quick insurance answers required..please

[Quiff Wichard]

ok my insurance is up on thursday

I have a great quote from bennetts for £132.07 and from dial direct for £128 !.


yes its cos I am old.. !


if I add legal cover and leather and helmet cover and personal accident cover it goes to £210 and £206 respectively..


1. have you heard of dial direct.
2 should I go with the addidtiions as £200 is a good price anyway .

are Bennetts Ok .. I have heard bad stories and good, cos maybe I thinkin bennetts are bike specific.. .,

or should I just go for the £132 basic cover and spend the differnce on beer??

[Quiff Wichard]

oh both are 350£ excess.. protected no claims- ( I have 5 years) and ride other bikes and 90 days european cover.,.

[Quiff Wichard]

more- helmet and leaTHERS INSURANC EIS £48 TO ADD..
ONLINEYOU CAN BUY IT SEPERATE FOR £20 A YEAR WITH £50 EXCESS. ! HMMMMM

[MR UKI (1)]

You won't know how good or bad they are until you claim mate and touchwood you won't have to. I'm with Bennetts now cos of price, worst experience I had was with Carole Nash (no fault claim took ages to finish). I always go by lowest price (depending on excess etc) with the view that as long as I don't claim their service won't be an issue.

[Lissa]

Have you tried Footman James, Quiff?

You get full UK and European breakdown and recovery thrown in. Worth a few quid a year.

[MR UKI (1)]

Oh and never heard of direct dial, but if their price is good and excess etc were acceptable I'd go with them cos I ain't fussy for reasons in above post :D

[MR UKI (1)]

Have you tried Footman James, Quiff?

You get full UK and European breakdown and recovery thrown in. Worth a few quid a year.

But only worthwhile if you ain't got a car with separate break down cover which you could use for your bike.

[Quiff Wichard]

ta both

Lissa the euro thing wa sjust anice extra i dont envisage goin europe tbh.. but u never know.. and me already RAC covered for breakdown etc seperately for car n bike..

ooo its aminefield..

but right now the £100 odd pound seems appealing but I fancy legal cover and personal accident .. but not sure if i throwin cash away..

[Quiff Wichard]

But only worthwhile if you ain't got a car with separate break down cover which you could use for your bike.

the ducati jacketed sv riding god beat me to it.!!

[MR UKI (1)]

ta both

Lissa the euro thing wa sjust anice extra i dont envisage goin europe tbh.. but u never know.. and me already RAC covered for breakdown etc seperately for car n bike..

ooo its aminefield..

but right now the £100 odd pound seems appealing but I fancy legal cover and personal accident .. but not sure if i throwin cash away..

When I had my no fault off I used a bike specific solicitors I found off here to deal with my 3rd party claim rather than the insurance co's chosen solicitor. Best decision I made, didn't cost a penny and got personal injury, bike repairs, clothing etc compensation and the guy dealing with the claim was sound.

[BigFootIsBlurry]

Dial direct are a sister company/part of AA insurance. Not sure what they're like though.

[MR UKI (1)]

the ducati jacketed sv riding god beat me to it.!!

Knowing what car you drive mate breakdown cover is a must :D

[Quiff Wichard]

50K of legal cover costs if needed and £5000 up to of cover if I injured in an accident that is my fault.. if I add the two on.

but then like Uki says you dont know the small print ect and if they worth it.

I may get leathers n helmet cover seperate for £20 !! a year but then its easier to jsut add it on here.. and done for a year- . doesnt stipulate any excess on helmet and leather cover? Imay have to call them tommorow to confirm

[kwak zzr]

use the bikeinsurer.co.uk quiff their legal cover is free and dial direct is one of their insurers.

[Quiff Wichard]

When I had my no fault off I used a bike specific solicitors I found off here to deal with my 3rd party claim rather than the insurance co's chosen solicitor. Best decision I made, didn't cost a penny and got personal injury, bike repairs, clothing etc compensation and the guy dealing with the claim was sound.

Paul - this ays it covers you for a "fault off" for any personal injury..

I just wonder if false economy is the way forward or if I am throwing dod money away or being foolhardy..


(and I at mine now paul not in the shed ! miracle )

[Luckypants]

I say it every time, check if you can cover your helmet and leathers as sports equipment on your household cover. Mine was (Direct Line) when I had my off. Might save you a few quid.

Also try A-quote, have been very competitive for me. The underwriter is Norwich Union so were good when I had to make a claim.

[Quiff Wichard]

use the bikeinsurer.co.uk quiff their legal cover is free and dial direct is one of their insurers.


oo me go see-
I sick of filling in the same info on every form ..

[MR UKI (1)]

Paul - this ays it covers you for a "fault off" for any personal injury..

I just wonder if false economy is the way forward or if I am throwing dod money away or being foolhardy..


(and I at mine now paul not in the shed ! miracle )

Could be worthwhile then if covers you when at fault. I personally buy inusrance cos it is a neccesity with a view that I don't plan on claiming, so the less the better for me. Different for different people though innit :D

[kwak zzr]

its a comparison site u only fill the form once.

[MR UKI (1)]

its a comparison site u only fill the form once.

