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Thread: IAM Surety any good??

  1. #1
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    IAM Surety any good??

    Hi there

    Has anyone had good or bad experience with IAM Surety bike insurance? My insurance is due on the 18th and they are by far the best quote!

    My present insurance renewal is £221 up from £170 last year but when I told them about my new bike (getting at renewal) it went up to £650!!!

    IAM surety will do it for £209 with a lower excess, although the cost isn't everything if their service is rubbish?

    Thanks
    Dave


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  2. #2
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    Never claimed but I use them with no problems, they also offer class 1 business cover automatically for IAM qualified riders.

    Not sure that helps...

    RBW.
    "The fact is this is about identifying what we do best and finding more ways of doing less of it better" - W1A

  3. #3
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    Just about to change back to them after 12 months away. Never had any previous need to claim.

  4. #4
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    I have my car with them, but not had to claim.

    I nearly put my bike with them, but then found out that if you declare the bike is garaged you can't leave it parked outside your house at any time of the day because if it's stolen you'll not be covered as it's not in the garage. In fact, you cannot leave it parked within a certain radius of your house for the same reason. Now I live in an area where my bike isn't likely to get nicked whilst on the drive, but I'm not going to risk it.

    Other underwriters allow for parking outside your home between certain hours, but they double the excess.

    Each year at bike renewal time they ring me to ask if they can quote, each time I ask if their underwriter has changed their policy regarding parking outside your house, each time they check and come back with the same answer, no.

  5. #5
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    I was once with them for a car for a year. They were not the very best value and I found the service disappointingly off hand when renewal time came around. Miles too expensive a quote on the bikes. I did not use them again.

  6. #6
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    Quote Originally Posted by trebor View Post
    I have my car with them, but not had to claim.

    I nearly put my bike with them, but then found out that if you declare the bike is garaged you can't leave it parked outside your house at any time of the day because if it's stolen you'll not be covered as it's not in the garage. In fact, you cannot leave it parked within a certain radius of your house for the same reason. Now I live in an area where my bike isn't likely to get nicked whilst on the drive, but I'm not going to risk it.

    Other underwriters allow for parking outside your home between certain hours, but they double the excess.

    Each year at bike renewal time they ring me to ask if they can quote, each time I ask if their underwriter has changed their policy regarding parking outside your house, each time they check and come back with the same answer, no.
    I have had that with other insurance companies

    I don't really mind that as my drive slopes so I put my bike in the garage when I get home


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    I'm with them as they provide cover for blood biking. Seem pretty good, also gave me a good quote for my car. The bike garage thing is a bit of a pain, as it states the bike isn't covered for theft or malicious damage if the bike is left on your drive or any location within half a mile of your home. Not an issue for me, but did ask what would happen if you were retiring home and stopped at a petrol station which was within half a mile and something happened. Their reply was, we would look at it sensibly - not sure I trust that. As it is, I don't have a petrol station within half a mile, so not an issue Just hope nobody pinches the bike off my drive after I've washed it.

  8. #8
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    Quote Originally Posted by casbar View Post
    I'm with them as they provide cover for blood biking. Seem pretty good, also gave me a good quote for my car. The bike garage thing is a bit of a pain, as it states the bike isn't covered for theft or malicious damage if the bike is left on your drive or any location within half a mile of your home. Not an issue for me, but did ask what would happen if you were retiring home and stopped at a petrol station which was within half a mile and something happened. Their reply was, we would look at it sensibly - not sure I trust that. As it is, I don't have a petrol station within half a mile, so not an issue Just hope nobody pinches the bike off my drive after I've washed it.
    That's a point I do have a petrol station within half a mile (Tesco)

  9. #9
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    Its all an attempt by the Insurance industry as a whole to screw everyone to the wall with ridiculous conditions. Its a load of bollocks that they want you to NOT keep your bike on your property if its not garaged. What happens if say you come home from work and leave it in the drive intending going out again after your tea, and it gets nicked or kicked over ? So they are saying your not covered ? Bastards the lot of em, just ask Wapping, but I bet he will deny it.

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    Quote Originally Posted by Delboy777 View Post
    Its all an attempt by the Insurance industry as a whole to screw everyone to the wall with ridiculous conditions. Its a load of bollocks that they want you to NOT keep your bike on your property if its not garaged. What happens if say you come home from work and leave it in the drive intending going out again after your tea, and it gets nicked or kicked over ? So they are saying your not covered ? Bastards the lot of em, just ask Wapping, but I bet he will deny it.
    You are correct

    Not parking on your drive for an hour is a recent thing, in the last 5 years...............with CN you only have to garage between 10pm and 6am and most times I come home and park it on the drive for an hour or so, whilst I have a mug or tea or a beer in summer, so the 'always garaged' clause would be a royal PITA for me

    Same with pillion cover, 5 years ago it was never mentioned and now you have to add it in

    When I insure my car, they never ask me to declare if I am taking passengers at any time

    Fecking scam
    JohnnyBoxer



    So many roads...........So little time......

  11. #11
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    Quote Originally Posted by JohnnyBoxer View Post
    You are correct

    Not parking on your drive for an hour is a recent thing, in the last 5 years...............with CN you only have to garage between 10pm and 6am and most times I come home and park it on the drive for an hour or so, whilst I have a mug or tea or a beer in summer, so the 'always garaged' clause with be a royal PITA for me

    Same with pillion cover, 5 years ago it was never mentioned and now you have to add it in

    When I insure my car, they never ask me to declare if I am taking passengers at any time

    Fecking scam

    Wow ! JB agreeing with me, bloody hell that must be a first

  12. #12
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    Quote Originally Posted by Delboy777 View Post
    Wow ! JB agreeing with me, bloody hell that must be a first
    Nah, you're a good egg....fella
    JohnnyBoxer



    So many roads...........So little time......

  13. #13
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    Quote Originally Posted by JohnnyBoxer View Post
    Nah, you're a good egg....fella
    Self opinionated for sure JB I tend to say it as i see it. Apart from the odd "wind up" lol


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  14. #14
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    This issue has been discussed in previous threads and one sensible idea put forward was to not state the bike is garaged. Apparently the difference in premium may not be great dependant upon postcode but worth a try.
    2011 GS Triple Black

  15. #15
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    I've just passed my iam
    Surety didn't hang around calling me for details when I'm due to reinsurance


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  16. #16
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    I was with them for years then prices suddenly shot up so i ditched em for the bike. Still got car with em though.


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