Insurance

[EasyRider]

So I needed to sort insurance out on the RT.
I had to start a new insurance with 0 NCD.
I went with performance direct (Aviva) using compare the market websit.
When i got my quotes i did go for the cheapest at £158 fully comp.
I always double check the info is right when i'm transferred between websites.
I found a couple of things wrong so edited the quote. I checked it 3 times to make sure.
The quote i got back was £119.42 fully comp with a £500 Compulsory excess (age 55).
All the quotes i got with 0 NCD had a £500 Compulsory excess.
For the value of the bike i thought the price was very good.
It's like with all insurances, you don't know how good they are until you need to make a claim.

Edit...

I still have to ring them up tomorrow.
Where it asked for "does it have a immobiliser". It did not list BMW, so i put "Manufacturers immobiliser".
I got the paperwork emailed to me AFTER i had paid. Reading though it i found they had put "Honda H.I.S.S.2" for the immobiliser fitted. D'oh

[EasyRider]

Well this is a first for me.
Had an email this morning from the broker asking me to login to my account.
When i loged in i found that they wanted some more info from me.
The info they wanted were 2 photos.
One of Artie in the garage, and one of the garage to show it was at my home address.
I've had this before from other insures asking for a copy of my licence or proof of NCD.
But i've never been asked for proof of where i keep the bike.

[Stu]

That's a new one on me too!

Usually they would leave that until something happens then try and wriggle out of a payout

[burridge01]

I had similar a couple of years ago when insuring the other half's car.They told me my house doesn't have a garage(and they are right)but we rent one opposite the house.They just about excepted it.

[EasyRider]

The photo i sent in showing Artie in the garage. I sat my 2 GSD's, one each side of the bike
Had to show Artie's reg number in the photo to.
And just used google earth showing my home with the garage in the back garden.

[Steve398]

How’s everyone finding their insurance renewal quote's?

I’ve recently received an email from LV over the insurance for our 2 cars, advising me that prices for parts/repair/etc. have all risen, which is I suppose an indication that this years premium is going to be painful!

So when I checked out the bike insurances, expecting the worst, I found that it had actually dropped by £3 from last year… how does that work then?

[EasyRider]

your an old git like the rest of us, thats why.

[Steve398]

your an old git like the rest of us, thats why.

Sadly, when you get to ‘a certain age’ they start raising the prices… that’s why I’m surprised it’s gone down.

I know from a previous post that you’re only a young whippersnapper!

[burridge01]

As per the usual Steve,if the renewal is stupid then shop around.

[Steve398]

Quotes so far range from £103 to £340, fully comp/ protected no claim etc etc. I’m with BMW (Devitts) at £170-ish

[Stu]

Just been through insurance for the wife's car!

Just got a newer car so I was expecting more anyway but it was double the price of last year's on the renewal

Eventually settled for £100 more at £340 for the year

My bike has always been competitive! Currently £180 with bennetts with all the extras and European breakdown cover

[Casbar]

Just had a quote from Bikesure, Aviva underwriting, 2019 RT, Legal, comp, no claims protection - £129, £30 less than last year. Cornmarket renewal £199, before negotiation. So surprised.

[EasyRider]

I also think the area where you live plays a big part of the price you get. I think the prices i get at 55 are very good.

My cars.
2013 ford Mondeo txs estate, fully comp was £152 in 2022 and £198 in 2023 max NDC
2010 ford fusion zetec, fully comp was £159 in 2022 and £197 in 2023. 6 years NCD (Edited)

My bikes.
Hayabusa Gen2 fully comp was £160 in 2023 max NCD (with MODS)
Hayabusa Gen1 fully comp was £100 in 2023 max NCD
Varadero XL1000 fully comp was £73 zero NCD
R1250RT fully comp was £120 zero NCD
ZX9R, OTR

[Glenn]

Why is insuring 2 bike on a multibike policy more expensive that 2 separate policies? I got quoted over £500 for my 2018 R1250RT & 2011 F650GS with Bennetts, but £160 & £130 if insured separately with Be Moto

[EasyRider]

Why is insuring 2 bike on a multibike policy more expensive that 2 separate policies? I got quoted over £500 for my 2018 R1250RT & 2011 F650GS with Bennetts, but £160 & £130 if insured separately with Be Moto

When i rang up my insure to see how much it would cost to add the RT to my Gen2 Hayabusa policy.
They wanted more for the remaining 6 months than it cost me for a years insurance with zero NCD from another insure.