Really need help with insurance quotes UK
- Thread starter dudgeman
- Start date
TBH I don't think the increase is outlandish beings you've just had a total loss and are now looking to replace it with a brand new very expensive 1300GSA, which will probably be even more tempting to thieves. Even with protected NCD you're premium is still likely to go up as you're now an increased risk to your insurer, this happened to SWMBO when she had a no fault accident when someone reversed into her while she was stationary that she caught on dashcam. What security did you have on it? If little or non maybe look to increase that to help minimise it happening again. As has been said a new bike will generally get replaced in the 1st year if it's a total loss which in itself will increase the premium, which generally goes down qquite a bit on renewal,all 4 of mine have. Again as has been said if you're not happy with the quotes try ringing some brokers up, assuming you've tried bike specific comparison comparison sites like the bike insurer? Good luck
Do not buy a 1300 or any modern high risk Adventure bike , buy an old sh*tter for commuting and run it for 12 months or more to get the loadings down from your policy.
Something like an old Honda Deauville that no scrote would want to steal but is a superb commuter bike
The increase in premium is not only due a theft claim ( even if you have protected ncd ), the insurance industry now identify you as a greater risk to insure ,same as if you had a no fault accident .
Something like an old Honda Deauville that no scrote would want to steal but is a superb commuter bike
The increase in premium is not only due a theft claim ( even if you have protected ncd ), the insurance industry now identify you as a greater risk to insure ,same as if you had a no fault accident .
You haven't had a no fault claim! A no fault claim is one where a third party pays the claim. In your case, your insurance is paying the claim. As for no claims, matters not a jot, all it means is they will take into account your no claims, but can still load the policy before any no claims discount/allowance.
Also the insurance company know your going to be parking your new bike every day, in exactly the same place you parked your bike that got nicked.
Your now classed as high risk.
Insurance increase apart.
At work I would double up on your security and park as close to the door/window as you can.
an alarm and tracker would be a good idea too.
At my old place my boss let me go in on a Saturday morning and fit a ground anchor.
You know the type, drill a deep hole and squirt in the resin/cement they supply and drop in anchor.
Took me 5 minutes and I used it every day for 7 years until I left. (its still there... hope someone is making use of it)
my bike was hidden from view from the road and under an office window.
Your now classed as high risk.
Insurance increase apart.
At work I would double up on your security and park as close to the door/window as you can.
an alarm and tracker would be a good idea too.
At my old place my boss let me go in on a Saturday morning and fit a ground anchor.
You know the type, drill a deep hole and squirt in the resin/cement they supply and drop in anchor.
Took me 5 minutes and I used it every day for 7 years until I left. (its still there... hope someone is making use of it)
my bike was hidden from view from the road and under an office window.
A lot of bods on this forum, tell us they’d never want their ‘baby’ back, after it’s recovered. They see it as a defilement. God only knows what they’d be like with a real baby.
PS. OP, if you are going down the tracker route (which your insurer might now insist on) fit a decent quality one….. and don’t skimp on the pound of butter in your fridge.
PPS. As you are seemingly using the bike to ride to and from work, don’t forget to include commuting.
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Or just buy the cheapest shitter you can find and leave it parked up to earn NCB.
And what is he meant to use to go to work for the year? His feet?
As I understand it, the post total loss increase is, £380 and a higher excess.
The higher excess shouldn’t bother him too much, after all it’s the first time he’s made a claim…. And he knows it wasn’t his fault anyway. So, despite claims being (by their nature) sudden and unforeseen, it can’t happened again, surely?
The £380 is what? A bit over a pound a day extra, for the joy of riding a 1300 GSA and enjoying a £3,000 jump in quality. Haggle four hundred quid off the 1300 GSA….. and / or get on the phone.
The higher excess shouldn’t bother him too much, after all it’s the first time he’s made a claim…. And he knows it wasn’t his fault anyway. So, despite claims being (by their nature) sudden and unforeseen, it can’t happened again, surely?
The £380 is what? A bit over a pound a day extra, for the joy of riding a 1300 GSA and enjoying a £3,000 jump in quality. Haggle four hundred quid off the 1300 GSA….. and / or get on the phone.
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Eat them, probably.
I know you want a GSA 1300, but do you really need it? You could always consider something like this. Great bikes in so many ways. You could probably haggle the price down too at this time of year.
Well that’s the thing innit.
People want the latest shiniest bikes which are a magnet to thieves. Obviously insurance companies know this and need to cover their arses. Having to replace someone’s shiny new 1300 GSA that was left on the side of the road or in a hotel car park isn’t being covered by the premium so they’re taking a huge gamble.
I’m certainly not defending insurance companies in the slightest but look at it from their side of things.
Buying the latest and greatest bike isn’t always the best idea is it!
