Greetings...hoping to tap into the collective wisdom and experience (or just experience) here for a reasonable way to insure my bikes....
Started off the last bike insurance "year" with an F800ST on fully comp with business usage, princely sum of £179.
Since then I bought an R65, spent several k customising (or hipstering it, depending on perspective), but added to my insurance with details of all customisation carried out for the remaining 9 months of my insurance for £48 extra. So far so good.
Then saw the light (and got sick of numb hands from the F800ST) and bought myself an 06 r1200gs (fantastic machine)....added on to the insurance for an "admin" fee of £35 for the period May until September.
All this with Carol Nash.
Renewal came through the post....£1156! I was expecting around £350 tops?? Rang up and spoke to some "rude boy" who actually said "innit" several times, and re ran the quote. He couldn't understand why it was so high, but then told me it's because I'd changed bikes during the year, making me higher risk....??!
So currently been looking around for a good while to find a reasonable quote. MCE came in at £650 for both bikes, with an excess of £850....but the benefit of being able to do track days!!
Not sure where to go now, having a quick scan here it sounds like a lot of people are going away from gocompare/confused/moneysupermarket etc and to a smaller insurer that doesn't seem to come up on Google.
It also looks like I might be better running 2 individual insurance policies rather than multi bike?
The other massive annoyance is 2 no fault claims which bump it up massively (bike knocked over when parked in 2014, luckily guy fessed up, then december of that year rear ended at a roundabout, again fessed up and not my fault!).
Business mileage another consideration, I am home based, so I "commute" to meetings with work...but I guess when it's customer meetings on different sites then it's business mileage.
Pain in the fricking behind!!
Started off the last bike insurance "year" with an F800ST on fully comp with business usage, princely sum of £179.
Since then I bought an R65, spent several k customising (or hipstering it, depending on perspective), but added to my insurance with details of all customisation carried out for the remaining 9 months of my insurance for £48 extra. So far so good.
Then saw the light (and got sick of numb hands from the F800ST) and bought myself an 06 r1200gs (fantastic machine)....added on to the insurance for an "admin" fee of £35 for the period May until September.
All this with Carol Nash.
Renewal came through the post....£1156! I was expecting around £350 tops?? Rang up and spoke to some "rude boy" who actually said "innit" several times, and re ran the quote. He couldn't understand why it was so high, but then told me it's because I'd changed bikes during the year, making me higher risk....??!
So currently been looking around for a good while to find a reasonable quote. MCE came in at £650 for both bikes, with an excess of £850....but the benefit of being able to do track days!!
Not sure where to go now, having a quick scan here it sounds like a lot of people are going away from gocompare/confused/moneysupermarket etc and to a smaller insurer that doesn't seem to come up on Google.
It also looks like I might be better running 2 individual insurance policies rather than multi bike?
The other massive annoyance is 2 no fault claims which bump it up massively (bike knocked over when parked in 2014, luckily guy fessed up, then december of that year rear ended at a roundabout, again fessed up and not my fault!).
Business mileage another consideration, I am home based, so I "commute" to meetings with work...but I guess when it's customer meetings on different sites then it's business mileage.
Pain in the fricking behind!!