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OxideRides |
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OxideRides Derestricted Danger
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adam277 |
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adam277 Spanner Monkey
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OxideRides |
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OxideRides Derestricted Danger
Joined: 27 Jun 2018 Karma :
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Posted: 03:10 - 27 Jun 2018 Post subject: |
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It's crazy. I ran through a bunch of different bikes to see what quotes I get. Some of them are absurd.
Yamaha
mt03 - insurance group: 8 - Quote: 4,048
mt07 - insurance group: 11 - Quote: 7,445
yzf r3 - Insurance Group 8 - Quote: an odd one, lexham £1475, the rest are 8,270+
Kawasaki
ninja 250sl - group 8 - insurance: again, good quote from lexham at 1,465. Rest were 7,800+
ninja 300 - group 9 insurance: 1,510 from lexham, 7,200+ otherwise
z300 - Group 8 - Insurance 2,829
er 6n - Group 10 - Insurance 7,250
Honda
cb300r - 6 - 2,856
cbf500 - 9 - 5,481
Suzuki
gxs 250r - 8 - 1,510 from lexham. The rest were 5,500+
sv650 (s) 9 - 7,445
KTM
390 duke - 3,796
BMW
g310r- 10 - 4,362
I gave up after that. It seems almost totally random, unless I go for a 250cc or less. ____________________ Bike owned: KTM 390 Duke 2018
Previous Bikes: KTM 125 Duke 2012 |
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 07:53 - 27 Jun 2018 Post subject: |
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That is insane. There isn't even a big problem with bike theft in Glasgow. I've heard of a van-full being harvested in the East End but it's nowhere near as bad as Edinburgh.
Are there any high risk factors like criminal convictions, or are you a stuntman lion-tamer?
Are you checking for cover other than third party? It's often more expensive than TPF&T or even FC.
If you are going third party, or have no intention of making any other form of claim, I'd note that if the bike's registered address and your driving licence address match up with the bike's insured address then it's very unlikely to become an issue whether that address is your actual permanent domicile. Do you know anyone in ruralshire who can collect some post for you?
Likewise, how is the insurer going to know if you have a garage or not? ____________________ 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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arry |
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arry Super Spammer
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arry |
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arry Super Spammer
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Rogerborg |
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Rogerborg nimbA
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OxideRides |
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OxideRides Derestricted Danger
Joined: 27 Jun 2018 Karma :
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Posted: 09:53 - 27 Jun 2018 Post subject: |
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Rogerborg wrote: | That is insane. There isn't even a big problem with bike theft in Glasgow. I've heard of a van-full being harvested in the East End but it's nowhere near as bad as Edinburgh.
Are there any high risk factors like criminal convictions, or are you a stuntman lion-tamer?
Are you checking for cover other than third party? It's often more expensive than TPF&T or even FC.
If you are going third party, or have no intention of making any other form of claim, I'd note that if the bike's registered address and your driving licence address match up with the bike's insured address then it's very unlikely to become an issue whether that address is your actual permanent domicile. Do you know anyone in ruralshire who can collect some post for you?
Likewise, how is the insurer going to know if you have a garage or not? |
I forgot to mention, the quote test on the a2 bikes were fully comp prices, but still... a little OTT.
Clean record, no claims and - unless they consider a product designer to be a danger on the road - no crazy occupation.
Unfortunately know no one in the area and previous home isn't anywhere close so that I could keep that address.
I worry about the garage in case it does happen to get nicked outside my house in the quiet area I live in, then they won't pay out. Not too bothered with my baby duke, but not sure if i'd want to risk that with a bigger (likely newer) bike.
I guess the answer is possibly to pick up something dirt cheap and not be worried about what happens to it.
The postcode problem is so bad that a different house in glasgow I declined had an area code that lumped it in with one of the dodgier areas, despite it being listed as blue on SIMD. It increased my original duke's quote by £600! ____________________ Bike owned: KTM 390 Duke 2018
Previous Bikes: KTM 125 Duke 2012 |
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arry |
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arry Super Spammer
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stephen_o |
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stephen_o Spanner Monkey
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 10:43 - 27 Jun 2018 Post subject: |
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Damn. Sorry, it sounds like you'll have to ride junkers for a couple of years at least to build up some no claims history. I had no idea it had got that bad for newer riders - bikes were historically an alternative to swingeing car insurance. ____________________ 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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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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Rogerborg |
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Rogerborg nimbA
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OxideRides |
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OxideRides Derestricted Danger
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 12:45 - 27 Jun 2018 Post subject: |
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Are you doing quotes without listing any security? I've had a quote go up by 1/3rd when adding security.
Also, the usual caveats to use Mr Fakename 3 doors down in fresh porn-browsing sessions so that you don't trigger any "This guy can't get cover, hammer him" algorithms. ____________________ 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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stinkwheel |
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stinkwheel Bovine Proctologist
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Freddyfruitba... |
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Freddyfruitba... World Chat Champion
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ThePurpleWind |
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ThePurpleWind L Plate Warrior
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arry |
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arry Super Spammer
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Posted: 15:32 - 27 Jun 2018 Post subject: |
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Freddyfruitbat wrote: |
If it's just all about bike theft though, why isn't it possible to buy a TPO policy for peanuts then? I mean, some of the OP's quotes exceed the value of the insured vehicle. |
Cos TPO doesn't make an insurer money - it's the bit high loss ratios cling to. Accidental Damage much less so. It also, traditionally, has a marker of 'this guy's a cheap weedge out for cheap cover' about it, and all that the stereotype entails.
Theoretically it IS possible to provide a cheap TPO option no doubt, but where's the fun in that?
Further point for balance - if your motor is on the MID, you is so totes liable bruv. Maybe not legitimately agreed by a court of law, but the fees alone to fight such an attempt to pin liability on you are talking telephone numbers. Bare meat spin brother, I tell you. Not worth aggy, move capital to another class of business that's easier. Job jobbed. |
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Kentol750 |
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Kentol750 World Chat Champion
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arry |
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arry Super Spammer
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WmY |
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WmY Renault 5 Driver
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The_west |
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The_west Borekit Bruiser
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vp1977uk |
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vp1977uk Derestricted Danger
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Rogerborg |
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Rogerborg nimbA
Joined: 26 Oct 2010 Karma :
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Posted: 09:58 - 28 Jun 2018 Post subject: |
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Undoubtedly, but OP is under 24, so let's not give up all hope just yet. ____________________ 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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Old Thread Alert!
The last post was made 5 years, 304 days ago. Instead of replying here, would creating a new thread be more useful? |
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