Insurance who to avoid..

[N cee thirty]

3 best quotes have come up as Express insurance, The green insurance company and kwikfit insurance...

done a quick search on here and express are terrible apparently, what about the other 2? anyone else had problems with them?
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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

[J.M.]

Think they're all the same underwriter. Those are the 3 companies which wanted to take my quote from £220 to around the £8000-9000 region for modifying it with an alarm.

Adding an alarm and a tankpad... well... that just made me uninsurable.

I paid £100 extra last year to go with WickedQuotes... and I'll be doing the same this year.
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2004 R1 & 2018 XSR900

[i.p.phrealy]

I went with Green, and when my bike got nicked it ended up costing me £250 as they wouldn't sell me gap insurance on the policy to cover any possible difference between the cost of the bike and the amount owing on finance. they also refused to pay out the market value of the bike, saying that what they were offering was the maximum they would pay out. Green, Kwik Fit and Express are all one and the same company, and they are crap.
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it is impossible to lick your own elbow...
and if you just tried you need professional help.
Finally allowed a big bike 19/03/14!

[Paulington]

I will repeat this time and time again, get a quote from "Ramasis Insurance" (also known as WickedQuotes, but go to the Ramasis site directly) as not only are they pretty cheap and definitely "in the range" of proper insurance prices for the vast majority of people, they also know what they are doing and really do want to help you.

For my XV535 insurance, I was paying £350 TPFT for the year with a £1000 voluntary excess + £500 compulsory excess. When it came time to renew the man spent a little while on the phone with me and worked it (doing several quotes for me I believe) so that I gained breakdown cover, more legal cover, protected NCB and a voluntary excess reduction from £1000 to £100 and managed to get my quote from £350 TPFT to £320 TPFT with an extra one year NCB.

The way I have seen it in my experience is that they actually want your business, they pretty much always answer the phone in around four rings and you always get through to a human who knows what they are doing. Plus you can specify certain policy addons like protected NCB/ride other bikes etc, which is why I use them as no other insurer would give me ride other bikes.

I can't tell you who to avoid (apart from MCE) but I can tell you who to check out, and Ramasis Insurance are one of those you really should pay attention to.

Site: https://www.ramasis.co.uk.

Cheers!
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[N cee thirty]

Been with wicked quotes for 2 years on the fazer, so know full well who they are and they're quoting triple the ones i posted have done.

suppose I'll have to go with one of them,although the bike in question isn't going to be ridden much at all.
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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

[moppy]

Im with Express Insurance, havent had any problems, but then havent had to make a claim. Did take out their breakdown cover as well which I cant recommend highly enough.

[Shaft]

Is it for the X5?
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Things get better with age; I'm close to being magnificent........
20 RE Interceptor, 83 Z1100A3, 83 GS650 Katana
WooHoo, I'm a Man Point Millionaire! https://www.bikechatforums.com/viewtopic.php?t=234035

[N cee thirty]

[Shaft]

That's a very good price.

All my bikes fall into the classic category (over 25 years old) so I use Carole Nash for their specialist policy; they don't do comparison sites, so you have to phone them up, but I've never found anyone to touch them yet.
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Things get better with age; I'm close to being magnificent........
20 RE Interceptor, 83 Z1100A3, 83 GS650 Katana
WooHoo, I'm a Man Point Millionaire! https://www.bikechatforums.com/viewtopic.php?t=234035

[N cee thirty]

hmm might try them, but heard classic policies only apply to people aged over 25 aswell
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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

[Shaft]

I'm afraid I can't advise you on that, since I'm 47, but I live in a pretty high risk area, haven't declared any security and pay about £300 for fully comp, which I think is damn good value, given what it could cost if I threw one of mine up the road.

On the flipside, I haven't made a claim yet and it's difficult to make like for like comparisons.
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Things get better with age; I'm close to being magnificent........
20 RE Interceptor, 83 Z1100A3, 83 GS650 Katana
WooHoo, I'm a Man Point Millionaire! https://www.bikechatforums.com/viewtopic.php?t=234035

[Qwiktune]

Im with express insurance, never had any problems. Paid out quickly and fairly when my bike got stolen. I moved to RAC which were fine until i wanted to change the bike over. They wanted £1300 TPFT.

I rang up express insurance up and they gave me a quote directly for my new one cheaper than anything on the comparison sites by £200 and cheaper than what RAC wanted for the new one by £900.

RAC were just being cunts because they either wanted their cancellation fee or for me to just accept their new premium.
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CBT Passed: 25.05.11, Theory Passed: 12.07.11, MOD1 Passed: 01.04.12, MOD2 Passed: 20.07.12
bikes: Lifan LF125(stolen), Sukida sk125, GPZ 600r, CBR 600F

[P.]

[N cee thirty]

seems paulingtons getting shafted by them

tis £240 on the fazer with added extra's via wicked quotes.
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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

[J.M.]

Very reasonable quotes for me. I paid £380 last year on the '04 GS500F. Not cheap but I was 18 and only had 6 months experience to declare despite riding for 12 months. (6 months provisional before taking tests). Also 1 years NCB.

A month after taking out the policy I crashed the bike which resulted in a £1500 claim against me. It was my fault and the guy I crashed in to was a great bloke. Only claimed minimally to get the vehicle fixed, didn't try and land any personal injury money or anything. Even said he would be happy for me to pay cash and avoid insurance... but I couldn't afford it.

I've ran some quotes for next year. Same bike, 19, 1 year 6 months since getting my full licence, 0 NCB, £1500 fault accident declared. Quote... £380.
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2004 R1 & 2018 XSR900

[TomGT]

avoid Equity Red Star underwriters at all costs, they were a pain in the arse when they made a mistake and had to pay me for a recovery which they made in error.

Now I've got an ongoing claim against me which I know nothing about, when I ring up they say it's being dealt with by x, I ask them to transfer me and I end up at the switchboard who tell me that that x doesn't exist!

I'm now with KGM, hopefully I won't have to find out if they're any good.
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1992 ZXR 400

[Walloper]

I use Moneysupermarket for main quotes then do some non comparison site brokers for 'comparison'
Money supermarket always comes beck cheapest.
I have two policies with Bennetts now who I have NEVER had any real issue with and they are very good on the phone.

Carole Nash were shite and expensive every time. Quoting £500 when I could do it with Bennetts for £250
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W-ireless A-rtificial L-ifeform L-imited to O-bservation P-eacekeeping and E-fficient R-epair

[P.]

On topic though... H&R, low prices direct from their site but if you are restricted they do put up a fight about the certificate

[TomGT]

[P.]

Uhuh, but they asked for a restriction certificate.

I didn't have, nor need one.

[TomGT]

[P.]

Fuck doing that.

[i.p.phrealy]

[Imperial_Maniac]

[ocatoro]

express are kwik fit.... and both are crooks
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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