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#11 | ||
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At 30 i know someone who just passed their test and insured a bike for £250 FC. So if you ask me, to spend a couple of hundred over 2 yrs to maintain a NCB you could keep for free is stupid. If you were to do that, wait two years, insure for 1, wait 2 years. Simple. ![]() |
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#12 |
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if the insurance company find out you weren't riding it (which they will if you ever need to use it) then your insurance is invalid. Its in one of those 'in trust' wordings. they've got us screwed at every turn
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#13 | |
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#14 | |||
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re: not riding the bike at all - i'd find that very odd if they voided your insurance for not riding it! unless there is a minimum mileage on the policy. i'd be very surprised if they put a clause in about having to ride it...what about if you have broken your leg and cannot ride for 1 year+, but you want to insure the bike against being nicked while its in your garage? |
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#15 |
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For anyone looking for a crap cheap big bike to insure, drop SoulKiss a PM. Last I talked to him about it, he had at least the opportunity of getting a 1983 Interceptor for gratis.
Just a thought... I'm interested in the interceptor myself, but can't sort out plans to pick it up. |
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#16 | |||
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You have a point about waiting 2 years and insuring for 1 though, that would save money and your NCB. I'm not entirely sure they are going to find out you haven't used it? Yes I am sure there is a clause somewhere but how can you prove that you didn't use it? The only way would be recorded milage somewhere but not everywhere you have to list this and if it is going to be scrapped after, well, go figure. In all honesty I insured my SV for 2 years, barely used it for one and almost zero use in the second, it barely turned a wheel, it doesn't matter. |
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#17 |
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well thnaks for interesting debate guys..
i think the plan is, to keep the insurance running until feb, as i've already paid the premium, maybe leave it a year and then look for a future track bike / project bike while i'm visiting the following summer. stash it in my brothers garage (he doesnt know this bit yet) ![]() thanks for the advice Karl |
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#18 |
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Don't forget, too, that you need at least 2 years NCB before some insurance companies will insure you for certain types of bike.
Shame to work abroad for a few years, save your dosh to spend on a top bike and them find that you can't get insurance on it. |
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#19 |
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When I lost my full NCB it was a 3 year allowance. I was at 3 years and 3 months when I wanted to ride again and the thieving gits stole the whole lot.
Definitely get some old smashed up scooter or something that some scooter kid has crashed. Cost you about a tenner then insure it TPFT for £50 a year. Don't bother getting an old 600 as insurance co's are more interested in NCB as opposed to whether you have been insured on a 600+ in the last year. E.g. I have had my licence 13 years and been riding for all but a few and my premium on my current bike was £700 with no NCB. A lad at work who is a few years younger than me has done two years (NCB) on a moped, did his DAS and got quoted £450 on new GSXR. Pathetic, insurance companies are thick as sh*t so play them at their own game I say. |
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#20 | ||
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