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Old 23-02-14, 10:55 AM   #31
Littlepeahead
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Default Re: Insurance

Chris's priority will need to be getting cover with a heart condition. While the law says they can't charge him more because of a controlled medical condition, his isn't controlled by medication so that may complicate things even though it shouldn't. My insurance company wanted to increase my premium because I was having an op that meant I couldn't ride for a few months, how not riding my bike because I'm in a cast on my foot makes me more of a risk is beyond me! Surely a bike in the garage isn't going to crash!
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Old 23-02-14, 11:38 AM   #32
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Default Re: Insurance

I think you are crediting your insurance company with enough common sense to actually make a sensible decision, and that is your mistake. They will simply have a flow chart that says: Medical condition = higher premium.

I prefer my version:

Do you have a temporary medical condition, Yes, does it impact on your ability to ride a bike, No = Get out there and enjoy yourself.

or

Do you have a temporary medical condition, Yes, does it impact on your ability to ride a bike, Yes, Are you going to ride your bike, No = put another log on the fire and top up that glass.

There is a third option but if you are stupid enough to ride a bike when you can't do it properly and safely having no insurance will be the least of your worries!
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Old 23-02-14, 12:32 PM   #33
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Default Re: Insurance

Quote:
Originally Posted by dirtydog View Post
FC is almost the same as TPFT For me but then FC is only £82 for me

As for the OP question, lots of valid points for and against helmet/legal cover etc. I always get legal cover now as I had an accident a few years ago and it made it so much easier to pass it over to a company that dealt with it all.
Never really thought about helmet and leather cover as my kit has always been relatively cheap, might look into it at next renewal. Sometimes your kit can be covered by your house insurance, I claimed for a new helmet from house contents insurance before.
Another consideration is that if it's a third party at fault, I suspect you could claim the damage to protective gear from the third party insurers?
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Old 23-02-14, 05:06 PM   #34
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Default Re: Insurance

I could be wrong about this but when I had my heart op I went through a strict medical to get my HGV/LGV back. I had no problem with loaded premiums as far as vehicle insurance was involved. The thing I can't get is travel insurance OR life insurance without exorbitant premiums. If you are certified fit to drive by your consultant you do not have a medical condition that would be an impairment to your driving so there should be no increase in your premiums and if there is shout and scream or change companies I will repeat that I did have a very strict medical and not just self declaration after 6 weeks
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Old 23-02-14, 07:44 PM   #35
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Default Re: Insurance

If you go here:

https://www.gov.uk/health-conditions-and-driving

you will find a list of medical conditions that may require you to notify DVLA if they affect you. I say "may" because some of them are compulsory, and others you only need to do if "it affects your ability to drive safely".

I would suggest that if you have been required to notify DVLA about the condition then despite my previous flippant remarks you probably ought to be telling your insurance company.
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Old 23-02-14, 08:34 PM   #36
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Default Re: Insurance

Chris may not have seen this yet but he has now lost his licence for a 6 month period on three occasions in the last 4 years so is probably on the DVLA Christmas card list he has to contact them so often to relinquish his licence and then get it back again! That's standard for when a defib is activated. And a further month if they have to change the batteries. All very tedious.
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Old 23-02-14, 10:26 PM   #37
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Default Insurance

Quote:
Originally Posted by Red Herring View Post
If you go here:

https://www.gov.uk/health-conditions-and-driving

you will find a list of medical conditions that may require you to notify DVLA if they affect you. I say "may" because some of them are compulsory, and others you only need to do if "it affects your ability to drive safely".

I would suggest that if you have been required to notify DVLA about the condition then despite my previous flippant remarks you probably ought to be telling your insurance company.

+1 to all of the above.

These days, if you've advised DVLA and kept your license with no restriction, then insurance companies shouldn't give you a problem.

Chris's situation sounds a bit more complex.
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Old 24-02-14, 08:54 AM   #38
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Default Re: Insurance

Poor Chris,sounds a bit of a sh1tter.
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Old 24-02-14, 11:58 AM   #39
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Default Re: Insurance

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Originally Posted by chris8886 View Post
Right, have just had my insurance renewal through and they are wanting to charge me more than last year (as ever with the old insurance companies). so have stuck my details into a comparison site as usual and immediately have significantly cheaper quotes. however i have a medical condition, so i know i will have to phone whoever i decide to go with (which may end up changing it all anyway), but i'm more wondering what "extras" people see as very much worth having and which ones people don't usually bother with cos it's just not worth it etc. i always go for TPFT insurance too cos my bike just isn't worth insuring fully comp as it's value is probably only about £1200 max.
In the 12 years i have owned Doris i have never been more that covered TPF&T. I have had a few accidents against other drivers and won all of them The couple of times that i have bent the bike through lack of talent, i repair the bike myself. parts are very plentiful nowadays and not worth the hike in premium. I currently pay less than £80 for a 10k miles policy, pillion, no security parked in my garden.
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Old 24-02-14, 01:49 PM   #40
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Default Re: Insurance

Argh, I am tearing my hair out with insurance at the moment. Word of advice, and for more reasons than this, never buy a brand new house on a brand new estate!
Moved a mile down the road to my new house in December, everything else stayed the same, called the insurers to tell them, "no problem Sir, although we don't yet have your house on out postcode database, but as it's only the first half of the postcode we go on, which is the same, so no increase in premium"
Policy is due for renewal, "noooooo, if you want insurance with us now, you have to pay the new, 'it's not on our database so must be a crack wh0re ghetto' supplement, that's an extra £200 please.
So I think, no problem I'll go elsewhere
Wrong! Big problem, most insurers have the same supplement!
The ones that do quote me a sensible figure are exactly the same price for my old and new place, the ones that don't are £100+ cheaper if i use my old address!
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