Insurance

Bobbyspit

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Its that time of the year again, any advice on who to use?

10 yrs ncb, licence for lot longer. garaged bike. 5k miles a year. so not a massive risk!

Rob
 
I use Carole Nash, not the cheapest but they are not exactly expensive either.

Decent Euro Breakdown and Recovery makes it a no brainer for me, all the cheap policies work out far more expensive by the time I have added the cost of this.

My mate has comprehensively tested their recovery service home and abroad and gives it a big :thumb
 
Rasher said:
I use Carole Nash, not the cheapest but they are not exactly expensive either.

Decent Euro Breakdown and Recovery makes it a no brainer for me, all the cheap policies work out far more expensive by the time I have added the cost of this.

My mate has comprehensively tested their recovery service home and abroad and gives it a big :thumb
Click to expand...

I am currently with CN and am impressed with their Euro breakdown package which comes with the insurance, Hastings are slightly cheaper
 
I am with CN but won't be there next year - only left BMW to get a Green Card for Morocco. So far its cost me £300 and I still have to pay for the Green Card - my BMW quote was £140!!

Plus CN's customer service has been terrible - can't believe that they are still in business.

If I was you, I would chance a quote with BMW - new underwriter and prices have gone up a bit but still very good IMHO.
 
sorreeee, tedious questions ...buuuuuuut....

is it wise to declare panniers - i'm guessing yes. what about the dymamic and premium packs, adding abs traction etc etc (performance add on's ?))....again any insurer specifically recognise the packs?

:thumb2
 
Just done mine with Bennetts...

10 plate GSA, 4000 miles annually, 9 yrs bonus, garaged at property, excluded commuting as I don't these days...

£110 including basic £50,000 legals.....
 
Check out Ebike insurance: £135 for two bikes (12GS & Harley Sportster) fully comp including European travel.
 
SiRich said:
sorreeee, tedious questions ...buuuuuuut....

is it wise to declare panniers - i'm guessing yes. what about the dymamic and premium packs, adding abs traction etc etc (performance add on's ?))....again any insurer specifically recognise the packs?

:thumb2
Click to expand...

i declared panniers, added about £10 to premium, if you came off you would almost surely damage them

+1 for ebike - easy site to use, maybe not cheapest but not far off
 
Im using Ebike now I was with CN but after closer inspection of my policy and found that for some reason thay had the value of my GSA 1200 Twin cam at £1200.00 instead of £12000.00 :eek: I thought it was time to move on and the lesson is always check the wording because the advisers on the other end of the phone dont know the front end of a bike from the back :mcgun
 
I went via BMW, I got a good deal seeing as I have no NCB anymore.
 
Insurance is the new oil.

Once more, in very simple terms:

(a) Premiums for motorcycles are not specific to BMW 1200's any more (or less) than they are specific to an R1 or a wheelbarrow. They are all individual and certainly not that technical.

(b) That one bod who is the the thick end of the upper 40's or low 50's of age with no points and no claims who keeps his bike in a garage pays £177 in the barren north, has little direct or no direct relationship to a pimply feckwhit with 9 points, with no garage, existing in London E4 in social housing who may well pay north of 'kin hundreds (or not).

(c) Forget what some other fecker pays. It will only please or upset you to know.... Get on the bloody phone and negotiate yourself the BEST deal YOU can manage EVERY time the renewal notice drops onto your mat. It really is that simple. Rather like crude oil, insurance is a commodity*. The only slight advantage you have is that you can haggle over the price and terms; a luxury that is not readily available you on the forecourt of BP on a wet Friday evening with 100 miles to go to home.

====

Rather like early mobile phones, all you get is a load of blokes going "Hey mate, guess how small mine is". I am indebted to Sandi Toksvig for that joke.


*It never used to be. 9/11 and the internet changed that, forever. So, that's another thing you can thank (or curse) Osama and Bill Gates for.
 
No offense intended, but I don't understand why people post this question.

Insurance quotes are so individual that no one can tell you what to expect and each has there own personal anecdotal reports of good/bad incidents dealing with company A or company B.

Just go on a couple of comparison sites and see what happens.
 
Wapping said:
Insurance is the new oil.

Once more, in very simple terms:

(a) Premiums for motorcycles are not specific to BMW 1200's any more (or less) than they are specific to an R1 or a wheelbarrow. They are all individual and certainly not that technical.

(b) That one bod who is the the thick end of the upper 40's or low 50's of age with no points and no claims who keeps his bike in a garage pays £177 in the barren north, has little direct or no direct relationship to a pimply feckwhit with 9 points, with no garage, existing in London E4 in social housing who may well pay north of 'kin hundreds (or not).

(c) Forget what some other fecker pays. It will only please or upset you to know.... Get on the bloody phone and negotiate yourself the BEST deal YOU can manage EVERY time the renewal notice drops onto your mat. It really is that simple. Rather like crude oil, insurance is a commodity*. The only slight advantage you have is that you can haggle over the price and terms; a luxury that is not readily available you on the forecourt of BP on a wet Friday evening with 100 miles to go to home.

====

Rather like early mobile phones, all you get is a load of blokes going "Hey mate, guess how small mine is". I am indebted to Sandi Toksvig for that joke.


*It never used to be. 9/11 and the internet changed that, forever. So, that's another thing you can thank (or curse) Osama and Bill Gates for.
Click to expand...

Oh so true you search the net/phone tell the truth :augie
you are insured until you need to make claim then insurance companys look at it again and decide if you are insured or not !!!
if they can get out of it they will its case of buyer beware my 2p worth :augie:augie
 
Was with BMW but Revitt drove me potty when I had someone back into my bike. Tormented by ambulance chasers!

Went to a 6 wheel policy with Carol Nash because it was competitive and got national/european breakdown cover on a car and a bike both out of warranty and over 5 years old!

Worked for me!:thumb2
 
Nippy Normans supply Touratech, Wunderlich, Desert Fox and many other makes of accessories.
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