Something like the bike Malcvtr suggests is ideal in my opinion but I’m not needing / wanting the newest bike out.
People want the latest shiniest bikes which are a magnet to thieves. Obviously insurance companies know this and need to cover their arses. Having to replace someone’s shiny new 1300 GSA that was left on the side of the road or in a hotel car park isn’t being covered by the premium so they’re taking a huge gamble.
I’m certainly not defending insurance companies in the slightest but look at it from their side of things.
Buying the latest and greatest bike isn’t always the best idea is it!
Something like the bike Malcvtr suggests is ideal in my opinion but I’m not needing / wanting the newest bike out.
Thing is if he has had one GSA stolen from a location the thieves know that chances are the bike will be replaced like for like and keep on checking back to see if it's shiny new replacemennt has arrived ready to be stolen.
Main reason to either change parking at work to a more secure location and if that is not possible buy a bike that is less desirable to thieves
Main reason to either change parking at work to a more secure location and if that is not possible buy a bike that is less desirable to thieves
The thing is….
His updated offer is maybe not so bad for:
A. An expensive 1300 GSA
B. Used for commuting
C. A month or two after a (presumably) costly total loss due to theft…. Not my fault, or not
D. Living reasonably close to the cesspit of Swindon (second only to Walsall on the bikermate scale of shit’oles)
The other thing is…..
His only gripe is that his premium / excess has gone up and he really wants the 1300 GSA.
He’ll know for sure when he’s spent time on the phone. Time is money, literally.
His updated offer is maybe not so bad for:
A. An expensive 1300 GSA
B. Used for commuting
C. A month or two after a (presumably) costly total loss due to theft…. Not my fault, or not
D. Living reasonably close to the cesspit of Swindon (second only to Walsall on the bikermate scale of shit’oles)
The other thing is…..
His only gripe is that his premium / excess has gone up and he really wants the 1300 GSA.
He’ll know for sure when he’s spent time on the phone. Time is money, literally.
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Whilst I find it s annoying that scrotes steal stuff and it's not fair that you feel you can't have something nice without attracting the scrotes out of the wood work again, I would suggest ringing BMW's own insurance scheme.
When I started out with my R1200GS a week after doing direct access, no insurance company was being even remotely sensible, but for that first year or two, BMW made it affordable.
When I started out with my R1200GS a week after doing direct access, no insurance company was being even remotely sensible, but for that first year or two, BMW made it affordable.
different broker operating the scheme now. No longer Devitt but one of those Markerstudy operations, and anecdotal evidence has been that they have not always liked a combination of R1300 and some postcodes
This may be the wrong time to say this, but BMW insurance was the only time I came out on top of an insurance deal. I rang BMW and the renewal was getting less favourable once I'd got a bit of NCD showing, and the person gave me an alternative quote. Now, I had no idea that Devitts ran BMW insurance and I had no idea they shouldn't have given me another quote over that line. When I rang BMW back and gave the alternative reference number I caused a bit of concern in their office. A manager had to be called and I said that I didn't want to pay the BMW amount, so asked what number I should ring back on.
The manager said that he didn't want to loose me as a BMW customer even if it was to the 'other arm' who I still didn't know who that was. They said they would log me as a BMW customer, I would pay the alternative price and they would make up the difference. I was happy, they seemed happy, so that was that. Fast forward a couple of months and my circumstances changed, and I had to sell the GS. Once I was no longer the owner, I rang up to cancel and explained that I didn't have a motorbike anymore so they said there would be a fee for cancelling and they would refund me the difference... Which was based on the original quote, so I got more back than I actually paid
This may be the wrong time to say this, but BMW insurance was the only time I came out on top of an insurance deal. I rang BMW and the renewal was getting less favourable once I'd got a bit of NCD showing, and the person gave me an alternative quote. Now, I had no idea that Devitts ran BMW insurance and I had no idea they shouldn't have given me another quote over that line. When I rang BMW back and gave the alternative reference number I caused a bit of concern in their office. A manager had to be called and I said that I didn't want to pay the BMW amount, so asked what number I should ring back on.
The manager said that he didn't want to loose me as a BMW customer even if it was to the 'other arm' who I still didn't know who that was. They said they would log me as a BMW customer, I would pay the alternative price and they would make up the difference. I was happy, they seemed happy, so that was that. Fast forward a couple of months and my circumstances changed, and I had to sell the GS. Once I was no longer the owner, I rang up to cancel and explained that I didn't have a motorbike anymore so they said there would be a fee for cancelling and they would refund me the difference... Which was based on the original quote, so I got more back than I actually paid
Devitt is owned by Gallagher, a massive US corporation part of the S&P 500 with a $12 billion turnover. J Patrick Gallagher, CEO, has tracked this admission and is issuing a writ forthwith.
I’d lock your thread now.
The forum cocks have taken over with their worldly experience.
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