View Full Version : Insurance for £56.82
Professor
04-10-13, 03:19 PM
You know you are really old :( when the cost of your annual insurance drops to £56.82 (comprehensive with pillion cover, via Swinton). :cool:
A couple of years ago with Swinton's cashback and Quidco cashback they paid me 58p to insure TPFT, this year's was a whole £9.38! .....I'd rather be young again and pay more though!
Professor
04-10-13, 03:36 PM
I am impressed, Dipper. :thumbsup:
And you are right - being young has some advantages. Though, overall, I think, "young" is overrated.
fine until you get to the 'addons'. most insurers wont even look at me and i'm 47.
Professor
04-10-13, 04:11 PM
I am 57 and insurers still treat me OK.
I have a friend who goes skiing with me and he is 86. Getting winter sports cover for an 86 year old is no easy task.
i pay well over the odds for insurance (around £180 FC) due to all the bling bling on the bike. but hey it's my only luxury.
Professor
04-10-13, 04:30 PM
Bibio, glad to hear that the "addons" refer to your bike, not your body. You left me wondering for a while.
Interestingly, I just my renewal through....
Renew with current insurer for £10046.00!!!
Or
Go with an alternative for £48.65 total annual premium!!
What the!!!??
Think they messed something up big time!
Professor
04-10-13, 05:19 PM
£10046.00 is a bit steep.
Toooldtodie
04-10-13, 05:41 PM
Well after 21 years biking and my current annual commute of 6000 miles my £55 fully comp from Bennetts seems good!! Alas, last Thursday taken out on a roundabout by car driving numpty has left me with a leg like an elephant's (no, nowt else has swelled to similar proportions) and a bike currently in limbo in Bournemouth. Will be interesting to see if that kind of quote will be available at renewal time despite full liability admitted and a police prosecution for the driver... they will have their pound of flesh! Oh, and below the knee on my left leg I got plenty!!
Professor
04-10-13, 06:04 PM
Sorry to hear of your off, Toooldtodie (like the name!). Maybe you insurance next year will be OK. My wife had an incident many years ago when somebody drove into her car in front of two policemen witnesses and admitted liability. That incident did not affect her insurance.
And sorry to hear about your leg. BTW, this forum has a history of people posting photos of their swollen body parts, including private parts.
thefallenangel
05-10-13, 08:00 PM
I'm 25, having now jumped to a Speed Four and now my insurance is £74 TPFT and £25 cashback with quidco making it under £50. My tax cost bloody more.
Professor
06-10-13, 08:15 AM
Impressive result for a 25-year-old, thefallenangel!
Toooldtodie
07-10-13, 07:51 AM
Agree, very good vfm for someone of 25. Would it be useful to share the names of insurers offering these rates? I know that not everyone gets the same deals, but it could give us a steer as to whom to try when renewal comes up.
rapidgaz
07-10-13, 07:55 AM
Wish mine was. I am 44 and best quote I got for my sv was 420.
Professor
07-10-13, 07:57 AM
I normally do my insurance via http://www.moneysupermarket.com/
The particular insurer that comes out cheapest is different each year. This year it was Swinton.
Professor
07-10-13, 08:08 AM
Wish mine was. I am 44 and best quote I got for my sv was 420.
Pretty steep for a mature rider.
Mind you, my first motorcycle insurance policy, in 2003, was pretty pricey: around £250 comprehensive, I think. I was 47 at the time, had just bought my brand new SV and had no insurance history on two wheels (got my license earlier that year).
timwilky
07-10-13, 08:08 AM
Wish I could get mine down a bit more for the GSXR. 7 year protected ncb, comprehensive garaged etc. All around the £100 mark. but what is it with excess charges. they are all over £300. It makes me wonder just how useful comprehensive is.
Toooldtodie
07-10-13, 08:15 AM
Bike thieving scum really bump up the quotes. Manchester has the same ranking as central London so the bike would have to be garaged with a quartet of rabid, zombie rottweillers to get the cost down. Mine is so low as I actually sleep on the pillion seat when not riding it.
rictus01
07-10-13, 09:20 AM
I just worked mine out in the only way that really matters = 0.00357p a mile approx.....:)
ClunkintheUK
07-10-13, 09:30 AM
I am very jealous of all these quotes. I've insured my SV TPO, as to insure it TPFT is 600, with an excess of 1400. I would only get 1200 for it, so all it would do is is bump my premiums u for making a claim.
Looking to insure a Tigger, and that is an absolute nutache without a garage, even though it will be chained to a proper concreted in ground anchor. But then testing with a garage, only brings it down by 100 quid.
Professor
07-10-13, 09:44 AM
I suspect that you are very young, ClunkintheUK.
Mark (rictus01), you do a lot of miles and I really envy you. You are right that what matters in the end is cost of insurance per mile.
