View Full Version : SV Free Insurance...do u get NCB?
If I were to buy an SV with the free insurance deal, does anyone know if this counts towards my building up of a NCB or do I personally have to pay for it before it counts?
Ta. :)
if you have a legitimate policy number of course it will count. IMHO
SV650Racer
21-12-06, 09:14 AM
Yes you get your no claims if you dont claim..just like any normal policy, except your not paying for it 8)
chazzyb
21-12-06, 09:19 AM
Yes you get your no claims if you dont claim..just like any normal policy, except your not paying for it 8)
"Not paying for it" - yer 'aving a larf, int yer? :shock:
SV650Racer
21-12-06, 09:30 AM
Yes you get your no claims if you dont claim..just like any normal policy, except your not paying for it 8)
"Not paying for it" - yer 'aving a larf, int yer? :shock:
eh?....if something is free...then you dont pay for it!..free insurance with the SV is free...???
confused from surrey
xxx
Yes you get your no claims if you dont claim..just like any normal policy, except your not paying for it 8)
"Not paying for it" - yer 'aving a larf, int yer? :shock:
eh?....if something is free...then you dont pay for it!..free insurance with the SV is free...???
confused from surrey
xxx
It's free, until you have to argue with Suzuki UK over the warranty (or lack of) you got with the bike ;) Personally, I'd rather have a longer warranty than free insurance.
SV650Racer
21-12-06, 10:53 AM
Yes you get your no claims if you dont claim..just like any normal policy, except your not paying for it 8)
"Not paying for it" - yer 'aving a larf, int yer? :shock:
eh?....if something is free...then you dont pay for it!..free insurance with the SV is free...???
confused from surrey
xxx
It's free, until you have to argue with Suzuki UK over the warranty (or lack of) you got with the bike ;) Personally, I'd rather have a longer warranty than free insurance.
every bike comes with warranty...2 years...???....details of which are in your service book.
so what wouldnt they cover for you?.
anyway..not to derail the thread... :roll: 8)
The warranty for older models strictly stated that it was void if you didn't maintain service schedules AND use an approved Suzuki dealership. Nice cost there ;)
For my K6, it doesn't say anything except it has to be someone "suitably mechanically able", but the service schedule must still be adhered to.
Miss a service by even a few hundred miles, and it'd give Suzuki UK something to argue about.
After reading many posts on the forum over the time I've been here, it seems that ANYTHING they can do to get out of honoring the warranty, they will.
This isn't so much a problem with the dealerships, as they act as a franchise, but more from Suzuki themselves.
So yes, a new bike (like mine) comes with a 2 year warranty, but I'm prepared to fight to get it enforced when I have to, not if I have to.
The Mrs was actually under the impression that the warranty also covered things like tyres, bulbs, services... if only eh? :lol:
Is this "free" insurance fully comp or just TPFT?
Well after my experience and arguements with Ford over the years regarding warranty claims, I can safe noone really likes to honour them so I'd rather have the free insurance and hopefully build up a years' NCB in the process as my first year is likely to be my most expensive to insure, particularly as I don't have the option of an extended warranty anyway and would have to argue my case regardless!
Is the service schedule based on age or mileage btw?
Is the service schedule based on age or mileage btw?
Whichever comes first.
In my case, mileage. A few months old SV, and almost 10,000 miles :(
Is this "free" insurance fully comp or just TPFT?
Fully Comp AFAIK, with the option of £125 for trackday insurance for a year too...
Is the service schedule based on age or mileage btw?
Whichever comes first.
In my case, mileage. A few months old SV, and almost 10,000 miles :(
Well my bike is likely to sit still for a large part of its first 6 months, so will it still need servicing even if it covers elss than 1,000 miles???
SV650Racer
21-12-06, 11:12 AM
Is this "free" insurance fully comp or just TPFT?
fully comp. It ends on 31st Dec though you have to be quick..i dont think they are extending this promotion.
As far as the warranty is concerned...in my experience of putting through lots of claims every year, Suzuki are pretty damn good and work to the book. :wink: .. if they wont do it there is often a good reason why not..ie its not covered or whatever. They know their legal stance too.
Wouldnt worry about it on hearsay..do what you should to make your bike elidgable...and find out from your own experiences..I for one would choose free insurance over extended warranty..mainly cause i wouldnt keep my bike long enough to benefit from a longer warranty:wink:
Is the service schedule based on age or mileage btw?
Whichever comes first.
In my case, mileage. A few months old SV, and almost 10,000 miles :(
Well my bike is likely to sit still for a large part of its first 6 months, so will it still need servicing even if it covers elss than 1,000 miles???
Then you'll need to look at the handbook (or someone will tell you here) as to the time/age for each service. Even when sitting still, it'll need a service. You'll also need to think about preventative maintenance (eg, tank full of fuel - and even that 'goes off' with age).
