Insurance

[DP1400]

You`re right to talk to your insurer directly, it usually makes all the difference.
Personally i`ve read on many occasions that folk are getting super cheap insurance, which we could all do in point of fact. However, if, like me, breakdown cover is essential together with one or two other add-ons, then a 14`s insurance is always going to be 80-odd quid and more, even for us older riders. Cheapest isn`t always the best. Whatever truly suits your own needs is the only way to go. 

[grog]

A fair bit cheaper than here.

[Tally]

All sorted @£82.31,fully comp 13yrs NCD. I was hoping I could get it cheaper but as  the broker said since the new law came into effect all insurance companies are starting on a level playing field, no more new customer discounts a loyal customer must be treated the same as new, prices have to start somewhere so not too bad after all.

[seth]

Who's that with @Tally ?

[Big Geordi]

Am always amazed at what people pay for Insurance and are u always up front because any time i am on a comparison website and mention Modified or changed from Factory the jobs Fucked!!

[Tally]

@seth . I've re-insured with Carole Nash for this year. @big geordi try be-moto as they are more than happy to insure modded bikes.

[seth]

I'm currently with MCE as they cover all mods except turbo's and supercharger .
But I don't know what will happen when renewal comes as MCE looking a bit dodgy going forward .
So will need to start shopping around again. 😱

[Tally]

Just renewed my insurance again,staying with Carole Nash for the princely sum of £113 fully comp. comparison websites could only beat it by a couple of quid so not worth the effort of starting over with someone new. Now up to 14yrs NCD, happy days.

[Daytona]

Done mine today through bikesure,,,£77.60p ,,be moto had gone up considerably so had a swap over,,that's 5* defacto rated as well ..

[Rynglieder]

All this talk has left me most dischuffed.

Last month I had to pay about £435.00 (Bemoto) for a rider policy covering my four bikes.

I did go back to Carole Nash for a comparison quote and that was £100.00 more.

Looking at what you guys are getting I'm wondering if I should be looking to insure them separately. I keep being told that a multi-bike policy saves money, but it's starting to look like I'm being sold a dummy.

The only thing I can think of is that if my garage caught fire and there was a total loss the combined value is £20-25k. Otherwise my licence is almost a virgin and I don't live in a war zone or anything. I do declare a good chunk of milage to cover the trips abroad, 10,000 p.a. across all bikes is 'fessed up to, perhaps that's what is ballooning my premium?

[Mick_J]

I have 5 bike insured with BeMoto who are consistently the best deal for me.  3 Bikes including my 14 are on 1 policy but the other 2 are on individual policy's as that was the best deal at the time and BeMoto took care of it all for me.  As in all years I will shop around once I get my renewal from BeMoto but It wouldn't surprise me if they were not still the best deal.

[Tally]

Bike insured with Carole Nash again £90 all in + fully comp ,17yrs NCB.

[Rynglieder]

This year's renewal came in about £50.00 down from last year but selling on the Z1300 and dropping from four bikes to three may have been a factor.

Still working out at about £125.00 per bike though, so I think I'm still not getting the best deal around.

[Will14]

This year's renewal came in about £50.00 down from last year but selling on the Z1300 and dropping from four bikes to three may have been a factor.

Still working out at about £125.00 per bike though, so I think I'm still not getting the best deal around.

Totally depends on what extra's if any you get with your policy, my experience in the past is that the cheapest polices come without cover for riding gear, accessories etc and quite often have hidden surprises in the small print. One I found last year was that a disc lock needed to be fitted at all times including when parked at home in a secure garage, the policy was null & void if this wasn't upheld, no mention of this on the phone when taking out the policy though!

[Daytona]

Just renewed my 14 insurance again £86 fully comp,protected no claims etc,,that's through mcn compare....