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Author Message

Bendy
Mrs Sensible



Joined: 10 Jun 2002
Karma :

PostPosted: 09:47 - 05 Jun 2006    Post subject: Bike Insurance for Dummies Reply with quote

The most tediously oft-asked question on BCF is 'what company is good for cheap insurance?'

There is NO SINGLE COMPANY THAT IS CHEAP FOR EVERYBODY. If there is, why would anyone use any of the others?

The cost of anyone else's insurance is COMPLETELY IRRELEVANT to the cost of your insurance.

The price you will be quoted depends (amongst other things) on:

- The bike
- The age of the bike
- Your age
- Your sex
- How long you've had your licence
- What bikes you've previously insured
- Your no claims bonus
- Where you live
- What your job is
- How many miles you intend to do in a year

Etc. etc.

In order to get the cheapest insurance quote for you, you need to buy yourself a copy of MCN or any bike mag with lots of insurance adverts in the back, and PHONE EVERY SINGLE ONE OF THEM.

Yes, I mean *every single one of them*. Some will quote ridiculous money, some will be alright, some might even be good. Narrow the options down to the best few (taking cover, excess, extras into account) and ring them back, telling them what another company has offered and asking them to beat it. Repeat this until you get a quote that you are happy with.

It could easily take you an entire day to do this, but you could be saving yourself hundreds of pounds... how much is your time worth?


Also, take note that some companies will now accept a No Claims Bonus which was earned on a car - if you have car ncb you're not using, it's worth asking all the companies you phone as ncb is one of the prime price-reducing factors.


> Planning to add to this at a later date.
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Itchy
Super Spammer



Joined: 07 Apr 2005
Karma :

PostPosted: 11:47 - 05 Jun 2006    Post subject: Reply with quote

you should add this which dummy posted up last year (and I did again 8 months later)

