Topic: Insurances

[ifizzy]

Thought i`d start something other than an argument for a change  '>

so......

SV650S K2

FULLY COMP £260 WITH A NAMED RIDER

0 YEARS NO CLAIMS

COMP: AQUOTE

suits me sir!!!

[guzz]

Guzzi 1000S and a 1340 H****Y
3rd party F&T £180
7 years no claims protected
choice quote
very happy with it  '>

[ninjaboy]

zx6r 2006


h&r insurance services

390 fully comp

7yrs ncb protected

well happy

[naughty lee]

4 yrs NCD
FireBlade fully comp £160
and i want a beter deal this year!

[MATTP]

Around £900 for 95 GSX-F 600 and RSV Factory TPFT and happy '> If I did not live is such a bike lovers ( '> ) postcode I think I'd get a lot better. But such is life '>

[Aceman]

Me: 41, 13 years NCB, Member of IAM, full bike licence for 24 years.
Bike: 2004 R1, 3 years old, owned from new. Garaged at home, ground anchored, Almax chains - 4 of them!
Need: Fully comp, protected NCB, DOV, social/domestic/pleasure use, plus Class 1 Business use (driving/communting to more than one place of work).

I've just got off the phone from 1st Choice.  They quoted me £809 with Zenith on my bike with £600 excess which is the highest excess that I've ever had.  The lady said that it is my Class 1 use that is making the premium high.  So I asked her to drop that off so we could see a comparison.  She then said "That's weird, Zenith are now not quoting for you, and the premium has gone up to over £1000.

So far, my renewal is £365 with Choice Quote,  but I've had other quotes, the lowest so far is £340.  Bearing in mind that it is no longer a new bike, and is EXTREMELEY secure, I still think that is far too high.

[Terry]

About 500 squid now.

However when I first got my zx6 and I was 20 it was £1400 TPFT! Yes I know!  

[MATTP]

I was told that the insurance changes each month depending on what has been stolen/crashed/etc, in what area, by which sex and by what age group in the month before.

I park the Facotry in a Gov building with guards and there is little difference on the price. Then again I don't think there are many good postcodes in London for cheap insurance.

[riz K5]

GSXR 1000 K5

4 years NCB,

£350 full comp.

  

Sure this will go up dramatically on my renewal later this year, with my 6 new shinny points for speeding last year.

[Aceman]

I've just got off the phone with Choice Quote, who I'm currently insured with.  They've quoted me £335.  I've got over a week left on my policy, so plenty of time to do some shopping.

[Aceman]

Quote (Terry @ April 16 2007,11:40)

About 500 squid now.

That's a lot of calamari '>

[MATTP]

Quote (Terry @ April 16 2007,11:40)

About 500 squid now. However when I first got my zx6 and I was 20 it was £1400 TPFT! Yes I know!

TPTF on a TRX 850 when I was 28 with a value of £1800 was.....£1850  '> Told them about the 3 chains and made no difference. I went 3rd party on for £450odd which worked out well as the more I found out about the TRX the more it was clear to me that no one would want to take it  '>

[Tino]

I'm saying nothing, insurance companies, bit of a joke for me.

[Aceman]

Quote (Saint @ April 16 2007,12:01)

I'm saying nothing, insurance companies, bit of a joke for me.

Tino - Why?  Is there something I/we don't know that I/we should?

[Weaver]

Quote (Aceman @ April 16 2007,11:38)

Me: 41, 13 years NCB, Member of IAM, full bike licence for 25 years. Bike: 2004 R1, 3 years old, owned from new. Garaged at home, ground anchored, Almax chains - 4 of them! Need: Fully comp, protected NCB, DOV, social/domestic/pleasure use, plus Class 1 Business use (driving/communting to more than one place of work). I've just got off the phone from 1st Choice.  They quoted me £809 with Zenith on my bike with £600 excess which is the highest excess that I've ever had.  The lady said that it is my Class 1 use that is making the premium high.  So I asked her to drop that off so we could see a comparison.  She then said "That's weird, Zenith are now not quoting for you, and the premium has gone up to over £1000. So far, my renewal is £365 with Choice Quote,  but I've had other quotes, the lowest so far is £340.  Bearing in mind that it is no longer a new bike, and is EXTREMELEY secure, I still think that is far too high.

Try www.biketeam.co.uk

[Tino]

Quote (Aceman @ April 16 2007,12:18)

Quote (Saint @ April 16 2007,12:01) I'm saying nothing, insurance companies, bit of a joke for me. Tino - Why?  Is there something I/we don't know that I/we should?

LOL, not really.

There was a thread last year about insurance costs, I think I came top.....  '>

In last years Ride rider power survey, I was the person with the highest insurance cost in the country. I think it must be my job....

