Insurance :(

[Glenben92]

Right I've been insured on the 125 since the beginning of last june, so it obviously doesn't run out until the beginning of this june. I have one years full NCB and will have another years NCB in 2 months or so. I can't afford to insure the GPZ with just the 1 years NCB and I don't like the idea of losing a year for the sake of 2 months anyway. But waiting 2 months with a gorgeous bike sitting staring at me is HELL. There's absolutely sod all I can do about it as far as I know, I'd need an insurance company to accept the 10 months as a year but my current insurer won't give me it. Is there ANY way I can get insured sooner rather than later without having to pay 1 years NCB premiums and without losing the 10 months i've built up?

P.S I've asked Rampdale (current insurer) if they'd be willing to give me the full year, stingey bastards won't.
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[pits]

Wrong insurance thread.


More than likely stuffed for two months

HTH

[UKRedwing]

I'm confused, why can't you just make mid term adjustment to the policy, I.e change the insurance over to the gpz? Or you don't want to be with the same company?

[Renton]

[UKRedwing]

Pfft I'm sure 1 extra years ncb doesn't make that much difference on a gpz500... I know it made fuckall difference on my zx6rs and gsxr 600. Surely if its the same company and you ring them up to swap bikes over they will take into account the extra 10 months ncb you have with them?

[Renton]

[JP7]

I'm afraid you won't get a year's NCB if you haven't done the whole year. Not unless you were on a bonus accelerator, which I don't think you can get for bikes?

I'm afraid the best option is to stick with it until June and pocket your two years NCB.

[Glenben92]

[Glenben92]

it's looking like my only real option left is to either wait OR get temporary insurance for the GPZ for 2 months (i.e. both bikes would be insured and the 125's policy would just be left to run out). obviously i couldn't use my NCB on this temp cover, but it's my only real option as it stands. can anyone suggest where will do decent priced monthly cover?
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[JP7]

www.flexirider.co.uk

www.dayinsure.com

Those are a couple of the more major companies, but temporary insurance isn't usually all that good value.

[Glenben92]

They're coming out quite hefty as well.

Is there any way i'd be able to insure the GPZ on a FULL years policy but add the NCB after 2 months to reduce the price for the rest of the year? i.e. 2 months insured at price with no NCB, next 10 months priced with 2 years NCB because after then it'd be freed up for use.

Getting desperate here
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[N cee thirty]

how much are they charging you ? :S

its only like £400 for my fazer
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'00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30 Mod 2 Passed 09/06/2011

Jewlio Iglesias wrote: I actually did vote BNP once

[UKRedwing]

[JP7]

[Glenben92]

[iooi]

[Glenben92]

Just like to clear up, I don't pay monthly for my insurance, I pay annually.

It's looking like i'm gonna have to just bite the bullet and wait. I had to pull the 125 out lastnight to go to a friends. pulling that out when there's a gorgeous fresh GPZ sitting there is AGONY. I'm not going to enjoy the next two months.
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[Glenben92]

Is anybody able to give me a list / recommendation of which insurers do NOT charge a cancellation fee.

The plan now is to find a company who doesn't, take out monthly cover using 0 NCB and cancel it after 2 months, at which point I can re-insure using my full 2 years NCB.

It's gonna work out cheaper than temp cover even WITH the cancellation fee, but obviously i'd like to avoid it.
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57 Huoniao HN125-8 - , 97 Kawasaki GPZ500S -
99 Yamaha FZS 600 -
Mod 2 Passed - 01/10/2010

[Kwaks]

get the best price for companies using 2 yrs NCB.


Then get their price for with 1 NCB, remove the full year you have on the 125and transfer it over. Ensure the new company will allow you to add on the second years NCB in two months time. Both bikes insured and no loss of entitlement, just ensure they will recombine the two bonuses when you get them.
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Fallen Angel "Nae sniffing my seat now!!!!! "
www.cliqueycuntsmcc.co.uk
I AM NOT A FAST RIDER!!!!!!!!!

[Glenben92]

[Rogerborg]

Hang on, how much is the GPz worth, and what level of cover are you going for?

Remember, unless you're going to net at least £500 after subtracting your excess then it's not worth claiming since you'll pay more than that in increased premiums over the next 5 years. Consider that you'll get nobbed on every policy for every vehicle that you have or are likely to have for the next half decade.

If you're not going to claim on fire and theft, then consider insuring the bike as lower than its actual value, and inflating the security: list it as having the best Thatcham/Secure ground anchor system on the list.

Do this even (actually, especially) if you're going for third party only, since value and security are clearly not a risk factor for 3rd party, and it's their own daft fault if they lower your risk and premium because of it.

Higher risk wheezes would be listing the bike as being datatagged, immobilised, or stored at a different (lower risk) address. If you're only really paying for 3rd party cover then consider the things that a court might agree are not material for that type of risk.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[MinhDinh]

They say patience is a virtue.

Just wait two months, it saves you money, and there's a lot less hassle.

Have you tried MCE insurance? They are pretty good.
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Hit the G spot.

[JP7]

[Kwaks]

[Glenben92]