A=Cheapest
F=Most expensive


AB Aberdeen
10-16, 21-25, 30-39, 41-45, 51-56 . . . . . . . A
AL St Albans
1, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
2-3, 8-10 . . . . . . . . . . . . . . . . . . . . . . . . . . D*
4-6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
B Birmingham
1-21 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
23-26, 36, 70 . . . . . . . . . . . . . . . . . . . . . . . E *
27, 29, 31-35, 37-38, 42-44, 66-69, 71 . . . . D*
28, 30, 40, 46-47, 62-63, 72-77, 79 . . . . . . C
45, 48-50, 60, 64, 65, 78, 90-98 . . . . . . . . . B
61, 80 . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
BA Bath
1-2, 5, 6, 8, 11-14 . . . . . . . . . . . . . . . . . . . B
3, 7, 9-10, 15-16, 20-22 . . . . . . . . . . . . . . . A
4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
BB Blackburn
1, 4-5, 8, 10, 12, 18 . . . . . . . . . . . . . . . . . . D*
2-3, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
6, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
BD Bradford
1, 3, 4, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
2, 9, 10 . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
5, 11, 15, 19, 21 . . . . . . . . . . . . . . . . . . . . . D*
6, 8, 12-14, 16-18, 20, 22 . . . . . . . . . . . . . . E *
23-24 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
BH Bournemouth
1-5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
6-7, 11, 13, 15, 17-18, 25 . . . . . . . . . . . . . . B
8-10, 12, 14, 16, 19-24, 31 . . . . . . . . . . . . . A
BL Bolton
0-2, 6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
3-5, 7-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
BN Brighton
1-3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
5-8, 13-14, 17, 24, 27, 41-42, 44-45 . . . . . . A
9-12, 15-16, 18, 21-23, 25-26, 43 . . . . . . . . B
20 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
BR Bromley
1, 3-5, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
6, 8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
BS Bristol
1, 3, 5, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . E *
2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
4, 6-7, 10 . . . . . . . . . . . . . . . . . . . . . . . . . . D*
8-9, 13-16, 23, 30, 32, 34-35 . . . . . . . . . . . C
20, 22, 24-25, 29, 31, 39, 40-41 . . . . . . . . . B
21, 26-28, 36-37, 48-49 . . . . . . . . . . . . . . . A
CA Carlisle
1-3, 5, 7, 13, 18-21, 23-24, 26-27 . . . . . . . . B
4, 6, 8-12, 15-17, 22, 25 . . . . . . . . . . . . . . . A
14, 28 . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
CB Cambridge
1, 5, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
2-4, 6-8, 10-11 . . . . . . . . . . . . . . . . . . . . . . A
CF Cardiff
3, 15, 42, 61-62, 71-72 . . . . . . . . . . . . . . . . E *
5, 10-11, 14, 23-24, 63-64 . . . . . . . . . . . . . F *
31-41, 43-48, 81-83 . . . . . . . . . . . . . . . . . . D*
CH Chester
1, 64-66 . . . . . . . . . . . . . . . . . . . . . . . . . . . C
2-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
41-42, 44 . . . . . . . . . . . . . . . . . . . . . . . . . . F *
43, 45-46 . . . . . . . . . . . . . . . . . . . . . . . . . . E *
47-49, 60-63 . . . . . . . . . . . . . . . . . . . . . . . D*
CM Chelmsford
0, 2, 4, 8-9, 11-12, 17 . . . . . . . . . . . . . . . . . B
1, 3, 6-7 . . . . . . . . . . . . . . . . . . . . . . . . . . . A
5, 13-14, 16, 20-24 . . . . . . . . . . . . . . . . . . . C
15, 18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
19 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
CO Colchester
1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
2-3, 5, 8, 10, 15-16 . . . . . . . . . . . . . . . . . . A
4, 6-7, 9, 11-14 . . . . . . . . . . . . . . . . . . . . . B
CR Croydon
0, 4, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
2, 8-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
3, 5-6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
CT Canterbury
1-2, 4, 6, 8-12, 16-17, 19-20 . . . . . . . . . . . C
3, 5, 7, 14, 18 . . . . . . . . . . . . . . . . . . . . . . . B
13, 15, 21 . . . . . . . . . . . . . . . . . . . . . . . . . . A
CV Coventry
1-3, 6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
4-5, 7, 11-12 . . . . . . . . . . . . . . . . . . . . . . . D*
8-10 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
13, 21-23, 31-34, 47 . . . . . . . . . . . . . . . . . . B
35-37 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
CW Crewe
1, 3, 5, 7, 9 . . . . . . . . . . . . . . . . . . . . . . . . B
2, 4, 6, 8, 10-11 . . . . . . . . . . . . . . . . . . . . . A
12 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
DA Dartford
1, 5, 7, 9, 10 . . . . . . . . . . . . . . . . . . . . . . . . E *
2-3, 6, 11-13 . . . . . . . . . . . . . . . . . . . . . . . D*
4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
8, 14-18 . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
DD Dundee
1-3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
5-10 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