[ifizzy]

Quote (Aceman @ April 16 2007,11:38)

Me: 41, 13 years NCB, Member of IAM, full bike licence for 25 years. Bike: 2004 R1, 3 years old, owned from new. Garaged at home, ground anchored, Almax chains - 4 of them! Need: Fully comp, protected NCB, DOV, social/domestic/pleasure use, plus Class 1 Business use (driving/communting to more than one place of work). I've just got off the phone from 1st Choice.  They quoted me £809 with Zenith on my bike with £600 excess which is the highest excess that I've ever had.  The lady said that it is my Class 1 use that is making the premium high.  So I asked her to drop that off so we could see a comparison.  She then said "That's weird, Zenith are now not quoting for you, and the premium has gone up to over £1000. So far, my renewal is £365 with Choice Quote,  but I've had other quotes, the lowest so far is £340.  Bearing in mind that it is no longer a new bike, and is EXTREMELEY secure, I still think that is far too high.

Thats ridiculous.....

1

2

3

might be worth a try

[Aceman]

Quote (ifizzy @ April 16 2007,12:46)

Quote (Aceman @ April 16 2007,11:38) Me: 41, 13 years NCB, Member of IAM, full bike licence for 25 years. Bike: 2004 R1, 3 years old, owned from new. Garaged at home, ground anchored, Almax chains - 4 of them! Need: Fully comp, protected NCB, DOV, social/domestic/pleasure use, plus Class 1 Business use (driving/communting to more than one place of work). I've just got off the phone from 1st Choice.  They quoted me £809 with Zenith on my bike with £600 excess which is the highest excess that I've ever had.  The lady said that it is my Class 1 use that is making the premium high.  So I asked her to drop that off so we could see a comparison.  She then said "That's weird, Zenith are now not quoting for you, and the premium has gone up to over £1000. So far, my renewal is £365 with Choice Quote,  but I've had other quotes, the lowest so far is £340.  Bearing in mind that it is no longer a new bike, and is EXTREMELEY secure, I still think that is far too high. Thats ridiculous..... 1 2 3 might be worth a try

Here is the checklist that I use when shopping for insurance.  I've deleted some of my personal details.


Essential requirements
•   Protected NCB –
•   3rd party cover to drive motorcycles
•   Class 1 Business use i.e. driving to various venues for my business
•   Must not be a self cancelling policy
•   Must satisfy that current 13 NCD is valid BEFORE commencement of policy.
•   Must confirm 14 years NCD at end of policy if no fault claims are made
•   Must not insist on bike being secured anywhere other than home
•   Only UK based service & help.  No international centres.

Good extras
•   RAC (or equivalent)  – Accident, breakdown, unlimited tow-home mileage
•   Any else you can offer?
•   Guaranteed replacement motorcycle in event of loss, theft or damage
•   Legal protection (is there a charge for this, or is it free)

My licence-
SP50 21 day ban from dated deleted fined £XXX No Claim Discount / Claim free riding 13 years.

Previous accidents:
Date deleted – non fault (rear ended)

My details: British Citizen, born in London.

Occupation: Deleted

Motorcycle is my property, registered in my name,
Met Police "BikeSafe London Skills Day".  
IAM member - passed bike & car exam

Vehicle details:
No performance enhancing extras.  RG crash protectors added, Almax chains & ground anchor when at home.

[Aceman]

Quote (Weaver @ April 16 2007,12:24)

Try www.biketeam.co.uk

Oh thanks Weaver - £793.63

[Ginger]

im 23 years of age
11 points on licence
live in a shit area
sv650s 1999 plate

insurance company e bike   127.31 per month fully comp breakdown cover included no alarm and ankered to ground

[Aceman]

Quote (Ginger @ April 16 2007,18:09)

im 23 years of age 11 points on licence live in a shit area sv650s 1999 plate insurance company e bike   127.31 per month fully comp breakdown cover included no alarm and ankered to ground

You must be female and live in Hackney.

[Darkmonster]

Quote (Aceman @ April 16 2007,05:21)

Occupation: Deleted

Its Ninja isn't it? Or are you a secret agent?

Come on Martin, you can tell us!!

 

[Weaver]

Quote (Aceman @ April 16 2007,17:46)

Quote (Weaver @ April 16 2007,12:24) Try www.biketeam.co.uk Oh thanks Weaver - £793.63

Well I dunno why - RO pays less than £300 fully comp through them for his Daytona with less NCB!

My renewal for the GS with only 2 years is £101 fully comp.  We both have protected NCB too and I am sure we have Class 1 as well.

[Ginger]

Quote (Aceman @ April 16 2007,18:33)

Quote (Ginger @ April 16 2007,18:09) im 23 years of age 11 points on licence live in a shit area sv650s 1999 plate insurance company e bike   127.31 per month fully comp breakdown cover included no alarm and ankered to ground You must be female and live in Hackney.

what makes you think that im male actually and i live somewhere in middlesex

[TallGuy]

Age: 38
Licence: clean but wasn't always
Live: in a reasonable area in Dorset
Bikes: 91 Pan, 97 Pan, 00 CBR600, 04 CBR125
Insurance: All bikes fully comp, unlimited mileage, Class 1 use, pillion cover, not alarmed or secured.
NCD: 6yrs
Cost: £360