SV650Racer, I know what you mean about not keeping the SV for too long, but personally, when I get rid of my SV, it'll probably be going to bike heaven. By that time (unless I part-ex her early) she'll probably be on the high side of 150,000 miles. If the engine gives up the ghost before that, I might look at sticking a new engine in her & getting something newer, but time will tell.
Horses for courses really, but I live out in the sticks, and in the last few months I've paid more on services than I have for Fully Comp insurance for a year!
My mileage won't be massively huge, but substantial enough - these first 6 months will be very limited thou as the bike and I will be 120 miles apart!
Would it be worth waiting for a K7 or get a K6...looking at the thread at the top of the pae, there's few changes bar ABS which I dont want anyway!
SV650Racer
21-12-06, 11:39 AM
My mileage won't be massively huge, but substantial enough - these first 6 months will be very limited thou as the bike and I will be 120 miles apart!
Would it be worth waiting for a K7 or get a K6...looking at the thread at the top of the pae, there's few changes bar ABS which I dont want anyway!
I dont think the K7 has ABS anyway for the UK according to the service data spec sheets i have seen this week.
Oh, right...what are the differences then?
Biker Biggles
21-12-06, 01:39 PM
I think you will be wasting your money if you buy a new bike now and then hardly use it for six months.Your bike will depreciate in value very rapidly in it's first year,so it would make sense to either buy an older one now,or buy a new one when you are ready to make use of it.As for the insurance deal,you are paying for it one way or the other.It will be somehow factored in to the price of the bike,as you never get ought for nought. :wink:
SV650Racer
21-12-06, 02:00 PM
It will be somehow factored in to the price of the bike,as you never get ought for nought. :wink:
it wont as we the dealers dont pay anything for the insurance as its free from the insurance company!...you get the bike at the normal deal price regardless of whether you take the insurance or not!. We dont get involved in the insurance side...its there to use if you want it..to save you some money!
Was trying to explain that to someone the other day. Its an optional extra thats free of charge. If you dont have it the bikes the same price if you do have it!.
If insurance costs you say £500 a year...then its actually in your favour, you are basically getting £500 back or £500 off the bike!!!
jeez that was hard work!!!...i think i understand myself! :lol:
SV650Racer, I know what you're getting at, but it'd be a better incentive to folks like me (high milers especially) to EITHER give a 5 year warranty (yea right!) OR free servicing for the first year, regardless of distance. Heck, even free labour on services would do for me, I'd come half way & pay parts!
More chance of platting fog though I know, as that is a little too much to expect :( I can live in hope though :)
SV650Racer
21-12-06, 02:14 PM
SV650Racer, I know what you're getting at, but it'd be a better incentive to folks like me (high milers especially) to EITHER give a 5 year warranty (yea right!) OR free servicing for the first year, regardless of distance. Heck, even free labour on services would do for me, I'd come half way & pay parts!
More chance of platting fog though I know, as that is a little too much to expect :( I can live in hope though :)
They did a free service offer earlier this year..hardly anyone took it up. So far more people have taken the free insurance...
In your case yes..you'd be better off...but it "could" work in your case as the dosh you save on insurance could be put towards servicing :wink: ...
Biker Biggles
21-12-06, 02:14 PM
I didn't mean the dealer is paying for the insurance,but someone will be somewhere.Like all incentive offers,there has to be a cost somewhere,so I guess Suzuki GB must be subsidizing the sale of new bikes here.No doubt that the insurance deal is a very good thing for some new buyers,but that doesn't alter my main point that a new bike will depreciate very rapidly in the first year,and if you don't ride it much you may as well buy an older bike.
They did a free service offer earlier this year..hardly anyone took it up. So far more people have taken the free insurance...
In your case yes..you'd be better off...but it "could" work in your case as the dosh you save on insurance could be put towards servicing :wink: ...
I bought in July. I got the 0% finance AND free first service (sort of, had to pay for parts, all £38 IIRC).
Ever the salesman huh? Yea, it could work, but following a recent low speed off (damage ONLY to indicator, gear lever & pride) I got it repaired, serviced, and a new front tyre on. The time she spent in the dealership then cost me more than a years insurance.
At the time, it was the finance option that swung it for me.
For me, it's a first post-DAS bike, i'm 22 and obviously have 0 NCB so a years free fully comp insurance is probably worth a grand, given TPFT quotes for a 2004 bike were coming in at £500-£600.
As for sitting around for 6 months, yes it will to an extent but I'll still use it once or twice a month at wknds when I pop home and even so, its building up my NCB all the time, the bikes insured in case it is nicked or whatever, and I'm not putting any miles on it anyway. I reckon if I were to keep it for 2 years, 6 months age difference would make minimal difference to the resale - mileage is more important on bikes than age IMO.
Following from this, any "loss" I may make by having a 56-reg rather than an 07-reg would be covered by my free insurance anyway. If they were doing the free insurance in June 07, I'd buy then for sure, but as they're not, and u get the extras I want (lower fairings, pillion cowl) plus a decent colour then surely it makes sense to buy now, in my position?
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