New Rider Insurance

[RAYK47]

Firstly Hi all.

I have my CBT n Friday 7th December but have already bought a 2017 Honda CB125F, so I am doing some research in preparation. So i just wanted to ask a question about insurance and in particularly the social or SDP and commuting classification.

I will not technically be using my bike for commuting but I will be riding to the train station. Would this require commuting added to the policy? I am assuming so but want to check.

Now i am a car driver of well over 20 years and this has never been something i have bothered about previously as the cost is generally no different in car insurance. However the bike quote goes up over 2 thirds if i add commuting to the policy.

[Fizzoid]

I thought commuting on policies stated "to and from a place of work"

As I don't work at the train station, I said no

Could always call one of the companies and ask them?
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[Freddyfruitba...]

[Evil Hans]

[M.C]

[RAYK47]

Cheers gents. this is why i was a little unsure and i agree with both of you to an extent.

Fizzoid - that is what the text states and maybe you could get away with it (or not). If its stolen while you were at work then you could say you were on a day trip to the city. But its a risk.

FreddyFruitBat - i also thought as it is part of your wider commute it would still count.

think i will call them and confirm.

[RAYK47]

[RAYK47]

I think it is considered commuting and probably rightly so. Also I think it's too risky to not include it. However I will speak to the insurance company when buying to see what they say.

[Freddyfruitba...]

[linuxyeti]

To be fair, it's not likely to make that much difference to the cost of your insurance adding it in.. Certainly less so than your occupation..
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[rpsmith79]

[rpsmith79]

[RAYK47]

Cheers all. I think I need to play it safe in this one.

[M.C]

[owl]

A friend of mine got pulled over by police who had a go at him about his insurance not covering going to work. They just assumed he was because he was going into London early in the morning, he didn’t argue just said sorry and that he would sort it out.

Also one of my policies, think it was devitt, declared a garage and the fine print said if it was stolen within a certain distance and not in the garage there would be additional excess.

Just make sure you read everything and say the right things when you need to.
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Observation is the greatest source of wisdom.

[M.C]

[RAYK47]

Decided not to risk it and I am going to add commute to the policy. Managed to get it for £197 including commute (was £125 without)

Looking forward to me CBT on Friday, went out on my bike at the weekend (private land) and I got on surprisingly well. The first time I have used a geared bike and the first time on 2 motorised wheels at all for almost 30 years. Had no issues with the gears and only stalled once, that was when I had stopped and forgot I was still in gear.

Here's to Friday. I am nervous but my dad seemed to think I will breeze it, dad's would say that though.

[linuxyeti]

Good luck for Friday
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Beware what photos you upload, or link to on here, especially if you have family members on them

[Huarachedevil]

Hey, OP, how did you get on?

You're doing the right thing with insurance - it has to be 100% correct. Anything else is madness, and the consequences could be both severe and long-lasting.

I went with Aviva, who were half the price of Devitt and Bikeinsure. Both of those wanted to broker an Aviva policy for me anyway, so by cutting out the middle man, it saved nearly half.

[RAYK47]