DE Derby
1, 3, 22, 55 . . . . . . . . . . . . . . . . . . . . . . . . . C
4, 12, 14-15, 45 . . . . . . . . . . . . . . . . . . . . . A
5-7, 11, 13, 56, 65, 72-75 . . . . . . . . . . . . . . B
21, 23-24 . . . . . . . . . . . . . . . . . . . . . . . . . . D*
DG Dumfries
1-2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
3-14, 16 . . . . . . . . . . . . . . . . . . . . . . . . . . . A
DH Durham
1-3, 8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
6-7, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
DL Darlington
1, 15 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
2-5, 14, 16-17 . . . . . . . . . . . . . . . . . . . . . . C
6-13 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
DN Doncaster
1, 4-5, 11-12 . . . . . . . . . . . . . . . . . . . . . . . F *
2-3, 6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
7-9, 16-17, 19-20, 37-39 . . . . . . . . . . . . . . B
10, 14, 18, 21-22 . . . . . . . . . . . . . . . . . . . . A
15, 31, 33-34, 36, 40-41 . . . . . . . . . . . . . . . C
32, 35 . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
DT Dorchester
1-3, 5-11 . . . . . . . . . . . . . . . . . . . . . . . . . . A
4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
DY Dudley
1-6, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
7, 14 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
8, 10-13 . . . . . . . . . . . . . . . . . . . . . . . . . . . B
E London E
1-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
10-15, 17 . . . . . . . . . . . . . . . . . . . . . . . . . . F *
16 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
EC London EC
1-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
EH Edinburgh
43-46 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
26-27, 38-42, 55 . . . . . . . . . . . . . . . . . . . . B
23, 28-37, 47, 49, 51-54 . . . . . . . . . . . . . . . C
11-13, 15-22, 24-25, 48 . . . . . . . . . . . . . . . D*
1-10, 14 . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
EN Enfield
1, 5-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
2-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
10-11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
EX Exeter
1-5, 8, 20, 34 . . . . . . . . . . . . . . . . . . . . . . . B
6-7, 9-19, 21-24, 31-33, 35-39 . . . . . . . . . . A
FK Falkirk
1-5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
6-10 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
11-21 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
FY Blackpool
1, 4, 8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
2, 6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
3, 5, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
G Glasgow
1-5, 11, 13-15, 20-23, 31-34, 40-42, 51, 53 Refer
12, 43-46, 66, 69, 71-78, 81 . . . . . . . . . . . . E *
60-62, 64, 67-68, 82 . . . . . . . . . . . . . . . . . . D*
52, 63, 83-84 . . . . . . . . . . . . . . . . . . . . . . . B
65 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
GL Gloucester
1, 4-5, 7-11, 13, 15, 18-19, 51, 53-56 . . . . . A
2, 3, 6, 12, 14, 16-17, 20, 50, 52 . . . . . . . . B
GU Guildford
1-3, 5-10, 13-17, 19-24, 27, 30-31, 33-34,
46-47, 51 . . . . . . . . . . . . . . . . . . . . . . . . . . B
4, 11, 25, 29, 32, 35 . . . . . . . . . . . . . . . . . . C
12, 18, 26, 28 . . . . . . . . . . . . . . . . . . . . . . . A
GY Guernsey
1-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
HA Harrow
0-2, 4, 7-9 . . . . . . . . . . . . . . . . . . . . . . . . . E *
3, 5-6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
HD Huddersfield
1, 6-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
2-5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
HG Harrogate
1-2, 5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
3-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
HP Hemel Hempstead
1-3, 6, 20 . . . . . . . . . . . . . . . . . . . . . . . . . . D*
4-5, 7, 10-14, 19, 21 . . . . . . . . . . . . . . . . . . C
9, 15-18, 22-23 . . . . . . . . . . . . . . . . . . . . . B
27 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
HR Hereford
1, 3, 5-6, 8-9 . . . . . . . . . . . . . . . . . . . . . . . A
2, 4, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
HS Outer Hebrides
1-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
HU Hull
1-6, 8-9, 13 . . . . . . . . . . . . . . . . . . . . . . . . D*
7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
10-11, 14, 16 . . . . . . . . . . . . . . . . . . . . . . . C
12, 15, 17-20 . . . . . . . . . . . . . . . . . . . . . . . B
HX Halifax
1, 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
2, 4-5, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
IG Ilford
1, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
2, 6-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
3, 9-10 . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
4-5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
IM Isle of Man
1-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
