How seasonal are insurance prices?

[SirFallalot]

Hey, so I was trying to get some quotes on some old dual sport / adv bikes. Resulting in 1.5-2k shock.

I decided to try running my own bike, which was £250 with pillion, 10k miles and commuting (and even then the rest were 400-500), and guess what, around 1-1.6k depending on mileage/pillion/TP or TPFT.

I even went over my current policy details to make sure nothing is wrong giving me an unfair discount, and it isn't! So how the hell does it quintuple???
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Lexmoto Valiant 125; 94 CB400; 96 CB750F2; 81 CB750 (restoring, lol not gonna happen); 2001 ZX9R(It's about to go :c); 2012 R1200R; 2015 R1200RS

[Alex A]

https://i.postimg.cc/j5nZ2nkL/Screenshot-2019-10-19-at-19-32-04.png
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Current: Ducati Panigale R / Ducati Streetfighter S / Suzuki GSX-R1000 L5

[P.]

Lol. ^

London. Leave it.

[xX-Alex-Xx]

You try fully comp? 95% of the time it's a small fraction of the price of TP or TPFT (at least in my experience)
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DILLIGAF

[P.]

[Easy-X]

I don't see how that works out. I paid about £350 IIRC for a brand new bike, fully comp and an example quote recently for the old DT was about £100. That's for the north end of Surrey, close to London.
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[Bhud]

Old dual-sport = highly nickable wheelie machine.

London, as mentioned.

[Riejufixing]

[SirFallalot]

Yeah...I know being in London does that to premiums, but what baffles me is that 3 months ago I was quoted in the 250-500 range and now on THE SAME BIKE 1000-1500 with the same details that I have in my current policy, O copied them over for precision.
So either the algorithms changed a lot in the mean time or I dunno
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Lexmoto Valiant 125; 94 CB400; 96 CB750F2; 81 CB750 (restoring, lol not gonna happen); 2001 ZX9R(It's about to go :c); 2012 R1200R; 2015 R1200RS

[P.]

My new benelli 125, they wanted £340.

I changed postcode to one half an hour away from London, £89.

[1198]

[Kawasaki Jimbo]

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An "Annual" insurance policy is seasonal? That's special, very special.
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TZR250 2MA road, TZR250 1KT road, TZR250 2MA race, TDR250, YZF-750R Boost colours.
Jaguar S Type 3.0 V6 Sport R, VW Transporter T5 GP LWB Shuttle 140ps DSG.

[ThatDippyTwat]

[Ste]

[Yorkshire Geek]

[SirFallalot]

Thanks, those explanations do make sense.

I've managed to get some decent quotes from carole nash, which were not to bad either when I originally insured mine. My current doesn't seem to offer multi bike discount anyway/
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Lexmoto Valiant 125; 94 CB400; 96 CB750F2; 81 CB750 (restoring, lol not gonna happen); 2001 ZX9R(It's about to go :c); 2012 R1200R; 2015 R1200RS

[Riejufixing]

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[SirFallalot]

[Ste]

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[Ste]

Correct, every insurance policy does include all 12 months.

But the price they quote you depends on huge numbers of factors based around how much do they want your business or not want the potential liability right then.

If people who start policies in March are statistically less of a risk than people who start policies in February then policies bought in February will be more expensive than those bought in March.

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[P.]