Pretty much confirmed that compare the market is bent.

[Hetzer]

Four quotes, all came in around £320.

a) Me as main driver, wife inc, I have one fault-claim.

b) Wife as main driver, me inc (with the claim).

c) Wife on her own.

d) a above but with my claim removed.

For a 1ltr 2010 Suzuki Alto, value of £2500, fully comp.

Won't be using compare the market.
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"There's the horizon! Ride hard, ride fast and cut down all who stand in your way!"

[MarJay]

Change your DoB by one day on each quote because apparently it's a primary key in their database. Then use the real one for the final quote.
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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.

[Minty]

Quote manipulation is one way of getting insurance refused/revoked so best of luck with insurance costs when you have that against your name.
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My fingers smell of your mum.

[MCN]

[chickenstrip]

Something dodgy going on in the world of insurance, you say? I refuse to believe it.
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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
THERE'S MILLIONS OF CHICKENSTRIPS OUT THERE!

[Polarbear]

Any other industry would be accused of price fixing.
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Triumph Trophy Launch Edition

[Polarbear]

Here's my insurance industry whinge.

I've been with Admiral Multicar then changed to Direct line multicar.

My wife had 15y NCB and I had 12. Because the way the multicar works it's all in my name with her as named driver on all cars. Her being marked as primary driver on her car.

However because all the policies are in my name, while I can drive other peoples cars she can't (and she isn't happy about it).

So I phoned Direct line and they said the only way round it was her to have her own policy so I asked how much that would cost.

£432 as she has no NCB. What says I, she has NCB as that's what was used when we took out multicar. Ah yes Sir but that has now been transferred to you for the multicar discount.

OK, transfer it back to her. No Sir, we can't do that it is your NCD not hers. But it was hers. Yes Sir, but it was transferred to you for the multicar. Rinse and repeat.

So now I have to tell wifie her NCD is gone and she can't drive any other cars except ours.

I think I'll text it while I'm off on the boat somewhere where she can't get to me.
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Triumph Trophy Launch Edition

[Sister Sledge]

When multicar insurance policies started being pushed, I mistrusted them immediately and so had a look into it. I saw that loss of NCD but for me the biggest worry was if one person has a bump, does it affect everyone on the policy??
Insurance companies glam up those multicar thingies but in reality there's only one reason why they'd push something onto people and it's because they win and the customer loses.

I've been on a fleet policy for many many years and have no NCD. Middle of next year I'm coming off the fleet thing and will be dry raped for those first few policies when I get my own vehicle..
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CCM 404 DS

[Hetzer]

[Kawasaki Jimbo]

Insurers won't outright refuse to provide cover (bad for business) but perhaps they'll quote a prohibitive premium. Could it be that they have their quota for this month or just don't need your business for whatever reason?

Also, on-line quotation sites are pretty simplistic and there's usually a proviso that if you've made a claim or have convictions they'll need to assess in person/on the phone, in which case the online quote is meaningless.

[stevo as b4]

I've had plenty of insurance companies refuse to quote for cover, but usually only after 20 minutes of wasted time on the phone. They also have no clue about what your telling them or what it means. So if you say you have Vernier adjustable cam belt pulleys, or an intelligent boost controller they don't know what that means, only that its not a recognised item and therefore they can't cover you.

Maybe I've been doing it all wrong through?

[stinkwheel]

Newsflash.

Insurance companies are rip-off merchants.

In other news.

Water is wet.
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“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[stinkwheel]

[Easy-X]

Had an "oh shit" moment and checked my own insurance. Apparently they're not interested in lighting and mirror changes as long as they're roadworthy (I assume that means would pass an MoT.)
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Freddyfruitba...]

[Minty]

That's the key point - the accepting of a policy. If you have obtained numerous quotes with varying differences then you are shining a spotlight on yourself and if you have accepted a policy without 3 endorsement points, for example, then you face having your policy voided as you will have no defence of "I forgot about them" when you had a quote with them added half hour earlier.
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My fingers smell of your mum.

[MCN]

[ThunderGuts]

What I find infuriating (although it is obviously common) is when an insurer sends a renewal quote for a figure much higher than they offer when you go to a comparison website. In my case, my car renewal came through recently and the premium offered in my renewal invitation was 50% higher than that available from the same insurer via moneysupermarket. This happens every year as the same insurer ends up being cheapest for me, and every year they reduce it when I point out the difference, I just pity the poor folk who don't bother to check to see if it's cheaper. That said, it could be argued that those folk effectively are subsidising my lower premiums as presumably if everyone was on the ball with this they'd raise the premiums on average to retain the same profit . . .

Insurance . . . don't yer just love it
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TG.

[MCN]

This why the biggest scam in the insurance racket is automatic renewal.
Instead of farting about with breakshit or climbing over each other to become the next PM our politicians need to outlaw this shoddy Barrow-town practice.
Or force insurers/brokers to include a 'do not auto renew' tick box on applications.
I don't understand why these cunts get away with it.
Requiring written request to not auto renew is an unfair and unnecessary burden.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.

[owl]

[Polarbear]

Talking of insurance, anyone know if arry is OK? Can't remember seeing him post for a while now
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Triumph Trophy Launch Edition

[panrider_uk]

Tis a pretty much dead forum now dontcha know.
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Current bike: Honda ST1100

[MCN]

[stevo as b4]

Talking of quiet/lost/dissapered members, what happened to Alex A and Albigarus? They were always my Fireblade heroes.

[iooi]