Multi bike vs individual??

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!!

If they were no fault claims they should not affect your premium in any way. You always have to declare them but if other party's insurer paid up then that shouldn't affect you.

Have a look at LV

LV came in at £1800.....I think 2 separate policies is going to be the way forward...

Morning...
I am with Bennetts..I have 4 bikes - under two policys - My GS is covered for business mileage on one of the policys (Im a Plumber)
Just renewed one of the policys on sunday - £165.00

i had a similar issue with CN recently.

after a call they lopped £100 off the renewal, but i got another quote from https://www.rhspecialistinsurance.co.uk that was much more reasonable. then thinking it was easier if i stayed where i was with CN, rang them again to see if they'd match it and they quoted under by 20 quid. TBH i could have plucked the RH quote out of thin air.

you shouldn't have to fuck about with shite like this, but that is just the way it is with these people now.

mrpuncture said:

LV came in at £1800.....I think 2 separate policies is going to be the way forward...

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Ouch. They insure my airhead and 49 BSA for £107 !

Spent hours and hours on this in the last couple of days...and lots of time today!
Come to the conclusion after filling in the identical looking form several times that it's just much more expensive for the R1200GS to be insured. I suppose only being 33 and having been riding only 2.5 yrs doesn't go in my favour....but i'm still struggling to figure out how it's increased so much from last year. My second bike was an sv1000 and the insurance for that was only £170, that was after riding on a full license for less than a year!
Got the R65 in at £133 as a classic bike, but crumbs, there's a premium for owning a GS....I guess it's all those young hoodlum GS riders, revving all over the place, trying to get their knees down, crashing all over the place on their poorly maintained steeds....

Right...now on to motorbike recovery searching...

Cheers for the feedback.

Not the way insurance companies look at it any more , you were involved in an accident and even though you were proven NOT to be at fault you are still a higher risk in their eyes !!!!!!!!!!!!!!!!



QUOTE=Delboy777;4474817]If they were no fault claims they should not affect your premium in any way. You always have to declare them but if other party's insurer paid up then that shouldn't affect you.[/QUOTE]

Sadly true for me Neil - if i run the quotes without the claims it comes back much cheaper.
I guess in many ways it is my fault someone knocked my bike over in a car park (although they did fess up) and that someone didn't see me in the middle of the day in bright sunshine sat at a roundabout not moving, in fact i'm glad they're punishing me for it...

A good news insurance story!

Having started the week with an automatic renewal notice from Bennetts of £ 772 for my 2 bikes and nearly choked I searched this site and others for wisdom and a sensible price for 3 bikes having added to stable of a Tiger 800xc; 2006 GS1200 with a 2010 GS1200. The Tiger is limping having been reversed into last October and £1200 worth of plastic still to be paid for but not on my policy although will be taking 3rd party to court to get the job done. With this sorry tale but armed with a MCN comparison best quote of £113 for the 2010 GS I rang Cornmarket in Belfast:
Stephen Neeson
Department Head
Motorcycles

028 9044 2200
www.cornmarketinsurance.co.uk

A professional expert service & advice & within half an hour I had all 3 bikes covered with fully comp, legal protection, pillion cover etc etc for £270 with Cornmarket Insurance. All documents sent by email almost immediately. Thoroughly recommended for all chimp chasers and chumps as well as ordinary folk that live in houses and the like.

I was with Carol Nash for years with a multi bike policy. Last year i ditched the HD Street Bob and bought a RnineT and then later sold my 1150 GSE SE and bought a new 1200GSA. Last Sep Carol Nash quoted of £800 for both bikes (I've had a full licence for 13 odd years, full NCD and RoSPA gold) after lots of negotiation they brought the premium down a little but advised the GSA was a new bike which significant increased the premium. I said thanks very much i'll look elsewhere, so, knowing eBike insurance are shite from a service perspective but cheap i got a quote from them which came in at around £380 for both bikes. I called CN back and advised that i wouldn't be renewing the policy and that i'd had a much better quote. They asked the cost, went away and came back after 5 mins and somehow had managed to match the quote from eBike.. Bunch of fecking cnuts!!
Similar story this week when my renewal is up, £580 for both bikes. Didn't even bother negotiating this time round and sought quotes elsewhere. Ended up with a very competitive quote from Bikesure £420 for both bikes...
I won't be going back to Carol Nash, no customer loyalty and shite service..

I'm sure there's some sort of maths behind it all, but it seems to change with the wind as to who is cheapest and when...Carol Nash for me last year were incredibly cheap compared to anyone else....whereas this year only beaten in price by LVE. I experience the pain with car insurance yearly, but not sure how it's gone so far out. For cars I bought a brand new A6 Avant (baby and dog!) and paying for that and the wife's car in a multibuy insurance is only £70 more than last yr on 2 yr old A4.
Bikes though - £750 more for carol nash, and overall after hours and hours of searching, calling and quoting i've still ended up paying an extra £100 or so compared to last year with nothing having changed other than 1 yrs extra no claims!
Ah well....maybe next yr it'll be better??

Did the same, CN £330 last year £750 renewal, ok I have changed bikes over the year but FFS, did the negotiation and dropped to £650. Tried Bennetts just now, wont insure due to the value of the bikes . Cornmarket over £1k but did say they would match any quote. I will try Ebike for a laugh as was with them for 16 years till they bumped up the premium with no explanation. It does seem to me there are a few extra questions in the 15 minute data grilling this year and many more "considerations" they take into account.
Got a few days more of giving all my details to broker to sell to muppets that will email and cold call for the next few months but what a pain, glad its only once a year oh wait my car insurance is up soon

Big Den said:

ok I have changed bikes over the year but FFS,

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As they say "the devil is in the detail".

Bennetts say its the total value of bikes they are not willing to cover

I too went through all of this a month ago for three bikes (has been with BMW insurance before as my previous insurer would not include theft cover on the K16 when I added it as it didn't have a tracker!). The best service and price I could find in Aug was with Principal. I would highly recommend them.

They are on my list for today

Another vote for Principle, very professional, best price and insured with a main stream insurer. Signed up.