Looking for insurance advice

bearing in mind i have just got back from the pub !

i paid about £220 for the year, cancelled after 5-6 months and got £45 quid back ! think thats pretty accurate to about a fiver.

Sounds like it was worth it to be shot of them then I guess, if I am going to take a hit changing to another insurer I'd like to make sure the change is worthwhile. The car is insured with Admiral as they've been consistently the cheapest (aside from swiftcover who seem to be anything but swift) and the service I've had over the years has actually been good. Unfortunately they don't do bike insurance at all though.

John

[Biker Biggles]

I think your best bet would be to change the bike on your existing policy,pay the difference and let it run for the remaining six months.This means you get a years no claims in six months time,and that is when you shop around for the best renewal.
All that may be nonsense though if your existing policy wont insure the new bike as often happens in the great insurance rip off.

Originally Posted by mike_avfc

not 100% sure about this, i had car insurance a few years ago where the car was "normally garaged", one night it wasn't and some neighbours tiles fell from their roof in storms and wrote the car off, insurance paid fully for it. not the same but.....

That would be a claim for damage, not for theft. Usually if you declare a vehicle as stored in a garage, and it's not (but is within a close distance to the garage), the insurance company won't pay out for theft.

Damage is damage no matter where it's parked.

Originally Posted by Baph;

....
Damage is damage no matter where it's parked.

So is theft

Most insurance companies ask "where is the vehicle usually/normally parked?".. Usually/normaly being the words..

Easy.. "I usually/normally park my bike in the garage.. but there was a problem with the door so I parked in on my driveway the day it was stolen"

Originally Posted by The Guru

So is theft

Most insurance companies ask "where is the vehicle usually/normally parked?".. Usually/normaly being the words..

Easy.. "I usually/normally park my bike in the garage.. but there was a problem with the door so I parked in on my driveway the day it was stolen"

Yup, but if the vehicle is declared as being garaged, especially a bike, insurance companies will use whatever they can to get out of paying a claim.

Ok, Bennetts are mucking me about at the moment - gave me a quote last week for upgrading the policy, now they claim they won't insure me at all on the SV650s. Combined with some of the horror stories on here I think it's time to dump them and just lose the five or so months I have and go with someone else.

With the 14 day cancellation, if you do cancel do you get a full refund? I'd like to get a new policy taken out promptly however I'd like some peace of mind. I've read through the insurer's clauses and it's not clear what your rights are with cancellation within 14 days.

Thanks,
John

Originally Posted by hovis

mine is aswell, but if you just park out side the house for 5 mins, its not insured

Mine is not covered in the street during night-time hours only (cant remember the times!)

I went with ebike through tesco compare. 1st big bike, car license for 13 years, bike kept in garage. £94 tpft with £100 excess.
Mines not worth as much as yours though

try mce or carole nash