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Can anyone recommend an insurance company? I'm collecting the SV soon and need to get this sorted obviously.
I've done a quick search but nothing has jumped out, sorry if this has been done to death before.
I found the cheapest was mce. Their number is 0870 0101125. :D
www.biketeam.co.uk seem to be good for newbies :thumbsup:
Carole Nash has been not only competitive but also (at least for me) the service has been quite excellent.
.
bennetts did me good. £250 for fully comp, passed my test three days prior to getting insurance. bike is '00 sv650s
i'm 36. no no claims bonus. GSOH.... :wink:
Flamin_Squirrel
07-01-05, 01:04 PM
I'm afraid to say there are no easy options here - getting a long list of insurers and ringing all of them is the best thing to do.
There are can be extras too... some offer legal protection, european cover, or breakdown assistance, some or all of which you might want.
Depending on what kind of insurance you get (fully comp or tpft) and how you personaly weigh up the risks, you might want to opt for a higher excess in exchange for a lower premium. I was getting quotes around the £670 mark from most places untill I phoned motorcycle direct, who quoted me £570 with a higher excess. However...
Also, beware of hidden costs. Example: I had no idea on the milage I'd be doing, so said 5000 (average annual milage is 4000). I thought I was over estimating and assumed that I could step up to the next bracket if I needed to anyway. Unfortunately I racked up the 5000 miles in the space of 5 months, and when I told my insurance company (motorcycle direct) they told me they don't do a higher milage bracket. I had to get unlimited milage cover for an extra £130, effectively bringing my total premium to £700.
So, due to not asking them a simple question when getting quotes I've ended up not only paying more for my premium, but I've got a higher excess than I might otherwise have.
I think when I come to renew I'll write down a list of questions, then phone as many companies as I can.
fizzwheel
07-01-05, 01:04 PM
I'm with devitt, they are cheap, but their after sales service isnt good, my brother is with them to and they made a right mess of his direct debit payments
I've always found Carol Nash to be expensive or high excess, but it all depends on the individuals circumstances.
Mine is due next week, so I'll be looking through the bike mag ads and getting loads of quotes.
Biketeam has had good reviews on here before so I'll be giving them a call.
Well, five quotes later, motorcycle direct were the cheapest by about £200!
Itching 2 go
07-01-05, 02:00 PM
Well, five quotes later, motorcycle direct were the cheapest by about £200!bloody hell thats cheap what cover?
Flamin_Squirrel
07-01-05, 02:00 PM
Well, five quotes later, motorcycle direct were the cheapest by about £200!
:thumbsup:
Is that with unlimited milage?
Well, five quotes later, motorcycle direct were the cheapest by about £200!
:thumbsup:
Is that with unlimited milage?
Yep, and with legal services and breakdown cover.
Flamin_Squirrel
07-01-05, 02:10 PM
Hurrah \:D/
Maybe I'm better off with motorcycle direct after all...
Professor
07-01-05, 02:11 PM
Well, five quotes later, motorcycle direct were the cheapest by about £200!
My first bike insurance was also with Motorcycle Direct: they gave me
the best quote (fully comp for £223).
For my second year I switched to Bennetts.
all the other quotes were around the £500 mark, Bennetts being the most expensive at £570.
Hmmmm, motorcycle direct want to charge me £1471 :shock: Pretty pleased with the £570 i got from mce now!
That'll be the problem of having no bike no claims, being 24 and parking it on a street in clapham.
Professor
07-01-05, 02:29 PM
all the other quotes were around the £500 mark, Bennetts being the most expensive at £570.
It may be that Bennetts don't like insuring new riders. I suggest you
try them again in a year's time.
Hmmmm, motorcycle direct want to charge me £1471 :shock: Pretty pleased with the £570 i got from mce now!
That'll be the problem of having no bike no claims, being 24 and parking it on a street in clapham.
Lol, try parking it on a street, no immobiliser, no NCB and 3 points.
Professor
07-01-05, 02:34 PM
Hmmmm, motorcycle direct want to charge me £1471 :shock: Pretty pleased with the £570 i got from mce now!
That'll be the problem of having no bike no claims, being 24 and parking it on a street in clapham.
Just think how cheap your insurance will be when you are 48 as I am.
This should help you survive the next 24 years.
