Best tips for cheaper insurance?

[Kal-El]

Anyone know which security options are best for decreasing insurance premiums?
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It says I need a signature, so yeah, here's one.

[andyscooter]

not living in a shit area and owning a chav magnet bike normally helps



you may not live in a shit area
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gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet

[arry]

[JoeDaStudd]

Try removing all the security options (on the quote) and see what happens.
Not sure what exactly happens, but the insurance can work out cheaper.

Plus if it's not on the quote then they can't weasel out of it if you forget to use all the items you listed and it's stolen.

[M.C]

Arry's gonna like this...


LIE!!!!

How far you take it is down to you. I have a tpo policy and declaring the bike was on private property, and not garaged increased it by £30. My mistake then, I do have a garage

Play around with quotes, and don't make any assumptions. Only thing I've not tried is the trick with car insurance, putting a more experienced person down as a second rider. Takes about £500 off a 3k+ quote but dunno what it would do to a bike policy (don't know anyone to add).

There's also a big name insurer who don't check NCD (even come claim time). That's going a bit far for me but just saying

[monkeybiker]

[Rogerborg]

[M.C]

[Kal-El]

Started with £660, now at £502.39
By just listing an alarm instead of "not in list" and garage.

Adding another rider regardless of their experience makes it go up.

Saying i'm employed as a nurse makes it go down another £50, but not sure I should do that, Anyone ever been asked for occupation proof?
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It says I need a signature, so yeah, here's one.

[Rogerborg]

https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/

[M.C]

[M.C]

[Kal]

Immobiliser on the GPZ dropped the premium by £30

Best tip to reduce insurance ius to not ride into things
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Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S

[ZX-7R]

When i worked in the motor trade i was told by an insurer that this gets an increased premium,but would not say why.
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Current Bike - 2000 ZX-7R

[andym]

I've heard a rumour that if you just wear a hoodie that covers part of your face you don't need to pay for insurance.... the police allegedly won't bother you, even if you ride through red lights etc.


I can't imagine there's any truth to it though

[ReadySalted]

A couple of years ago I would have said just have a sex change. (Or keep your meat and two vedge and just lie if you're not adventurous enough).

After all I can't imagine they would ever ask for proof in any circumstance, and if they did you could just tuck everything to the back and send them a photo of your 'mangina' as evidence.

I don't think gender makes much of a difference now though?

[Rogerborg]

[M.C]

I just ran some quotes, cookies etc. cleared & using a different proxy each time.

Mr Adebambo Oduwole & Ms Rachel Riley got exactly the same quotes as each other. Also ran a quote as a bloke with an English sounding name, exactly the same prices again.

[Rogerborg]

Embrace my Wang.
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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

[ReadySalted]

The thing that gets me is that insurance quotes vary hour to hour, day to day.

How on earth can the perceived insurance risk of a bike go up and down on such a regular basis. It has to have more to do with stats, and number juggling by the companies than it has to do with the risk of theft or accident, so it must be a sham - still, tell us something we don't already know.

[Pjay]

I always have 0 voluntary excess, it changes the premium by as little as £10 on the cheapest quote for me.
So paying £250 fixed and £500 voluntary is £750 excess!
Just having a fixed £250 is much easier to swallow come claim time, for the sake of £10.

[Kickstart]

[Rogerborg]

I'm beginning to wonder if inserting my Wang second is what caused unwanted complications.
____________________
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

[Pjay]

Removing your wang is always a good idea.

Things can get awfully expensive otherwise.