insurance renew again...

[Narcoda]

cheap they may be just dont have an accident

That's the plan!

Anybody want to summarise this thread so we can learn something? (who is best, who is cheapest/most expensive etc)

 

[Wapping]

Anybody want to summarise this thread so we can learn something? (who is best, who is cheapest/most expensive etc)

Why not you, if you think you or others will benefit from it.

 

[Demongroover]

I got £360 for GS and Harley (with agreed value) on same policy (FC protected)

Motorrad wanted £162 this year (FC protected), not too bad really.

 

[Wudee]

BMW quoted me hefty £450 fc for a 2010 GSA full options incl alarm! I live in London, biked is garaged (low 6k miles/year) and I have 9 yrs no claim as that is the maximum they except in the UK although I had 11 in the Netherlands before moving to the UK 3 yrs ago. A few things I find remarkable:

- you can haggle on an insurance quote, completely new to me and it does make you feel shafted no matter if you get the price down
- how come your no claims is never automatically protected? In Holland when you have reached the 75% maximum discount thanks to no claims the next is that your no claims are protected till you make your second claim
- why do I lose no claims if someone else crashes into me?
- why doesn't your no claims apply to your car and bike insurance? you are the same qualified driver and in the end can't ride a car and bike at the same time
- in Holland you insure the bike and not the rider, meaning anyone can ride your bike. Although I can see the issues with this

 

[dakarDude]

I've been raped I think! - EBike 2nd year (just renewed) - 12 months on a full bike license (09 GSA), 35 yrs old - no claims - £460.00!!!!!!!!!

 

[Wapping]

That's the plan!

Anybody want to summarise this thread so we can learn something? (who is best, who is cheapest/most expensive etc)

Here you go, I have made a start for you:

bmw motorrad insurance .... wanted £320 (FC)....carole nash quoted me £210 (FC)....

32yr old on 09 GS...

BMW now includes legal expenses and up to £1000 for kit

- I stuck with BMW even though it has risen slightly - but only costs about 50% of what you are paying; but there again I am older and don't live in a dodgy area and keep the bike in a garage

My renewal came in nearly £300 more expensive than what I'm paying now.

few minutes on the meerkat and am looking at £310 FC.

Carole Nash came in at £1030!

Renewed mine yesterday

I think I am an old git £118 for 2 bikes with Ebike.

Carole Nash came in at £310.00, rang Devitt and got it for £141.00 FC which was through BMW Mottorad.

An old bloke like me, 49 years, for FC on a multi bike job: 900 Divi GSA ( 08) Came in @ £137

37yr old, village in country, on the drive - BMW Insurance £257.

£149 FC - Swinton

£198 FC with claims protection from BMW Motorrad. Covers two bikes plus all the extras I have added to the GSA

Try e-Bike insurance. My GS & Harley fully comp for £132.56 last year. OK I'm pushing 60 and live in the country,

for e-bike for my GSA

I am 30 years old, garaged bike = £190 (14 years NCD)

£97 with Hastings! FC, PNC.

Renewal at Carol Nash came in at 288 FC for 09 GS1200. After comparison sites I managed it for £105 through a broker with NIG. Went back to Carol Nash and got them down to £170 with all bells and whistles

£110 plus IPT.
R1200GS, parked on street. Fully comp, protected NCB. £350 excess. 49, IAM test passed. 5 years NCB. Underwritten by NIG.

Auntie Carole - £280.

eBike £195.

I got £360 for GS and Harley (with agreed value) on same policy (FC protected) Motorrad wanted £162 this year (FC protected),

BMW quoted me £450 fc for a 2010 GSA full options incl alarm! I live in London, biked is garaged (low 6k miles/year) and I have 9 yrs no claim

.....over to you now to tell us what conclusions to draw......

I'll tell you what mine are:

(a) Every one (and everyone) is different.

(b) Most bods (from a very short list) seem to pay between £100 to £150 to £200 a year, which is about 0.30p to 0.50p a day. But some tip the scales at over three hundred quid, or about a pound a day.

As a rough comparison as to what 'value' that might represent: A quality newspaper is £1, a pint of decent beer is not much less than £3 and a box of fags more than a fiver.

(c) Those that ring around several insurers or brokers seem to do best. It is the single defining factor and the only way of getting a quote that is best for you.

 

[Wapping]

PS

I forgot this one:

I've been raped I think! - EBike 2nd year (just renewed) - 12 months on a full bike license (09 GSA), 35 yrs old - no claims - £460.00!!!!!!!!!

He pitched at a mighty £460 from ebike and topped the league.

If nothing else it proves how unreliable tips as to who are cheapest often are.

Why? Well ebike are often tipped as THE cheapest game in town (just don't claim) apparently... Yet here they are as THE most expensive....

....but we do not know why.

Maybe dakarDude has a string of motoring convictions longer than my arm? Maybe his loss record stinks? Maybe he wanted a very low excess? Maybe he lives in pikeynickyourbike alley? Maybe he (or ebike) just fecked up?

 

[Narcoda]

Excellent post Wapping... hard to better

 

[dakarDude]

Folks, my error - total premium is 369.83.

