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| U_W v2.0 |
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 U_W v2.0 World Chat Champion

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| .Chris. |
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 .Chris. World Chat Champion

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| Vracktal |
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 Vracktal World Chat Champion

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| U_W v2.0 |
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 U_W v2.0 World Chat Champion

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| BigDan1190 |
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 BigDan1190 Could Be A Chat Bot

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| ocatoro |
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 ocatoro World Chat Champion

Joined: 06 Sep 2012 Karma :  
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 Posted: 23:03 - 09 Oct 2012 Post subject: |
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it's not great fella, but depends on your age and location. i just did a quote for same bike and same circumstances "just passed".
comes back cheapest from bennetts at £78.41. or £15.79 and 10 lots of £7.14. also 3pf&t and only £150 total excess. ____________________ CBT - 17/09/12 * Theory - 23/10/12 * Mod1 - 05/03/13 * Mod2 - 25/03/13 * BOSH!
Current - None but shed project H100 (first bike )
Past - ER5, '93 ZZR600, '92 CB400 SF, ZZR600 (again), yellow Monster 620, Blackbird - black Monster 620ie - '96 ZZR600 |
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| U_W v2.0 |
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 U_W v2.0 World Chat Champion

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| Teflon-Mike |
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 Teflon-Mike tl;dr

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| P. |
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 P. Red Rocket
Joined: 14 Feb 2008 Karma :   
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 Posted: 06:21 - 10 Oct 2012 Post subject: |
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TPFT is usually cheaper
good deal to me! |
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| Pol Anorl |
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 Pol Anorl Banned

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| Rogerborg |
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 Rogerborg nimbA

Joined: 26 Oct 2010 Karma :    
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 Posted: 08:31 - 10 Oct 2012 Post subject: |
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| Usually_Wrong wrote: | had the provi since i was 16. although i dont know if that makes any difference to the price. |
It shouldn't, since you should be putting down "0 years" as your license duration.
Be sure that you're answering the question that they're asking. Up to now, you've been putting down "provisional license" which really means provisional A entitlement, it's not a license per se.
The moment you pass your mod 2, you have a license but are knocked back to 0 years again. Sucks, but that's how it works. Some people might have been getting away with counting their provisional duration, but that's all it is - getting away with it.
In future, you (and I) have to be very careful to read whether we're being asked when we passed our tests, or how long we've had "a" license, or how long we've had our current category, i.e. the "From" date on the license, which gets reset when we go from A<=25kW to A (or in the future A2 -> A).
Ombudsman agrees.
On that value of bike I'd agree that the excess is either too high or too low. Minimise it or maximise it (and under-value the bike and treat it as a TPO policy). Try TPO and Fully Comp as well, you might get lucky.
Also, I'd forget about any legal cover. If you have a valid claim against someone else, then any ambulance chaser will take your case. If there's a claim against you, your insurer will fight it, since it's in their interest to do so. What other "assistance" are you paying for?
| Usually_Wrong wrote: | dont do a shereen. |
Meee-OW.  ____________________ 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 |
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| tahrey |
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 tahrey World Chat Champion
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| U_W v2.0 |
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 U_W v2.0 World Chat Champion

Joined: 07 May 2012 Karma :  
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 Posted: 17:43 - 10 Oct 2012 Post subject: |
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um....go compare, just wanted a reference quote really so thats probably not the BEST i can do, but seemed fairly reasonable as my no frills TPO 125 costs me £270 for the year  ____________________ BCF's biggest cunt list: Cansa, Pits, Rob |
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| waffles |
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 waffles World Chat Champion

Joined: 04 Oct 2009 Karma :   
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 Posted: 17:59 - 10 Oct 2012 Post subject: |
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£200 for any vehicle in Thanet sounds like a bargain to me
Have you fiddled around with quotes putting beefy security on to see if that brings down the quote at all? ____________________ Theory test - 19/8/09, CBT - 11/10/09, MOD 1 - 16/8/10, MOD 2 - 27/10/10
Past rides Yamaha XT125X, Triumph TT600, Honda XR250
Current rides Suzuki GSXR 600, Honda MSX125 |
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| U_W v2.0 |
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 U_W v2.0 World Chat Champion

