Insurers, don't you just love 'em

[Gazza77]

A couple of weeks ago, prior to going test riding, I called my insurers (Simply Bikes) to get a quote. They took all the details, and quickly and helpfully came back to me to advise that there would be approx a £65 increase to the end of my policy for a Benelli Tornado. Given I only paid £143 this year for the Sprint, I was happy enough with that.

A week later, I got a letter from Simply, advising they were giving up offering bike cover, and my policy would be transferring to Swinton for the duration. Today I called Swinton to transfer the policy to the Benelli. After 5 mins on hold, I was advised that "the underwriter won't cover sports bikes", so I had to have a quote for 12 months with a different underwriter. This came out at nearly £1100. :smt092

I now have a choice of cancelling the Sprint policy (getting me an 89p refund after cancellation charges) and getting a policy elsewhere, or paying the 12 months with Swinton. With a quote of less than £350 elsewhere, guess what I'll be doing. :rolleyes:

[davepreston]

id phone them and ask how much for any ride any bike addition to your current policy (if they ask so you can test ride new bikes your looking at )which they have to honnor, it may be a extra 50 quid but keeps you from doing a fresh 12 month policy, also note you'll need to check if its 3rd party only on any bike or full comp
hth

[sv4me]

D'oh! i'm sure some insurance companies just think of a number and double it. Lovely bike btw

Complete other end of the scale but i'm having fun and games with my insurers at the minute, seeing what they'll charge me next. I cancelled my old scoot off my policy so it was just my ninja for last month. My premium for TPF+T went from £28 to £6 a month.....:-k

I've now added my Duke to the policy and when it came to the quotation screen I wasnt looking forward to the porking I was going to get off them.....it said for this month I would be charged -19.16. I've even got the documents through today confirming that amount! Sure its a glitch and im pretty sure they wont stick to it, but i'm checking my bank tomorrow to see what they take. If theyre true to their word, i'll be getting paid to ride a Ducati :smt081

Watch this they'll take £150 off me now i've said that.....

[andrewsmith]

haha

you need to screen shot that and show us if it happens

[Dave20046]

A couple of weeks ago, prior to going test riding, I called my insurers (Simply Bikes) to get a quote. They took all the details, and quickly and helpfully came back to me to advise that there would be approx a £65 increase to the end of my policy for a Benelli Tornado. Given I only paid £143 this year for the Sprint, I was happy enough with that.

A week later, I got a letter from Simply, advising they were giving up offering bike cover, and my policy would be transferring to Swinton for the duration. Today I called Swinton to transfer the policy to the Benelli. After 5 mins on hold, I was advised that "the underwriter won't cover sports bikes", so I had to have a quote for 12 months with a different underwriter. This came out at nearly £1100. :smt092

I now have a choice of cancelling the Sprint policy (getting me an 89p refund after cancellation charges) and getting a policy elsewhere, or paying the 12 months with Swinton. With a quote of less than £350 elsewhere, guess what I'll be doing. :rolleyes:
I could have told you that :( , infact I thought I'd posted about it - *******s aren't they -swinton were a grand more for me too. think bikesure were cheap for me but you'll have to get ringing!

Dave's ideas a good'n

[Ceri JC]

id phone them and ask how much for any ride any bike addition to your current policy (if they ask so you can test ride new bikes your looking at )which they have to honnor, it may be a extra 50 quid but keeps you from doing a fresh 12 month policy, also note you'll need to check if its 3rd party only on any bike or full comp
hth

Be careful doing that; ride other bike entitles you to ride (usually TPO) any other bike, which someone else already insures. So, if your mate has a bike which he is insured to ride and he gives you permission, you can ride it and your insurer will cover you. You can't use it to ride other bikes which are not insured (whether you own them or not).

[yorkie_chris]

Yeah I've got other bike cover but it doesn't count if it's owned by or registered to me.