1. I have no criminal convictions or a criminal record as long as your arm, but thanks for asking Wapping.

2. I live in a very low crime rate area - there are no alleys of pikeynickyyourbikeys around here.

3. Loss record - zero.

4. Policy is FC.

5. Excess is £275.00.

 

[weavo]

Just changed from Carol Nash, wanted £267 FC, to BMW, £210 FC.
I'am sure others have changed the other way. You just have to shop around.
If you dont you will pay more.

 

[Wapping]

Folks, my error - total premium is 369.83.

1. I have no criminal convictions or a criminal record as long as your arm, but thanks for asking Wapping.

2. I live in a very low crime rate area - there are no alleys of pikeynickyyourbikeys around here.

3. Loss record - zero.

4. Policy is FC.

5. Excess is £275.00.

Another problem with 'What's best?' lists, people get their premium wrong

Mind you it is perhaps still on the upper-side of chunky from THE cheapest bods around. Who knows why

My advice would be to call around to see what alternatives might be on offer. If you can make a significant saving, think about cancelling eSure's policy, perhaps. There may be some penalty charges for cancelling short, so factor that in to whatever you decide to do.

 

[Drofsereb]

To kind of jump on Wapping's band wagon a bit here, there is one and only one conclusion to be drawn from a thread like this - It pays to shop around at renewal time

Actually, no, there's a second conclusion - if you can't be bothered to spend 20 minutes on a computer to save £38 quid (me - £156 down to £118), don't complain about your premium on a thread! And for those who say it isn't worth it, I wouldn't mind being paid at that hourly rate!

 

[dakarDude]

Drofsereb - FYI - I did spend approx 2 hours shopping around on my PC and I found that there was little in it with rivals to EBike.

I am assuming my just over 1 year on a full bike license is having a lot to do with it - it dropped from >640.00 from when I got a policy with EBike just after I got my full bike license.

As for complaining - nope - I don't really give a s**t so long as I am riding my 1200GSA, legally

 

[Wapping]

Drofsereb - FYI - I did spend approx 2 hours shopping around on my PC and I found that there was little in it with rivals to EBike.

I am assuming my just over 1 year on a full bike license is having a lot to do with it - it dropped from >640.00 from when I got a policy with EBike just after I got my full bike license.

As for complaining - nope - I don't really give a s**t so long as I am riding my 1200GSA, legally

I don't think Drofsereb meant it as a snipe at you. Probably just an untidy 'quote and cut', nothing more.

As regards value? Raped was the word, was it not? But never mind.

The final piece of your information brings the whole, 'What is the best deal?' to a tidy conclusion, in that:

(a) It highlights once more that everyone is different. Making it all but impossible to answer the question, "Who is best?"

You, with a one year licence but living well outside of Crimeville, pays considerably more than me with 33+ years but living in London E1. But the comparison is all but meaningless. Had you had the maximum no claims bonus, your premium would probably be down in the mid-£100's level, close to others' figures and more than mine.... But I have four bikes, so again, it means nothing.

(b) It shows once again that the only way to be sure of probably saving any money is to shop around.

Your quote, high as it was (simply down to experience) was the best deal out there for you.

 

[Drofsereb]

Drofsereb - FYI - I did spend approx 2 hours shopping around on my PC and I found that there was little in it with rivals to EBike.

I am assuming my just over 1 year on a full bike license is having a lot to do with it - it dropped from >640.00 from when I got a policy with EBike just after I got my full bike license.

As for complaining - nope - I don't really give a s**t so long as I am riding my 1200GSA, legally

Mate there's lots of people on this thread - don't assume that my one comment was aimed at you personally. There are others who 'couldn't be bothered' etc, and that's fine. I had no idea if you checked other insurers or not, but I didn't assume you hadn't Again, as far as complaining goes, not you personally - what you said was a statement of fact. Other posts didn't have the same tone. No slur or personal attack intended, I was equally trying to state a couple of facts without necessarily getting personal.

 

[PhilM]

the only thing the carole nash insurance doesn't seem to include is kit cover...

They will for an extra £39

no payout if not locked away between certain times with garage

at least Carole Nash pointed this out, "between 10pm & 7am, if not garaged at the stated address, no pay out for theft"

And with all the comparison sites, this lot "Dial Direct" were most often the cheapest, too good to be true I thought.
I was right Dial Direct reviews

 

[dakarDude]

Mate there's lots of people on this thread - don't assume that my one comment was aimed at you personally. There are others who 'couldn't be bothered' etc, and that's fine. I had no idea if you checked other insurers or not, but I didn't assume you hadn't Again, as far as complaining goes, not you personally - what you said was a statement of fact. Other posts didn't have the same tone. No slur or personal attack intended, I was equally trying to state a couple of facts without necessarily getting personal.

Fair play - no offence taken m8.

 

[dakarDude]

I don't think Drofsereb meant it as a snipe at you. Probably just an untidy 'quote and cut', nothing more.

- No worries - as stated above, no offence taken.

Email / text etc. can often be specified by the author to mean one thing, yet construed to be completely another by the recipient - a piece of text minus body language can so easily be misinterpreted.

As regards value? Raped was the word, was it not? But never mind.

It was - as in the original (incorrect) figure I stated, which I corrected. Now, its more of a man-handling as opposed to a full on butt-f**king by EBike

 

[Wapping]

-

It was - as in the original (incorrect) figure I stated, which I corrected. Now, its more of a man-handling as opposed to a full on butt-f**king by EBike

Now that was funny!

 

[dakarDude]

You're welcome Thought that may break the old ice