Insurance question again
 

Right as you may be aware ife put a deposit on a Daytona, as my sv insurance isn't due for renewal until early Feb I think what are my options to cover me on the daytona if only to get in 1.5hrs home.

My insurance company told me I'd be best leaving my sv insurance to run, start a new policy on the daytona and then add the no claims from the sv once it's up.

Make any sense?

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Re: Insurance question again
 

I take it you've still got the SV?

Re: Insurance question again
 

Yes I think I will advertise it in the new year, I would now if I thought I'd get a good price for it.

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Re: Insurance question again
 

I've got several bikes on one policy, is that not an option for you? If your current insurance company won't cover both bikes, or extend the policy to cover both bikes for a day (or swop them) to allow you to get the other bike home I'd be tempted to pick up the phone and ring round a few other brokers. If you explain you have two bikes to insure with ten months no claims on your current policy there's a good chance you could pick up a favourable quote.

Re: Insurance question again
 

I've got one year and 10 months ncd. Do you mean switching insurance companies before the current one is up?

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Re: Insurance question again
 

If you're current one won't give you want you need then yes. As per a recent thread on here discussing NCD it's not exactly a science following a mathematical formula, I'd be very surprised if a broker didn't give you the equivalent of two years with that history, especially if you were potentially bring two bikes worth of cover to them..... Look at the alternatives.

If you've got two bikes then you either need to have one uninsured, a policy that covers both, or two separate policies. You could take out an entirely new policy on the Triumph and let the SV one run on, but that will put you under real pressure to sell the SV come February, and if you really want to keep the Daytona for best as per your other thread then it might make sense to hang on to the SV.....? If you're not going to ride the Daytona until the Spring (hard if it's winking at you every time you go into the garage) you could see if you can get it delivered home and risk it being uninsured until you sell the SV, but do you really want to do that?

Personally I'd shop around for a broker that will cover both bikes on the one policy and if that means walking away from the last few months on the SV policy so be it. I'm with Carole Nash where I've got two policies, each covering four bikes. Neither costs over £250. That's got to be better value than trying to insure eight separate bikes....!

Re: Insurance question again
 

I'm with carole nash as well, I think it's probably best I make a phone call.

Eight bikes, that's plain greedy![emoji6]

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Re: Insurance question again
 

It just demonstrates my weak will and complete inability to let anything go.....;)

Re: Insurance question again
 

They may well pay off in the future as the classic 'barn find'

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Re: Insurance question again
 

You can get daily temporary insurance cover, but it doesn't help for road tax purposes.

Re: Insurance question again
 

Tax you can sign up to pay monthly and cancel / sorn as soon as you're home (or before end of the month). It'll cost you a month's tax.

I tried to cancel one policy a few months before it was up and the admin fees and amount left to pay on extras (legal cover, breakdown etc, which they said I signed up for 12 months for and is not cancellable as it's an add on that I bought as a whole for the year, but was paying in installments) was going to be way more than the last few months payments if I just let the cover it run on to complete the 12 months.

Re: Insurance question again
 

+ the new bike I wanted to add to the policy was 1985 and the underwriter didn't insure vintage bikes apparently. So i started a new separate policy for it... but couldn't use my NCD as it was on the other bike. I then ended up in the situation a few months later of having 1 year 8 months NCD for my next policy which only counted as 1 year... as they do it in whole years.

Re: Insurance question again
 

If you are not going to ride it to the spring why don't you get 1 of the bike delivery companies to deliver it you, there are plenty advertising on fleabay etc, If you could get someone local it would probably be cheaper & easier than cancelling policies, putting on & then cancelling road tax etc.

Re: Insurance question again
 

I used Anyvan to get quotes for one bike being collected / delivered. Tend to be drivers who are passing through that area that reply to the listing, so cheaper than if they were doing the whole journey just for you. Prices vary massively. Avoid the cheapest uninsured ones! They need to be specifically insured for moving vehicles... not just furniture as a lot seem to be!

Re: Insurance question again
 

You can't get tax unless you're insured. But then you can't get tax online until the DVLA have received & processed the change of ownership, so it's probably not worth worrying about.

Re: Insurance question again
 

True... you'd need to sort the insurance bit first.

I've paid tax on a vehicle the same day as buying it a couple of times.

I know people ride / drive vehicle home to buy it the same day once home (if stopped and asked : ) )

Re: Insurance question again
 

Or inability of bike manufacturers to build your one perfect bike?

Years ago I had a Suzuki GS850 for touring and commuting, an LC350 for fun and a Ducati Pantah for joyous Sundays.
I found it a p.i.t.a. keeping them all maintained and clean.

Now I have the SV650AL7 all my bases are covered in the one bike. :)

Re: Insurance question again
 

I guess it rather depends on your definition of perfect and how much of a compromise you're prepared to accept. My VFR is perfect for blatting down to Spain to watch the MotoGP and although it will do track days my GSXR on slicks is so much better...... The DRZ is just about the perfect around town bike and although I can use it for my IAM work the Hornet is so much more flexible and comfortable. The TDR, XR and Matchless are kept for nostalgias sake but are all great fun in small doses, and the SXV is an investment that you just have to ride occasionally to remind yourself how completely bonkers it really is! I will concede however that my SV is just about the best all rounder in the garage although it took a fair bit of tweaking to get it that way.

Look at it like this, if I do the same annual mileage as you do I still only spend the same as you on fuel and servicing (within reason) it's just the MOTs and VELs that are the real extravagance......

Re: Insurance question again
 

How about keeping the sv for the winter and until the policy runs out thus getting your two years ncb then insure and ride the new bike from then? I would hire a small van to go pick it up if you dont know anyone who can do it.