Can't get insurance

[TravisBickle]

Can't get insurance for the MXR I'm picking up today.

Using Compare The Market and also tried Bennetts website.

I've tried adjusting different variables to see if I can get to the bottom of why they won't quote me, but no good.

I know the system isn't picking up the new registration yet, tried entering the bike manually, even tried different models of bikes.

Nothing coming back.

Any ideas why this might be?

39yo, 5 years NCB, no accidents, only one SP30
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2024 BMW M1000XR
2021 Honda CMX500 Rebel S
2016 Triumph Tiger 1050 Sport

[MarJay]

Where do you live? Do you have a brick garage? what mileage are you putting in? Did you not get a quote before you committed to buy?
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[A100man]

Call a broker, dem web-sites ain't always good shit..

What's an MXR?
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Now: A100, GT250A, XJ598, FZ750

Then: Fizz, RS200, KL250, XJ550, Laverda Alpina, XJ600, FZS600

[MarJay]

It's either a tiny electric motocross bike or a BMW M1000XR.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[Ste]

You've tried two websites so I think you should try some more and phone some brokers.

You say you've tried adjusting variables, have you tried changing your address to a rural area with expensive house prices and low crime rates? Find somewhere suitable on rightmove and use that.

[rpsmith79]

And you didn't think to check insurance costs before buying because..........?
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Current Bike: Honda CG125 ES4 // Honda CB600FS Hornet // Triumph Street Triple R

[Easy-X]

I mean, why would you... that being said I looked at the insurance cost of the 401 vs Duke 390 and the latter was ~£100 more for what is essentially the same bike.
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Royal Enfield Continental GT 535, Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[to v or not to v]

try phoning companies. onecall were the cheapest i found this year.
https://www.onecallinsurance.co.uk
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current bike Yamaha Thunderace.
Moto Guzzi V7.

[TravisBickle]

[TravisBickle]

Spent all day on the phone and internet to different insurers and brokers.

Nobody would quote me.

Turns out it was down to two things:

1) it's not garaged

2) my 5 NCD are tied up on another policy

Playing with either (but not both) variables yielded no joy, had to do BOTH to get anyone to quote me. So I've now got to garage the bike at another address in the meantime and cancel my other policy to use the NCD from it.

Didn't have this with the Multi Pikes Peak when that was new. I mean it wasn't easy or cheap to get cover, but I was able to sort it in the end. Plus a lot less stressful as it was delivered to me so other than having an uninsured bike on my driveway not a big deal, whereas today I was kinda stranded at the dealer trying to sort this out all day before I could leave (or get a lift home and leave the bike there which I didn't want to do).

Not ideal circumstances, but MXR is now on cover.

Thanks for all the replies and suggestions.

I believe there's a 14 day cooling off period so might eek that out and cancel if I can get a better deal once the registration appears on the database.
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2024 BMW M1000XR
2021 Honda CMX500 Rebel S
2016 Triumph Tiger 1050 Sport

[rpsmith79]

[Easy-X]

No, you are being eminently sensible. More a case of getting past the "danger zone" of 16~35yo and assuming things will be fine
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Royal Enfield Continental GT 535, Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[that_impulse_guy]

[Easy-X]

Now it makes sense! Thanks. I'm guessing fewer Husqvarna 125s (I've never seen one in the wild) and let's see...

Twice as many Duke 125 vs. Svartpilen 125 listed on FleaBay. Second hand Vitpilen 125 are almost not a thing.

The subframe is the only substantive difference between the Huskies and KTMs which reveals how thick the people are that do such engine swaps
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Royal Enfield Continental GT 535, Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Easy-X]

This thread has prompted me to check my own insurance (renewal is in July so not far off.)

Looks like I'll be kicking Bennetts in favour of... well anyone really (according to the Meerkats) most quotes are £50~£100 less than my current insurance. The official renewal is yet to hit the doormat but I doubt it'll be much different.
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Royal Enfield Continental GT 535, Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[MarJay]

[TravisBickle]

[P.]

Sure it's low crime, it's Kent. You have instant links to Tonbridge pikey site and also the short way through to London via sevenoaks.

My postcode near there in Wateringbury was about 2x the price of my Sittingbourne postcode which was OBSCENE.

[A100man]

might be cheaper to build or rent a garage.
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Now: A100, GT250A, XJ598, FZ750

Then: Fizz, RS200, KL250, XJ550, Laverda Alpina, XJ600, FZS600

[A100man]

[Prawny]

I remember BITD when I was a personal lines insurance underwriter Norwich Union as it was wouldn't cover group 17 bikes for anyone without a garage and 5 years NCD, that was in 2006/7.

Don't forget that Bennets will treat a shed as a garage as long as its got a solid base, might be worth looking into. a wooden shed chucked on some slabs would do the trick and not cost much as long as you've got access.
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Yamaha Vity 125 (gone) Kawasaki ER6N(dead) 2022 Royal Enfield Meteor 350 (nicked) 2003 DL1000 V Strom

[Evil Hans]

[DJP]

I dunno what world the policy writers live in. I've only had one address with a brick garage - the others have all been concrete panel construction. And I can't see a single skin brick wall being any stronger.
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Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
That's http not https

[TravisBickle]

[Prawny]

You could get an asgard - might need planning permission for the front garden.

I need to sort something for me, my bike lives on the drive, low crime area, still had one nicked and the other is rotting away. Got space down the side of the house but it's grass in front and the Mrs is growing potatoes there at the mo. I do like potatoes.
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Yamaha Vity 125 (gone) Kawasaki ER6N(dead) 2022 Royal Enfield Meteor 350 (nicked) 2003 DL1000 V Strom