IP Ipswich
1-3, 5-23, 26-33 . . . . . . . . . . . . . . . . . . . . . A
4, 24-25 . . . . . . . . . . . . . . . . . . . . . . . . . . . B
IV Inverness
1-28, 30-32, 36, 40-49, 51-56, 63 . . . . . . . . A
JE Jersey
1-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
KA Kilmarnock
1-26 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
27-30 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
KT Kingston-upon-Thames
1, 3, 6, 17, 19 . . . . . . . . . . . . . . . . . . . . . . . E *
2, 4-5, 7-12 . . . . . . . . . . . . . . . . . . . . . . . . D*
13-16, 18, 20-22 . . . . . . . . . . . . . . . . . . . . C
23-24 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
KW Kirkwall
1-3, 5-17 . . . . . . . . . . . . . . . . . . . . . . . . . . A
KY Kirkcaldy
1-16 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
L Liverpool
1-21 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
22 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
23, 29, 34, 38, 40 . . . . . . . . . . . . . . . . . . . . D*
24-28, 30, 32-33, 35-36 . . . . . . . . . . . . . . . E*
31, 37 . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
39 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
LA Lancaster
1,3-4, 14, 19, 22-23 . . . . . . . . . . . . . . . . . . B
2, 5-13, 15, 17-18, 20-21 . . . . . . . . . . . . . . A
16 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
LD Llandrindod Wells
1-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
LE Leicester
1-2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
3-4, 6, 10 . . . . . . . . . . . . . . . . . . . . . . . . . . C
5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
7-9, 11-12, 17-18 . . . . . . . . . . . . . . . . . . . . B
13-16, 65, 67 . . . . . . . . . . . . . . . . . . . . . . . A
LL Llandudno
11-13 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
14, 29, 31, 33, 41 . . . . . . . . . . . . . . . . . . . . B
15-28, 30, 32, 34-40, 42-49, 51-78 . . . . . . . A
LN Lincoln
1, 5-6, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . B
2-4, 7-8, 10-13 . . . . . . . . . . . . . . . . . . . . . . A
LS Leeds
1-13, 15-16, 19, 26-27 . . . . . . . . . . . . . . . . F *
14, 18, 28 . . . . . . . . . . . . . . . . . . . . . . . . . . E *
17, 21-23 . . . . . . . . . . . . . . . . . . . . . . . . . . C
20, 25 . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
24 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
29 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
LU Luton
1, 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
2-3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
6-7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
M Manchester
1-9, 11-24, 40, 60 . . . . . . . . . . . . . . . . . . . . Refer
25-29, 32, 34-35, 38, 43, 45-46 . . . . . . . . . F *
30-31, 33, 41, 44 . . . . . . . . . . . . . . . . . . . . E *
ME Medway
1-2, 4-6, 8-13, 15-17 . . . . . . . . . . . . . . . . . C
3, 7, 14 . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
18-20 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
MK Milton Keynes
1-5, 7, 9-15 . . . . . . . . . . . . . . . . . . . . . . . . D*
6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
8, 16-17, 19, 40-42 . . . . . . . . . . . . . . . . . . . C
18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
43-46 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
ML Motherwell
1-2, 6, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
3-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
5, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
8, 10-11 . . . . . . . . . . . . . . . . . . . . . . . . . . . B
12 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
N London N
1, 7, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
2, 4-6, 8, 10-11, 13, 15-17, 19, 22 . . . . . . . F *
3, 14, 21 . . . . . . . . . . . . . . . . . . . . . . . . . . D*
12, 18, 20 . . . . . . . . . . . . . . . . . . . . . . . . . . E *
NE Newcastle-upon-Tyne
1, 4-6, 8 . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
2-3, 7, 12, 27-29, 32-33, 36-37, 39 . . . . . . . F *
45 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
9-11, 15-17, 21, 30-31, 34, 38, 40-42, 63 . . E*
13, 22-25, 35, 61-62, 64 . . . . . . . . . . . . . . . D*
18, 20, 26, 47 . . . . . . . . . . . . . . . . . . . . . . . C
19, 43-44, 46, 48-49, 65-71 . . . . . . . . . . . . B
NG Nottingham
1-4, 6-8, 10-12, 16-18 . . . . . . . . . . . . . . . . C
5, 15 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
9, 19-21, 25, 34 . . . . . . . . . . . . . . . . . . . . . B
13-14, 22-24, 31-33 . . . . . . . . . . . . . . . . . . A
NN Northampton
1-5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
6, 9, 13-16 . . . . . . . . . . . . . . . . . . . . . . . . . A
7-8, 10-12, 29 . . . . . . . . . . . . . . . . . . . . . . B
17-18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
NP Newport
4, 16, 18, 26 . . . . . . . . . . . . . . . . . . . . . . . . C
7-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
