Resend my activation email : Register : Log in 
BCF: Bike Chat Forums


insurence for two bikes

Reply to topic
Bike Chat Forums Index -> General Bike Chat
View previous topic : View next topic  
Author Message

gerbil
Borekit Bruiser



Joined: 10 Feb 2005
Karma :

PostPosted: 18:35 - 20 Sep 2005    Post subject: insurence for two bikes Reply with quote

hi can any one tell me what they best way to go about insuring two bikes is.......
ive recently bought an sv650 and i also have my old faithful eliminator 250. my eliminator is 13 years old and i have been told its possible i could get her on classic insurence ( i don't know how true this is) and my sv is 2003 model. they both live in the front garden but are on 24 hour cctv with decent security. i also have 2 years no claims, anyone know of an insurer who offers a decent price for 2 bike one old and one new (ish)?????
thanks in advance
p.s are there any insurers who do a deal for a lady rider?????
____________________
squeeeeeeeeeeek
 Back to top
View user's profile Send private message Visit poster's website You must be logged in to rate posts

Vespa
Traffic Copper



Joined: 12 Feb 2005
Karma :

PostPosted: 18:38 - 20 Sep 2005    Post subject: Reply with quote

.

Last edited by Vespa on 00:48 - 02 Nov 2005; edited 1 time in total
 Back to top
View user's profile Send private message You must be logged in to rate posts

gerbil
Borekit Bruiser



Joined: 10 Feb 2005
Karma :

PostPosted: 18:42 - 20 Sep 2005    Post subject: Reply with quote

lol, you talkin bout bike wheels or my gerbil wheel !!!!!!!!!!!!!
he he he Laughing
____________________
squeeeeeeeeeeek
 Back to top
View user's profile Send private message Visit poster's website You must be logged in to rate posts

The Old Geeza
Back in my day...



Joined: 25 May 2005
Karma :

PostPosted: 18:53 - 20 Sep 2005    Post subject: Re: insurence for two bikes Reply with quote

gerbil wrote:
...my eliminator is 13 years old and i have been told its possible i could get her on classic insurence ( i don't know how true this is)...


I tried to get Classic Insurance on my 1988 GPX250, but Carole Nash said is wasn't quite old enough, so they insured it on Semi-Classic instead (beats me Rolling Eyes ). Seems that 20 years and older bikes qualify for Classic Insurance. I dunno', I just wanted insurance!



____________________
Horse Power was safer when the Horses had it!
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

MarJay
But it's British!



Joined: 15 Sep 2003
Karma :

PostPosted: 19:00 - 20 Sep 2005    Post subject: Reply with quote

Try MCE, it cost me £2 to add my TZR250 to my TT600 insurance. (I did change address at the same time so it may have been somewhat related to that, but my car insurance only went down by £30 by changing address)

Anyway, I know MCE do multi bike policies. Smile
____________________
British beauty: Triumph Street Triple R; Loony stroker: KR1S; Track fun: GSXR750 L1; Commuter Missile: GSX-S1000F; Cheap project: CBR900RR FireBlade
Remember kids, bikes aren't like lego. You can't easily take a part from one bike and then fit it to another.
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Bendy
Mrs Sensible



Joined: 10 Jun 2002
Karma :

PostPosted: 19:02 - 20 Sep 2005    Post subject: Re: insurence for two bikes Reply with quote

gerbil wrote:

p.s are there any insurers who do a deal for a lady rider?????


Haven't found any doing anything special, you'll be a few quid cheaper with all of them.
 Back to top
View user's profile Send private message You must be logged in to rate posts

Irezumi aka Reuben
Carrot Top



Joined: 28 Sep 2004
Karma :

PostPosted: 19:25 - 20 Sep 2005    Post subject: Reply with quote

Most insurance companies require that the bike be over 15 or 20 years old (varies from company to company) and that you be over 21 with a full licence. I know because I tried it, but dont have the full licence yet.
____________________
Pictorgraphicalfantastical
 Back to top
View user's profile Send private message You must be logged in to rate posts

ayfy
Nova Slayer



Joined: 21 Jun 2004
Karma :

PostPosted: 10:53 - 21 Sep 2005    Post subject: Reply with quote

I also have 2 bikes but one isn't insured. I thought that I have insurance on one so I should be covered 3rd party on the other. however I'm sure I heard somewhere that you're not allowed to do this, that the bike needs to be fully insured by someone. Can someone clarify this?
 Back to top
View user's profile Send private message You must be logged in to rate posts

natv4
Brolly Dolly



Joined: 31 Dec 2004
Karma :

PostPosted: 11:43 - 21 Sep 2005    Post subject: Reply with quote

The Insurance line will let you insure multi bikes. They charge 75GBP for any additional bike, so long as your main bike is (the same) or a higher insurance group. They also worked out quite cheap for me at the time.
____________________
Travelling around the world...a bit at a time. Where am I now? / Visit my BLOG
Bike: Blue Honda VFR800fi (*NEW*) Mileage: 22k Countries visited: GB/F/D/CZ/PL/E/I/B/A/HR/H/Rus/E/MA
West Europe...2004, East Europe...2005, Russia/France...2006, Morocco...2007
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

killa
Won't Shut Up



Joined: 18 Oct 2004
Karma :

PostPosted: 11:51 - 21 Sep 2005    Post subject: Reply with quote

I pay for my VFR and my insurance company says can have 5 bikes in total on my policy for free. Thumbs Up
____________________
Cleverly disguised as a responsible adult.
Bike:- Yamaha TRX850 | Killas Biking History | Killas Gaming History | Killas autmotive history
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

beeblemaster
Two Stroke Sniffer



Joined: 22 Mar 2005
Karma :

PostPosted: 13:21 - 21 Sep 2005    Post subject: Reply with quote

I use Carole Nash.