ClunkintheUK
07-10-13, 09:47 AM
I think that as far as the insurers are concerned, yes I am. Though I get older next week. It may even be worth me waiting untill next week to get insurance as it is a "Milestone" birthday. (whoever measure age in miles is a retard)
Professor
07-10-13, 09:56 AM
Sweet sixteen, ClunkintheUK?
http://www.youtube.com/watch?v=WusQjMnD0cs
ClunkintheUK
07-10-13, 10:07 AM
That is creepy.
no nearly double that on sunday.
Matt-EUC
07-10-13, 10:19 AM
Your 30?!
ClunkintheUK
07-10-13, 10:26 AM
No.
Littlepeahead
07-10-13, 10:28 AM
In that case Mark my SV cost £140 per meter this year :(
Matt-EUC
07-10-13, 10:28 AM
If your nearly double 16 and it's a milestone b/day then your 30. If your 25 then your maths is horrible.
ClunkintheUK
07-10-13, 10:34 AM
Heh, I find the idea that my maths is horrible laughable. (plus what you are talking about is arithmetic, not quite the same thing).
No, it IS my birthday on Sunday, not was, present tense, meaning my birthday is in the future. For it to be an insurers milestone birthday it will be my 30th. So If I turn 30 on Sunday, how old does that make me now?
Matt-EUC
07-10-13, 10:35 AM
2(16-1)-1
Matt-EUC
07-10-13, 10:38 AM
Or 29. But 7 days means virtually nothing. You're damn near 30. I have met you and you look nowhere near 30.
ClunkintheUK
07-10-13, 10:38 AM
correct
Matt-EUC
07-10-13, 10:40 AM
How are you paying that much anyway? I'm 21 and mine is only £290 through express.
Matt-EUC
07-10-13, 10:41 AM
And my excess is 400.
ClunkintheUK
07-10-13, 10:43 AM
It's my hedonistic lifestyle of booze, fast women and slow horses. It ages a man horribly.
ClunkintheUK
07-10-13, 10:45 AM
Cos I live in a part of london full of professional thieves as people park their 50K (and the rest) cars on the street here.
Plus my crazy hedonistic lifestyle.
ClunkintheUK
07-10-13, 10:47 AM
Or 29. But 7 days means virtually nothing.
Not when it means the difference between 29 and 30.
Matt-EUC
07-10-13, 10:49 AM
Not when it means the difference between 29 and 30.
21 with 9 years experience?
ClunkintheUK
07-10-13, 10:51 AM
We've been through this. Its 8 years experience for the next 6 days. Don't go adding extra digits willy nilly or you will become some kinda freak with too many fingers.
Ahh you guys (apart from old man clunk ) that have cheap insurance! Mine is £700 fc on the street with an £800 excess. Funny that it is the same price for me to insure the SV as the street!!
ClunkintheUK
07-10-13, 01:00 PM
Thats cos your an untrustworthy wippersnapper who tears around leaving a wake of quivering and distressed grannies.
Thats cos your an untrustworthy wippersnapper who tears around leaving a wake of quivering and distressed grannies.
And that's before he gets on the bike!
Dinglespeed
07-10-13, 04:33 PM
Just got fully comp on a 13 plate sv = £118 off Hastings , Bennetts wanted £184 for TPFT lol
Just got fully comp on a 13 plate sv = £118 off Hastings , Bennetts wanted £184 for TPFT lol
Hastings came through for me at £145 and I bought it through topcashback giving me £15 back. 13 plate SV.
Sent from my GT-I9300 using Tapatalk 2
BMW F800ST (value 3.5k) unlimited miles, fully comp, garaged over night, SDP & C, 1 years NCB, 8 years license held, 25 y/o 1 claim: Premium £380, £200 excess
Ninthbike
07-10-13, 10:08 PM
Ahh you guys (apart from old man clunk ) that have cheap insurance! Mine is £700 fc on the street with an £800 excess. Funny that it is the same price for me to insure the SV as the street!!
Sadly (and something that Triumph don't publicise) the Street Triple has been the most stolen bike in the UK for over three years.
My SV has just cost me £120 FC with £350 excess using 21 of my 22 years' NCB.
I was a bit surprised that the street which is a 2012 model, was the same price to insure as my k4 sv650 was. I know the it is a desirable bike for the low life.
rapidgaz
08-10-13, 02:51 AM
Pretty steep for a mature rider.
Mind you, my first motorcycle insurance policy, in 2003, was pretty pricey: around £250 comprehensive, I think. I was 47 at the time, had just bought my brand new SV and had no insurance history on two wheels (got my license earlier that year).
Think it's my PC and I am classed as a born again rider. Lol
Not had any insurance for over 15 years plus got 6 points. :(
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