He's already filled in 100 forms though to get his other quotes :D

[Quiff Wichard]

i go tthem off go compare


someone told me tesco are giving £50 away

direct line I been told are giving 15% off to new customers

but no one is gonna beat just over £100 quid are they ??

I paid £192 last year and had one less Sp30 !??

[kwak zzr]

"Quiff is typing with knuckles as we speak!"

[Quiff Wichard]

hey cheers Mike .. good heads up.

kwak.. i have slit open me finger and have some surgical tape and steri strips and bandage on it.. bad big flappy cut..

[Quiff Wichard]

bike insurer take sme to bennets and says 12 months for price of 9.. hmmm I think i need more tea and more typin

[MR UKI (1)]

i go tthem off go compare


someone told me tesco are giving £50 away

direct line I been told are giving 15% off to new customers

but no one is gonna beat just over £100 quid are they ??

I paid £192 last year and had one less Sp30 !??

Unlikely to get it less than a £100 fully comp I'd of thought. I got a £79 TPFT quote the other week for mine though :confused:

[kwak zzr]

but no one is gonna beat just over £100 quid are they ??



dats a bargain! spend ya monies tight git!:riding:

[Quiff Wichard]

thats for comp too... my ex used to go mad when folk said fully comp- she says it is COMP ! you cant get more fully than comprehensive.. hee hee..


I waiting on quote now kwak from the site u said.. phew i jsut want to click on one and forget it and watch this prison thing on itv and have a beer.!

[adamw2k2]

Have you tried Express Insurance? Cheapest I have found by a long way - although breakdown cover isn't included as standard

[Quiff Wichard]

£137 via that site kwak.. will peek at what extras there are..

[kwak zzr]

dont think u gonna beat £100 mate, lowest ive found is £220 and i think thats good considering my history :(

[kwak zzr]

£137 via that site kwak.. will peek at what extras there are..

u got free legal on that.

[Quiff Wichard]

oo was 750 excess.. !

now with 500 excess its £153.. and no extras.??

cheaper via go compare but still bennetts .. ?.. it is with axa via the bike insure site..,,


phewww me tired..

[kwak zzr]

drink beer matey and sort it tomorrow :)

[Quiff Wichard]

good idea !!

end of thread-- ..

joke-

anyone got anything good to add- please do..






pssssttt <<< beer bottle opens.. :smt038

[Quiff Wichard]

just got to do my car insurance now for in a weeks time.. - that will be about £500 !

need to see if it passes mot on thursday yet !..

[SoulKiss]

Google for H&R Insurance in Aberdeen.

Used them for years and they have always been good.

[Quiff Wichard]

Aber bloody deen!!!

[Quiff Wichard]

cheers dave but 262 was the best with them- ooo me poor aching fingers

[SoulKiss]

I didnt say they were the cheapest.

When I had the incident with the SV they were VERY good, sorting out the bike bing picked up, the hire bike, getting things moving with NIG etc.

I have NO complaints about them at all, which appears to be pretty rare when dealing with insurance companies.

[Quiff Wichard]

understood. and apologies..

[timwilky]

I thought bennets wouldn't touch bikes with mods.

I use A quote and they were excellent, good recovery package. AA is a waste of time as they will not recover after an off.

Did a test using bikeinsurer the other day and again good price but gets a bit expensive when you bolt on extras

[ricky]

you trided bike sure, got mine with then was cheap for me at the time

[Quiff Wichard]

cheers for the answers .

all done now-

gone with Bennetts for bike after io rang n spoke to them and e sure for my car- got the two for what I was gonna pay for just the car- all for half a day of internet searching..

ta all

[Stig]

I thought bennets wouldn't touch bikes with mods.

They do, they did with me



all done now-

gone with Bennetts

Errr. I am quite sure you said you wanted insurance that will able you to ride other bikes. I think you will find Bennetts do not insure anyone to ride other motorcycles. One of the reasons they can quote so cheap.

[Quiff Wichard]

Errr. I am quite sure you said you wanted insurance that will able you to ride other bikes. I think you will find Bennetts do not insure anyone to ride other motorcycles. One of the reasons they can quote so cheap.


err nope dont think so Si.. I maybe said that one I was lookin at had that feature which was a nice to have but not neccesity.. dunna think I wud ride any other bike.. tbh

I rang them and all was Ok.. and the euro riding was a nice to have too but hey.. I am quite pleased.. there was one £8 cheaper but me not herd of them and I thought or that money I may as well gho with bike specific insurers..

[MR UKI (1)]

err nope dont think so Si.. I maybe said that one I was lookin at had that feature which was a nice to have but not neccesity.. dunna think I wud ride any other bike.. tbh

I rang them and all was Ok.. and the euro riding was a nice to have too but hey.. I am quite pleased.. there was one £8 cheaper but me not herd of them and I thought or that money I may as well gho with bike specific insurers..

I wouldn't let you ride mine ;)

[Stig]

err nope dont think so Si.. I maybe said that one I was lookin at had that feature which was a nice to have but not neccesity.. dunna think I wud ride any other bike.. tbh


All good then. :D

[kbh]

I've just taken out a policy with dial direct, they seem ok and offer eveything all the other companies do, but as everyone else says you don't know what there like until you need to make a claim! (underwritten by equity red star i think?)