I Can’t Be The First Tosser To Need Insurance After An Extended Break ?

KWS

KWS

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I was fully expecting to be stung for a few years on new insurance, until I build my NCB back up, but so far today the computers are saying an emphatic “NO” !!

Despite passing my bike test in 1980 and riding several large capacity and sport bikes over the years, with not a single claim or conviction in that time… and despite living and breathing Roadcraft for most of my career, the fact I’ve not ridden in the last 5 years is going against me. I don’t think the £22k value of the bike is helping either.

Bennetts, Carol Nash and a couple of lesser known companies don’t want to know and I’m losing the will to live for today… I’ll continue the search over the weekend.
 
Have you tried Bikesure. Both Bennett’s and Carole Nash seem to have gone very silly with their prices for me.
 
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what bike are you trying to cover? Even those with lots of recent experience can find getting cover for a new R1300GS a mission. It is the value of the bike not the cc that scares underwriters in certain postcodes.

try a real broker with bricks and mortar shops. Howden (was Aplan) comes to mind.

Note: the BMW scheme is administered by C Nash (part of Markerstudy) so don't get you hopes up.
 
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In essence, you have two problems and maybe more.

1. For a while, insurers have been reluctant to insure motorcycles with a value north of £20,000. Mix into this a reluctance of some to insure certain makes or models, allied to (in some cases) concerns over some postcodes.

2. No established current ‘No claims’ credit.

In short, it’s easier for an insurer or (more likely) their intermediary or broker to say “No” than to say “Yes”.

Your only solution is to keep contacting every insurer / intermediary you can find. Eventually, you may well find one that suits you.

:beerjug:
 
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wessie said:
what bike are you trying to cover? Even those with lots of recent experience can find getting cover for a new R1300GS a mission. It is the value of the bike not the cc that scares underwriters in certain postcodes………..
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A new R1300GS. I guess I’ve got a lot of searching to do.
 
Wapping said:
In essence, you have two problems and maybe more.

1. For a while, insurers have been reluctant to insure motorcycles with a value north of £20,000. Mix into this a reluctance of some to insure certain makes or models, allied to (in some cases) concerns over some postcodes.

2. No established current ‘No claims’ credit.

In short, it’s easier for an insurer or (more likely) their intermediary or broker to say “No” than to say “Yes”.

Your only solution is to keep contacting every insurer / intermediary you can find. Eventually, you may well find one that suits you.

:beerjug:
Click to expand...

Post code is good and that’s about it. The rest I’ll be paying through the nose for…. If I can find a company to take me on at all. Steeling myself for a long day of searching !
 
For what it’s worth, it’s not personal. Insurance for expensive motorcycles (at the time above say £15,000 in London from about 2017 onwards) became more difficult. BMW Park Lane, London had umpteen cancelled orders, when bods couldn’t afford insurance or simply could not find anyone prepared to quote.

There are umpteen threads on this forum, let alone blogs, videos, magazine articles and “My mate says….” that keep repeating that bike theft and scrotes are all but inevitable. Some, maybe a lot, is hearsay, but without a doubt expensive - and not so expensive - bikes are attractive to thieves, not least as they are comparatively easy to steal. Just like the thieves, insurers can work that out too, even without an algorithm. Likewise, repair costs and delays are rocketing, which simply exacerbates the problem.

Good luck with your hunting.
 
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KWS said:
Post code is good and that’s about it. The rest I’ll be paying through the nose for…. If I can find a company to take me on at all. Steeling myself for a long day of searching !
Click to expand...

a proper broker might be more likely to find a policy. They tend to have more time than anyone on the end of a phone in a call centre and certainly more options than an AI comparison site. They might have contacts with certain underwriters to over-ride the screen scraping algorithms to recognise your past experience or adjust other parameters such as a policy excess or agree a specific security requirement.
 
My RoadKing had a list price of £25k —… I paid £22k… (this was 18 months ago )

I’ve ridden since 17, now 63… had a GS insured for £150 fully comp and countless other car and bike policies..

No one would touch it…. So I reduced the price to £19k on the comparison sites and all the quotes pilled in….

In the end Bikesure covered it at £22k without any grief.


They don’t like em over £20k…..

Even HD insurance refused …. (Carol Nash under the skin) which is funny as a high percentage of new Harley’s are north of £20k
 
KWS said:
A new R1300GS. I guess I’ve got a lot of searching to do.
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That's probably the main reason. If you have no luck consider getting a quote on a used approved one under £20k to see if you can get insurance on one of those instead of buying new.

BMW-Search results used bikes https://share.google/G0tSRbQxDZLS24HuL
 
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