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!!!
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)
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.
Rockburner wrote: Tue Mar 21, 2023 4:01 pm
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 wrote: Tue Mar 21, 2023 4:01 pm
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.
Last edited by Rockburner on Tue Mar 21, 2023 4:51 pm, edited 1 time in total.
ChrisW wrote: Tue Mar 21, 2023 4:51 pm
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
ChrisW wrote: Tue Mar 21, 2023 4:51 pm
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.
ChrisW wrote: Tue Mar 21, 2023 4:51 pm
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.
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!
Skub wrote: Tue Mar 21, 2023 5:02 pm
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
weeksy wrote: Tue Mar 21, 2023 6:49 pm
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.
weeksy wrote: Tue Mar 21, 2023 6:49 pm
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