10-11, 19-20, 44 . . . . . . . . . . . . . . . . . . . . . E *
12-13, 22-24 . . . . . . . . . . . . . . . . . . . . . . . D*
15, 25 . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
NR Norwich
1-2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
3-4, 6-8, 30-31 . . . . . . . . . . . . . . . . . . . . . . B
5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
9-29, 32-35 . . . . . . . . . . . . . . . . . . . . . . . . A
NW London NW
1-2, 5-6, 8 . . . . . . . . . . . . . . . . . . . . . . . . . Refer
3, 10 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
4, 9, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
OL Oldham
1-5, 7-9, 15 . . . . . . . . . . . . . . . . . . . . . . . . F *
6, 16 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
10-14 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
OX Oxford
1, 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
2-3, 6, 10, 16, 25-27, 33, 44 . . . . . . . . . . . . B
5, 7-9, 11-15, 17-18, 20, 28-29, 39, 49 . . . . A
PA Paisley
1, 3-4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
2, 5-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
9-11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
12-15, 19 . . . . . . . . . . . . . . . . . . . . . . . . . . C
16-20 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
21-49, 60-78 . . . . . . . . . . . . . . . . . . . . . . . A
PE Peterborough
1-3, 5, 7, 20, 22 . . . . . . . . . . . . . . . . . . . . . C
4, 10, 13-14, 19, 25 . . . . . . . . . . . . . . . . . . B
6, 8-9, 11-12, 15-18, 21, 23-24, 26-38 . . . . A
PH Perth
1-2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
3-26, 30-44, 49-50 . . . . . . . . . . . . . . . . . . . A
PL Plymouth
1-3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
4-5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
6-7, 9, 20-21 . . . . . . . . . . . . . . . . . . . . . . . B
8, 10-19, 22-35 . . . . . . . . . . . . . . . . . . . . . A
PO Portsmouth
1, 3-6, 19 . . . . . . . . . . . . . . . . . . . . . . . . . . C
2, 7-8, 12, 15, 17, 20-21, 30 . . . . . . . . . . . . B
9-11, 13-14, 16, 18, 22, 31-41 . . . . . . . . . . A
PR Preston
1-2, 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
5-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
RG Reading
1-2, 4, 21, 30-31, 42 . . . . . . . . . . . . . . . . . . C
5-10, 12, 14, 17-20, 22, 28-29, 40-41, 45 . . B
23-27 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
RH Redhill
1-2, 6-9, 14, 16-18 . . . . . . . . . . . . . . . . . . . B
3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
4-5, 10, 12-13, 15, 19-20 . . . . . . . . . . . . . . A
11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
RM Romford
1, 6, 9-10, 12 . . . . . . . . . . . . . . . . . . . . . . . F *
2-5, 11, 17-18 . . . . . . . . . . . . . . . . . . . . . . E *
7-8, 13-16, 19-20 . . . . . . . . . . . . . . . . . . . . D*
S Sheffield
1-3, 5, 7-8 . . . . . . . . . . . . . . . . . . . . . . . . . Refer
4, 9, 11, 13-14, 60-61 . . . . . . . . . . . . . . . . . F *
6, 10, 12, 20, 35-36 . . . . . . . . . . . . . . . . . . E *
17, 21, 25-26, 63, 70-71 . . . . . . . . . . . . . . . D*
18, 32-33, 41, 43, 62, 64-66, 72-75, 80-81 . C
40, 42, 45 . . . . . . . . . . . . . . . . . . . . . . . . . . B
44 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
SA Swansea
1-2, 4, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
3, 5-6, 8-13, 15 . . . . . . . . . . . . . . . . . . . . . D*
14, 16, 34, 40-41, 43-47, 68-69, 72 . . . . . . B
17-20, 31-33, 35-39, 42, 48, 61-67, 70-71, 73 A
SE London SE
1-2, 4-8, 10-11, 13-19, 21-28 . . . . . . . . . . . F *
3, 9, 12, 20 . . . . . . . . . . . . . . . . . . . . . . . . . E *
SG Stevenage
1, 3, 5, 10-12, 15-17, 19 . . . . . . . . . . . . . . . B
2, 4, 13-14 . . . . . . . . . . . . . . . . . . . . . . . . . C
6-9, 18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
SK Stockport
1, 4, 14-16 . . . . . . . . . . . . . . . . . . . . . . . . . F *
2-3, 5-6, 8 . . . . . . . . . . . . . . . . . . . . . . . . . E *
7, 13 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
9-12, 17, 22-23 . . . . . . . . . . . . . . . . . . . . . B
SL Slough
0-3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
4-6, 8-9 . . . . . . . . . . . . . . . . . . . . . . . . . . . C
7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
SM Sutton
1, 5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
2-3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
4, 6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
SN Swindon
1-2, 6-10, 13, 25-26 . . . . . . . . . . . . . . . . . . B
3-5, 11, 14-16 . . . . . . . . . . . . . . . . . . . . . . A
12 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
SO Southampton
14-19 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
20, 24, 41-43, 50-53 . . . . . . . . . . . . . . . . . . A
21-23, 30-32, 40, 45 . . . . . . . . . . . . . . . . . . B
SP Salisbury
1-8, 10-11 . . . . . . . . . . . . . . . . . . . . . . . . . A
