insurance now 9k after one crash

[badsaboy]

can this be right? I just used comparison websites and found that if I was to get back on two wheels my insurance would be just over 9k.
this is insane - what a rip off!!!!!
i stated that the accident was my fault even though it still hasnt been sorted out yet - so if i am found to be at fault then i will pretty much never ride a bike again.:(

[shonadoll]

Always phone insurance companies- we got quoted 1800 for daughter in first car, then phoned and got 1050. Also how old are you?

[badsaboy]

just turned 30. i just cant understand how 1 claim can turn the insurance into 9k. this insuring a 6k bike as well.

[Fallout]

That's very suspect. How about TPFT?

[dyzio]

just turned 30.

that's weird...
I'm about your age and I've been in that situation a year ago, but the quotes were around £400 (about £100 more that expected) on a £3k Aprilia.

Which site are you using? have you tried www.thebikeinsurer.co.uk ?

[badsaboy]

this is for a gsxr600 fully comp. tpft was the same price and only tp only changed it to 6k.
i know its a super sport but my insurance quote for the same bike was 900 - 1k. so i cant see how 9k is justifiable? i used mcn and compare t m.

[Fallout]

I am 31. I have a GSXR750. It costs £220 TPFT. I have 1 claim (though not involving another party and on car insurance) and 6 points. The only difference is my bike is only worth £2k tops.

When did you get the gixxer? It's probably one of the most stolen bikes, but that doesn't explain why it's still 6k for TP only. I would recommend calling A-Plan, or another broker. A-Plan are great and have a lot of underwriters to call, and they're actually intelligent people who know what they're doing. They'll get you a deal.

Case in point, I had a skyline. £2k through comparison websites, £500 via A-Plan, as they found me a grey import japanese specialist policy.

[badsaboy]

i havent bought it yet.... but i want one. i just cant help myself.
looks like ill have to buy another sv!

[Spank86]

That's crazy money, what did you crash into a Bugatti veyron?

[badsaboy]

a 61plate astra. i still think its he's fault but we have to wait for the insurance ppl to sort out their stuff. they have offered 60/40 in his favour but i says no to that rubbish.

[Paul the 6th]

Any points or crime wave postcode?

[badsaboy]

no nothing like that.

[Paul the 6th]

I'd phone them once insurance has been sorted out mate, sounds like it could be one of those weird computer glitches which no one really understands.. bit like those weird urban things where people go on fire for no reason.

[Haircut]

The problem is you don't fit into one of the right pigeon holes for an online quote.

Best get a list of the most common bike insurance brokers and get dialing.

I would be surprised if someone like Bennetts do not give you a much better quote than that over the phone.

[Suchy]

I was getting quoted with zero years no claims fully comp £1000 at 25 so sounds a bit over the top your quotes. Luckily I have two years no claims so that brought it down so i could afford the bike and insurance. Hope you manage to get a better quote else where I did after a bit of going to every comparison site i could find ended up mcn insurance comparison was good for me.

[Danny Dickinson]

I know its a slightly different situation, but i got 6 points thanks to ASDA's online exclusive insurance policies being s**t, and all of a sudden, i couldn't insure anything with four wheels, this is how i ended up doing my direct access and jumping on the sv.

I tried ringing around, but i refuse point blank to pay more than £2900 to insure a H reg Citroen AX, TPF&T, when the thing is worth no more than £100. It didn't matter if i tried older, newer, bigger or smaller cars, the simple fact i have come to realise, is that until these points go, im not having a car.

More than anything, the issue is the fact that there is no real governing body that is willing to set realistic caps on insurance premiums. In essence, while insurance is a legal requirement, they will charge what the bloody hell they like, whether they have justification for it or not!

[Morph]

It's already been said, but call them. The algorithms used for internet comparison sites are often out of whack when you start bringing things like accidents in. The only way to get an accurate quote, is to dial them direct and explain your full situation.

My story:
I had an sv650, insured for £510,
which was written of in an accident which wasn't my fault.
I bought another sv, checked the quote online, and it was £550 without the accident or £1200 when I put it in. I calls them up, and got the insurance for £550 straight away.

[Fallout]

Another insurance anomaly! When I got my 6 points, it made no noticeable difference to my premium. Mind you mine were SP50 and SP30, so minor speeding offences. Might make a difference as to the offence.

[Djgary]

I never knew APLAN did bike insurance, they are very good indeed. I was getting quotes of over 2 grand for my transit van since I was insuring it privately and not as a commercially used vehicle, I have over 20 years of no claims and I'm 46 years old so 2 grand is a hell of a lot for a van, I had sold my 8 month old ford galaxy that was worth 28 grand and had seven seats to buy the transit and the galaxy was just £224 per year fully comp.
A plan quoted me £450 fully comp including European cover so they are very cheap for certain vehicles however even with APLAN you need to ring around as they quoted around 50 % higher for my wife's Clio than the comparison sites.
My sv is a 2004 plate k3 naked I passed my test last November and I pay £110 tpft bike is garaged when at home no alarm but a good lock.

