View Full Version : Bl00dy Bike insurance
ClunkintheUK
21-09-13, 11:04 AM
So done all the hassle of selling the car, figured out what bike I want to add to the fleet, its in budget Mrs. Clunk is excited about being able to go places (like Ireland in october) that we had planned.
Last bit to sort. Insurance. No problems. I'll add it to my existing policy which can do multibike. existing is 480 (for of a stupid petrol station bump and an @rse of a van driver) they wanted, wait for it, 2800.
Ok i expected it to go up as the bike I am looking at is bigger (Tiger 800). I can't get a quote for under a grand. bar-stewards have effectively scuppered the plans at the last hurdle.
by any chance is that Carole Nash?
ClunkintheUK
21-09-13, 11:43 AM
H&R insurance. Wouldn't use them again if I can avoid it. Not very helpful. Been having a look. Only way I can do it so I can afford it is third party only for both bikes. still 900 quid.
try ebike, purely an online company. Never had any issues with them, even when i had to claim.
Specialone
21-09-13, 12:02 PM
Multi bike has never worked out cheaper for me, always way cheaper with two policies and it's getting cheaper every year with the ncb building up.
I'm with HR, had the Falco on full comp and bought the Trumpet to park next to it till spring.
And the cost of that... £20
With special one and job, try ebike, after I got taken out on a roundabout they were the only ones with sub £1k premiums for me. You don't get anything fancy and no cover for riding other bikes but to start the NCD going it may be a good shout.
Also try separate policies, in mr clunk and mrs clunk names on each. Mix it up etc and see how you get on.
Be a real shame to scupper a trip because of insurance!
ClunkintheUK
21-09-13, 01:00 PM
Will give ebike a try. Tried carol nash as well. Problem is it is london, and an expensive bike. The accident was in the car so my bike NCD was unaffected.
Ebike came out the cheapest insuring the trumpet separetely at 800 on compare the market. I might give them a call directly and see if I can haggle it down with the fact that it will be bolted to an anchor cemented in the ground (one of those push iron a-frames) with a big f-off chain. (whats the best one for that?)
Ahhhh yes the good old car vs bike claim gig.
No feck r will take the other as NCB but they will each happily count claims on the other!
ClunkintheUK
21-09-13, 03:29 PM
I can see SOME overlap. If your drive like a n0bber, you are likely to ride like a n0bber. What really annoys me is this accident just would not happen on a bike unless you are monumentally retarded. It was the unparking in too narrow a road. albeit at a petrol station.
How close are you to getting your green badge at TVAM? That entitles you to some excellent multi-bike deals and premiums with "IAM only" brokers.
Matt-EUC
21-09-13, 09:10 PM
after I got taken out on a roundabout
Surely as its a non fault incident, it shouldn't affect your premiums. Neither of mine have.
Also, the accidents I had on the bike, the car insurance companies didn't even want to know about.
Surely as its a non fault incident, it shouldn't affect your premiums. Neither of mine have.
Also, the accidents I had on the bike, the car insurance companies didn't even want to know about.
Non fault shouldn't but it's an accident none the less and it changes your risk profile.
I would check the questions very carefully. As it prob says something like have you had ANY claims, losses or accidents in the last x years.
Matt-EUC
21-09-13, 09:20 PM
It does say "any" but when I phone them I mention it was on a bike and they say "oh that's fine I'll just take that off"
It does say "any" but when I phone them I mention it was on a bike and they say "oh that's fine I'll just take that off"
In that case take a note of their full name, ext number date and time.
They may say that but the company may not.
Technically with most insurers you have to declare if you drop it and replace parts as that is a loss.
Matt-EUC
21-09-13, 09:24 PM
Interesting.
Interesting.
Yeah, most people on the phones won't know the ins and outs of what are properly required. Always make sure you cover your own ass if they say anything like that. Depending on their t's and c's they can either charge additional premium mid term or avoid your policy from the start
cb1000rsteve
22-09-13, 11:54 AM
Just tried an ebike quote as recommended above. My quote this year from ebiuke is £462!!! The one i will be going with is only £133. Try thebikeinsurer.com. Cheapest about by miles
ClunkintheUK
22-09-13, 04:36 PM
Not that close to my green badge, I haven't been riding much apart from my commute. Gonna do some digging around tomorrow. I'll phone up the companies. Have heard that can help bring premiums down.
Thanks Steve. I'll give them a try too. At the mo two insurers does seem like a cheaper option.
How close are you to getting your green badge at TVAM? That entitles you to some excellent multi-bike deals and premiums with "IAM only" brokers.
If you are over 25 :(
kaivalagi
22-09-13, 05:36 PM
Multi bike has never worked out cheaper for me, always way cheaper with two policies and it's getting cheaper every year with the ncb building up.
Also try separate policies, in mr clunk and mrs clunk names on each. Mix it up etc and see how you get on.
+1, don't bother with multi bike policies, they're not all thier cracked up to be...I got 2 seperate policies for my bikes, used my existing NCB on where the discount would be greater and started with zero on the other...cheaper by a long way. Plus you can play the barter game with seperate policies and get them to bring down the costs better on comparing with other brokers via online comparisons etc. I kept both with the single broker in the end but there's no reason to...
ClunkintheUK
23-09-13, 08:49 AM
So, this might turn into a bit of a saga. But I have been doing some digging on the insurance front. So just to set the scene. My current insurers was 2800 to add it to my existing policy. They say if I garage it they can add it for 950. or they can insure it thirds party only for 1100 or something like that (No idea why its more). Did some digging around. Multibike policies for both bikes are coming in at around 1000-1300 (can remember exactly). So tried separate new insurance for just the triumph, came in at 850. I thought I'd take the advice of moving my NCB which is only 1 year to the more expensive bike. I am getting quotes in the region of high 500s. to re-insure the SV with no NCB its 300 (I think about what I'd get back from my current insurers.) So hopefully the project is back on. albeit as an almighty faff.
ChrisCurvyS
23-09-13, 12:08 PM
It would probably be easier to just get a trader's ride/drive anything policy! Glad you're getting there - if it's any help, Money Saving Expert's guide to bike insurance is pretty comprehensive: (no pun intended)
http://www.moneysavingexpert.com/car-insurance/motorbike-insurance
Just got mine for £78 TPF&T with business use at 31, with three year's NCB. Oddly, going third party-only or removing business cover barely made any difference - just a couple of quid off for each, so I didn't bother.
Just going back a bit - as Pyro says, while few insurers take into account car NCB on a bike policy, and visa-versa, from everything I've ever heard they most definately take accidents on either vehicle into account, so I'd be very wary of someone in the call centre telling you otherwise.
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