insurance query

[Biker Biggles]

Not changed my bike insurance for many years(but I do check for other deals)
I did change my car policy this year as my existing broker got nowhere near the deal I found on a comparison site.

[squirrel_hunter]

For me its the cheapest so I switch every year. Unless my current company are still the cheapest in which case I stick with 'em.

Cheapest every year for me.

i check the prices every year but also look at what is provided with them too

its a balance, and randomly my premiums go up a lot every year if stay with the same provider so good chance I move

i normally wait to see what my renewal quote is, then have a good old rummage on esure, then call my insurance back, inform them of my findings and see what they can offer me as a better deal either way, cheaper insurance is a winner

[timwilky]

I balance cost and cover and go where I feel I am getting the best deal, not necessarily the cheapest. for that reason I have stuck with the same provider for the past two years on my bike, but swapped about annually for the proceeding 5 years.

Car insurance when I had it, I would shop about annually for better deals, and changed as and when I find a better quote.

I do not get into discussion. You give me your best shot first time, if I do not like it I go elsewhere.

many thanks that give me a rough feel along with my other data

i follow the cheapest price

I find it's hard to buy on 'service' as you don't really know how they'll behave until you make a claim.

On my car insurance I have stuck with the same for the last two years because they are almost the cheapest and they were very prompt and efficient when I made a claim.

I wish I'd bought more bike cover though. When I got my K2 curvy, I only insured it TPFT because I figured it wasn't worth the extra premium for such a low value bike. I'm baffled by my own decision, because it was £150 difference and I'm relatively well off - it wasn't money I needed to save.

Now I'm stuck with the rental Bandit while BLD (the people who my insurers appointed) try to get the at-fault-drivers insurers to admit liability. The repair estimate is £1,700 and the hire bike is racking up £80 per day. I'm a little nervous that if they cannot get them to accept liability then they may try and bill me for the hire bike, but I never signed anything with them accepting any charges or liability.... Am considering asking them to come and take it away just in case. Any advice anyone? I'm not riding it into work much at the moment because of the number of xmas drinks sessions...