Short term insurance gaming

[Sun Wukong]

What you would do if you only wanted to insure a bike until October 2017 (less than 6 months).

- Find a month by month insurer (examples?)

- Get a standard quote, pay in full, cancel the insurance and take the admin charge and reduced discount (so basically pay a full year for 5 months).

- Get a standard quote, pay by month, cancel the direct debit and insurance. See what happens.

- Option 4 (please elaborate).

Possibly a multibike multirider policy?
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Top cat
"Hard times lead to hard people. Hard people lead to good times. Good times lead to weak people. Weak people lead to hard times." Smegballs
"Oh and STE balloons would be one of the nicer things we would receive at the office, the amount of dog turd in jiffy bags is not funny." Jsmith86

[M.C]

Check terms, work out how much you'll get back for cancelling within 6 months. Not entirely sure what all the bawwing's about, insurance's going to be a couple of hundred quid for most people, beats public transport for 5 months.

[Ben90]

Buy a year's cover, pay it in one and cancel it when you're finished. Treat anything you get back as a bonus.

Option three will get your back doors smashed in. The monthly payment goes to the finance company who paid off your policy in a oner because you (foolishly) didn't. It's not a Netflix subscription. Best case scenario I can imagine upon trying to 'cancel' it is they'll graciously offer to let you pay off the balance including the exhorbitant interest that you agreed to.
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Yamaha FZ6 S2

[Sun Wukong]

I shall baww, because it is a stupid system.

And it seems insane to have no way to buy shorter insurance terms.

It is cheap, relative to what they could be fucking me for.

Not cheap relative to my age, history and the learner friendly tractor I'm insuring. (No NCB as returned from overseas)

Having to pay a full year for 5 months adds a bit of salt to the wound.
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Top cat
"Hard times lead to hard people. Hard people lead to good times. Good times lead to weak people. Weak people lead to hard times." Smegballs
"Oh and STE balloons would be one of the nicer things we would receive at the office, the amount of dog turd in jiffy bags is not funny." Jsmith86

[Alpineandy]

https://www.bikechatforums.com/viewtopic.php?t=319576
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The above comment isn't necessarily the truth and anyone that says it is, is only correct if it's the truth or they're bigger than me.

[Sun Wukong]

[Alpineandy]

[Sun Wukong]

160 quid with breakdown cover and and 90 days in EU (which I can do at the end, so sort of 9 months).

Ho hum, it's a weird industry.
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Top cat
"Hard times lead to hard people. Hard people lead to good times. Good times lead to weak people. Weak people lead to hard times." Smegballs
"Oh and STE balloons would be one of the nicer things we would receive at the office, the amount of dog turd in jiffy bags is not funny." Jsmith86

[whockin]

Had a similar dilemma with my car last year. Unfortunately, as previously said there is no workaround.

You pay your year, cancel it when you can, and anything you recoup is a bonus you gratefully accept in outstretched hands.

[arry]

[Alpineandy]

[M.C]

[ScottT]

There is another option, buy some tracksuit bottoms and a hoody, throw your helmet away and take off your number plate and just thrash the bike everywhere.
Everyone will just think you have stolen it and no one will bother you and the police wont even try to pull you. You'll probably qualify for free petrol at some stations, added bonus..

[Rogerborg]

Clone the plate from an unmarked police bike, you say?
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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

[Freddyfruitba...]

[arry]

[iooi]