uk insurance!

[Mister Fishfinger]

I didn't have any no claims bonus because my previous policies were for classic bikes. Apparently with classic bikes you don't build up any NCB.

Anyway Bennetts were much cheaper for me - about £210 for a 53-year old rider, standard K5 model, garaged overnight. Carole Nash was more than double that. Go figure.

[Big Geordi]

Carol Nash must have changed its Policy as previously if u mentioned any tuning upgrades they baulked!!
Have used Bikesure for the last 7 years I think its about £260 Guaranteed value £7000 relay etc etc

[wigwham]

Hastings for me my 14, plus a V Strom 650 fully comp multi bike policy £242.

Must be my age just past the 60 mark less chance of me pulling a wheelie (I wish)

regards

wigwham

[gsxbarmy]

Do remember that the price of insurance changes with the area you live in, so for 2 identical bikes in different areas the prices will vary. So 7nless you are comparing like for like in mods and area you live in, the differences we all pay in insurance prices are largely irrelevant.

It also depends on WHAT the company do and don't want to insure for that area. As a "for instance" on my previous car (Audi S3) the premium jumped by 400% in my last year of ownership and when I queried it, was to,d that basically the company I was insured with "had changed its policies to focus on standard 1600cc max cars with less than 150 bhp" anything else had had the price hiked, so rather than refuse you insurance - which they couldn't do to existing policy holders for no valid reason - they hiked the price.

So it all depends on mods, area and insurance company policy, tempered by any personal "issues" like points on licence, age etc. Plus of course what excess you may or may not want to pay.

Frankly I tend more to look for what the service would be like in the event of an accident or loss. Alsolook at policy wording, esp if you have mods, as many will "only fit OEM" parts in the event of repair. So if you have an Akra (say) and it gets damaged, you may get a standard bazooka under their repair policy. Likewise if you have topboxes and/or panniers fitted, they may or may not be covered. Which is why Carole Nash ask for specific details and photos of any modified machines.

Always read the small print. If you have declared mods then make sure they appear on your certificate or the company acknowledges them. It's no good finding out after a loss or damage that what you thought was insured wasn't and that you are only covered for standard oem items in the event of repair or loss.

[Rynglieder]

In 2006 I paid Carol Nash about £300.00 for the Z13, GSX14 and Z1000. Having added a new GTR to the fleet I sat waiting for my renewal to come in at about £450.00 - needless to say I nearly fell out of my chair when it arrived at nearer £650.00.

I picked up the phone to them just in case they had accidentally typed in their phone number where the premium should be printed. Long story short, I pointed out that I could get a stand alone policy on the GTR for less than £200.00 with other insurers and then magically my renewal premium was revised to £525.00. I still think it is a bit heavy, but at the time I was less than 24 hours from putting a bike on a ferry and it did not seem the right moment to strut off in a huff.

Next year may be a different story though.

Pete.

[Del]

quandary over ended up with Carole Nash - the 1400 & the Bandit 1200 - fully comp all mods - protected NCB - only £156.00 - a lot better than ebike who wanted double that - cheers for the help chaps much appreciated

thats it for another year