9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
SR Sunderland
1-5, 8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
6-7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
SS Southend-on-Sea
0-1, 6, 8, 13, 16 . . . . . . . . . . . . . . . . . . . . . C
2-4, 7, 9, 11 . . . . . . . . . . . . . . . . . . . . . . . . B
5, 12 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
14-15, 17 . . . . . . . . . . . . . . . . . . . . . . . . . . D*
ST Stoke-on-Trent
1, 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
2-3, 5-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . C
9, 12-14, 16, 18-21 . . . . . . . . . . . . . . . . . . . A
10-11, 15, 17 . . . . . . . . . . . . . . . . . . . . . . . B
SW London SW
1, 3-7, 10, 12-20 . . . . . . . . . . . . . . . . . . . . F *
2, 8-9, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
SY Shrewsbury
1-2, 4-12, 15-25 . . . . . . . . . . . . . . . . . . . . . A
3, 13-14 . . . . . . . . . . . . . . . . . . . . . . . . . . . B
TA Taunton
1-4, 6-23 . . . . . . . . . . . . . . . . . . . . . . . . . . A
5, 24 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
TD Galashiels
1-5, 7-10, 12-14 . . . . . . . . . . . . . . . . . . . . . A
6, 11, 15 . . . . . . . . . . . . . . . . . . . . . . . . . . . B
TF Telford
1, 3, 7-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . C
2, 5-6, 10 . . . . . . . . . . . . . . . . . . . . . . . . . . B
4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
9, 11-13 . . . . . . . . . . . . . . . . . . . . . . . . . . . A
TN Tonbridge
1, 4-6, 9, 11, 14, 16, 18, 22-23, 29-31,
34-36, 39-40 . . . . . . . . . . . . . . . . . . . . . . . B
2-3, 7-8, 10, 12, 19-20, 24-28, 32-33, 38 . . A
13 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
15, 17, 21, 37 . . . . . . . . . . . . . . . . . . . . . . . C
TQ Torquay
1-2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
3-14 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
TR Truro
1-10, 12-17, 19-27 . . . . . . . . . . . . . . . . . . . A
11, 18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
TS Cleveland
1-2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
3-4, 6, 10, 20 . . . . . . . . . . . . . . . . . . . . . . . F *
5, 7-8, 16-19, 24, 26-29 . . . . . . . . . . . . . . . E*
9, 14, 22 . . . . . . . . . . . . . . . . . . . . . . . . . . C
11-13, 15, 21, 23, 25 . . . . . . . . . . . . . . . . . D*
TW Twickenham
1, 9, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
2-3, 6-8, 10, 13-14 . . . . . . . . . . . . . . . . . . . E*
4-5, 12, 15-18 . . . . . . . . . . . . . . . . . . . . . . D*
19-20 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
UB Southall
1-3, 9 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
4, 6, 10 . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
5, 7-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
W London W
1-2, 5-6, 8-9, 12, 14 . . . . . . . . . . . . . . . . . . F *
3-4, 7, 13 . . . . . . . . . . . . . . . . . . . . . . . . . . E *
10-11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Refer
WA Warrington
1, 4-8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
2 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
3, 9-12, 15 . . . . . . . . . . . . . . . . . . . . . . . . . D*
13 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
14 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
16 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
WC London WC
1-2, 99 . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
WD Watford
1-3, 17-19, 23-25 . . . . . . . . . . . . . . . . . . . . C
4-5 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . B
6-7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
WF Wakefield
1-2, 4, 7-10, 12, 16-17 . . . . . . . . . . . . . . . . E*
3, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
5-6, 13-15 . . . . . . . . . . . . . . . . . . . . . . . . . D*
WN Wigan
1-4, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
5-6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
8 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
WR Worcester
1, 3, 12, 15 . . . . . . . . . . . . . . . . . . . . . . . . . B
2, 4-11, 13-14 . . . . . . . . . . . . . . . . . . . . . . A
WS Walsall
1-6, 10 . . . . . . . . . . . . . . . . . . . . . . . . . . . . D*
7, 12-13, 15 . . . . . . . . . . . . . . . . . . . . . . . . B
8-9, 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
14 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A
WV Wolverhampton
1-2, 12-14 . . . . . . . . . . . . . . . . . . . . . . . . . D*
3-4, 6-8, 11 . . . . . . . . . . . . . . . . . . . . . . . . C
5, 9-10, 15-16 . . . . . . . . . . . . . . . . . . . . . . B
YO York
1, 7-8, 10-11, 16-17, 19, 23-24, 26, 30-32,
41-43, 51 . . . . . . . . . . . . . . . . . . . . . . . . . . B
12-15, 21-22, 25, 60-62 . . . . . . . . . . . . . . . A
18 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C
ZE Lerwick
1-3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . A


