It’s that time of year again … Renewal time …

[Blue_SV650S]

It seems all my vehicle MOTs, Tax and Insurance come around this time of year ... being around Christmas is a killer for me bank account :cry:

Anyhoo ... got my renewal through … £172. TPFT … a bit steep I thought (32, garaged, been riding forever, never had a claim, no current penalties … help grannies cross the road …. running for being the next pope etc etc :lol:).

I am pretty lazy so not about to ring around the world, but figured I'd try e-bike insurance as heard good things, also better than chatting round the Christmas dinner table with my relatives!! (I am sure all of you can 'feel' me there ;)) … £112 TPFT £150 excess … that’s more acceptable I thought!! … :)

Figured I’d contact my current broker to see if they could match or better e-bike … they could match it, but £400 excess … so asked them to look again £119 £150 excess … that sounds the ticket I thought …

Then the nice lady started talking dirty to me* and don’t ask me how but I ended up going fully comp at £171 … with £325xs …

Basically I wanted to have ‘ride others ppls bikes TPO’ on the policy as that is handy (and my mate has just bought a new GIXER thou ;) :lol:) …

I am sat here slightly stunned that I went FC and that I now have £325 xs …

What do other pillars of society like myself :D pay insurance wise?!?

*That’s a total fib, but made a boring insurance thread/post momentarily more interesting!!! :D

[busasean]

just renewed with Ebike £348 fully comp with business use for all 4 bikes listed below. (with loads of modifications)

[Blue_SV650S]

just renewed with Ebike £348 fully comp with business use for all 4 bikes listed below. (with loads of modifications)

Do you get to ride other ppls bikes?

[oldjack]

£163 fully comp, incl £25 legal expenses cover, 3 years NCB, with Bennets, garaged, clean licence, £200 excess, K5 naked, but I'm 56. I thought that was expensive.

[Blue_SV650S]

£163 fully comp, incl £25 legal expenses cover, 3 years NCB, with Bennets, garaged, clean licence, £200 excess, K5 naked, but I'm 56. I thought that was expensive.

How long have you had your license??? unfortunately you probably fall into their 'born again biker' risk category if you have have had it 29 years ... yet only 3 years your NCD (indicating bab)??!?! :oops:

[rob13]

I have always been fortunate with Motorcycle Direct. Never paid more than £180 TPFT for any of my bikes since i started riding at 21, 4 years ago. Bargain

[husky03]

went with devitt=223 tpft 0 n/c-covered for other bike too-200 excess.

husky :)

[Spider]

31, 6 month old licence, 2y`s NCB, 6 month old sv650, fully comp, £200xs, equity red star. £323 :D god i love my parents postcode

[oldjack]

Yup, I'm a born again biker, first time I've been called a bab though. I started up again 3 years ago having last ridden in 1986, I don't know if they take that into account, I can't remember if I told them I'd had a 17 year layoff !

[busasean]

just renewed with Ebike £348 fully comp with business use for all 4 bikes listed below. (with loads of modifications)

Do you get to ride other ppls bikes?

erm, turns out i'm not covered for other bikes! :shock: well, thats a first! its a good job someone else was paying attention. just sent an email to Ebike because i have NEVER EVER had insurance which doesnt cover you 3rd party only on other vehicles.it should be made clear when taking out the policy that this is the case. :x just rechecked everything else on the policy! mind you it doesnt worry me as i dont really ride other peoples bikes.

[Blue_SV650S]

robchester - I was with (and as it turned out still with ;)) motorcycle Direct too ...

As for postcodes ... that's a point ... according to a survey post someone else put up a week or so ago, I live in the highest accident risk postcode (outside London that is). That must effect my premium??

[kwak zzr]

if i loose 2 years NCB and up'ing to the thou, my insurance will go stupid come april :?

[netsurfer]

Rampdale did me an excellent deal - £172 for me too... passed my test 7 days before starting the policy, also one named rider (4 years younger, had test for 4 years, and female)
Bike in a locked garage at night in a rural area. Excess I cant recall, think it was £250

TPFT also with Equity Red Star and also entitled to ride other bikes not owned or on HP to me.

Pete

[james160987]

hope you dont have an accident while being with rampdale/equity red star,

when i was with them i had an accident, they never told me whos fault it was deemed, when i left them i asked and they said it was the other persons fault as it says you have 3 years no claims on our system, so jolly old me went off, got my insurance from someone else, used my apaaent 3 years no claims,

1 month later in the post comes my no claims certifate, 1 year, i ring up to be told theyd made a mistake i was at fault so only had 1 year,

ring back current insurers and amend my new policy

now i ask you, think i had an accident in tha month, i was technicly un insured as id lied (through no fault of my own) to my new insurance about how many no claims i had

[ejohnh]

£163 fully comp, incl £25 legal expenses cover, 3 years NCB, with Bennets, garaged, clean licence, £200 excess, K5 naked, but I'm 56. I thought that was expensive.

Similar position as oldJack, I'm with Bennets too. Fully comp with roadside and european breakdown cover - I pay about £212 - No NCD though and I cannot ride other bikes. - had a licence for about 10 years but only rode on a full licence for a year. Long before that I had a bikes as a teenager but never took a test. :oops:

John

[Heed]

I'm 26 but the SV is my first bike after passing my test at 21 with work. I pay £212 TPFT and that allows me to ride any other bikes third party only. So if I was an unscrupulous chap I could go any buy myself a nice Gixxer 750 and ride it 3rd party. However I'd probably kill myself and the wife hates the SV let alone a full on sportsbike.

[sinbad]

24.
04 650s.
First bike, license held for only a month on purchase of the bike. Garaged, low-risk postcode. £425 fully-comp, social-domestic, pleasure and commuting. No mileage limitations. Pillions allowed. £200 excess. No cover for riding other bikes :( (Perhaps just as well though :) )
That's with H&R. I tried dozens too.

[TSM]

just renewed with Ebike £348 fully comp with business use for all 4 bikes listed below. (with loads of modifications)

Do you get to ride other ppls bikes?

yes tpo

I would check that again.. I was with ebike on FC and they would not allow you to ride other bikes. They had a system though that you called them up and could insure youself to ride another bike at the same insurance level as your policy, but it costs.

This is what they have listed on their site at the moment.
Q: Am I covered third party to ride any bike? Can I ride a friend’s bike? Can I get temporary cover on someone else’s bike?

A: No.

We do not provide a 'Driving Other Vehicles' extension on the policy.

[mac608]

£127 FC,protected 6yrs NCB, Xcess £200 - through Adelaine Insurance Services 028 9033 0142. Does help that I'm old & wrinkled. :lol:

The policy is with Equity Red Star

[MidgetMoose]

Have i got the most expensive insureance by far?


mines about £800, 23 riding for a year But i've been driving a car since i was 17 no NCB because of named driver and cancellation as i snapped my leg in half, i've never claimed for anything.....