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Thread: Insurance for older GS's and high mileage usage.

  1. #1
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    Insurance for older GS's and high mileage usage.

    Hi All.

    I am looking to get bike insurance for my 2003 1150 GSA. I need to find a policy that will allow me to do at least 30K mileage a year as I will be commuting about 500 miles a week round trip to work and back. I don't have NCB as yet.

    BMW quoted me £1200, which I thought was steep for the age of the bike and they only allowed a maximum of 20K as well.

    I thought I'd ask if anyone has any good suggestions.

    Thanks

  2. #2
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    Have you considered Classic Bike insurance, as long as it is garaged and your a member of a bike club it'll be a lot cheaper.

    Agreed value, no no claims bonus though, and most don't have a mileage limit.

    Sent from my SM-G925F using Tapatalk

  3. #3
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    Quote Originally Posted by Tractors are go View Post
    Have you considered Classic Bike insurance, as long as it is garaged and your a member of a bike club it'll be a lot cheaper.

    Agreed value, no no claims bonus though, and most don't have a mileage limit.

    Sent from my SM-G925F using Tapatalk
    I haven't. I know with classic cars I've had in the past, I've only been able to get classic insurance on the premise that my mileage is very limited. Typically a max of 5K. I also wouldn't think a 2003 is classic yet but I could be mistaken.

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    Fireblade and gsxr K1 is, most now use 15 years.

    Some do limit mileage, but I clocked up 19K in a year, and they didn't care.

    Some clubs get bigger discount than others; VMCC was £45 cheaper than VJMC, so I joined VMCC, get a magazine every month and I'm still around £20 better off.

    Capitalism, go figure.

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  5. #5
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    30k miles per year and no NCB and u think 1200 pounds is expensive?

    Commuting is also a higher risk...



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  6. #6
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    Quote Originally Posted by malcopopolo View Post
    30k miles per year and no NCB and u think 1200 pounds is expensive?

    Commuting is also a higher risk...

    Sent from my Lenovo TAB 2 A10-70F using Tapatalk
    I do hear you and understand your comment. I just think it's still expensive, not for what I get for the potential policy but within the market place. I'm sure there are better deals out there, and I'm sure people here can recommend companies they've had good experiences with. That was all.

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    Quote Originally Posted by Curvarbol View Post
    I do hear you and understand your comment. I just think it's still expensive, not for what I get for the potential policy but within the market place. I'm sure there are better deals out there, and I'm sure people here can recommend companies they've had good experiences with. That was all.
    Get on the phone and start ringing people.

    Everyone is very different. Most here do not do 30,000 miles in five years, let alone one. Most do not commute; if your commute means that you leave your bike on the streets of London all day..... kerching! Most do not have no accumulated no claims bonus.

    Buy a copy of any of the bikermate magazines and ring each of the bods advertising their wares. A dull process but the only one that will get you closer to the price you think is reasonable.

  8. #8
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    Thanks for the advice.

  9. #9
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    Hastings and Hastings Direct came up great for me when I needed a dedicated single bike policy with no No Claims due to already having it attached to another policy and it not being transferrable (it was cheaper doing this than adding the newer bike).

    They were both found by doing a specific model insurance comparison online, they differed by one having a few extra add ons.

    Mileage and commuting wasn't a problem.
    It's only a bloody date change.

  10. #10
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    Try RH Specialist Insurance. They can be found under the search function here.
    Arrogant Patronising English scum living the dream ...

  11. #11
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    Quote Originally Posted by ChasMill View Post
    Try RH Specialist Insurance. They can be found under the search function here.
    Thank you for the idea. I tried them but the bike isn't a classic (in their eyes ) so they couldn't help.

    Thanks to the help here and thought, I've managed to get the quote down quite a bit down from the BMW quote. It just seems they were ridiculously high compared to most others.

    Not the cheapest quote by far but what seems like a good quote and including the things I'm looking for is from HASTINGS DIRECT. I don't know them but the reviews generally seem good.

    Thank you to all.

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