insurance renewal supprise

[cornishsv]

well i had my insurance renewal through at the weekend but could'nt believe the cheapness of the quote, so phoned them today to make sure the mods were included as they were'nt on the renewal quote. and to my supprise they were so got no clain protected added to. at £200 fully comp at 34 with only a years riding experiance with exhaust,brakes and other mods in a high crime zone with the bike living out side, i think its cheap. and half what i was paying last year.

[Ratty]

Mine has come down too. Unusual for a renewal with the same Insurer. I'm down from £195 to £160 for comp with some mods on my SV1000S. That is with Hastings. Not a good post code either. Maybe the girls have started paying for us ?

Ratty

[cornishsv]

mines with hastings to.

[Fallout]

You still hitting the comparison websites? Might get it even cheaper somewhere else. Thanks ladies for letting us crash and you picking up the bill! :)

[cornishsv]

did all the comparison sites, but was unable to beat the renewal,with noclaims protection and legal cover

[Ratty]

I tried a few comp sites with quotes as low as £112, but when you add in the mods, they all went up to around £200.

[dazuk]

im with swinton mine went up from £240 last year to £300 this year did loads of searching comparison sites etc now got fully comp @£115 with just-motorcycleinsurance.com was £157 online rang them and he got it down to £115.

[650]

Weirdly, mine at fully comp is an extortionate amount, so I opted for TP only (I know, I know) and it costs me about £130 a year. The difference between that, TPFT and FC is simply unreal.

[Littlepeahead]

Thanks boys, I bet mine goes up to £5,000,000 this year even though the bike is mostly sat in the garage.

[Dicky Ticker]

Equality is good,women want it--------or is that only when it suites them.
BIG:)

[ChrisCurvyS]

I started riding a few years ago and found mine went down substantially after the first and second year of no claims. Bennetts wanted 450 pa when I swapped the 125 for the the SV, this year with two years NCD it was circa 170.

Suppose that even if you've got 9/10 years NCD as a car driver (as I did) you're still something of an unknown quantity on two wheels.

Btw I don't know how scientific the study was but Carole Nash listed the SV650 as the 10th most crashed bike in MCN over Xmas!

[Ceri JC]

Mine has come down too. Unusual for a renewal with the same Insurer. I'm down from £195 to £160 for comp with some mods on my SV1000S. That is with Hastings. Not a good post code either. Maybe the girls have started paying for us ?

Ratty

It's a possibility. IIRC, the stats I read for cars said the change would result in a 12% drop for men and a 13% rise for women, on average. So, for a couple, it'd be pretty much the same. Unfortunately for two lesbians I am friends with (one of whom works in the insurance industry) this means their household has enjoyed a large spike in premiums.

I don't know how it'll affect bikes as:
A) The ratio of males:females is higher in bikes, so the effect of the "dilution" on males' premiums will be less.
B) Unlike cars, females are over-represented in motorcycle accidents. You would hope that the insurers would have an interest in ensuring that their actuarial tables reflected this already, but the cynic in me suspects that they did not.


Suppose that even if you've got 9/10 years NCD as a car driver (as I did) you're still something of an unknown quantity on two wheels.


I can see the sense in this. Perhaps the reverse is true, however; 10 years motorbike NCD means if you then learnt to drive, you'd be a far lower risk than someone who hadn't driven before. I normally gripe about how insurers pick and choose to suit themselves; IE they claim your car/bike NCBs are separate (for the purpose of any reduction in premium), yet will happily penalise your motorcycle costs for a car accident. I was pleasantly surprised when two separate car insurers agreeing with me that; "having a motorcycle accident in Germany, solely due to being on the wrong side of the road, in no way shaper or form makes me more likely to have an accident in a car, here in the UK". So they recorded the fact on my policy, but left my (car) NCB intact and didn't load my premium at all!


Btw I don't know how scientific the study was but Carole Nash listed the SV650 as the 10th most crashed bike in MCN over Xmas!

I wouldn't read too much into that; SVs are one of those bikes that tend to actually get ridden rather than chucked in a garage with a trickle charger. They're also a very common bike.

[chris8886]

well i had my insurance renewal through at the weekend but could'nt believe the cheapness of the quote, so phoned them today to make sure the mods were included as they were'nt on the renewal quote. and to my supprise they were so got no clain protected added to. at £200 fully comp at 34 with only a years riding experiance with exhaust,brakes and other mods in a high crime zone with the bike living out side, i think its cheap. and half what i was paying last year.

what's your location?!

