I wonder if my insurance company will let me choose which lube they use when they next bend me over.....

[Paul the 6th]

Well...

called motorcycle direct to transfer my existing policy over to the SRAD (me and preston are doing the paperwork tomorra).

Because I'm 24 and it's a group 16 bike the underwriter isn't going to transfer the policy across and I have to start a new one instead and lose the 9 months worth of my THIRD YEAR No claims discount which will put me back to 2 years and shaft me even more...

Alternatively I can cancel the policy - for which there would be a charge... ex-****ing-cuse me I paid for the policy in full and now you want more to cancel it early?

"So would you be interested in a quote from our sales team mr. wilson?"

me: yeah cancel my 4pm and connect those mofo's

So now I'm considering the possibility of letting the sv1000 policy run it's course until 3rd june even though I won't own it anymore, take out a new policy with someone else for the SRAD on a pay monthly basis (also check what the cancellation fee is with said new company) then in june, cancel the policy and get requoted with the 3 years NCB which will be alll miiiiine...

BASTRADS!

1. Can anyone see any holes in my plan i.e. anything illegal or which may cause me extra grief in the long run?

That's about the only question for the time being as I'm ever so slightly livid at not being able to transfer AND also having to pay extra to end the fecking policy cheeky ****ers...

Advice & moral support appreciated xxx time for a glass of rose

[L3nny]

Same problem here mate, had to cancel the £200 policy I took outfor the SV in December and they gave me the princley refund of £18.

To be fair to them they gave me a good deal on my blade and really made an effort to keep my custom, waived some fees and chuked in free breakdown cover.

[Paul the 6th]

they're gonna have to tap dance naked on the steps of York Town Hall and happy slap they mayor if they wanna get my 16 digits again

[dyzio]

Can't offer much advice, but you mind me asking what's the difference between 2 and 3 years NCB is?
It was £50 for me on the Falco, so if that was the case with you, I'd take out a new policy. Yes, you'll lose the 9months, but you'll probably have to pay a cancellation charge if you decide to cancel and get re-quoted with your 3years ncb.

if you and preston both have riding other bikes why not both let your insurance run ride each others bike til you can take out a new policy and both preston isnt having the same problem?

[L3nny]

Haha. I must be a cheap date then. All they need to do is flsh some breakdown cover at me.

Drew kept his SV policy running for 2 months while gary had it insured and had brought it! So that he could keep his no claims.

[dyzio]

Originally Posted by sunshine

if you and preston both have riding other bikes why not both let your insurance run ride each others bike til you can take out a new policy and both preston isnt having the same problem?

Could be an idea of they both agree on that.

But usually policies allow you to ride other peoples bikes on Third Party Only basis. And one of the lads is... well... a high risk factor




I'll run away now...

[Paul the 6th]

clearly I ride like a nob seeing as I've only ever had one lowside at 20mph and the rest of the time I ride like a girl...

Preston was quoted like £98 fc (with all his non-fault claims!!!) I'll have a word with him but I'm not happy about the third party only thing.

Can anyone recommend any insurance companies with low or no cancellation fee's - must be pay monthly... 3 years NCB might not seem like a big deal right now but I'm one year away from being able to protect that discount - i can guarantee that I'll prolly get hit by an ice cream van or davepreston or some other comically genius road user at the point where I would have been 4 years ncb protected

[G]

I dont think you can have a policy on a bike you do not have, and two policies can not run on a single vehicle at the same time.

For example, I wanted my own policy on my girlfriends car so that I could keep my NCD when I got a company car. But as she already has a policy on the vehicle you cant have another one it.

For that reason the person who now has your old bike will have their own policy and you will have a duplicate one, which from my understanding is illegal.

Also if its involved in an accident with the new owner, and your down as the policy holder for the vehicle... you can see why two policies cant run on one vehicle now?