Bloody insurance companies, money grabbing...........

[sprocket]

I've found a couple bikes that are soooo nice and within my price range, however i'm looking at over £1000 for the bloody premium. Can anyone recommend anything security wise that can help me get this down?

[Dave]

The Datatool System 3 is a CAT1 Alarm that is a very popular model.
(Rob G can help you more with it )


I've also heard that BikeSure will give you a 10% Discount if you buy a Almax Security Chain.

Is it gonna be garaged, some insurance quotes were terrible becuase they asked if it was gonna be in a garage, I found one that asked if it will be in locked premises, which I told him about the shed & they said that was as good as a garage

http://www.biketeam.co.uk is my personal fav

[sprocket]

Yeah i've found biketeam to be pretty good so far, i've got them running a few quotes and i'm gna try and speak to them tomoz to see if they can recommend anything else. Fingers crossed, thanks for the tips

[Grumpy Git]

I have just renewed my insurance with carol nash, they sent through a quote for £165 which was more than double last years premium but after a little searching I found a quote for £100 rung them up and they matched it. very nice of them.

[furry]

I was thinking about doing the advanced Driving course, that takes a whopping 25% off, and when ya young like me (allthough my insurance cheep cos I got a classic bike) thats a huge insentive (not to mention my full bike licence lessons were crap and I could do with some experts fine tuning my riding skills)

Emmm alarms do help too etc, I used bikesure, I expect maybe few others out there cheeper, but the extra leagal cover I've had with them has been really good and soon as I seem to get hit by cars once a yr I always take it out LOL

[sprocket]

I've had a couple lovely quotes from carol nash, being done through AXA. Apparently AXA are one of the cheaper companies out there, however they dont offer any discount for security devices. So if anyone was wondering in the future.

[age]

Hey if it's of any consalation I'm 33 been riding for 14 years have a clean licence 6 years noclaims and pay £500 full comp with £500 excess



Ps it's garged and alarmed

[sprocket]

I'm 23 been riding for 0 years, bike wont be garaged, wont be alarmed at first, have 0 years no claims and i'm being quoted £500 fully comp for an sv650 axa rule

[age]

I'm 23 been riding for 0 years, bike wont be garaged, wont be alarmed at first, have 0 years no claims and i'm being quoted £500 fully comp for an sv650 axa rule

But it's only a SV


But serious mate check your premium eccess as it could be a lot.

[jason]

talking to a soon to be 16 year old who was phoning around for ins qoutes for a DT 50.

most qoutes where around the £1000 mark TPF&T

[Censored] hell.

if he gets a twist and go scooter depending on the model it would be between £200 - £300

No wonder you dont see many geared 50's around anymore.


My insurance is with Carol Nash - its TPF&F - dont do fully comp as im not giving insurance companies a penny more than I have to. I have loads of years No claims, the bike is garaged alarmed datatagged I live in a low risk area, I have no points on my licence, but its still not overly cheap at £290.

[Dragon Lady]

Go to Confused.com I phoned loads of companies they came out with the same companies I had phoned but with cheaper quotes, the thing with Carol Nash is you also get break down cover as well so if you knock about £90 of your quote you have your insurance price.

[Grumpy Git]

the thing with Carol Nash is you also get break down cover as well so if you knock about £90 of your quote you have your insurance price.

if I did that then my insurance cost me a tenner

[clunk]

Just sorted mine out for the SV. My existing company , The Insurance-line, quoted £188. Fully comp, 3 years NCD.
Phoned around and got quotes around the £180, except Bennetts quoted £150. Called them back to take it out then discovered it only covered my bike and I need cover to ride Ali's bikes as well.
Called Insurance-line back and they knocked it down to £178 so I took that one.

I was expecting good things from Biketeam but they quoted £380

[Dragon Lady]

f I did that then my insurance cost me a tenner

That's good for you. but for those who still have high insurance and would then have to pay again for breakdown cover it is a good buy, you can't help it if you are getting to that age when most things go down. (in price ie. insurance)

[furry]

The thing is, it doesn't really matter too much which place you phone up, as all they are doing is acting as the "middle-man" for various policy's that are avilable from insurance companys...(remember that some of them may have access to policy's that others don't, so for partilar circumstances, you could get a much better deal elsewhere if you phone around, at the end of the day, phonecalls are cheeper than difference in insurance policys!)

Best thing to do, is phone round, but when you get quotes, find out WHICH insurance that quote is with, and what's included.

I've used bikesure two years running now, they are ok but the policy they put me on for this yr charged me an extra £50 just bos I had 3 pnts on my licence which were due to expire in 2 mnths time!!! I did phone around that yr, but bikesure still managed to find me the cheepest policy, allthough taking that extra £50 into account, in heinsight it might have been cheeper to go elsewhere...

Good thing about the policy they got me on though, is I'm insured 3rd party to ride anyone elses bike, I didn't have that on my last policy so it's not all bad!

Always take out legal insurance if it's not already part of the policy, as even if your fully comp, legal protection can help you save loosing your no claims bonus if you have an accident, where as you would loose it if you just claimed to get your bike fixed and the insurance companys couldn't agree on who was at fault, which when bikes are involved, is useually a hard thing to do, as when I got hit the first time it took my solicitors over 2 yrs dealing with his solicitors to get it settled, and in the end I kept my NCB and got the value of the bike back, plus brought the bike back from the insurance as I was only 3rd party for £125, fixed it up, used it again for anonther 2 yrs LOL.

Fully comp for bikes, well I'd say for most cases Third Party Fire n Theft along with legal insurance on top would surfice (as then you can always buy the bike back from the insurance on the cheep), but if you think your bike is going to be attacked/damaged for any reason, or your someone who crashes out badly on the road when no-one else is involved, then well it's worth the extra peace of mind.

I get mine cheep bcos I own classic bikes, so keep in mind if theirs a classic bike (15 yrs or older) out there that you like, buy it, and insure your other expensive bikes against it, you could save a packet! maybe even enough to pay for the classic bike in the first place!