Insurance Companies Reviews / Pricing

[Jayy]

I wonder whether this is a good idea or not? Basically collate everyone's insurance companies, prices and reviews in one thread here for others to look through and compare.

Maybe we can tot up the best and edit at the top of the thread or something later down the line.

Without giving away too much information and just the needed stuff to help others. Feel free to suggest an alternative template as well or mods edit it?

Template...

Insurance Company:

Type of cover (TP, TPF&T or FC):

Premium paid:

Excess:

Convictions:

Security:

Included Extras:

Your Bike model:

Your Bike Value:

Your Age:

How long have you been riding:

NCB:

Where did you take your policy out (Phone/online):

How would you rate your insurance company out of 10?

Comment/review:

[Clutchy]

Age is the biggest factor so I'd probably include that
____________________
Malaguti F12 Phantom-Dead, Suzuki AY50- Dead, NRG power DD LQ, CBR125.
*33 BHP restriction up on 10/12/14* Current bikes/car: SV 650 S/ MKIV GOLF
Guide to pass your test with no lessons!

[Jayy]

Added age and where did you take the policy out.

I spent 3 hours looking and saved myself £200 in the end... would have been cool to look at a thread like this and see someone mention some information like this.

[Clutchy]

Insurance Company: Wicked quotes

Type of cover TPF&T

Premium paid: £600

Excess: £250

Included Extras: Full system exhaust upgrade and 33bhp restriction

Your Bike model: SV 650 S

Your Bike Value: £1450

How long have you been riding: Since the age of 16, full license in December 2012

NCB:1

How would you rate your insurance company out of 10? No problems at all so 10

Age: 18 at the time

Comment/review: Paid £600 which goes down to £190 at renewal next august. Never asked for proof of restriction, only rider details.




CAR INSURANCE
Insurance Company: Diamond

Type of cover TPF&T

Premium paid: £1,900

Excess: £500

Included Extras: NONE

Your Car model: MK 4 GOLF

Your Car Value: £1000

How long have you been Driving: Insured on the day I passed

NCB: 0

How would you rate your insurance company out of 10?

10, no problems and were cheapest.
Comment/review: Meh
____________________
Malaguti F12 Phantom-Dead, Suzuki AY50- Dead, NRG power DD LQ, CBR125.
*33 BHP restriction up on 10/12/14* Current bikes/car: SV 650 S/ MKIV GOLF
Guide to pass your test with no lessons!

[Monkeypony]

Insurance Company: MCE

Type of cover (TP, TPF&T or FC):TPF&T

Premium paid: £150

Excess: £500

Included Extras: All mods

Your Bike model: 2008 Suzuki Hayabusa

Your Bike Value: £6.5K

Your Age: 36

How long have you been riding:

NCB: 2 Years

Where did you take your policy out (Phone/online): Online

How would you rate your insurance company out of 10? Other then them taking my money, I've had no dealings with them.
____________________
Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)

[dydey90]

I've come to the conclusion that they just think of a number and add a zero. My brother passed his driving test today, so I ran him a quote for a 1.1 Fiat Sceicento. £1800.
Then, to wind him up I did a quote for my car (1.8 VVTi SRi Astra), which came back at £1780~


____________________
This post is probably not serious and shouldn't be taken literally.
Past: CBR125,ER6f NINJA 650, ZZR600 Current: VFR750

[MuffinMenace]

[Az]

Insurance Company: MCE

Type of cover (TP, TPF&T or FC): TPF&T

Premium paid: £300

Excess: £500

Included Extras: Micron exhaust system and 47bhp restrictors

Your Bike model: Bandit 600, 2000 reg/mk2

Your Bike Value: £1,500

Your Age: 19

How long had you been riding: 17 months (on a CBT). I insured the bike the day I'd passed my test, so i'd only held a full license for like half an hour when the policy was taken out

NCB: 1 year

Where did you take your policy out (Phone/online):
Online (TheBikeInsurer.com) and phone. I then used the quote reference off the comparison site, called them up and took the policy out over the phone.

How would you rate your insurance company out of 10? 7/10

Comment/review:
They called me twice with nuisance calls asking me if i'd like to take out some NCB protector, it was kind of annoying as i'd refused them once yet they called back a few days later asking the same question.
On a positive note, they added my restrictors into the policy for no extra charge, which i've been told normally puts the price of your insurance up when you declare restrictors and taking the policy out was a stress free and easy process.
Although, i've never had to claim or cancel a policy with them, so unsure how they'd be in those circumstances.

[P.]

Insurance Company: H&R

Type of cover (TP, TPF&T or FC): FC

Premium paid: £119

Excess: £0

Included Extras: Europe usual..

Your Bike model: Honda Blackbird

Your Bike Value: £2200

Your Age: 25

How long have you been riding: 7 Years

NCB: 3

Where did you take your policy out (Phone/online): Online

How would you rate your insurance company out of 10? 8

Comment/review: Typical insurer, nothing bad to report, nothing good.

===============================================

Insurance Company: Hastings

Type of cover (TP, TPF&T or FC): TPFT

Premium paid: £120

Excess: £0

Included Extras: Europe

Your Bike model: KTM 200 EXC

Your Bike Value: £1200

Your Age: 25

How long have you been riding: 7 years

NCB: 0

Where did you take your policy out (Phone/online): Online

How would you rate your insurance company out of 10? 8

Comment/review: Again, nothing bad.

