bike insurance

[blackeagles]

i've had motorcycle insurance for some 15 years since i started riding again but i'm no doubt a bit dim as i was not aware, until recently discussing insurance with a few companies, that if you agree you are going to keep the bike in a locked garage then your not insured when you take it out and, say, park it on the drive whilst you get your gear on or the like.  the insurance only starts when you actually start to 'go for a ride'. my company insuring my motoguzzi actually says not insured within 500 mtrs of my home unless i have started to 'ride'.

it seems most of the companies i was talking to do this (the very few that don't charge three or four times more) and i was told all classic insurance policies do it!

who knew or should i have known!?!   

[Andrew-S]

No such BS from Footman James' on my classic bike or car policies - must be garaged (brick built) overnight at the home address and that's about the only stipulation from what I can read.

Worth a call - link: https://www.footmanjames.co.uk/classic-bike-motorcycle-insurance?msclkid=25704489fb1b1f70b33c180b53d9e040&utm_source=bing&utm_medium=cpc&utm_campaign=Bing%20Classic%20Bike%20Insurance&utm_term=footman%20james%20classic%20bike%20insurance&utm_content=Classic%20Bike%20-%20Footman%20James%20-%20Exact

Cheers
Andrew

[Nurse Julie]

Yep, I knew this but only after I was reading the 'small print' when I took out a policy about 6 years ago. It was better than what I had before, I had a trade policy which covered road risks only, so being insured whilst parked up in the garage was a big bonus.Some of my policies have theat clause, some don't.

[Green1]

My bikes are the same not covered if parked on the drive or road within the first 500 meters.
My van and car are covered on the drive but not on the road within the first 500 meters. So I never leave them on the road.
Good job too as my brothers car has been whacked twice in the last 6 months as Im at the end of a Cul-de-sac so everything tries to turn around in front of the house. 

[Athame57]

I'm hoping when I go to get a quote from Footman James I'll get better than the £1054 pa I'm paying for tpft now. alas, someone just mentioned Garage, I'm not able to say i have one. But an out the way garage is probably more vulnerable around here than my being in a gated community, there are two enty phones to pass, it's under a ceiling, with a cover over it...in a courtyard with almost 30 nosey neighbours who know who owns the bike. When I go out for a late night jaunt I see people coming to their windows ...a thief wouldn't stand a chance of going un-noticed but alas, that didn't count on my last quote. Only three companies on 'Go compare' would have me at all. I live in Shadwell east London.

[Green1]

I hope your getting plenty of miles on your bike to cover that amount of insurance.

[SumpMagnet]

Insurance is a minefield of small print.

I pay about £500 a year fully comp on my Hornet, but I don't have a garage. I state it is kept off road...so if I left it outside in the street I could be in trouble...but then again...I never would! I want to move to a place with a garage....for convenience and security. Especially when I get the F2 finished and assembled.

Most policies under those circumstances have a clause about being parked elsewhere after a certain time invalidates your cover...as the vehicle is technically not being 'kept overnight in the garage'. It's all excuses for not paying.

I use my bike as my only form of transport, so it is a really annoying thing to have to be under an insurance 'curfew' but that's the world we live in.

[Athame57]

I sure miss the days of the Norwich Union rider policy....as many bikes as I liked up too 600cc, tpfh as a dispatch rider in London all for  a couple of hundreds....we didn't know how good we had it!

[blackeagles]

No such BS from Footman James' on my classic bike or car policies - must be garaged (brick built) overnight at the home address and that's about the only stipulation from what I can read.

Worth a call - link: https://www.footmanjames.co.uk/classic-bike-motorcycle-insurance?msclkid=25704489fb1b1f70b33c180b53d9e040&utm_source=bing&utm_medium=cpc&utm_campaign=Bing%20Classic%20Bike%20Insurance&utm_term=footman%20james%20classic%20bike%20insurance&utm_content=Classic%20Bike%20-%20Footman%20James%20-%20Exact

Cheers
Andrew

i tried them but they were quite high, p james wanted about 140 comp. 10years ncd but a reasonable excess of (i think) 250 and an sp30 with no accidents.  i finally got one from bikesure at 69 (they waived part of their costs) as above but with 50 excess.  if i said ungaraged it was 240! incidently, gocomp cheapest was only 85 (rcib), 87 (bikesure).

[blackeagles]

I'm hoping when I go to get a quote from Footman James I'll get better than the £1054 pa I'm paying for tpft now. alas, someone just mentioned Garage, I'm not able to say i have one. But an out the way garage is probably more vulnerable around here than my being in a gated community, there are two enty phones to pass, it's under a ceiling, with a cover over it...in a courtyard with almost 30 nosey neighbours who know who owns the bike. When I go out for a late night jaunt I see people coming to their windows ...a thief wouldn't stand a chance of going un-noticed but alas, that didn't count on my last quote. Only three companies on 'Go compare' would have me at all. I live in Shadwell east London.

at that price someone is taking the piss.  i went to gocomp and said i lived in e12qj with a £3500 bike in a secured parking area (you said locked gates access) with no ncb and only 1 year riding and mce came back at 188 with 50 excess, devitt 442 with another 6 under 500!! i then said no to anything that could give a discount and much to my surprise mce went down to 166??.

of course this is only representative on the day as the quotes don't last more than a few days but it gives an indication.

you need to think about a change at renewal

[Spitfire]

I took out a policy with Peter James for my CB750 and NTV650 the premium for 2018 was £154, however 2017 was £329, don't know why the sudden drop but I wasn't arguing, both bikes are garaged.

Cheers

Dennis

[Bradders]

I got my 400/4 insured with Lynbrooke for £128 including breakdown cover. No NCD due to not having riden a bike for 20 years. Fully Comp with £50 excess, in a locked garage but only 3,000 miles PA. Lynbrooke were very easy to deal with as well.

[Athame57]

I'm hoping when I go to get a quote from Footman James I'll get better than the £1054 pa I'm paying for tpft now. alas, someone just mentioned Garage, I'm not able to say i have one. But an out the way garage is probably more vulnerable around here than my being in a gated community, there are two enty phones to pass, it's under a ceiling, with a cover over it...in a courtyard with almost 30 nosey neighbours who know who owns the bike. When I go out for a late night jaunt I see people coming to their windows ...a thief wouldn't stand a chance of going un-noticed but alas, that didn't count on my last quote. Only three companies on 'Go compare' would have me at all. I live in Shadwell east London.

at that price someone is taking the piss.  i went to gocomp and said i lived in e12qj with a £3500 bike in a secured parking area (you said locked gates access) with no ncb and only 1 year riding and mce came back at 188 with 50 excess, devitt 442 with another 6 under 500!! i then said no to anything that could give a discount and much to my surprise mce went down to 166??.

of course this is only representative on the day as the quotes don't last more than a few days but it gives an indication.

you need to think about a change at renewal

Well...it was the cheapest of the three companies on go compare that would have me at all. The AA wouldn't touch me. I've worked in the insurance industy albiet in Life Assurance but i do know I'm in a part of London known to insurers s 'The Bermuda Triangle'....because so much goes missing!!

[Colonial-Clive (yindi)]

I just got my renewal today from footman James it’s gone up 30% and does state no insured at home unless locked in garage!

[Colonial-Clive (yindi)]

I also used money supermarket and quotes started at 62£ on a 550/4 with 3 years nub and 2 sp30s