* = needs to be garaged or else
____________________
Spain 2008France 2007Big one 2009 We all die. The goal isn't to live forever, the goal is to create something that will. In the end, your life will flash before your eyes. Make sure it is worth watching.
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Bendy
Mrs Sensible



Joined: 10 Jun 2002
Karma :

PostPosted: 12:05 - 05 Jun 2006    Post subject: Reply with quote

http://www.vauntage.co.uk/bike_groups.htm gives you a rough idea of the insurance group of different bikes.
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phantomtek
Lil Joe Tek



Joined: 20 May 2005
Karma :

PostPosted: 12:56 - 05 Jun 2006    Post subject: Reply with quote

A link to White Noise's insurance spreadsheet with a few names and numbers, websites and other such details.

Clicky
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Biker101
Traffic Copper



Joined: 22 Jan 2006
Karma :

PostPosted: 15:58 - 06 Jun 2006    Post subject: Reply with quote

Itchy wrote:

HX Halifax
1, 3 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . F *
2, 4-5, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . E *
6 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . C


Not at all accurate, how can you group HX1 and HX3 together?

HX3 spreads a wide area around, it covers the worst of council estates to some of the most luxury houses. I dont live in a luxury house but i do live in a very good HX3 area, i know that i couldn't move to a better area for insurance cus my dads an insurance broker and my Mother only pays 170 a year on her Micra with 1 years NCB, it would be difficult to find a cheaper car quote for anyone.

Anyone from Halifax would back me up on this.

On the other hand the BD one seems very accurate, everywhere expensive until you get to the high numbers.
____________________
Past: 06 Runner SP50 >>> 01 Varadero XL125 >>> 08 Kwak ER-6f >>> 05 CBR600rr
Present: 99 FZS600 Fazer
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coolfox1
Scooby Slapper



Joined: 14 Apr 2004
Karma :

PostPosted: 23:16 - 22 Jun 2006    Post subject: good deal Reply with quote

Thought I should add this

http://www.ebikeinsurance.co.uk/

Got some silly quotes from Bennett's, 400+, ebike got me down to 275 on no riding experience, no ncb, on a zx1 and you get free DAS legal cover and free breakdown cover.

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veeeffarr
Super Spammer



Joined: 22 Jul 2004
Karma :

PostPosted: 01:42 - 23 Jun 2006    Post subject: Reply with quote

Someone told me that the A-F area classifcations aren't being used anymore?
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maurice
Gay Hairdresser



Joined: 20 Jun 2002
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PostPosted: 04:06 - 23 Jun 2006    Post subject: Reply with quote

Those A-F classifications may be useful as a general guide, however they aren't that accurate.

When I moved from a C are to a B area I had insurance companies compare my postcodes as I was going to spend some time at each.

Every company I asked had my C area postcode down as lower risk than the B area one.
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Itchy
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PostPosted: 12:50 - 07 Jul 2006    Post subject: Reply with quote

Biker101 wrote:



Not at all accurate, how can you group HX1 and HX3 together?

HX3 spreads a wide area around, it covers the worst of council estates to some of the most luxury houses. I dont live in a luxury house but i do live in a very good HX3 area, i know that i couldn't move to a better area for insurance cus my dads an insurance broker and my Mother only pays 170 a year on her Micra with 1 years NCB, it would be difficult to find a cheaper car quote for anyone.



I'd be semi inclined to agree , my M post code covers some houses (prices 400K+) and gang banger city , a little futher down is the town centre where there are only council houses and a 95% dole rate, with druggies hoes and daily drive bys and chav fights, the cops got smart and don't open their police station past 3pm either, too dangerous for them
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Louise
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Joined: 22 May 2006
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PostPosted: 13:57 - 25 Jul 2006    Post subject: Reply with quote

Quote:
and PHONE EVERY SINGLE ONE OF THEM.


Cant express this enough. I foned a few, took me around 30-45 mins.
Went from 360 with Bennits to 210 with MCE

Worth the hassle!!
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Louise
World Chat Champion



Joined: 22 May 2006
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PostPosted: 14:44 - 25 Jul 2006    Post subject: Reply with quote

Just had another insurer phone me back trying to beat the 210 quote. But becasue I work in a pub, someone could trash the bike making it a higher risk Rolling Eyes some excuses huh!
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veeeffarr
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PostPosted: 14:59 - 25 Jul 2006    Post subject: Reply with quote

I've dropped to TPO and I'm 160 per year now with 100,000 legal and AA Breakdown! Very Happy
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cestrian
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Joined: 24 Jul 2006
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PostPosted: 02:13 - 26 Jul 2006    Post subject: good quote Reply with quote

I was pleasantly surprised when I was quoted 170 for fully comprehensive on my GS500. Or 140 fro TPF+T.
I live in North Wales.
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Jackyboy
Scooby Slapper



Joined: 24 Jul 2006
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PostPosted: 20:26 - 26 Jul 2006    Post subject: Reply with quote

ha EBike just quoted me 2k for my new bike! Make way for Bennetts! 890 Full comp 150xs + breakdown + helmet n leathers! man i love bennetts... cheap cover, Evel Kinevel games on the website and sexy ladies!
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Louise
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PostPosted: 08:38 - 27 Jul 2006    Post subject: Reply with quote

