Insurance time again

Message

randomsquid · #1 Post by **randomsquid** » Sun Apr 08, 2012 2:40 pm

Two bikes, both modified, dodgy postcode, no garage, fully comp, breakdown cover and whatever else I could wangle.

Bennetts comedy renewal 680 up from 430. Best offer was 511 after phoning.

Bike Devil (MCE) 417 for fully comp with RAC (not sure of level), gear, legal and limited time foreign cover. Interesting thing is they claim to offer zero excess. How that would work if you had to claim I don't know. Might be worth a try if you're due.

fatboy · #2 Post by **fatboy** » Sun Apr 08, 2012 8:43 pm

Sqiud, how modded are the bikes ? Would it be wiser to be erm with info offered ?
I recently lost over 20 yrs NCB after a dispute with DVLA and me not riding for 18 months,quotes cam in at £500 TPO,now quotes £230 ish TPFT inc mods (only bungs/ end cans)
Can you you use a safer postcode ?
£417 for 2 bikes dont sound too bad, read small print and remember you have 14 day cancellation optipn

Willopotomas · #3 Post by **Willopotomas** » Sun Apr 08, 2012 8:58 pm

The dark world of insurance company bollocks.

I still use Carole Nash as they return the cheapest quote every year. For some, Carole Nash is one of the highest quotes they get. Every year I spend about a week negotiating with them and others to get the price down. Works.

flatlander · #4 Post by **flatlander** » Sun Apr 08, 2012 10:43 pm

I have used the comparison sites for cars and bikes and usually just call the existing co for the bike and hassle them for a reduction. They usually oblige to within 20-30 of the "lowest like for like" quote that I made up :)
Well starting from the premise they are overcharging anyway :)

blinkey501 · #5 Post by **blinkey501** » Mon Apr 09, 2012 8:19 am

346 quid for 2 falco's fully comp.
I pay 296 for one falco and then later on in the year i pay 50 has an additional bike.
This was the same cost with a falco and the fazer.
I declared the mods on the falco..

randomsquid · #6 Post by **randomsquid** » Mon Apr 09, 2012 11:49 am

Willopotomas wrote: For some, Carole Nash is one of the highest quotes they get. Every year I spend about a week negotiating with them and others to get the price down. Works.

I've had no luck with Carole Nash, they're always about a third higher than my best quote. Something about me they don't like.

After phoning about I'd settled on 400 quid. I wanted to try this protected excess thing and after haggling and being punted up the line a step I got 417, so I'm happy enough.

randomsquid · #7 Post by **randomsquid** » Mon Apr 09, 2012 12:00 pm

fatboy wrote:Sqiud, how modded are the bikes ? Would it be wiser to be erm with info offered ?
I recently lost over 20 yrs NCB after a dispute with DVLA and me not riding for 18 months,quotes cam in at £500 TPO,now quotes £230 ish TPFT inc mods (only bungs/ end cans)

Falco - bungs, cans, rearsets, suspension & luggage.
ER6 - bars, air filter & luggage.

I declare everything and read everything twice, not that I don't trust them.

On the cancelling withing 14 days thing, I've tried this before and they wanted 30 quid admin plus the cost of a months cover.

Commiserations on the DVLA thing, I've been refused cover before for missing a few toes. It's not like they actually serve any purpose on a bloody bike.

BikerGran · #8 Post by **BikerGran** » Mon Apr 09, 2012 1:20 pm

randomsquid wrote: I've been refused cover before for missing a few toes. .

That's actually illegal - they are discriminating against you on the basis of a disability, breaking the anti-discrimination laws.

fatboy · #9 Post by **fatboy** » Mon Apr 09, 2012 4:07 pm

Good point BG !
Better off declaring any mods,we all know those cheeky little insurance chappies just love having a reason to not honour your claim
(dont get me started on 4 years of premiums on my dog to have my claim dis honoured cos I once had his ears cleaned out by a vet/ failed to disclose information blah blah)

randomsquid · #10 Post by **randomsquid** » Mon Apr 09, 2012 10:44 pm

BikerGran wrote:
randomsquid wrote: I've been refused cover before for missing a few toes. .
That's actually illegal - they are discriminating against you on the basis of a disability, breaking the anti-discrimination laws.

I thought that at the time though it was a while ago and I'm not sure how the law stood then. I crossed the road to Swintons and got the same cover from the same insurer without any problems.