Biking days over... sad times

[TheArchitect]

After having two bikes stolen within the year, I'm now categorically un-insurable.

Just spoke to a few providers and brokers and all have said the best they can do is TP only, and even then the premiums are ridiculous. Riding a sports bike is out of the question, and anything that is considered desirable in the slightest is a no go.

So my options are to either ride a shitter for a couple of years while paying silly insurance premiums or don't ride at all.

I've decided to not ride as I can't afford to pay the exorbitant premiums, and frankly I want to own a bike I enjoy looking at as much as I enjoy riding it.

sad sad times indeed
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GSXR 600 K6 - Stolen
GSXR 600 K6 - Stolen
MT09 - Almost stolen

[Big Jock]

Sorry to hear that.
Shame that the actions of some thieving scum has brought you to that decision.
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1998 Yamaha YZF600R Thundercat

[P.]

There is always the option of lying

[bacon]

[TheArchitect]

[doggone]

Not being flippant but why would bad area for thefts affect 3rd Party only policies?
If someone steals it and crashes it are they still potentially liable for damaged caused to something else?

[TheArchitect]

[Polarbear]

Shit times mate.

Seeing the amount of stolen bikes being reported in London, either by thieves in vans or scum on mopeds I can't say I'm surprised with the insurance companies response though.

Get out of London if you can.
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Triumph Trophy Launch Edition

[chris-red]

[P.]

[Polarbear]

[TheArchitect]

Interesting point, one of the advisors (cant remember which company) told me a lot of their underwriters are pulling out of London altogether. So even if you have a garage/drive it's still likely that premiums will be high as less competition in the market.
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GSXR 600 K6 - Stolen
GSXR 600 K6 - Stolen
MT09 - Almost stolen

[TheArchitect]

[M.C]

Third party only means you can park it in your imaginary garage

[bigdom86]

I never got how someone crashing into you or stealing your item (if you are following the requirements in your insurance) should affect your premiums, they really need to re-think how insurance is done, it is not surprising people drive/ride without insurance

[Ste]

Lie to them as much as you want and everything should be plain sailing unless you ever need to claim on your policy.

As much as someone crashing into your car whilst it's parked isn't your fault, it could easily be argued that someone who has previously left their car in places where other people drive into it are a higher risk than people who haven't been leaving their car somewhere where it gets crashed into.

And lastly... if you were an insurance company, would you want to insure bikes that are kept in London?

[Itchy]

[angryjonny]

Rozzers need to start chasing bikes again. If a scrote wraps himself around a lamp-post, fuck him.

Look out for me on kickstarter with my jet-ski style motorcycle key that's attached to the rider.

[grr666]

I recently had a minor incident on my bike that needed some pretty costly repairs. I just bit the bullet and paid
from my own pocket for exactly this reason despite full comp. 16519 bikes nicked in London alone in a year, and
it's the law abiding getting smashed by the insurers rather than the root cause being dealt with. Why aren't the
insurers pushing the Police to do more? That's in everyones interest but the scummers.

That totally sucks OP, my bike premium has gone up threefold this year because I had a CAR accident a few
weeks ago and have added a few mods to the bike. That's another fucking irritation, I was reversing the car,
so even if my reversing skills do need work. (they don't btw) How is my risk on a bike any worse? I'm not likely
to be reversing it anytime soon. (Inb4 Goldwing) No wonder they're all driving round in 911's!! Bloody insurers.

If I'm going to get stung on my car, bike and van insurance for something that happened in the car then
all 3 vehicles should be able to be lumped in on one policy. They might as fucking well be.
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Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off.

[TheArchitect]

[Freddyfruitba...]

[ScaredyCat]

What about a Honda Grom or similar, you could keep it in the house, which is at least close to garaged.

[Pete.]

[grr666]

When I say scummers I mean feral half breeds spending their evenings blasting round on nicked
bikes nicking even more bikes, and mugging people while the baby mamas they fell out of sit around in
a weed induced haze with no clue and not much interest what their little charmers are out up to. Bruv.

I am sucking it up and paying, and paying and then paying again.

[chickenstrip]

You don't need to have had bikes nicked for these bastards to try to screw you over. Just recently reinsured mine. Got quotes online, and my current insurers were the cheapest. But I hadn't had the chance to declare my 6 points online, so like a fool, decided to phone them to check they had that noted for this quote.

No, they said, that'll increase your premium. But I'm insured with you now, and you have that information already for my current policy? Yes, but you didn't declare it on your info. for the new quote. But I wasn't asked for that!

Also, they said, you claimed that it was in a brick garage. No, for my last policy with you, it clearly states wooden shed, I used to have it in a brick garage at my last address. Oh, still puts your premium up.

And you should always phone for quotes, not go online through comparison sites, they said, cos they cause lots of problems like this. Oh really, it's the comparison sites that cause the problems is it?

So I argued that none of the so-called misinformation they had was due to me, and presto! Within a minute they could knock £100 off the new premium. It's getting to be like haggling in a Moroccan souk or something. Which I guess just goes to show the level they're at.
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Chickenystripgeezer's Biking Life (Latest update 19/10/18) Belgium, France, Italy, Austria tour 2016 Picos de Europa, Pyrenees and French Alps tour 2017 Scotland Trip 1, now with BONUS FEATURE edit, 5/10/19, on page 2 Scotland Trip 2 Luxembourg, Black Forest, Switzerland, Vosges Trip 2017
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