(but they don't have to be otherwise insured)

[davepreston]

Be careful doing that; ride other bike entitles you to ride (usually TPO) any other bike, which someone else already insures. So, if your mate has a bike which he is insured to ride and he gives you permission, you can ride it and your insurer will cover you. You can't use it to ride other bikes which are not insured (whether you own them or not).
you mean like this
id phone them and ask how much for any ride any bike addition to your current policy (if they ask so you can test ride new bikes your looking at )which they have to honnor, it may be a extra 50 quid but keeps you from doing a fresh 12 month policy, also note you'll need to check if its 3rd party only on any bike or full comp
hth

and youve got this bit wrong too mate see below

Yeah I've got other bike cover but it doesn't count if it's owned by or registered to me.

(but they don't have to be otherwise insured)

mmmm registered to my dad mr insurance company;)

[yorkie_chris]

What happens when you park it at the side of the road?

[BernardBikerchick]

don't get me started!! i was quoted over £700 frigging quid !! thank god i got it down to 225 though still a lot grrrrrrrrrrrrrrr

[ThEGr33k]

Yea, this whole Simply insurance thing is a laugh... I was with them since they did a decent service for the 2 years I was with them, I then got a letter through saying they were stopping doing bikes etc and that Swinton will contact me.

Swinton contact me and quote £900. Says what you think "pretty bad to be honest" I say, "how much you pay last year?", "£350". "Oh, no wonder they went under", whats the best quote you have this year?" "£375" I say. Ah ha **** thought id actually go for it. Swinton have always been WAY off of the mark. Its funny really.

Anyway, now payed £413 FC 6y Protected NCB, with breakdown etc, including all the mods so im pretty happy, with MCE.

[yorkie_chris]

My insurers did similar trick this year
"well it was £300 this year, that was really cheap, in fact you mugged us for that"
"best we can do this year is £560, everythings gone up, you'll struggle to do better than that"

Ok we'll see. £250.

Fair enough sales pitch but when you've just told them you've just had quotes around £275, just blatant b*llocks!

[Dave20046]

My insurers did similar trick this year
"well it was £300 this year, that was really cheap, in fact you mugged us for that"
"best we can do this year is £560, everythings gone up, you'll struggle to do better than that"

Ok we'll see. £250.

Fair enough sales pitch but when you've just told them you've just had quotes around £275, just blatant b*llocks!

Yeah swinton were talkin ******** to me "you're a liability, you won't get any cheaper than that (about a grand!)" next two company's I rang weighed in around the £300 mark.
****s.

[andrewsmith]

Yeah swinton were talkin ******** to me "you're a liability, you won't get any cheaper than that (about a grand!)" next two company's I rang weighed in around the £300 mark.
****s.

Flipside for me

My previous insurer said £600 renewal, Swintons £456 and they were the cheapest I got.

To give the people that know about the IAM arguments on the org; IAM Adelaide insurance £700 TPFT with 3000 miles usage (I do around 7k a year, that was £1,000 or £350 more than I paid the previous year)

[Gazza77]

My rant gets bigger today. I set up a new policy with hastings for just under £340, and called Swinton on Saturday to tell them where to stick their quote (although perhaps a little more politely). I was then advised that I couldn't unless I paid an additional £25 for the honour, completely contradicting what I was told two days earlier. After a 5 min argument, I told them to leave it running, and instead have written a formal complaint, along with returning the docs and telling them to cancel the policy.

Got my new docs today, and they show the bike as being registered in 2005 on a 10 plate. Obviously that would be an impossibilty, so I called Hastings to ask for it correcting. After being passed from pillar to post I was told that it would cost me £43 to correct! This is despite the fact that their website shows the bike as being registered in 2010! They are blaming the comparison site I initially used, despite the fact that it doesn't ask for when the bike was registered if you put the reg no in. I was given the choice of cancelling and paying to do so, pay the premium, so not really much of a choice. Another formal complaint heading to insurance-land, and if I don't get positive answers to them both, I'm sorely tempted to refer both of them to the ombudsman. :smt072

[andrewsmith]

Do it mate, thats stupid! I've never paid out in the first 2 weeks (the grace period by law) I had to correct my last policy twice as they mucked the paperwork up, and paid £20 when I had to up the mileage

[454697819]

sorry, i'm probably the reason why they went under, they insured me on the tuono for £275 quid aaaaaaaannd i crashed..

sowwwwwy..

I did call them this year when I got the the ST2 but they then didn't insure under 30's comp...