Lol, try parking it on a street, no immobiliser, no NCB and 3 points.
Mine is parked on a street as well, nor does it have an immobiliser. The reduction in insurance from having an immobiliser was no way near the cost of the immobiliser!
I'm a good boy though, clean licence :lol:
This should help you survive the next 24 years
24 years, will i still be on an SV, ahhhh, the new K29, excellent :D
Flamin_Squirrel
07-01-05, 03:06 PM
Lol, try parking it on a street, no immobiliser, no NCB and 3 points.
Mine is parked on a street as well, nor does it have an immobiliser. The reduction in insurance from having an immobiliser was no way near the cost of the immobiliser!
I'm a good boy though, clean licence :lol:
This should help you survive the next 24 years
24 years, will i still be on an SV, ahhhh, the new K29, excellent :D
Just dont at any point announce to any RSPCA members that you ride a K9, that could get you in trouble :shock:
The Polarbear
08-01-05, 10:18 AM
:D I'm with MCE as they were the cheapest and also they will sort out claims a lot quicker than Bennetts and others- proven with experience! :cry:
Give them a bell! They sometimes have had a problem with the quote system on the web site but I believe it's fixed- nicer to talk to someone over the phone though!
nicer to talk to someone over the phone though!
And usually cheaper than the on-line quotes. No, I don't understand it either :lol:
Just use the on-line quotes as a guide...............and ring 'em to get the real numbers :thumbsup:
Good advice Jabba, and it's what I did. Though I've been on bikes for donkey's years, I had a three year break so have no NCB. Got a load of quotes on line and then did the phoneing with the best of them.
MCE were about £20 above the lowest quote, but the bloke said "£20 is still £20, lets see if we can do better". They ended up £5 cheaper, but I think I still would have gone with them even if they hadn't been able to lower their quote - their attitide 'seemed right' if you know what I mean.
My best quote is:
£800 tpft
£250excess
5000miles (how will they know?)
Security will not change price, driveway
Any road legal mods
Im 22 in peckham
Cloggsy
08-01-05, 02:26 PM
My best quote is: £800 tpft
:shock: Ahhhh, the joys of living in London (are there any :?:)
Mine's £279 & I though that was expensive (through Motorcycle Direct (http://www.motorcycledirect.co.uk/motorcycle_insurance_quote.php?int=2915))
Hope it goes down in Feb too [-o<
Carsick
08-01-05, 02:47 PM
5000miles (how will they know?)
If there's no claims or anything, then they'll probably never find out. If something happens and they do figure it out, then you could be screwed.
My best quote is: £800 tpft
:shock: Ahhhh, the joys of living in London (are there any :?:)
Mine's £279 & I though that was expensive (through Motorcycle Direct (http://www.motorcycledirect.co.uk/motorcycle_insurance_quote.php?int=2915))
Hope it goes down in Feb too [-o<
1 mile to work = 15 mins on bus - 20 by car - (soon 5 by bike)
Carsick
08-01-05, 04:09 PM
1 mile to work = 15 mins on bus - 20 by car - (soon 5 by bike)
Or less than 15 minutes walking?
Just a suggestion :wink:
1 mile to work = 15 mins on bus - 20 by car - (soon 5 by bike)
Or less than 15 minutes walking?
Just a suggestion :wink:
not realy, the busses have their own bus lanes but have to stop, the cars just dont move very fast.
I would say 30 mins by foot, its more like 1.5miles, as a round trip in the car is 3miles.
Carsick
08-01-05, 04:27 PM
'chuckles' you're hanging about for too long if it takes 30 minutes to walk 1.5 miles.
I used to regularly do a 6 miles walk in just under an hour, and that's after a night of drinking.
:wink:
'chuckles' you're hanging about for too long if it takes 30 minutes to walk 1.5 miles.
I used to regularly do a 6 miles walk in just under an hour, and that's after a night of drinking.
:wink:
Well the point is that i dont walk. Let not see who wants to walk the fastest to work.
454697819
12-01-05, 03:58 PM
BEWARE:- Motorcycle Direct!!
I was with them last year, good price,
but when i was knocked off, and i told them it wasnt my fault, all sorts of trouble was coursed, i couldnt change bikes, get different quotes, etc etc, notes on policy saying i needed to claim and all sorts of thing!