Equality is good,women want it--------or is that only when it suites them.
BIG:)

quite right!!

[Littlepeahead]

Do you think installing a lipsalve and nail file holder on my GS counts as a mod?

I wonder if the engine bars will increase or decrease the cost?

It will be interesting to see if mine increases when I change it this year to allow the carrying of a pillion. Never bothered when I had just the SV as I took the rear seat off but my nephew wants to come out on the GS which is more passenger friendly. And if Chris8886 keeps losing his licence like an eejit then at some point I'll probably have to give him a lift on two wheels rather than four.

[Ceri JC]

Do you think installing a lipsalve and nail file holder on my GS counts as a mod?


Look into RAM mounts. They do a coffee cup holder, popular with self-depricating GSA riders. I'm sure you could misappropriate it to hold a large tub of lip balm. Touratech/Wunderlich will doubtless do a £200 tool roll you could carry your nail file in, too.
:lol:


I wonder if the engine bars will increase or decrease the cost?


Insurers in general seem very reasonable about mods on GSes. Perhaps because they know the owners are more interested in making it look like it could cross the Serengeti unsupported, rather than squeezing 5 more HP out in order to be able to crash 2mph quicker.
:D

FWIW, my crash bars were declared on my F800GS and made no difference either way. Usual "we'll fix your bike to stock, not to modded" clause applies.

All the larger GSes are great pillion bikes (well, compared to things like the SV). I don't know which one you have, but the 650 engined ones are a bit weedy two up with two adults (unless you're both small). Doable, no doubt, but not really much better than the SV. The GS12 and GSA are great; you'll hardly notice someone on the back and they are so heavy so low down, it's hard to topple them. Carrying a pillion heavier than yourself on the F8 can be "interesting"; it's quite a tall bike, with a high COG compared to the boxers. I find it quite a handful at very low speeds two up with a heavy pillion, particularly when the tank is near empty. Pillion comfort itself is good, mind.

[Littlepeahead]

Look into RAM mounts. They do a coffee cup holder, popular with self-depricating GSA riders. I'm sure you could misappropriate it to hold a large tub of lip balm. Touratech/Wunderlich will doubtless do a £200 tool roll you could carry your nail file in, too.
:lol:



Insurers in general seem very reasonable about mods on GSes. Perhaps because they know the owners are more interested in making it look like it could cross the Serengeti unsupported, rather than squeezing 5 more HP out in order to be able to crash 2mph quicker.
:D

FWIW, my crash bars were declared on my F800GS and made no difference either way. Usual "we'll fix your bike to stock, not to modded" clause applies.

All the larger GSes are great pillion bikes (well, compared to things like the SV). I don't know which one you have, but the 650 engined ones are a bit weedy two up with two adults (unless you're both small). Doable, no doubt, but not really much better than the SV. The GS12 and GSA are great; you'll hardly notice someone on the back and they are so heavy so low down, it's hard to topple them. Carrying a pillion heavier than yourself on the F8 can be "interesting"; it's quite a tall bike, with a high COG compared to the boxers. I find it quite a handful at very low speeds two up with a heavy pillion, particularly when the tank is near empty. Pillion comfort itself is good, mind.

I have the 2010 F650GS, you know the one that is 798cc but BMW call it a 650 so as not to confuse it with the F800 which is also 798cc and then this year they launch the 750 which isn't a 750 at all! It's also factory lowered with a low seat so that I can flat foot it. Or lend it to Hong so he feels tall. He likes the KTM990 Adventure S but I just can't see it suiting him.

http://forums.sv650.org/picture.php?albumid=983&pictureid=6635

I weigh well under 9 stone, my nephew is only 10 and skinny so that shouldn't be a problem as if he comes on the back it will be short slow steady rides.

Chris8886 is a proper chubby but also a midget - remember Weebles? Well he makes them look svelte and statuesque.



(Stands back and waits for abuse from Chris)

[chris8886]

And if Chris8886 keeps losing his licence like an eejit then at some point I'll probably have to give him a lift on two wheels rather than four.

oi! i'm no eejit thank you very much! :smt021:crutches::smt019


Chris8886 is a proper chubby but also a midget - remember Weebles? Well he makes them look svelte and statuesque.



(Stands back and waits for abuse from Chris)

how about sod off fat guts! less of the abuse ey?! :-#:smt064