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Thread: London motorbike insurance - ungaraged

  1. #1
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    London motorbike insurance - ungaraged

    Hello all,

    I am normally a reader, and have not posted here for quite a while.

    I have a 2010 F800GS, daily rider and commuter, and am looking to change it over for a 2017 F800GS. I Live in London, and the bike is kept on the driveway, ungaraged. It is well secured though with 2x chains and ground anchors.

    I am struggling to get a quote for comprehensive insurance. MCE will insure with a huge excess (£2000), and that is it. Have tried comparison sites, Carole Nash, specialist brokers. All telling me they cannot get me a quote for an ungaraged bike in London of that value.

    Has anyone out there managed to find a way to get insurance?

    Thanks

    B

  2. #2
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    Please list out ALL the names of the bods you have contacted already. That will save Fat Bob from Barnsley recommending his mate's best mate's insurer, who he thinks was Er Bike.

  3. #3
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    Good point!

    MCN Compare
    Carole Nash
    Bikesure
    Principle Insurance
    Bemoto
    Bewiser

  4. #4
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    Try a few more of course, but I've had some issues in the past 3/4 years with insurance due to not having a private garage where to store the bikes in London.

    I am struggling to get a quote for comprehensive insurance. MCE will insure with a huge excess (£2000), and that is it. Have tried comparison sites, Carole Nash, specialist brokers. All telling me they cannot get me a quote for an ungaraged bike in London of that value.
    I've only been able to insure the bikes via BMW/Devitts as a broker and it became harder to get a quote in the last 2 years, as they were coming up with the renewal quote only 24 hours before renewal.
    Last year I switched to MCE that was cheaper but with an excess similar to yours (it was cheaper for a reason). They were the only other ones (apart from BMW/Devitts) that accepted to insure my GS as not garaged.

    I finally managed to rent a place where to store the bikes and it is a tiny bit simpler. Not cheaper, but simpler, and I'm happy with that.

    Good luck.
    R1150R '03 [on hiatus]
    R1200GS Adv '07
    HP2 Sport '11
    [I'm the biggest limit on my bike] [flickr]

  5. #5
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    Had exactly the same problem with my GS. Bennett’s wouldn’t insure me again this year and all the quotes I was getting were starting at £1100 quid with £2000 excess.

    After persisting for a while finally got insured with Go Skippy (I hadn’t heard of them either) for half that and a reasonable excess.

    I assume it’s the massive rise in bike thefts the last couple of years.

  6. #6
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    Quote Originally Posted by bigmo476 View Post
    Had exactly the same problem with my GS. Bennett’s wouldn’t insure me again this year and all the quotes I was getting were starting at £1100 quid with £2000 excess.

    After persisting for a while finally got insured with Go Skippy (I hadn’t heard of them either) for half that and a reasonable excess.

    I assume it’s the massive rise in bike thefts the last couple of years.

    As expected it's affecting us all not just those doon sooth, just swapped from a 2016 GSA to a 2018 GSA Triple Black halfway through policy & had to pay £250 for the privilege!

  7. #7
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    Quote Originally Posted by GSAHippo View Post
    As expected it's affecting us all not just those doon sooth, just swapped from a 2016 GSA to a 2018 GSA Triple Black halfway through policy & had to pay £250 for the privilege!
    Yep, they appear to have us all by the short and curlies. It’s not surprising there are so many uninsured motors out there.

  8. #8
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    Quote Originally Posted by GSAHippo View Post
    just swapped from a 2016 GSA to a 2018 GSA Triple Black halfway through policy & had to pay £250 for the privilege!
    Isn't the triple black valued more?
    R1150R '03 [on hiatus]
    R1200GS Adv '07
    HP2 Sport '11
    [I'm the biggest limit on my bike] [flickr]

  9. #9
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    Quote Originally Posted by bobbsy View Post
    Good point!

    MCN Compare
    Carole Nash
    Bikesure
    Principle Insurance
    Bemoto
    Bewiser
    Pick up a copy of MCN at the newsagent’s.

    Work your way through ALL the bods advertising motorcycle insurance. To these list add Ebike, if they are not there. There is no instant short cut to your salvation, not least as what suits someone may well not suit you, too. The days of dirt cheap motorcycle insurance in London (and possibly other places) are over, at least for now..... particularly for newer riders, parking on the street. Claims results, married to a market sentiment that London is a shithole (I wonder where they got that impression from) where motorcycles are stolen every 10 seconds, has done for it.

  10. #10
    Quote Originally Posted by bobbsy View Post
    Hello all,

    I am normally a reader, and have not posted here for quite a while.

    I have a 2010 F800GS, daily rider and commuter, and am looking to change it over for a 2017 F800GS. I Live in London, and the bike is kept on the driveway, ungaraged. It is well secured though with 2x chains and ground anchors.

    I am struggling to get a quote for comprehensive insurance. MCE will insure with a huge excess (£2000), and that is it. Have tried comparison sites, Carole Nash, specialist brokers. All telling me they cannot get me a quote for an ungaraged bike in London of that value.

    Has anyone out there managed to find a way to get insurance?

    Thanks

    B
    Bike theft in London has seen a massive increase in the last few years, if its not chained down or not there is a good chance it will be stolen and why the cost of insurance and excesses have gone up.

  11. #11
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    Quote Originally Posted by er-minio View Post
    Isn't the triple black valued more?
    Yes, but not a great deal more to justify almost doubling the price of the original policy

  12. #12

  13. #13
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    Thanks all for you advice. It seems to have changed drastically since my last renewal between Sep and now for the new bike. I've tried a lot more than I wrote above, but no luck so far.

  14. #14
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    Bobbsy,
    I also live in London, bike parked off street chained to the floor.
    I swapped my 1200 GS for a new 650 V Strom last June.
    Was amazed when my insurers, Devitt, would n't insure it.
    I thought the smaller bike would be less of a problem.
    Bennetts sorted me out & the premium was about £50 less than the GS fully comp.
    Are you under 25 ?

  15. #15
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    I've tried a lot more than I wrote above, but no luck so far.
    I thought the smaller bike would be less of a problem.
    I feel your pain, I've been refused quotes for a few years. I was stuck with a single insurer.
    I was told by one insurer over the phone that >=5k bike non garaged in London is a big no-no (along with all the other variables of the case).

    I started my MCE policy this year declaring one of my bikes as parked on private property (but not garaged). I managed to find a secure location for the bikes later on and the excesses went down a lot (around 50%) on one bike.
    R1150R '03 [on hiatus]
    R1200GS Adv '07
    HP2 Sport '11
    [I'm the biggest limit on my bike] [flickr]

  16. #16
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    Thanks again for advice. No, well past 25 these days ! 11 years NCB, no points, no convictions, never made a claim. Bennetts wont quote for me now.

    I've cancelled the new bike purchase - sticking with the 2010 as couldn't justify the new one with third party only...

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