I am 74 3/4 and cant get a quote either on confused,com or comparethemarket.com
Rider (nearly 75) struggling to get insurance for 1300 GS
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not that im getting one anytime soon but confused won't give me a quote either, might not be on all the insurers databases yet
I believe there's a threshold at age 75. I know that the local Suzuki dealership which does bike rental, can't get cover for anyone 75 or over.
FWIW, I just renewed my 2013 LC with BeMoto for £167.59 which went up from last year's £153.35. That with 12 years protected NCD at age 70 years.
However, as I'm sure Wappers will agree, comparisons are odious.
FWIW, I just renewed my 2013 LC with BeMoto for £167.59 which went up from last year's £153.35. That with 12 years protected NCD at age 70 years.
However, as I'm sure Wappers will agree, comparisons are odious.
Hmm…. I’d have done a research into what it would cost me to insure the thing. Pointless spending £23k on a bike that is costing you a decent wedge to insure it. I’d dread to think what it would cost to insure it down south by a 35-40 year old, let alone a 75 year old.
a 40 year old might be a lower risk than 75. Premiums escalate quite a bit once past 70 as they crash more.
Regarding your statement about 70 year old crashing a lot more . I think you are talking out of your A——e .i am 76 ride 8 k a year lead at least 25 ride outs a year incl Europe. I believe i am riding faster and safer now at 76. Than when ii was at 30 years old . i have only one claim in the last 100 k miles . Which was non fault off mine
good for you but your situation is not universal in your age band
Over-70s drivers worst hit by insurance price hikes
Drivers over the age of 70 are being targeted by insurance firms - with many facing price hikes in excess of 50% when they renew their policies.
maybe crash more often was the wrong phrase but older people make bigger claims as they crash more expensively - it does not say specifically in the article but I suspect young drivers are more likely to crash by themselves and don't claim for own damage, whereas older drivers involve 3rd parties due to the SMIDSY effect.
Underwriters don't look at the number of claims but the total cost of claims in an age band when they set premiums.
The thing about "riders over 70 being a greater risk" is utter balls if applied to anyone over 70 but that needs qualifying. Perhaps there's a grain of truth to many drivers over 70 due to things like SMIDSY, and that's more scientifically proven due to eyesight regressing and the extra risk of saccadic eye movements not picking up all traffic approaching junctions, plus extra stiffness resulting in poorer mobility for checking blind spots. Sad fact of life also that as we age our reflexes get slower too but saying all that, there's plenty of people in their 70's who are very fit and able, and good drivers.
Yes, age, plays a part as does postcode, accident history, riding legality history and security. Plenty of riders in my local IAM group over 70 and they're some of the safest riders I know due to experience and training. IF insurers are taking this view across the board (and I'm not so sure it's accurate to suggest that they are) then it's a scam, an excuse, to raise premiums. I was asked for the first time at my last renewal if I had additional driving qualifications and when I questioned why, it wasn't due to accident risk increasing (in my mid 50's) it was because there was a possibility of discounts to IAM/ROSPA members. Not all insurers offer that though.
Severity of accident is secondary as you suggest wessie, to total cost of all claims in each age band but a fit and healthy 70 something with an advanced pass, and clean record should reasonably be judged no greater an insurance risk than anyone else. 30 or 40 something born again bikers riding large capacity sports bikes and weekend warriors are actually the groups where the greatest number of accident claims happen.
Theft is a different matter. Live anywhere near a major city and no-matter who you are, you're likely to pay significantly increased premiums over semi rural post codes.
Personally, I consider the A1 licence route and test the larger scam. It's a pure revenue generating exercise and a way of deterring more from joining us on two wheels structuring it as they have. I may be in a minority here but I'm a firm believer that with today's driving conditions in the UK, the A1 test ought to be the advanced test. It would do far more to prevent accidents than the current pretty poor standard test and educate towards risk and risk mitigation far better. I was recently challenged on this view and my question back was this..."if a biker is approaching a junction to his or her side, and could reasonably expect a car to pull out and fails to slow and plan for the hazard, and someone then does pull out and they hit them, legal fault may be with the car pulling out but one can argue that the biker should reasonably have expected this and planned accordingly." It's just one example of many. Riding standards need to improve as much as car driving standards.
Yes, age, plays a part as does postcode, accident history, riding legality history and security. Plenty of riders in my local IAM group over 70 and they're some of the safest riders I know due to experience and training. IF insurers are taking this view across the board (and I'm not so sure it's accurate to suggest that they are) then it's a scam, an excuse, to raise premiums. I was asked for the first time at my last renewal if I had additional driving qualifications and when I questioned why, it wasn't due to accident risk increasing (in my mid 50's) it was because there was a possibility of discounts to IAM/ROSPA members. Not all insurers offer that though.
Severity of accident is secondary as you suggest wessie, to total cost of all claims in each age band but a fit and healthy 70 something with an advanced pass, and clean record should reasonably be judged no greater an insurance risk than anyone else. 30 or 40 something born again bikers riding large capacity sports bikes and weekend warriors are actually the groups where the greatest number of accident claims happen.
Theft is a different matter. Live anywhere near a major city and no-matter who you are, you're likely to pay significantly increased premiums over semi rural post codes.
Personally, I consider the A1 licence route and test the larger scam. It's a pure revenue generating exercise and a way of deterring more from joining us on two wheels structuring it as they have. I may be in a minority here but I'm a firm believer that with today's driving conditions in the UK, the A1 test ought to be the advanced test. It would do far more to prevent accidents than the current pretty poor standard test and educate towards risk and risk mitigation far better. I was recently challenged on this view and my question back was this..."if a biker is approaching a junction to his or her side, and could reasonably expect a car to pull out and fails to slow and plan for the hazard, and someone then does pull out and they hit them, legal fault may be with the car pulling out but one can argue that the biker should reasonably have expected this and planned accordingly." It's just one example of many. Riding standards need to improve as much as car driving standards.
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Insurance companies like banks…Robbing thieving scum ! I think here is were in the interest of the common good we should one entity where there is only as much interest or premiums paid to take care of running the business instead of feeding a few already very fat cats…And of course thieves should be treated the same way as they treat the bikes they disassemble in order to make a living selling parts ! Looking at the prices for bikes tires petrol insurance I am not surprised that there is not much fresh blood joining the ranks of the great sport/hobby of motorcycle riding…
one swallow does not make a summer.
Plenty of doddery old 70 year olds about, who shouldnt be riding.
Plenty of people regardless of age who shouldn't be riding.
agreed.
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