CB750
Now: Honda CBR600F and Triumph Tiger 800 XRT

[stevo as b4]

I'd keep the CBR if possible, simply because if you can afford to put two bikes on the road at the same time, it's always useful to have a spare.

Also it would be a contrast and something different too, and for what you'd probably get for the CBR if you sold it, you'd probably not buy anything better or more interesting. The other benefit is you know your own bike and it's history compared to a random eBay purchase etc.

Finally a CBR 600 would make as good a track day bike as anything else, and is probably cheaper and easier to convert being a popular model.

[Poecilotheria]

I wont pretend to know how all the insurance stuff works because it gets complicated after 1 bike. I can only insure 1 at a time P.Y because the cost gets stupid. Separately with NCB my zx6 is think 354 yr w/ 100 EX, gsx6r 541 yr 100 EX, Cbr600F3 484 and change same EX about 1.380 total. Insurance on 2 adds about 130-240 to policy on top of the 2 individual prices depending on who I try with + more EX. E bike I think was offering the Zx6+gixxer at £1,231 for the year.

So only insure 1 the rest go into storage until the next year. I insure my YBR125 in another location separately but is only 109 a yr but if added to my policy for the zx would be more. Insurance is so complicated and random, but since you can only ride 1 at a time anyway its stupid how it gets jacked up.
____________________
Need more bikes!

[Freddyfruitba...]

[iooi]

[Poecilotheria]

[Commuter_Tim]

[V2]

Ebike do proper multi bike policies, Multi rider too!

[andyscooter]

ive always found it cheaper to have two bikes on one policy then two policies

I have one with over 9 years protected no claims on it though and tend to have bikes that don't go very fast and don't tend to be stolen much
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[arry]

[DrSnoosnoo]