===============================================

Insurance Company: Admiral

Type of cover (TP, TPF&T or FC): FC

Premium paid: £349

Excess: £0

Included Extras: Europe, breakdown

Your Car model: Toyota MR2 Roadster

Your Car Value: £1600

Your Age: 25

How long have you been riding: 7 years

NCB: 4

Where did you take your policy out (Phone/online): Online

How would you rate your insurance company out of 10? 9

Comment/review: If you are hunting for a car, choose a weird one most little 17 year old fuck ups won't drive, bright yellow hairdressers ones for example. Admiral are cheap as.

[-Matt-]

Not a bad idea for interests-sake i'm skeptical if theres such thing as a good insurance company, think its just pot-luck if you get a good price/good experience. If you make a claim you probably start getting a better idea how they all really operate - all a bunch of honest, fine, good people looking out for the little man

Insurance Company: MCE

Type of cover (TP, TPF&T or FC): FC

Premium paid: 200

Excess: 600

Included Extras: Protected NCB [upto 2 claims per year I think].
IUK Breakdown [outside 1 mile of home].
Riding other bikers [think its standard over 21 apparently].
Helmet and leather cover.
Maybe legal cover, can't even remember, don't care for them now having read peoples opinions on here though.

Your Bike model: 2005 ZX6R

Your Bike Value: Left it at 4000 since I got it, isn't worth that now tbh

Your Age: 24

How long have you been riding: 6.5 years

NCB: 6 years

Where did you take your policy out (Phone/online): Thebikeinsurer - Emailed them directly to get 'written' confirmation of a few things with the quote reference, then rang them to discuss and haggle it based on email/pay.

How would you rate your insurance company out of 10? So far no worries but I haven't really contacted them

Comment/review: Was with Bikesure for 3 years before which I didn't have any problems with either to be honest but this was a lot cheaper this year. Previous years for TPFT I paid 800/650/450. TPFT with MCE would of now been 150.

Oh and the car is with Quotemehappy last 2 years.

[1198]

Is the area it's kept in a definate loading factor? Points on licence?

[-Matt-]

[P.]

[Jayy]

[P.]

[Jayy]

This is already interesting, few people with my insurer but I do have some convictions declared...



Insurance Company: MCE

Type of cover (TP, TPF&T or FC): Fully Comp

Premium paid: £960

Excess: £2,000 !! ( Excess protection is included in my premium of £62 )

Convictions: SP30 (£200 fine, 28 day ban, 0 points) and PC20 (3 points £60 fine) declared.

Included Extras: Exhaust system

Your Bike model: 2014 R1

Your Bike Value: £12,000

Your Age: 29

How long have you been riding: Full license since 2009

NCB: 5

Where did you take your policy out (Phone/online): Online (Compare the Market)

How would you rate your insurance company out of 10? 9/10

Comment/review:

Been with MCE a couple of years now, had the ZX insured for 2 years with them, no issues. Worked out better that I took a new policy out with MCE and cancel my old one, rather than amend the new bike. Did a lot of searching around, confused.com and thebikeinsurer.co.uk came in at £200 more than comparethemarket.com for MCE.

Even after I had taken the policy out, I received about 10 more phone calls asking me if they could help me out with a new policy. Never had to claim with them and on the whole, been pretty good.

======================================

In comparison, my 2004 ZX10R that I had with them was about £600 FC with some extras declared and the convictions with an excess of £1,000.

Why is my excess so high on the R1!?

[barrkel]

I'd put the weighting factors in approximately this order of significance:

Location, age, type of bike, prior claims, NCB, experience

I know some job titles can do weird things to quotes, but I believe most are just rounding differences. And of course serious convictions will be bad news.

Note that no-fault claims do load your insurance when you pick up a few.

I'm 34, riding about 5 years, 3 years NCB, and pay H&R 350 TPO for 3k worth of VFR800. TPFT is over 1200 IIRC, FC would probably approach 2000, but it's been a while since I bothered getting a quote for FC (usually only do it for laughs). I live in London E3. If it's not chained down, it walks.

SH300 is about 180 TPO with 2 years NCB. I have it insured under a separate policy because it saved a bunch of money at the time, not sure it would any more though.
____________________
Bikes: S1000R, SH350; Exes: Vity 125, PS125, YBR125, ER6f, VFR800, Brutale 920, CB600F, SH300x4
Best road ever ridden: www.youtube.com/watch?v=s2MhNxUEYtQ

[P.]

Why is your insurance so high

I paid less than 1/3 of what you are paying on the R1 on my R1, along with 3 other bikes!!! Multi bike policy for all 4 costs under £300.

Shiiiiiit. I have convictions and claims totaling a lot...

[Jayy]

Exactly mate!

I live in a nice area, low to fuck all crime, self employed web developer of 5+ years in current company.

Why the fuck is my insurance so much?

[P.]

[Northern Monkey]

Is this like the worlds shittest version of comparethemarket, when I can get exact figures for any bike?

[P.]

[Jayy]

Then it must be the speeding ban which is hammering it, I doubt insurers like the idea that someone has been banned for speeding, even though it was only 28 days.

I'd image a drink driving ban will hammer your premium too.

The PC20 was for filtering past a vehicle on zig zag lines at about 3mph... twats.

[Jayy]

[Benjums]

Insurance Company: wicked quotes

Type of cover (TP, TPF&T or FC): fully comp

Premium paid:
£110
Excess:
£200
Convictions:
0
Security: garaged

Included Extras:
Don't know if these count but, ride any other bike, Europe travel
Your Bike model:
Suzuki bandit 2001
Your Bike Value:
£1000
Your Age:33

How long have you been riding: 4 months

NCB: 0

Where did you take your policy out (Phone/online): tesco compare

How would you rate your insurance company out of 10?
No problems so far so 10
Comment/review: seem ok so far so can't comment (if I have to claim then I will let you know)