Insurance time

Message

D-Rider · #16 Post by **D-Rider** » Wed Feb 17, 2010 10:13 pm

I declare everything - and once I've agreed things verbally I send them a list.
Usual thing is they won't replace mods directly - just replace with standard parts - but as standard parts cost more than what I'll have paid for pre-owned OZ, Ohlins or whatever, I'm not bothered.

That said, having thought about it, I probably haven't bothered to mention the tank pad and a few decals.
The other thing I do is add a note as to why things have been added ... usually things relating to improved handling etc for safety or to improve the smoothness of the engine to improve rideability (gearing changes and PCIII etc).
So far, nothing has been in a quest for outright power - which is true.

Not saying that it may not have improved that too - I really don't know - it certainly has not been what I've been trying to improve.

Olig7475 · #17 Post by **Olig7475** » Wed Feb 17, 2010 11:32 pm

who do you insure with Andy?

Aladinsaneuk · #18 Post by **Aladinsaneuk** » Thu Feb 18, 2010 8:18 am

Think he qualifies for Saga.....

D-Rider · #19 Post by **D-Rider** » Thu Feb 18, 2010 9:58 am

Olig7475 wrote:who do you insure with Andy?

MCE .... though I'm not over-happy with them ......
Once my accident stuff is sorted I'll be looking around elsewhere.

Aladinsaneuk wrote:Think he qualifies for Saga.....

They don't do bike insurance at the moment (though they are talking about it).
My Saga car insurance renewal has just come through and I've worked out that the premium before any discounts has risen 23% this year - that is really taking the p**s. I'll be asking for a clear explanation of why that's the case and looking elsewhere too.

willmoir · #20 Post by **willmoir** » Thu Feb 18, 2010 6:30 pm

just renewed my insurance with www.directchoice.com £84 fully comp 49 yr old 4yrs no claims living in aberdeen mods declared (cans,mille swingarm/white shock,hugger,bellypan)

Samray · #21 Post by **Samray** » Thu Feb 18, 2010 6:34 pm

It seems as much of a lottery as ever.

DavShill · #22 Post by **DavShill** » Thu Feb 18, 2010 7:38 pm

I'm with ebike and my renewal arrived today.... £140 fully comp. All mods declared and noted on the docs.

Olig7475 · #23 Post by **Olig7475** » Mon Feb 22, 2010 1:20 pm

So mce came to my insurance rescue.....£280 FComp with national breakdown recovery & personal injury included, for a 34yr old with 1yr no claims, full bike license for a year and 6 points living in Nottingham (bike kept on drive). Also their policy on mods is good in so far as it doesn't effect the quote as they don't replace them or the cost of them if the bike is damaged / stolen they just replace 'as standard'.

At least I'm back on the road and not too much poorer.

joecrx · #24 Post by **joecrx** » Mon Feb 22, 2010 6:03 pm

erm ,,,, is paniers and roll bag an extra too ? iv never told my insurers, not that i have them on to often

do you get a discount for crash bungs to help save your bike on a lowside ?

moggyvan · #25 Post by **moggyvan** » Tue Feb 23, 2010 4:47 pm

joecrx wrote:erm ,,,, is paniers and roll bag an extra too ? iv never told my insurers, not that i have them on to often

do you get a discount for crash bungs to help save your bike on a lowside ?

They are classed as accesories- the insurers i've dealt with over the years do not load any extra premiums for them.
Ive never been quoted less for having crash bungs either, but there is a school of thought that in a particular accident they may do more harm than good- i.e possibly ripping /damaging the frame/engine casing where fitted.
(I hope I'm not involved in that particular accident!)

Aladinsaneuk · #26 Post by **Aladinsaneuk** » Wed Feb 24, 2010 8:44 am

4 years ncb

declared all mods
(and that includes power commander, renegade airbox and exhausts etc)

£171 fully comp

FlyingKiwi · #27 Post by **FlyingKiwi** » Tue Mar 09, 2010 10:05 am

just had a renewal through.
eBike
fully comp
6yr no claim (protected)
44 yr old
all mods decl.
legal cover (I know T,C )
breakdown cover
1 accident in 5 yrs.
no convictions
1 mate on policy (yes I have 1 mate

)
bike garaged
£180.00

Samray · #28 Post by **Samray** » Tue Mar 09, 2010 10:36 am

FlyingKiwi wrote:just had a renewal through.
eBike
fully comp
6yr no claim (protected)
44 yr old
all mods decl.
legal cover (I know T,C )
breakdown cover
helmet and leather cover
1 accident in 5 yrs.
no convictions
1 mate on policy (yes I have 1 mate )
bike garaged
£180.00

Best you go out and buy a lotto ticket too.