I found Bennits quiet crap to be honest.
Because I work in a public house theres more chance of it being trashed. Yet no other insurance company even bothered with that excuse.
Just goes to show that it dose differ alot with each person.
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HardBoiledEgg
Borekit Bruiser



Joined: 08 May 2006
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PostPosted: 20:37 - 09 Aug 2006    Post subject: Reply with quote

how i found mine:

( https://www.aquote.co.uk/frames.asp?pagecode=MC&referrer=CO0MBKW )

find your lowest, hope this helps. Smile
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fuzz
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Joined: 24 Mar 2004
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PostPosted: 22:59 - 15 Aug 2006    Post subject: Reply with quote

One thing I've always wondered, why do they ask you your occupation? I don't see that it matters unless you will be using your vehicle for work.
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Adam.I
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PostPosted: 23:27 - 15 Aug 2006    Post subject: Reply with quote

Took the words right out of my mouth Fuzz. I've always wanted to know that too. What does it matter if your a barman, or a nursery teacher? If it was something like taxi driver or pizza delivery then yeah.
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Bendy
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PostPosted: 13:40 - 31 Aug 2006    Post subject: Reply with quote

It's all about statistics.

If they get 10% of doctors making a claim every year, but 70% of librarians, then they're going to load your policy for being a librarian as you're statistically more likely to claim.

I used to get reamed because I worked for a record company, with some companies unwilling to even quote me. Now I do almost the same job but I'm self employed and the same companies are all climbing over themselves to insure me. Rolling Eyes
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froggeh
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Joined: 20 Jul 2006
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PostPosted: 00:11 - 16 Sep 2006    Post subject: Reply with quote

Bendy wrote:
It's all about statistics.

If they get 10% of doctors making a claim every year, but 70% of librarians, then they're going to load your policy for being a librarian as you're statistically more likely to claim.

I used to get reamed because I worked for a record company, with some companies unwilling to even quote me. Now I do almost the same job but I'm self employed and the same companies are all climbing over themselves to insure me. Rolling Eyes

Absolutely

I am unemployed but because I am purposely unemployed looking after my baby son, it's WAY cheaper. I am a house-husband. So words matter...

Also always remember, if you phone up, the person on the other end can discount you from their bonus... Smile - just ask for it...
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sunbear
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PostPosted: 22:37 - 16 Sep 2006    Post subject: Reply with quote

House husband lol Laughing I wish i could afford to be one Crying or Very sad
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Itchy
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Joined: 07 Apr 2005
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PostPosted: 23:07 - 16 Sep 2006    Post subject: Reply with quote

froggeh wrote:

I am unemployed but because I am purposely unemployed looking after my baby son, it's WAY cheaper. I am a house-husband. So words matter...
.


brave man somebody I used to know not in Mancs was a house hubby the scowling looks he'd get from men and women alike.
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froggeh
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Joined: 20 Jul 2006
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PostPosted: 18:04 - 25 Sep 2006    Post subject: Reply with quote

sunbear wrote:
House husband lol Laughing I wish i could afford to be one Crying or Very sad


Oh let me tell you, you don't... It's far flippin harder than so called 'real' work Shocked
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six
Trackday Trickster



Joined: 29 Sep 2006
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PostPosted: 18:18 - 29 Sep 2006    Post subject: Reply with quote

How are you all getting like 150 - 200 for your quotes. I am just about 16, and looked up the cost for Third Party, Fire and Theft insurance on an Aprilia RS 50, restricted at 30mph, used for recreational purposes only, and it came to, lowest, 800! Thats more than the bike is worth itself (second hand)!!!

I will certainly take a look at some of the websites up... and I will go out and get my MCN as well! Very Happy thanks
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linuxyeti
Spanner Monkey



Joined: 06 Oct 2006
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PostPosted: 17:02 - 06 Oct 2006    Post subject: Bike Insurance Reply with quote

Hi All

I've found www.directchoice.co.uk a good place to start.

My insurance for the VTX1300 & JL250 TPFT 170 with no no claims bonus.

Chituma CTM125 + 2 other named drivers(both cbt only) + 1yr NCB 77

For my girlfriend TPFT Suzuki GZ125 97.00 with no NCB.

I spent hours scowering the internet and none came in cheaper.

Cheers
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