Received my insurance renewal.

[G]

I am currently with carol nash and paid £455 fully comp last year.

Last night I received my renewal, with another years ncd with the same underwriter ERS... £450 for the year with £450 excess!

I rang them up to make sure they didn't auto renew and they obviously started haggling.

The cheapest quote I had was from the bike insurer with bikenet for £260. I told them this and they went away. 10 minute later they're back offering £440 :rolleyes:

I politely turned down the offer. She then ask what I would be willing to pay 'today right now' to which i kept quite and asked what they were willing to offer if I paid now. 5 minutes later shes offering £350.

Still not good enough as I had £300 in mind. This time she went away for a good 20 minutes and came back with an offer of £320 with £200 excess fully comp, breakdown/recovery etc. The underwriter is themselves not some random company.

Woop snapped her hand off.

Carol Nash are great and get my recommendation again. Yes they were not as cheap as £260, but the excess is smaller, you get recovery and breakdown... And most importantly you can ring up and instantly speak to an English speaking person.

[ThEGr33k]

I think you have to be old for them to like you... ha ha. Are you old G?

[G]

Not really, infact I was told at the weekend I didn't look old enough to be out on my own let along ride a bike... 26 by the way.

[ThEGr33k]

Not really, infact I was told at the weekend I didn't look old enough to be out on my own let along ride a bike... 26 by the way.


Ha ha, similar problem to me with the youthful thing. Bah. I not even bothered with Nash this time because normally they just take the ****.

[Luckypants]

G definitely looks older than you Nick, everyone does! :-D

[dyzio]

G definitely looks older than you Nick, everyone does! :-D

I'd say it's close ;)


CN don't like me either, quoted twice the usual price @ 28

[dizzyblonde]

I'm dreading the renewal with CN this year. Last year I wasn't overly impressed with how little I got them down to, but with five years no claims this time, you'd have thought it would be peanuts fer an old bird!
Maybe they'll be nice if I tell them they are parked up for the majority of the year, and will be doing about 1000 miles between them :-(

[phi-dan]

Age hasn't got anything to do with Carole Nash. My last renewal with them (first full year on the SV) was around £50 higher than the previous year (on an NTV). This with max no claims (in reality 12 years although they only count to 9), 3 points and 35 years on the age meter, and a customer of many years standing.
Went throught the bike insure and ended up with £80 fully comp - the nice English speaking person at CN almost swallowed his headset when I told him the price difference.

It's not just bike insurance either - we've just had the renewal for our buildings and contents and they want around £100 more than anyone else (for less cover)

[dizzyblonde]

It is for sure just insurance in general. Pegs insurance with the ZZR was not impressive this year compared to last either, but like I said to him, CN had said last year that every company was struggling to give decent prices, the excuse was the credit crunch. If you can find a good quote somewhere else thats great, but what benefits are you losing if you swap. CN give a great package and haven;t had any gripes from me because of naff service, but I am reluctant to go elsewhere, because of other peoples disappointments with so many companies!

[Dicky Ticker]

Advantage of being an old git:)-----After reading the thread I did Confused.com. Same company I am with want a whole £76:63 for fully comp with a £250 excess------------I might take them up on that in June.

[Dicky Ticker]

Dizzy,a lot of that is probably change of post code.

[ChrisSV]

CN wanted £1200 for my SV, and thats TPF&T, that just seemed a bit OTT for me. CIA got it me for £450, with no excess. I rang CN back and all i got was an awkward silence when i told how cheap i did get it.

[araya213]

CN only count up to 5 years no claims, or so the CN lady told me. They were more expensive than Bennetts (and a couple of others). But once I'd added up all the other stuff as standard with CN, it came out the same as or more expensive than CN. Plus, I like talking to someone English, or at least British, and understandable!

[MrMessy]

Just taken insurance out again with e-bike through Quidco. So should get some cash back. Tried Carol Nash they where wanting 3 times as much with Aviva (who they seem to prefer:eek:) eventually came back with a cheaper quote with Equity Red Star but still way above e-bike. Why they did not quote that in the 1st place when I told them what my cheapest quote was? He kept going on about how they know about bikes ie is the end can a four into one system :confused: Not impressed so went with e-bike and at least you can list all the modifications and know everthing is O/K. What I did note is that e-bike wanted an extra £40 for business use which they initially did at same price as SDP. Also had problems with CN when adding/changing bikes mid-term. Old age does help getting a reasonable quote:)

[rowdy]

CN only count up to 5 years no claims, or so the CN lady told me. They were more expensive than Bennetts (and a couple of others). But once I'd added up all the other stuff as standard with CN, it came out the same as or more expensive than CN. Plus, I like talking to someone English, or at least British, and understandable!
Pretty sure CN went up to 9 years when I insured with them in January.
Was with Bennetts for years but they won't insure the bike with gixxer forks, and I got CN to price match my lowest quote (from ebike). In fact CN would insure my SV with all modifications and my VFR for the same price as Bennetts renewal price pre fork upgrade.

[dizzyblonde]

Dizzy,a lot of that is probably change of post code.

Of course for him at least. I knew that would happen, before he stepped foot in Yorkshire.!
But I haven't changed my postcode;)

[dirtydog]

When I insured the SV a few months ago CN were one of the most expensive, they wanted nearly £300 for the SV with the mods on it and 9 points, the Tornado RS was only £400!!!

[thedonal]

CN have been pretty good with me for prices- but I am still getting my no claims built up (2 years now). Was £230 fully comp this year with 2 years. Went up £35 with my points, but as I now don't have them (thanks The Met!), I'll be calling them to sort this out and refund the difference!

Many things are taken into account- locality and your job (if you're a musician, apparently the premium is notably higher becuase your "more likely to ride your bike into a swimming pool" apparently. I expect they don't take into account that musicians are generally less wealthy, therefore cannot afford to take such risks!).

[Amplimator]

i too am with CN, paid 350 last year FC. the renewal i was sent last week was 570!? i called them and told them to shove it where the sun dont shine.

they rang back and as if by magic lowered it to 290 :eek:

so im gonna play that figure off against a few other companys to see if it can be beaten ;)

[ricky]

i look at these prices and makes me think mine is very cheap im with bikesure, and mine was something like 120 full come for the year with unlimited miles on it