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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 18:01 - 17 Aug 2017 Post subject: Which Insurer for a middle aged guy returning to biking? |
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I know these insurance related questions have been asked to death, but I'm struggling to find someone to insure me for a good price.
I'm 30, I've had my full licence a number of years, but not ridden in ages, no NCB either.
I WAS insured with Bikesure/Flux, £211 TPF&T, but turns out I did a bit of a typo and said I bought the bike in 2007, rather than 2017. To make the amendment they wanted an extra £100, which seemed a bit steep. So I've cancelled the policy, been screwed as usual, and got £180 back (took the policy out a couple of days ago).
I tried a comparison site, and it came back as refused to quote.
The bike is only a cheap 10 year old 500cc.
Bennetts quoted me £400.
All seem a bit pricey! ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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1198 |
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1198 World Chat Champion
Joined: 24 Jan 2013 Karma :
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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 18:12 - 17 Aug 2017 Post subject: |
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Yep, that's what I thought. Especially as I've got two vans insured with them for business use. ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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vanderbale |
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vanderbale Borekit Bruiser
Joined: 14 Jan 2014 Karma :
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Alex A |
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Alex A World Chat Champion
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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 18:26 - 17 Aug 2017 Post subject: |
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I consider myself middle-aged as I am more than likely in the middle of my lifespan, I think 45-60 is well out, unless people are expected to live until 90-120? I certainly won't!
I've run another quote with Bennetts, and found that by going down the TPO and knocking off commuting, I can get it down to £230.
Now I've always stuck commuting on insurance, but do I need it?
I might go to work on my bike a handful of times in a year, if the weather is good. But the majority of the time I'll be in my car or van.
But does this still count as commuting? ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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ScaredyCat |
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ScaredyCat World Chat Champion
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Polarbear |
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Polarbear Super Spammer
Joined: 24 Feb 2007 Karma :
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Posted: 18:52 - 17 Aug 2017 Post subject: |
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Try Just Motorcycle Insurance.
https://www.just-motorcycleinsurance.com/
They beat MCE hands down for my Trophy insurance. Yes, I've got many years NCB but they might be good for you too! ____________________ Triumph Trophy Launch Edition |
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stevo as b4 |
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stevo as b4 World Chat Champion
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ScaredyCat |
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ScaredyCat World Chat Champion
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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 19:11 - 17 Aug 2017 Post subject: |
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Lol. ^ that. ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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Ted |
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Ted World Chat Champion
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 20:01 - 17 Aug 2017 Post subject: Re: Which Insurer for a middle aged guy returning to biking? |
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Ted wrote: | I tried a comparison site, and it came back as refused to quote. |
At all? I'd look into why that is, because it's likely to remain a problem for you.
Are you saying that you've had a policy cancelled? If so, don't.
If you're not saying that, is it possible that Bikesure have recorded it as such on the cartel's collective database?
You might want to pay for a subject access request to find out:
https://www.mib.org.uk/media/387858/cue-and-miaftr-dsar-request-form-august-2017-v10.pdf ____________________ 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 |
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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 20:05 - 17 Aug 2017 Post subject: |
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Might have just been the comparison site I used the other day, on a couple now and am getting results.
I've not had a policy cancelled, I cancelled a policy. ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 20:18 - 17 Aug 2017 Post subject: |
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I might have sussed it.
I have two jobs, one employed and one self-employed, I think it's too difficult for the comparison websites.
I've now gone back to my old method of using the comparison sites to tell me what insurers come up best, and then running a new quote direct with said companies.
Hastings have quoted me under £100 for TPF&T, but, they want a minimum of £250 excess... ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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Itchy |
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Itchy Super Spammer
Joined: 07 Apr 2005 Karma :
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Posted: 20:21 - 17 Aug 2017 Post subject: |
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Since when was 30 middle aged? ____________________ Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching. |
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Ted |
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Ted World Chat Champion
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M.C |
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M.C Super Spammer
Joined: 29 Sep 2015 Karma :
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Posted: 20:31 - 17 Aug 2017 Post subject: |
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You're not middle-aged, you're possibly just coming out of the rapey insurance years. Comparison site as others have said, doesn't really matter what one as they're pretty much the same. It depends on what insurer likes you, unfortunately MCE are the only people who like me (wish the feeling was mutual ).
Bennetts are shit, they quoted me £1700 on an NSR125 before
Edit: £100? Pay it and ride off into the sunset. £250 seems to be the sweet spot for excess anyway. |
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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 20:44 - 17 Aug 2017 Post subject: |
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ALL SORTED
I've gone with Hastings.
Upped it a bit to Fully Comp, plus all the legal/injury stuff, figured if I do smash it then the bike payout should cover the excess.
Just under £160. ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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andyscooter |
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andyscooter World Chat Champion
Joined: 30 May 2009 Karma :
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Posted: 21:41 - 17 Aug 2017 Post subject: |
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Oh
Hastings
Are like aids ____________________ gilera runner vxr200 (chavped)
if its spelt wrong its my fat fingers and daft auto correct on my tablet |
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ScaredyCat |
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ScaredyCat World Chat Champion
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Itchy |
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Itchy Super Spammer
Joined: 07 Apr 2005 Karma :
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Posted: 22:30 - 17 Aug 2017 Post subject: |
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Many insurance companies are bad.
The trick is give them as little money as possible and try not to interact with them whatsoever for year.
This is the best you can hope for. ____________________ Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching. |
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M.C |
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M.C Super Spammer
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Ted |
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Ted World Chat Champion
Joined: 26 Mar 2006 Karma :
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Posted: 13:12 - 18 Aug 2017 Post subject: |
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There are horror stories about most insurers. I've had issues with a few, and I've had no problems with ones that other people have had problems with.
It all depends on the situation, and who you get on the end of the phone.
I fully accept that all insurers will try and screw everybody at any given time, I've been of that mindset for longer than I can remember, and as of yet have not been proved wrong! ____________________ '07 Honda CBF500 / '93 Vauxhall Astra (www.fb.com/2wdOffRoader) / '04 Vauxhall Movano
Projects: '81 Honda CX500 x2 / '85 Land Rover One-Ten / ...plus many horticultural things.
||| Bike Test: DAS: PASSED 13/02/2009 ||| Car Test: PASSED 22/05/2005 ||| |
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Old Thread Alert!
The last post was made 6 years, 224 days ago. Instead of replying here, would creating a new thread be more useful? |
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