[Fallout]

Yeah, A-Plan are only good for specialist policies or situations. They are rubbish for run of the mill policies. My passat, which we insured for less than £300 this year was quoted as £700 with A-Plan. But if you've got a fudged up scenario, modified vehicle, or something else that makes it ludicrous (criminal record, for example), they'll have something for that.

[badsaboy]

i think calling them will be best. cheers everyone.

[Thunderace]

Adrian Flux, Specialist bike insurance my zzr11 was only 210 a year but I had no points back then but worth a try.

[yorkie_chris]

I know its a slightly different situation, but i got 6 points thanks to ASDA's online exclusive insurance policies being s**t, and all of a sudden, i couldn't insure anything with four wheels, this is how i ended up doing my direct access and jumping on the sv.


Do tell?

[Danny Dickinson]

basically, i was main driver and registered keeper on the policy, dunno how it happened but me mam ended up policy holder as a named driver. Ccome havin a 2mph bump, no damage to either car, it went to insurance because the other party tried claimhng fnr whiplarh. Asda said i had fronted the policy to get it cheapeq, even though it wasnt cheaper, because i was the main driver etc.... They cancelled the policy, then it went to court, and i got 6 points and a 330t quid fine for having no insurance! Looked online, and it turns out im not the first persom to be scqewed by them. I

[Danny Dickinson]

might be worth mentioning, i complained to the financial services autority, the office of fair trading, and the financial ombudsman, several times, but no joy from any of them. Somethin to do with not havin enough complaints to warrent investigating it.....

[Messie]

Because, fundamentally, it is your responsibility to check all documents relating to the insurance policy. If you let a mistake slip through then it's down to you.

In law, you have to make sure all is legal, not leave it up to others to do that for you.

[Danny Dickinson]

i understand that, but by their own terms and conditions, that policy was fine. Nowhere did it say that the main driver and/or registered keeper had to be the pmlicy holder

[Bibio]

the registered keeper has to insure the vehicle as the main driver and the insurance document has to be in their name.

with insurance companies you ALWAYS check the policy when you receive it.

[DaveyF]

I'm 32, two years riding experience and one years no claims with one at fault (although not really my fault) claim. Highest quote on my Street Triple was £24,000 when going through a search engine.

Actual renewal was quite a lot less!

[yorkie_chris]

the registered keeper has to insure the vehicle as the main driver and the insurance document has to be in their name.

with insurance companies you ALWAYS check the policy when you receive it.

Not exactly, you could get someone else named as main driver quite legally.*
In fact if the owner/RK was to state they were main driver, but their son was driving it the majority of the time that would be fronting...

However actually finding a company to do this might be difficult as it's not the norm.

*Anyone drive a company van for example?

[daveyrach]

I am the register keeper and owner of my car but the insurance is in my wifes name with me as a named driver, seems legal as they accept the details when you give them, maybe because we are married?

I use my bike all week and only use the car for short trips at the weekend

With regards to cost on bike insurance I'm 25 and my SV will cost me £130 for the year at renewal.

[yorkie_chris]

Check the small print on that, my bike policies all state that the proposer is also the registered keeper and owner and these details are confirmed on phone at inception of policy.

[Dicky Ticker]

YC You mention company van,it depends on the "Company" i.e If it is Ltd.partnership or sole trader.
We are sole traders but have a clause to cover temp drivers or anybody driving with our permission.All vehicle registered to an individual as the owner with the insurance in the trading name.
If it is a Ltd company the company is an entity in its own right and all vehicles would be registered to the company responsibility of the co. sec.

All very complex with pitfalls if your insurance is done by yourself direct where as we go through a brokerage making the responsibility theirs.Yes it does cost a bit more but not astronomical for the peace of mind.

Just a thought----example you insure through ASDA but they actually insure you by using RED STAR,do they then become a brokerage?

With regard to wife and myself on our insurances we were advised to register the vehicle in joint names,two cars one insure by her as main driver a me as named driver,the other with me as main driver and her named. I don't know why but by doing it like this they reduced the premiums even further. ???????

[yorkie_chris]

YC You mention company van,it depends on the "Company" i.e If it is Ltd.partnership or sole trader.
We are sole traders but have a clause to cover temp drivers or anybody driving with our permission.All vehicle registered to an individual as the owner with the insurance in the trading name.
If it is a Ltd company the company is an entity in its own right and all vehicles would be registered to the company responsibility of the co. sec.

All very complex with pitfalls if your insurance is done by yourself direct where as we go through a brokerage making the responsibility theirs.

Exactly, all about making sure facts are correct and you are sticking to the contract you agreed to (the one you accepted by not whinging in the 14 days cooling off etc)

Point is not so simple as policy proposer MUST be main driver who MUST be owner and registered keeper.
In case of PLC, owner is an entity which can't drive... therefore main driver is someone else. Still perfectly legit just a different contract.


Almost all insurance is done by broker... carole nash or whatever... that does not give you any protection from liability. You still have own responsibility.

[daveyrach]

Surely if you tell the Insurance company that your spouse is the registered keeper they are well aware when they quote you so if it is an issue they have mis-sold the policy.