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| .Chris. |
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 .Chris. World Chat Champion

Joined: 09 Jun 2007 Karma :   
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 Posted: 19:03 - 10 Oct 2012 Post subject: |
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| MG |
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 MG Traffic Copper
Joined: 10 Oct 2011 Karma :     
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| Magnet |
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 Magnet Crazy Courier

Joined: 13 Aug 2012 Karma :  
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 Posted: 19:31 - 10 Oct 2012 Post subject: |
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I paid £90 TPO, no excess for my GPZ600R through H&R insurance. I am however 37 though  ____________________ It’s not that I’m so smart, it’s just that I stay with problems longer.
GPZ600R Sold, Now ZZR600 |
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| Rogue_Shadow |
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 Rogue_Shadow World Chat Champion
Joined: 10 May 2012 Karma :   
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 Posted: 21:51 - 10 Oct 2012 Post subject: |
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Quite interested in how much people paid to amend the policy mid term after passing.
Hoping to get a SV650 when I pass and call up my insurance to amended my current policy. Hoping it wont cost too much seeing estimate quotes make it cheaper on a new policy than my original 125 policy is now  |
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| Magnet |
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 Magnet Crazy Courier

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| Rogue_Shadow |
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 Rogue_Shadow World Chat Champion
Joined: 10 May 2012 Karma :   
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 Posted: 22:16 - 10 Oct 2012 Post subject: |
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Yea that's the route I may have to take
Cancel the policy and get refunded minus the admin fee, then take out a new policy.
Lose my 4/5 month ncb ... the horror  |
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| tahrey |
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 tahrey World Chat Champion
Joined: 07 Jul 2010 Karma :   
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 Posted: 09:29 - 11 Oct 2012 Post subject: |
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| Usually_Wrong wrote: | | waffles wrote: | £200 for any vehicle in Thanet sounds like a bargain to me
Have you fiddled around with quotes putting beefy security on to see if that brings down the quote at all? |
that requires patients. something i lack |
You haven't got 30 minutes to an hour to spend checking what the websites will actually quote you, yet you can come on here asking about it in a thread spreading over 36 hours so far? Erm.
https://www.moneysavingexpert.com/insurance/cheap-motorbike-scooter-insurance
^ follow that guide in fullness and see if it helps you any. Be wary of the absolute cheapest quotes as often the companies - and more importantly the cover - is/are very basic, has insane excess and a bunch of exclusions, poor payout caps for 3rd party and serious injuries etc... or with terrible customer service records.
(EG Having seen the pasting they get by dissatisfied riders and drivers, I will never personally touch anything involved with eSure... which also includes Sheila's Wheels and a few other shell companies... they're usually easy to spot as the prices are all the same except by a certain, fixed amount depending on your status (such as, if you're a bloke, Sheila's Wheels is always £10 more expensive than eSure for the same policy, and vice-versa for women). Swiftcover also gets the swerve.)
Find one that looks at least halfway reputable, put all the details in as accurately as you can, check that all their "assumptions" are correct (some of them will put wacky figures for your mileage & so forth, if they don't ask you to specify it upfront), then play with the settings to see what better security & the like could save you, and how much the useful add-ons are.
(I will personally never do without Legal Cover again after the sheer amount of cocking about with solicitors that was required after a disputed accident where someone ran into me but claimed it was the other way around, and there were no witnesses or cameras. More than a year later and what would have been £thousands in legal bills, I came out of it with a clean insurance record, retained NCD, the third party's insurer covering my payout and theirs - and therefore much lower premiums the next year. I may well have been able to represent myself, but nowhere near as professionally and effectively, and would have had to take many days off work to do so... £20 a year? Worth it.)
After that take the quote number, give them a ring, and see if the phone jockeys can't get you down closer to what the super-cheap bunch were offering. |
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Old Thread Alert!
The last post was made 13 years, 82 days ago. Instead of replying here, would creating a new thread be more useful? |
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