I didn’t leave it until last minute! Been trying for 3 days on and off between work! Nothing lost on the 1300, got a full refund so if anyone fancies a lovely 1300GS TE Trophy ASA, Cotswold Motorrad have one going :-/ if I had a garage, it would have been £402 with £1300 excess an no tracker requiredNot the clever thing to do , leaving it until last minute to sort out your insurance.
Your probably not insured on your current bikes now, and I wonder how much your going to loose on the 1300.
1300gs TE ASA Insurance- No Quotes !
- Thread starter pbbanks
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Well I am glad I am not alone with the insurance rort in the UK. Coming from OS riding new bikes worth £25k insured for less than £400 with not a single claim to the UK, I went to the bottom of the pile. My 2008 1200 GSA cheapest quote was £1800. Fire and theft was still £800. Moved to a new 1250 GSA and the only quote I could get was £4500 for third party!!! Paid a neighbour for their garage and the full comprehensive is £850. Only had 2 months left to be on my 4th year of insurance so I only have 2 years NCB.
Also Bennetts only do low risk and someone mentioned the £20k limit which I was also explained and I pointed out its absurdness as well.
I hate insurance but I blame the thieves and scammers in society for the problem.
Also Bennetts only do low risk and someone mentioned the £20k limit which I was also explained and I pointed out its absurdness as well.
I hate insurance but I blame the thieves and scammers in society for the problem.
I wouldn’t want to offer insurance on any 20k motorcycle, if it is not in a secure garage. Just saying .
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Its really not a surprise they dont want the business, it is not an ASA model issue, it is a risk issue.
Think the insurers have moved the
goalposts between Jan 2024 and now with me. In Jan I insured my then new r1300gs TE valued at £22k. Now when I ask for a change of vehicle quote for a new r1300 GS ASA model they won't quote, even if I value it at £22k (same value as my existing r1300gs TE).
Weird. The ASA model should be no more of a risk than the 1300gs, same power etc. etc., even visibly the same (both Trophy model). Only difference is in the gearbox and lack of clutch lever.
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I was referring to the other guy with no garage and a 20 odd k brand new GS. Suspect would be the same bat back, regardless of what gearbox it has.
Are you still not sorted?
Just waiting to get the reg number for the new bike and will then phone up insurers and try again. May put it down as under £20k market value (which will probably be what it's worth after I ride away from the shop anyway) & prepared in the very unlikely event of a claim to take the hit myself. I'm aware some may say it's then under insured but not a lot of choice other than not getting the bike.
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For what its worth, Ive just stuck GU74 XOZ (ASA bike on auto trader) in confused.com value 22k and I can get a quote for me , 4 quotes but suspect same underwriter Ageas, as all same excess etc. I tried same reg no with £19999 bike value and there were a lot more quotes coming back albeit similar prices.
As you stated it was paid for and you were picking up the next day, I’m amazed it wasn’t registered to you with the associated hassle that would have brought all parties.
a dealer is not going to register the bike in your name until they have your cash in the bank nowadays. It can all be done in seconds online once you have settled the invoice. Less grief all round if things go tits up.
I imagine they have had many cases where punters pull out of a deal especially in such uncertain times where someone might receive a redundancy or eviction notice in between placing an order and collection.
Cotswold in this thread and Halliwell Jones in another thread have generated goodwill by cancelling orders without penalty whereas if they had made a charge, the customers would become ex customers and spam the internet with bad comments about the dealer rather than directing them at BMW pricing and insurers' antiquated algorithm limits.
I had issues insuring my new GSA last year for the same reason - insurance companies haven’t caught up with bike values, and have a ceiling of £20k. It’s ridiculous given the price of bikes these days.I had a similar problem when I bought the Goldwing. Most insurers don't want to take on the risk of a bike costing over 20k.
I sent an E mail to LV (my then insurer) and subsequently had a long talk with LV's CEO and then his underling.
Apparently this value was set many years ago and hadn't been updated since. I explained that there was then a good number of bikes over 20k, and many more approaching that value. After a couple of days they got back to me with a satisfactory proposal. ( they withdrew from the bike insurance market the next year)
I agree
In my case, due to falling earning capacity I’m no longer going to be buying bikes at that price.
I've contacted Bennets today and they wouldn't coomplete a quote (R1300 GSA) without the bike having a tracker. Their reason was because it was such a high value vehicle.
On the comparison websites (comparethemarket), I've no idea what to put in the security and extra security to even get a ball park figure. Anyone any ideas what security to put in for the new R1300 GSA?
On the comparison websites (comparethemarket), I've no idea what to put in the security and extra security to even get a ball park figure. Anyone any ideas what security to put in for the new R1300 GSA?
What value did you put down?. If it's above £20k they struggle to give a quote.
Manufacturers immobiliser. Plus Datatag usually standard from a BMW motorrad dealer in the UK.
Cheers. Put in the Datatool Stealth and the Granite Clamp..made no difference when I put in a 1250 GSA at £14000 - still getting £1200 quotes >< Unable to get any quotes for the R1300s.
I had a theft of my old 1200 back in 2022, the guy was caught but heard nothing, bike recovered, insurance wrote it off as the steering lock was damaged.
EDIT: Ok, checked "Confused" with the new GSA ASA and getting around the £1150 mark - with the value at £19500 - with standard immobiliser and Datatag
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No quotes on any bike without a garage in London… its not just me… which is fair as they will get stolen.
Just as a matter of interest, if you under insure a new bike, where do you stand with the insurance company who will replace a new bike like for like in the first year if written off.
You stand where your policy says you stand. You also stand in line at the bank to withdraw enough money to cover the remainder of what your insurance won't cover
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