Motorrad insurance

[gspod]

Hi
I’ve been with Motorrad insurance for 25 years and, obviously, the price has crept up over the years but my quote this year is over £130 more than last year - it was £211 so that’s a massive percentage jump.
Is this the norm for 2025? - just wondering what experience others have had lately before I ring them.
Thanks

 

[wessie]

Multiple posts here along similar lines since Devitt lost the contract and Atlanta, the parent of Carole Nash & Swinton took over.

 

[casbar]

Hi
I’ve been with Motorrad insurance for 25 years and, obviously, the price has crept up over the years but my quote this year is over £130 more than last year - it was £211 so that’s a massive percentage jump.
Is this the norm for 2025? - just wondering what experience others have had lately before I ring them.
Thanks

My 1250RT insurance with Bikesure, went down. So this year it's £99. Last year it was £140. So renewed with them again (Aviva)

 

[Andyb1375]

I have been insured with Motorrad and this year the premium basically stayed the same and the benefits increased i.e Helmet and clothing added for free plus no voluntary excess and only £200 compulsory

 

[gspod]

I ended up with a Motorcycle Direct policy with all the extras for less than half the Motorrad quote.

 

[Tazs]

Just had my renewal advice from BMW. £206 (2024) is now £309. Ridiculous. Time to search around.

 

[Tazs]

Followed Casbar's lead and checked Bikesure. They quote £185 (£200 voluntary excess and £500 compulsory) through Ageas. I think they will be getting my business.

 

[Tazs]

I've insured my bike with Bikesure, however in doing so I discovered a disturbing fact (which also applied to the BMW Motorrad policy). If you state that your bike will be stored in your garage when at your home address, the bike is NOT insured if you park it on your drive. I queried this and asked what would happen if I rode home, parked the bike for a moment on the drive while I went into my house to get the garage keys and returned to find that the bike had been stolen - the reply was that the bike would not have been insured for the theft.

So, if like me, you wash your bike on the driveway, it is not insured as it is not in the garage.

Of course this does not apply if you have paid the added premium and stated that your bike is parked on your drive. But still, it sounds nonsense to me.

 

[wessie]

I've insured my bike with Bikesure, however in doing so I discovered a disturbing fact (which also applied to the BMW Motorrad policy). If you state that your bike will be stored in your garage when at your home address, the bike is NOT insured if you park it on your drive. I queried this and asked what would happen if I rode home, parked the bike for a moment on the drive while I went into my house to get the garage keys and returned to find that the bike had been stolen - the reply was that the bike would not have been insured for the theft.

So, if like me, you wash your bike on the driveway, it is not insured as it is not in the garage.

Of course this does not apply if you have paid the added premium and stated that your bike is parked on your drive. But still, it sounds nonsense to me.

Does this apply in the daytime? Previous policies I had had this endorsement during specific hours such as 2200 to 0700.

 

[Easy_Rider]

38 - Increased Theft Excess - Bike 1

We will not pay for a further £250 of any claim under Section 1 for loss of or damage following theft or attempted theft, where the theft or attempted theft
occurs between the hours of 22.00 & 06.00 hours where the motorcycle is in the proximity of

i) your private Dwelling house
or
ii) any other address where the motorcycle is normally garaged and which has been agreed by the company and at the time of such occurrence the
motorcycle was not in a locked garage.

 

[casbar]

I've insured my bike with Bikesure, however in doing so I discovered a disturbing fact (which also applied to the BMW Motorrad policy). If you state that your bike will be stored in your garage when at your home address, the bike is NOT insured if you park it on your drive. I queried this and asked what would happen if I rode home, parked the bike for a moment on the drive while I went into my house to get the garage keys and returned to find that the bike had been stolen - the reply was that the bike would not have been insured for the theft.

So, if like me, you wash your bike on the driveway, it is not insured as it is not in the garage.

Of course this does not apply if you have paid the added premium and stated that your bike is parked on your drive. But still, it sounds nonsense to me.

There have been garage restrictions on most policies for years, some are within 500 metres of your house, some cover you during the day, some not. I was with IAM Surety underwritten with Ageas, they had the wording the bike was not covered if not in your garage or within 500 metres of your dwelling. I then discovered that Ageas themselves did not have the same policy, so this goes back to brokers buying a product from an underwriter and imposing their own restrictions.

I asked what would happen if I was filling the bike up at a garage which was 300 metres from my home, they said, they would look at every individual circumstance - yeh right !

 

[Wapping]

where the motorcycle is in the proximity of

Post Covid and the raft of millions of pounds of ‘non-damage’ claims that followed, the courts have declared the words ‘In the proximity of….’ and the like, to be meaningless and unenforceable.

Consumer legislation and / or other laws, are there to protect the man on the Clapham omnibus. Any restriction, warranty or pre-condition has to be seen as reasonable in order to be enforceable. Just be sensible and all will be well.

What does ‘sensible’ mean?

A. Wash your motorcycle on the drive, just like any normal person would.

B. Don’t leave your motorcycle on your drive when you have finished drying and pampering it, whilst you “Just nip indoors for a minute” which in reality turns into two or more hours whilst you have a dump, eat scran, sup brew, kip, pat the dog, scratch your bollocks and watch the qualification for British Superbikes.

C. Fill your motorcycle at the petrol station near your house, pay for the fuel and ride off, just like any normal person would.

D. Don’t park / abandon your motorcycle at the petrol station near your house, unless you are really forced to; if (for instance) it suffers a breakdown at that moment. Quite why you’d otherwise abandon / park your bike at the petrol station near your house is a mystery.

Above all, don’t engage with the chimps in the call centre, dreaming up scenarios….. unless you are as bored / brain dead as they are.

 

[gspod]

Lucky he’s retired

 

[andysdad]

Just had my Motorrad renewal quote.

Last year £231.26, this year £447.32.

No changes, both bikes and me bot a year older, less valuable!

Off to find a new quote.

 

[Santa-2512]

Count yourself lucky, because mine is a Tu.

It don't appear on any databases, so one one one quotes it is, £350 average for me

 

[andysdad]

Update - went with Principal Insurance. Total £185.91 inc legal cover, with Aviva.

Got separate quotes via MoneySuperMarket, total c.£240. Rang Principal and got Multi-bike deal, saved c£55.

They regard one bike (whichever is the more expensive one) as "Main", so may be complex if I sell that and keep "non-main" one....so I'll have to keep both!