Really need help with insurance quotes UK

dudgeman

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Hi I had my GSA stolen from a work carpark in Oct ..totally professional job ..2 on a black scooter ..no plate..etc etc. I'm 58 been on bikes full time since I was 17. Insurance just paid out. And so it begins. My renewal on my 1250 was £210 FC with commuting, AV mileage 5000 per year at the mo. I have full NCD, no convictions..boring job ( insurance wise) . I have looked at replacing like got like but it's way more cost effective for me to upgrade to a 1300 GSA... So there is a £3k up step in value...everything else stays the same. My cheapest quote so far is about £590 with £400 total excess...

Is this right? WTF is going on here...nothing in my life has changed apart from two POS stealing my bike ( clearly to order) ..the next lowest quote I got was £1200... This is insane.

Can anyone recommend a decent insurer that will either underwrite me or my bike sensibly? Bennett's online quote was £4235.00 .... I mean what the hell is that about? Is the 1300 a theft/crash risk over the 1250? I've done quotes on the 1250 with the theft Inc and they are still around £190-£250

Please help me out here, if only so I can understand. Cheers.
 
Value of the 1300 is the reason.
 
Value of the Bike & it is a higher insurance group than the 1250 too, will be the ultimate factors - considering your 1250 quotes are still the same.....
 
Value of the bike - in the first year they replace with a new one so the cost to insure will go down after 12 months when it is market value not replacement.
Swindon is a renowned shit hole for theft like anywhere else in the M4 corridor and you have had a claim
The R1300GSA is a relatively new model so insurers have little data on it so hedge prices upwards until they are sure of its true underwriting risk.
I believe the regular R1300GS suffered the same in its first year but prices have stabilised a bit lower.

Get off the websites and ring real brokers. You have a chance someone will haggle e.g. if they are close to meeting an end of month or quarter bonus with a particular underwriter. Devitt, Bikesure, Howden.
 
Maybe down to value ? ,mine jumped up from a H2SXSE kawa to the r1300gs, both expensive bikes.
Bennets seemed the best for me at the time, good luck
 
As others have said, your pre and post claim quotes on the 1250 are similar, so the hike is down to the 1300 being more risky for the insurer. Many insurers also load if you have owned the bike less than a year and more so if it is brand new.
 
Bikesure are good with high value bikes, they sorted me on a £25k Harley without too much pain…
 
I know it’s not much help, but first year I insured a 1250GS they wanted £1200. Cheapest I could get it was £1034. Madness.

Advanced rider
10 years riding experience
7 years NCB

Highly desirable and often getting nicked!!
 
A key word here is “renewal”, Thats keeping you in the fold no changes. Now you are now new business, and asking about a more expensive bike. I had exactly the same on a lowly 310cc scooter earlier this year. Devitt wanted 3x the premium of my old 300 as my new scooter is a special edition, so loaded.
 
dudgeman said:
My cheapest quote so far is about £590 with £400 total excess...
Click to expand...
Given that you’ve just had an unfortunate claim, and coupled to the cost of the 1300 and your postcode - I don’t think that’s a bad premium nor excess on a new machine.
The “protected” element is misleading, in the extreme; I was loaded when I made a windscreen claim on my car last year even though the windscreen was covered as a no-fault claim. It’s all bollocks and shite.
 
Cheers for all your input. The upstep in value makes sense as to the increase a bit. However I went from RT1200 to GSa1200 and then to 1250 Gsa and the up step in premium was barely noticeable..they were all three year old to brand new..... I thought somewhere around £350-400 would be in the ball park but I have been side swiped by the extra increase.... The amount of excess some of them want is ridiculous.... Having just haggled my way through the claim process I am super glad my excess was relatively small.

I have to say I am not impressed at all that I am getting penalised on my premiums due to a no fault claim.... If insurance was optional then fair enough but to have extra cost on something that is a legality has got to be the height of taking the piss.... Worlds gone mad.

I'll Definitely try a broker... The internet is just a scam and the comparison sites seem to mostly use the same software and algorithms.

Suggestions for brokers would be good if none has a recommendation.

I know Swindon is not good but we actually live about 10 miles outside so our car premiums are all pretty low.
 
dudgeman said:
Hi I had my GSA stolen from a work carpark in Oct ..totally professional job ..2 on a black scooter ..no plate..etc etc. I'm 58 been on bikes full time since I was 17. Insurance just paid out. And so it begins. My renewal on my 1250 was £210 FC with commuting, AV mileage 5000 per year at the mo. I have full NCD, no convictions..boring job ( insurance wise) . I have looked at replacing like got like but it's way more cost effective for me to upgrade to a 1300 GSA... So there is a £3k up step in value...everything else stays the same. My cheapest quote so far is about £590 with £400 total excess...

Is this right? WTF is going on here...nothing in my life has changed apart from two POS stealing my bike ( clearly to order) ..the next lowest quote I got was £1200... This is insane.

Can anyone recommend a decent insurer that will either underwrite me or my bike sensibly? Bennett's online quote was £4235.00 .... I mean what the hell is that about? Is the 1300 a theft/crash risk over the 1250? I've done quotes on the 1250 with the theft Inc and they are still around £190-£250

Please help me out here, if only so I can understand. Cheers.
Click to expand...
I simply cannot get a single insurance quote for a 1300. I'll have to wait until I downsize and move out of the smoke.
 
Buy or borrow a copy of MCN or some other bike centric magazine and start calling every broker listed on their pages. That will probably be more productive than Fred in sleepy Dorset (who hasn’t had a total loss claim in the last two months) telling you he pays 50p.

I have to say I am not impressed at all that I am getting penalised on my premiums due to a no fault claim
Click to expand...

It’s the modern world. It’s always somebody else’s fault. Starting at the most basic, it was certainly not your insurer’s ‘fault’ your motorcycle was stolen and a total loss ensued. Though it was not their ‘fault’, your insurer paid you out, less the modest excess, as they are contractually obliged to do. Armed with the money received, you now fancy a 1300 GSA as a replacement.

Put simply, unless you start ringing around, it’s probably going to cost you. Even then, it might well still cost you. If the terms you receive are not (in your opinion) equitable, shelve the 1300 GSA idea (seemingly, saving £3,000 of additional cost at a stroke) and buy the lesser bike. Or, if you must have the 1300 GSA, just comfort yourself that your old premium was a tip-top bargain and you’d received (just recently) a probably not insignificant sum in the total loss claim payment.

PS Third partly liability insurance is indeed compulsory by law. For a very good but very simple reason. If you balk at a premium, think how much you’ll balk at a claim of maybe thousands and very possibly more. “Sorry mate, I ain’t got the money” probably won’t cut it.
 
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I'd bear in mind that (presumably) you've been happy with your current insurer and its payout for the stolen bike.....don't jump straight at the cheapest quote...I'd imagine that the moan on here for a shit or non payout due to a technicality by a cheapo insurer would cause far more of a rant than paying a few hundfred quid more at renewal.
If you liked the 1250..why not simply replace like for like (or at least for an insurance quote..then you'll know that it's down to the 1300GSA rather than solely a claim)
 
Davey B said:
If you liked the 1250..why not simply replace like for like….
Click to expand...

The siren call of the 1300 GSA is strong.

He just needs to find an insurer, post a very recent total loss claim (“It weren’t my fault, mate”) that is as cheap as his old one. Job done.
 
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