Insurance time

Message

tommy · #1 Post by **tommy** » Fri Feb 05, 2010 6:08 pm

Whos a happy f*8cker then?
Yep. I am

Just had my insurance quote come through. £200 on a rather modified falco

Thats a third of what it costs me to insure my 1.2 10 year old fiesta

Aladinsaneuk · #2 Post by **Aladinsaneuk** » Fri Feb 05, 2010 6:23 pm

who with?

and age / ncb / points please....

mine is due soon

tommy · #3 Post by **tommy** » Sat Feb 06, 2010 3:44 pm

Company is called
"simply insurance"
http://www.simplyinsurance.uk.com/

23 years old
5 years NCB
Clean licence
Rural Essex

Fully comp £206

Aladinsaneuk · #4 Post by **Aladinsaneuk** » Sat Feb 06, 2010 4:51 pm

and you declared your mods??

(and which ones... most insurance companies get nervous before i have even really started....)

dyzio · #5 Post by **dyzio** » Sat Feb 06, 2010 8:17 pm

Check here:
http://www.thebikeinsurer.co.uk/

Always got the best quote through them.
Last one was £270. 27YO, 3 years license&NCB, bike is much standard though.

tommy · #6 Post by **tommy** » Sun Feb 07, 2010 7:58 pm

Aladinsaneuk wrote:and you declared your mods??

(and which ones... most insurance companies get nervous before i have even really started....)

All mods declared excapt the power commander (Which is still in the kitchen at the moment) Didn't push my premium up because mods are purely cosmetic, but will only replace with standard parts in the event of an accident

moggyvan · #7 Post by **moggyvan** » Mon Feb 08, 2010 9:37 am

Hi Tommy, Please still check carefully through the paperwork as this year i had a nightmare experience with Carole Nash.
Now bearing in mind they insured me last year and ALL mods were declared, this year i decided to renew with them as their quotes were comparable with the other top insurer brands.
I spoke to SEVEN different staff members, each time running through all the mods and every time i was told " we'll have to put this through the underwriters and we'll call you back" (hence the seven calls.) and they never did.
I was called back finally and given a decent quote which was only £10 more than the best quote i'd had (Footman James) so i asked her (Jackie Donohue) to confirm in an e-mail all of the info which she duly did, so i went ahead and bought the insurance.
£275.80 for two motorcycles fully comp with European breakdown cover, Relay, Home start, Roadside assistance, medical assistance, no claims protection, £50K legal protection etc,etc.
Unfortunately it doesn't mean squat when you read through the paperwork and find NONE of the mods have been forwarded on to the insurance company so i wasn't actually fully insured!
They then wanted a further £180 to cover me with another Insurance group- needless to say I went with Footman James......... and checked through all the paperwork. (i'm fully covered for all the mods some of which they say are actually accessories.)
Be warned.
Mick.

D-Rider · #8 Post by **D-Rider** » Mon Feb 08, 2010 10:06 am

Of all the insurers, Carole Gnash should really give themselves a hard look for acting like that.

Which Insurer is at all the shows with a stand FULL of custom and modified machinery? .... sometimes with a "build your own" thing as well. Carole Nash - that's who!

They actively promote customisation and modification ...... so why oh why is anyone having problems with them insuring something that compared to the bikes on their stand, fairly lightly modified.

Might be worth a letter to them demanding that they explain .....

tommy · #9 Post by **tommy** » Mon Feb 08, 2010 1:06 pm

Cheers mick. I think i'll do that to be on the safe side

yellowasp · #10 Post by **yellowasp** » Tue Feb 16, 2010 8:53 pm

tommy wrote:Company is called
"simply insurance"
http://www.simplyinsurance.uk.com/

23 years old
5 years NCB
Clean licence
Rural Essex

Fully comp £206

Feck me just got a quote from these and they want £424 fully comp

44 years old
5 NCB
Clean licence
RoSPA Gold instructor
HGV Driver

Are they pisssed or what. I already have a quote for £117

Jesus , big difference or what

Olig7475 · #11 Post by **Olig7475** » Tue Feb 16, 2010 9:49 pm

Just tried that simply insurance lot, wouldn't even quote me as I had said yes to 'modifications'. They don't even give you the chance to say what they are!

Back to the drawing board.......insurance companies really don't like non-standard bikes, declaring the mods on quotes is killing me, all I've got is end cans, OZ wheels and a belly pan.

tommy · #12 Post by **tommy** » Wed Feb 17, 2010 1:39 pm

Olig7475 wrote:Just tried that simply insurance lot, wouldn't even quote me as I had said yes to 'modifications'. They don't even give you the chance to say what they are!

Back to the drawing board.......insurance companies really don't like non-standard bikes, declaring the mods on quotes is killing me, all I've got is end cans, OZ wheels and a belly pan.

Did you call them or use internet quote. I called them, much easier in my eyes.

Yellow wasp:
Thats a huge difference. Surely can't be right. Mine was £350 quid last year with them.
Im insured with KGM (through Simply Insurance) if thats any help
Im also a butcher - but i cant imagine that making any difference at all

D-Rider · #13 Post by **D-Rider** » Wed Feb 17, 2010 1:45 pm

I guess we're lucky we don't have RSV4s - from the discussion on Club Aprilia, there is only ONE insurer that will cover them (ebike).

mrapriliafalco · #14 Post by **mrapriliafalco** » Wed Feb 17, 2010 8:56 pm

Dont get me started about KGM,total nightmare

Olig7475 · #15 Post by **Olig7475** » Wed Feb 17, 2010 9:24 pm

I'll try giving them a call Tommy, cheers.

I'm really p***ed of with this insurance lark, just to clarify on generally what people declare;

No Brainer;

Cans / exhaust
PCIII
Chip
Oz rims
Re-spray / fairings etc

But what about;

New leavers
New decals (one insurance company had this on their list)
D’bouble screen
Braided lines
Gear / sprocket change

I’m just after some general opinion or guidance, as declaring some /all or a mixture of the above has left me un-insurable it would seem.