NBT: Sexy red beast has been bought and heading my way!

[Count Steer]

I think it's mainly just annual mileage, given that it drops by over half when I cut the mileage dramatically?

But I/We used the same miles.

No idea as I just changed my birth year to 1972, at my postcode with £12k PA miles and its gone (up?) to £982.96?

Have you tried putting someone else's details in for a house a few doors down? That'll tell you if it's you or the location? Maybe your IP address sets alarm bells going - aaagh, it's 'im!!!

[Rockburner]

Your commuting mileage is probably too high.

Don't know what your door to door distance is, but when I was doing 55 miles each way virtually all year the annual mileage came out at around 23,000 (iirc).


If I remember correctly the calc was something like 5 days of journeys, over 48 weeks (allows for holidays) = 48* (5*110) = 26400, and then take off a month or two for winter. (I sometimes trained it in the depths of winter)

[Bustaspoke]

Rural West Lancs Fully Comp 12k miles p/a bike value £8.5k.Kept in a garage with a Xena disc lock.Rider age 61 full NCD,no pillion
I just put the details into MCN Compare & the best I got was
Devitt £239.50
Bennetts £250.63
That's fully comp.It's still more expensive than my multi bike for the SV650 & Street Triple doing a combined 12k P/A,but there's no commuting on my policy.

[Taipan]

Your commuting mileage is probably too high.

Don't know what your door to door distance is, but when I was doing 55 miles each way virtually all year the annual mileage came out at around 23,000 (iirc).


If I remember correctly the calc was something like 5 days of journeys, over 48 weeks (allows for holidays) = 48* (5*110) = 26400, and then take off a month or two for winter. (I sometimes trained it in the depths of winter)

I'll look at it later but I do 60 miles a day, 4 days a week. I get quite a bit of annual leave though (6 working weeks minimum) and certain days we get off on top of that as well. My mileage might not be as high as I think and clearly dropping it down 2k makes a difference...

[Rockburner]

Your commuting mileage is probably too high.

Don't know what your door to door distance is, but when I was doing 55 miles each way virtually all year the annual mileage came out at around 23,000 (iirc).


If I remember correctly the calc was something like 5 days of journeys, over 48 weeks (allows for holidays) = 48* (5*110) = 26400, and then take off a month or two for winter. (I sometimes trained it in the depths of winter)

I'll look at it later but I do 60 miles a day, 4 days a week. I get quite a bit of annual leave though (6 working weeks minimum) and certain days we get off on top of that as well. My mileage might not be as high as I think and clearly dropping it down 2k makes a difference...

Looks like it might be worth at least estimating it, and then adding a small amount on for weekend riding.

60mile * 4day * 46weeks = 11040miles. Add on a few thousand for weekends and I@d estimate your mileage at 15k a year tops, so your 12k (is that what you reckoned?) isn't far off actually.

[ChrisW]

Might be that so few people ask for insurance for that many miles on that bike so they've no data - it's an outlier so up the price goes.

[weeksy]

Might be that so few people ask for insurance for that many miles on that bike so they've no data - it's an outlier so up the price goes.

Several of us have tried the same bike and miles in our testing and still get £200-300

It's not that if you ask me

[ChrisW]

Might be that so few people ask for insurance for that many miles on that bike so they've no data - it's an outlier so up the price goes.

Several of us have tried the same bike and miles in our testing and still get £200-300

It's not that if you ask me

Hadn't seen those posts. Just tried it myself - 51 yrs old in a market town in South Cheshire, 8 yrs no claims, garaged and I'm getting around £260 from the likes of Bemoto and Devitts.

[Skub]

TinPan is being punished for having the audacity to use a Ducati for commuting.

The nerve of him.

[Count Steer]

Might be that so few people ask for insurance for that many miles on that bike so they've no data - it's an outlier so up the price goes.

Several of us have tried the same bike and miles in our testing and still get £200-300

It's not that if you ask me

Hadn't seen those posts. Just tried it myself - 51 yrs old in a market town in South Cheshire, 8 yrs no claims, garaged and I'm getting around £260 from the likes of Bemoto and Devitts.

It's Pietin. They've got him clocked as a wrong 'un.

[Dodgy69]

Reckon you'd be better off with a big scoot for that commute.

[Taipan]

Several of us have tried the same bike and miles in our testing and still get £200-300

It's not that if you ask me

Hadn't seen those posts. Just tried it myself - 51 yrs old in a market town in South Cheshire, 8 yrs no claims, garaged and I'm getting around £260 from the likes of Bemoto and Devitts.

It's Pietin. They've got him clocked as a wrong 'un.

I'll have you know i'm a good egg and a pillock of the community!

[weeksy]

So using Pietins postcode get me £367 for 12,000 Full comp, £200 excess and social domestic pleasure inc commuting...

[Bigyin]

TinPan is being punished for having the audacity to use a Ducati for commuting.

The nerve of him.

My first Multistrada was used for commuting all year round and i put about 9000 miles in my insurance quotes at the time. Bike in a locked shed with full protected NCD and, at the time, no accidents or convictions and valued at 10.5K. Cost was 185 quid with a rural Norfolk postcode. It went up 30 quid when i moved to a shitter area where bike theft was a local sport for the yoblets and back down again when i moved back to friendly country village again 12 months later

[Count Steer]

So using Pietins postcode get me £367 for 12,000 Full comp, £200 excess and social domestic pleasure inc commuting...

It's Tinpan...he's clearly a bad 'un. I've always said so. Nobody can be that nice and be for real.

[Bigyin]

So using Pietins postcode get me £367 for 12,000 Full comp, £200 excess and social domestic pleasure inc commuting...

Might also depend on the comparison site he uses. I have had lower figures from confused dot com rather than the specific bike related ones or he might just be a muppet and ticking one of the wrong boxes

Or just as the Count said, he's a wrong un and they have him sussed

[MyLittleStudPony]

Don't worry about all that insurance bollocks; just gan it up on t'back wheel.

[Taipan]

Well I just went on GoCompare and got the following which is all my true details and address and with 12k miles inc commuting!

[KungFooBob]

Fuck me, look at the excesses!

I usually set the voluntary to £0 for doing quotes and if the compulsory is over £250 they can jog on!

[Taipan]

Fuck me, look at the excesses!

I usually set the voluntary to £0 for doing quotes and if the compulsory is over £250 they can jog on!

Look what happens when i change it to£0 voluntary!!



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