[daveyrach]

I just checked my policy as you had me worried, it says you can share the policy with a spouse or someone who shares financial responsibility but the does not include business partners or associates.

[Danny Dickinson]

ASDA will have been the broker in my situation, as it was underwritten by Southren Rock. Like i said, in the T&C's, there was nothing to state that the registered keeper/main driver had to be policy holder.

Either way, i put in a guilty plee by post, because the way i figured it, if i went to court to fight it, i dont qualify for legal aid because of work/wage, and im almost a million percent sure that ASDA will have a much bigger, better paid legal team than me haha.

What's done is done eh!

Just out of interest, i work for Network Rail, and therefore drive their vehicles. We have an insurance certificate in each van, but it doesnt have a main driver etc.... just says network rail, so is the company classed as the main driver??? I know how i wanted that to sound in my head, but it translated to turd when trying to explain what i meant on here haha

[DaveyF]

I would think that fleet insurance works a little differently.

[Bibio]

I just checked my policy as you had me worried, it says you can share the policy with a spouse or someone who shares financial responsibility but the does not include business partners or associates.

you can share the policy with a spouse (named driver) but the insurance holder must be the registered keeper of the vehicle with domestic insurance. i have tried in the past without success to insure someone else's bike/car.

so i would advise you to phone your insurance company and tell them that your wife is not the registered keeper and you are or put the car in her name.

[daveyrach]

I don't need to bother. The certificate say main driver is my wife but also clearly states under the heading owner is spouse and the heading registered keeper is also spouse.

Surely if what your saying is the case then they should have told me at POS. The car has to be in my name as the finance for it is.

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[daveyrach]

Not the case it would seem.

Driving someone else’s car is a big responsibility so making sure you’ve got the right insurance is vital, but can you even insure a car if you’re not the registered keeper? Here’s what you need to know.Before getting behind the wheel you need to have car insurance - this is a legal requirement.However, if you’re not the registered keeper of the car you want to drive you need to be extra careful; this is particularly the case if you want the car insurance policy to be in your name.Not all*car insurance companies*will insure you as the 'main driver' on a car insurance policy if you don't officially own the car.Worse still, if you aren't up front about the vehicle's ownership and your insurer finds out they are likely to cancel your policy - something that could leave you high and dry if you did need to make a claim.Insurers take ownership of a vehicle as the person named as the 'registered keeper' on the DVLA's records. They also assume that the person insured as the 'main driver' on a policy will use the car most of the time - this is something you need to bear in mind when you're shopping around for car insurance.Here’s how to make sure you don’t get caught out.

What’s the problem?

The main reason some insurers refuse to cover anyone but the registered keeper as the 'main driver' on a car insurance policy is because of the increased risk that they'll need to pay out.They assume that as a*driver without a financial interest in the car you're likely to take less care on the road and be more likely to make a claim.Insurers will often take an individual approach rather than applying a blanket policy, and if*you're in a 'high risk' group anyway (you're a young driver, have had previous convictions or drive a performance car for example) then you may find it harder to get a insurance in your name.*

So will I be able to get cover?

Ultimately this will depend on your situation, if insures can see that you have a vested interest in the car they may be more likely to offer the cover you’re looking for.Similarly, if you list the car's registered keeper as a 'named driver' then they may look on your application more favourably too.However, whether they choose to offer cover or not will be at the discretion of each individual insurance provider.

What do I need to do?

There are three solutions you can look at: search for insurance with a company that will cover you, become the car's registered keeper, or insure the car in the registered keeper’s name and drive as a named driver.The last of these options should only be used if you genuinely share usage of the car with the person that is registered as the keeper, if you don’t this is called “fronting” and could land you in some serious hot water further down the line.If you’re going to be the main driver of the car then you will need to find insurance in your name and make it clear from the outset that you’re not the registered keeper.

Finding the best insurance if you're not a car's registered keeper

Even though you might find you have a more limited choice, it is still vital to hunt for the best car insurance policy possible.You should go about finding cover in exactly the same way as you would if you were the car's main driver with one exception: you need to make it clear that you are not the registered keeper of the vehicle when you get a quote.Most insurers will ask you this specifically during the quote process so you simply need to be honest.However, many automated insurance quote comparison sites will assume you are the registered keeper of the car, so caution is needed. For this reason it's better to get quotes with car insurers directly - this way you can be confident you'll be covered.

I have made it clear from the outset so I'm all legal and covered.

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[Fallout]

Interesting. I'm the registered keeper of both cars in my household, yet I'm insured on one with Mrs as named driver and she's insured on the other with me as a named driver. The one she's insured on isn't overly expensive. Perhaps the cohabiting bit takes the premium hike out of the equation (we're not married).

[daveyrach]

Interesting. I'm the registered keeper of both cars in my household, yet I'm insured on one with Mrs as named driver and she's insured on the other with me as a named driver. The one she's insured on isn't overly expensive. Perhaps the cohabiting bit takes the premium hike out of the equation (we're not married).

I think marriage makes a difference hence why I can do it as we are mutually responsible financially.

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