Bike Insurance No Claims Expired

[Shakou]

Hey Guys,

Hope all is well. Does anyone have experience getting motorbike insurance after taking a break, my No Claims has elapsed. Unfortunately my health hasn't been great so I have had no choice but to take a break, prolapsed disk you see painful bastard that was!

I have an Sv650 S & I want to get that back up running then probably sell it to get ZX-6R 05/06 636 Ninja really want to get one. I have a garage which is lucky. I will need probably just social insurance, business would be great if it wasn't too much more. (I don't work in one place thus commuting is no good)

I put all the details into an insurance quote thingy it came up with something around 8K for a ninja which is crazy, I would understand if I hadn't got any experience etc!

Does anyone have experience of insurance in this situation & which insurance companies won't rip people off.

Thanks!

[Polarbear]

If you have proof of your old NC bonus I would phone round and see what can be offered to you rather than rely on comparison sites. Computers have no leeway built in (mind you neither have some insurance monkeys)

Just something else to think about. Local insurance brokers.

My house insurance (non traditional construction) was coming back £500/600 sort of figures from comparison sites. I Went into an insurance broker and he got it for me for half that with much better excesses and the like.

Maybe it would work with your bike insurance.
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Triumph Trophy Launch Edition

[Sister Sledge]

Best advice is head to the section about insurance on this forum - I think it's in New Bikers?

Read through the advice given (stickies) and read ALL comments and get up to date with them. It's a lot to go through but do it.
Don't rely on comparisons.
Always phone and speak to a person at a company.
Make sure to get ALL of the small print and understand it.
Seek the cover which is best for you and not the insurer!
Money talks - if you have to then play two companies off against each other.
Be prepared for days of telephoning around. Remember: regardless of going for a computerised quote you're going to have to speak to a person anyway.
Forget naming a shed as storage - look at quotes for the bike being stored outside your house on the garden path. Sometimes it's cheaper!!

I've a feeling your high quotes are only those which matched your needs via a search?
Ignore them because it's not going to be as bad as you think.

Me? Back after a huge break and with no no-claims. My bike is a 400cc but very very attractive to scum. My locality is average getting on for bad.
My insurance with lots of bits added is less than £200.

Insurers are not anyones friend. Remember that.
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CCM 404 DS

[MarJay]

I doubt a 636 will be great for you if you have a bad back!!

However, you just need to call every insurance company, use all the price comparisons etc etc. Take business off, as far as they are concerned that equals courier as far as bike insurance is concerned. Just use the bike for SD&P.
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British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.

[Baffler186]

[MarJay]

[Freddyfruitba...]

[MarJay]

[Freddyfruitba...]

[MarJay]

[MCN]

[Pete.]

Commuting means the same place of work every day (in insurer-speak). I had one insurer refuse to offer me commuting cover when I told them I work in construction but gave me 'business use 1' which is 'use in conjunction with your employer's business'. It's NOT the same as courier/delivery cover because it specifically excludes the carrying of goods in conjunction with the business so the loading is a lot less. When I asked for that instead of commuting it was 15 quid more, but that was quiet a few years ago.

BTW if you ever do under-declare the use for commuting etc be aware that -.in London at least - the cops run rush hour stop checks specifically to catch people out on bikes.
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a.k.a 'Geri'

132.9mph off and walked away. Gear is good, gear is good, gear is very very good

[Polarbear]

[M.C]

On the subject of expiring NCB, does it expire from the date you got your bonus, or from when you last used it on a policy? Say if you had a policy then cancelled it without adding to your NCB, would that reset the 2 year thingy?

Probably not much help to the OP but Adrian Flux apparently except expired NCB, it might be worth seeing if any bike insurers do.

Edit: are bikesure part of AF?

[Shakou]

[stevo as b4]

I've got no NCB anymore either, as like OP I had a 5year break from owning a road legal bike while doing up the house etc.

It'll be of zilch help to OP, but I've found that losing 8-10years NCB through letting it lapse has not hurt me financially, because all my insurance policies are classic bike/car policies which don't accrue or accept NCB anyway.

If I were to buy a new bike, I expect that I could use my last 5years of insurance cover as proof of having no claims while having older bikes and car.

[Wyberton John]

Bit late to this discussion, however, I can tell you that I had a very similar situation to OP and was told that NCB (of which I had max, from 11 years claim free riding) would only be valid for 2 years not insured (i.e. no bike).

After that, it's back to zero. I was told that this was standard practise accross the board, so I had to accept it. Luckily, I'm an old fart - i.e. over 50 - so my insurance is cheap anyway - currently at £73 fully comp for my Fazer Thou with now 6 years NCB.

As a related aside, we went from a bike only family to a car family (dozey Lithuanian lady knocked me & mrs off by swerving into our lane without looking/indicating and scared the Mrs from riding for a couple of years) and were allowed to transfer my maximum bike NCB to the car we bought.

Couple of years later, when Mrs had recovered her psychological trauma, we went back to bike-only family. Insurance companies refused to let me take the NCB back to bikes.
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Fazer Thou Gen 1