My Diversion on it's own is £268 fully comp. To add my CX it only costs me £32 more, so £300 for the two.

(haven't added the CX yet though, but will do as soon as my policy with Bennets expires)

Very Happy
____________________
Current Bike(s): Yamaha TDM 900 (2004), Honda CX 500 Custom (1981), Yamaha XJ600S Diversion (1995)
Previous Bike(s): Yamaha XJ600S Diversion (1998), Yamaha SR 125 (1996)
 Back to top
View user's profile Send private message You must be logged in to rate posts

map
Mr Calendar



Joined: 14 Jun 2004
Karma :

PostPosted: 13:31 - 21 Sep 2005    Post subject: Re: insurence for two bikes Reply with quote

The Old Geeza wrote:
gerbil wrote:
...my eliminator is 13 years old...i could get her on classic insurence...
I tried to get Classic Insurance on my 1988 GPX250, but Carole Nash said is wasn't quite old enough...

From what I understand, classic is open to interpretation by the insurance companies. Some have a classic to be 15 years and some 20 years. Policies will limit the number of miles allowed and may not allow commuting (just social, domestic and pleasure). Some also insist the bike is garaged. I understand also that depending on the policy you might not gain extra NCB years. The policy also restrict what job you do e.g. this one
Quote:
...Drivers must not be an artist, amusement arcade, entertainment profession, fairground/ circus, general dealer, journalist, licensee, market/ motor trader, model, musician, professional sports person or unemployed.


The insurance is a different definition of classic from a road tax (vehicle excise duty). Once upon a time vehicles over 25 years old were exempt. Then they realised they were loosing money (and a bike would outlast a car) so moved the goal posts. Now it's any constructed or manufactured before 1 January 1973 (historic vehicle)

FWIW when I got a second bike I talked to the current insurer as I didn't know if to cancel one policy and start another or transfer existing one to the new bike and not have one for the old one. Turns out they offered to cancel the existing, start one for the new bike and then put the old bike on the policy for about £10 extra. The actual premium wasn't that more than the old policy, so with the refund I actually paid very little extra.

HTH Thumbs Up
____________________
...and the whirlwind is in the thorn trees, it's hard for thee to kick against the pricks...
Gibbs, what did Duckie look like when he was younger? Very Happy
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

paulthewitt
World Chat Champion



Joined: 17 May 2004
Karma :

PostPosted: 15:23 - 21 Sep 2005    Post subject: Reply with quote

Quote:
I also have 2 bikes but one isn't insured. I thought that I have insurance on one so I should be covered 3rd party on the other. however I'm sure I heard somewhere that you're not allowed to do this, that the bike needs to be fully insured by someone. Can someone clarify this


A vehicle must have 3rd party insurance if it is to be driven or stored on the road. if you are covered to ride it third party then that is fine, you can ride it. however, if you leave it parked on a road then it will not be covered by the "3rd party whilst driving" cover, so then you will be in breach of the road traffic act.

basically, you can drive it, but cant park it on the road.

if a vehicle is stored off the public highway then there is no obligation for insurance.

hope this helps a little
Paul
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

international...
Scooby Slapper



Joined: 22 Apr 2005
Karma :

PostPosted: 16:09 - 21 Sep 2005    Post subject: Reply with quote

Spot on Paul! There seems to be a lot of confusion about this, but you are absolutely right. Thumbs Up
____________________
If at first you don't succeed, move the damn goalposts!
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

gerbil
Borekit Bruiser



Joined: 10 Feb 2005
Karma :

PostPosted: 18:10 - 21 Sep 2005    Post subject: Reply with quote

killa wrote:
I pay for my VFR and my insurance company says can have 5 bikes in total on my policy for free. Thumbs Up


hey killa, which company are you insured with???
____________________
squeeeeeeeeeeek
 Back to top
View user's profile Send private message Visit poster's website You must be logged in to rate posts

The Old Geeza
Back in my day...



Joined: 25 May 2005
Karma :

PostPosted: 18:10 - 21 Sep 2005    Post subject: Reply with quote

paulthewitt wrote:
A vehicle must have 3rd party insurance if it is to be driven or stored on the road. if you are covered to ride it third party then that is fine, you can ride it. however, if you leave it parked on a road then it will not be covered by the "3rd party whilst driving" cover, so then you will be in breach of the road traffic act.


That's quite informative, Paul. Thanks Thumbs Up

I didn't realise '3rd Party Whilst Driving' cover was available. I'm thinking of getting another bike myself, so I'll have a peruse through my existing Fully Comp policy to see what other cover I've got Smile

paulthewitt wrote:
if a vehicle is stored off the public highway then there is no obligation for insurance.


Just a slight addition to this (just in case anyone's confused by your statement), there is no need whatsoever for insurance if the bike is parked or stored off the road (on your drive or in the garage etc.). But, you MUST have some form of insurance in order to ride the bike on a public highway.

Just a little more help, I hope Wink



____________________
Horse Power was safer when the Horses had it!
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts
Old Thread Alert!

The last post was made 20 years, 127 days ago. Instead of replying here, would creating a new thread be more useful?
  Display posts from previous:   
This page may contain affiliate links, which means we may earn a small commission if a visitor clicks through and makes a purchase. By clicking on an affiliate link, you accept that third-party cookies will be set.

Post new topic   Reply to topic    Bike Chat Forums Index -> General Bike Chat All times are GMT
Page 1 of 1

 
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum
You cannot attach files in this forum
You cannot download files in this forum

Read the Terms of Use! - Powered by phpBB © phpBB Group
 

Debug Mode: ON - Server: birks (www) - Page Generation Time: 0.07 Sec - Server Load: 0.76 - MySQL Queries: 14 - Page Size: 95.82 Kb