Post by: Laverdaroo on June 04, 2024, 09:42:32 PM
'The Long Haired General' is looking for insurance on 'Chewy' her 400 but having not insured anything this old or modified for a very long time I wondered if any of you on here have had any good bad, cheap or expensive scenarios when insuring your own bikes recently (12months) and possibly suggest any good companies to approach?
Any help greatly received and with any luck, should have her scootching around the lanes in no time. ;D
Cheers in advance
Post by: Laverdaroo on June 04, 2024, 09:46:10 PM
CWY 480T
(https://uploads.tapatalk-cdn.com/20240604/de71496722403d371faba2a5c9a13475.jpg)
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Post by: Johnwebley on June 04, 2024, 10:04:31 PM
They cover my 200,500 and VFR400
about £130
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Post by: Nurse Julie on June 04, 2024, 10:16:18 PM
Post by: Bryanj on June 04, 2024, 11:17:32 PM
First choice would be to ask whoever you are with to me sometimes loyalty works
Post by: Laverdaroo on June 05, 2024, 12:43:19 AM
That said, tried Swinton earlier and so far they are £324.00 cheaper than rhe nearest quote!
fully comp with no excess and no NCD- £100.36!
Adrian flux couldnt even foind the bike on the data base and the big companies are Really expensive. I cant put it on my insurance as the bikes in her name as only the second owner and Im not transfering the docs over, its not worth it.
Post by: Bryanj on June 05, 2024, 03:36:28 AM
Post by: McCabe-Thiele (Ted) on June 05, 2024, 06:16:36 AM
Post by: Johnny4428 on June 05, 2024, 07:10:47 AM
Always worth a try Roo!
Post by: Laverdaroo on June 05, 2024, 10:07:58 AM
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Post by: McCabe-Thiele (Ted) on June 05, 2024, 12:13:32 PM
Post by: Tony.B on June 05, 2024, 04:06:43 PM
Post by: Laverdaroo on June 05, 2024, 04:54:52 PM
I'm with Peter James, I get the VMCC member discount, ten bikes, unlimited mileage, from a 1939 Triumph to my modern bike, an '87 VFR750, £299.Bloody hell Tony, that’s cheap!
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Post by: Johnny4428 on June 05, 2024, 06:20:42 PM
Post by: Laverdaroo on June 05, 2024, 06:58:05 PM
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Post by: Gromitdog on June 10, 2024, 10:07:45 PM
Chew is looking good and ready for a outing, Nice work ready 😎 for the General's outing ! 🤗
gromitdog
Post by: Laverdaroo on June 11, 2024, 05:39:45 PM
Great result for the LHG, she’s well chuffed.
Maiden flight tmrw
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Post by: Gromitdog on June 11, 2024, 09:21:28 PM
Nice one on the subject of insurance companies I have copied the companies down and will have a phone round when its next due in March, But will phone up in late Feb 21 days before its due ) as I was told many years ago the less risk they have on the books the better the quote will be..... So if you do your insurance in winter its cheaper than renewing in the summer 🤗
Have a safe trip out tomorrow and enjoy the ride 😎
Regards
🐕 😎
Post by: Bryanj on June 11, 2024, 10:58:45 PM
Post by: McCabe-Thiele (Ted) on June 12, 2024, 08:53:23 AM
I think the term Screenscrapers was used for this search process, less so theses days with the giants like Go Compare & Compare the Meercat!
Post by: Laverda Dave on June 12, 2024, 11:07:02 AM
Peter James were really, really helpful when I called them but said they couldn't insure it as it was too modern for them (a bike has to be 20+ years old for the policy I have with them so I'm lucky the mighty VFR is now 25 years old even if it is still a rocketship!).
I went on the MCN GoCompare site in the end. The cheapest was Hastings Direct but they had a big excess. I settled on Swinton Insurance and paid £184 for fully comp (£30 of that was a new business tax, in other words, a stealth tax!).
What really p****d me off though was although I have held motorcycle insurance since I was 17 and only had one accident in 2001 (not my fault) apparently insuring motorcycles on classic policies only gives you 'No Claims', it does not give you any 'No Claims Discount', a play on wording that could cost you £000's if you insure a modern bike!
Fair play though to Swinton, the third agent I spoke to (the previous two agents couldn't answer my questions) gave me the maximum 9 years NCB on the policy as I hadn't had any accidents since 2001 and despite only having the 'No Claims' criteria from PJ. Without the NCB discount the policy would have cost £340 :o.
It pays to shop around and ask questions.
Post by: Laverdaroo on June 12, 2024, 12:06:55 PM
Rae never got charged any of that Dave, that sounds a bit of a ‘made up tax’ tbh, I’ve never heard of it before, I’d be questioning that……..
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Post by: McCabe-Thiele (Ted) on June 12, 2024, 12:15:39 PM
Might be that Brokers have additional charges to pay for new business to an underwriter so they have to show any comission fees ?
Post by: Laverda Dave on June 12, 2024, 03:24:42 PM
They get you every way!
Post by: Matt_Harrington on June 16, 2024, 09:29:37 AM
Post by: Johnwebley on June 16, 2024, 09:33:13 AM
Ive heard of IPT its about 12% on premiums I think.It's just a government tax,
Might be that Brokers have additional charges to pay for new business to an underwriter so they have to show any comission fees ?
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