Got right cheesed off.
This year called them good price again, however CIA! thier great! chepaer than mcd but way more friendly, will charge money if you need to change details on policy though!
Try cia first, same insurers, different price.
Alex
now you got that quote.
buy yourself autotrader (for a fiver)
ring through the list of insurers and play them off against each other.
trust me , you will save lots more money here :)
One thing I will suggest is if you have PERSONAL INJURY COVER make sure you check out for any stupid clauses like "We will not pay a claim if you are deemed to be responsible for the accident".
Trust me, the day you need this, they will use this as an excuse not to pay.
I was with Motorcycle Direct, and they paid out for my bike pretty much straight away and put me in touch with DAS which I was still in hossie.
Well, still checking around as I now have the option of keeping it in a garage about a mile away.
Interestingly, Motorcycle Direct ignore the fact its in a garage unless its in line of sight and no one has access to it!
CIA, on the other hand, have managed to beat Motorcyle Direct by £20 and has an excess of £200 less.
(The girlie I was getting a quote from has a curvy SV and knows about the forum, might have helped :D )
Flamin_Squirrel
31-01-05, 04:49 PM
:shock:
They never asked me about that!
Ah well, glad you've got a better quote, lets hope you have the same success with the S2K :!:
(The girlie I was getting a quote from has a curvy SV and knows about the forum, might have helped :D )
Get her online! Maybe she can help clarify the dark and murky world of vehicle insurance, and give us a light by which we may all find our way!
I did give her a subtle hint to get online, she promised me she would get back on here again.
As for insuring the S... :( still haven't had a lot of luck. Who would think 3 piddly points would make that much difference???
I did give her a subtle hint to get online, she promised me she would get back on here again.
As for insuring the S... :( still haven't had a lot of luck. Who would think 3 piddly points would make that much difference???
try http://www.insurance2000.co.uk
wheelnut
13-02-05, 05:36 PM
I have just spent an hour this morning finalising quotes, and I am even more confused :?
I used 4 online services and got a variety of quotes between £870 and £119
I used exactly the same criteria ie.Fully Comp. 6000 miles per annum, HGV Driver. £350 excess and 2 years NCB. Value £3000 with £500 extras
I answered every question I was asked honestly :P honestly
3 Quotes were from the same company Equity Red or something, but they varied at least 200 quid
Apart from trying Carole Nash I probably cannot beat £119.
By the way that was from Bennets with free puncture cover :shock: and the excess is only £250
hahahaha £113 TPF&T, Euro cover, Legal and breakdown. 33, 5yr ncb, 2 accidents, 3 points, not garaged BR postcode :D
wheelnut
13-02-05, 08:23 PM
hahahaha £113 TPF&T, Euro cover, Legal and breakdown. 33, 5yr ncb, 2 accidents, 3 points, not garaged BR postcode :D
I used exactly the same criteria ie.Fully Comp. 6000 miles per annum, HGV Driver. £350 excess and 2 years NCB. Value £3000 with £500 extras
Seems like Fully Comp is £6 dearer than :P
adamfool
13-02-05, 10:56 PM
I did give her a subtle hint to get online, she promised me she would get back on here again.
As for insuring the S... :( still haven't had a lot of luck. Who would think 3 piddly points would make that much difference???
try http://www.insurance2000.co.uk
thats who i'm with, H&R, best quote i could get and they even sent me a letter wishing me luck on my test :lol:
Ceri JC
14-02-05, 09:53 AM
It may be that Bennetts don't like insuring new riders. I suggest you
try them again in a year's time.
I dunno, I got TPFT for a notch over £300. No ncb, new rider, garaged & immobilised.
jamieclayton9
14-02-05, 10:24 AM
hi there. i got my insurance with cia www.cia-insurance.co.uk. i am 21 with 4 years no claims and got tptf for the humble sum of £221. not bad. no others came close and plus it helps having a clean lisance. cheers. jamie
In the end I went back to Motorcycles Direct. Once they heard of the quote I got from CIA, they dropped the quote to £352 (TPFT) and that includes being kept on the road. I don't think its too bad as its being stored on the road, no immobilser, no No Claims Bonus an 3 points on my licence.
All the others were around the £400+ mark.
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