Insurance

[Supermofo]

Is other than the riding other bikes is there many reasons to go fully comp??? I’ve always been TPFT.

Years ago when I switched to comp insurance it was actually cheaper in some instances to go fully comp. I also go comp as then I'm covered if I stack it by myself being stupid.

[formula400]

Is other than the riding other bikes is there many reasons to go fully comp??? I’ve always been TPFT.

Years ago when I switched to comp insurance it was actually cheaper in some instances to go fully comp. I also go comp as then I'm covered if I stack it by myself being stupid.

very good chance of the latter happening

[Dodgy69]

What if you don't add commuting. If it gets nicked you were just visiting.

[formula400]

What if you don't add commuting. If it gets nicked you were just visiting.

I’ve had enough shit happen on the way to or from work that I don’t think it’s worth the lie.

[Wossname]

Car insurance: Our Up GTi quote is £317, cf £189 last year. Best I can get via comparison sites is £307, so not worth arguing. I’m an old duffer with decades of NCB, and live in Cornwall which is the lowest rated ins area. I think we’re going to have to get used to it, tho I can’t quite see why, logically, premiums have risen so much in a year?

JOOC, I ran through a quote for a VW ID3, which is a mid range electric alternative….£540!

[The Spin Doctor]

There's a thought that insurance companies have suddenly cottoned onto the repair costs (or non-repairability) of Teslas...

[Taipan]

I've just read my bike insurance renewal - from Bennetts - properly instead of just looking at the renewal price as usual.

They've snuck in a clause about denying claims in the absence of a "warranted secondary security such as a D lock, disclock, padlock and chain, immobiliser or other similar device." in addition to the usual immobiliser stipulation.

I'll have to give them a call after all.

Yup. I raised this before as I found the same thing. If you declare a security device, it has to be fitted or your claim is denied.

[ChrisW]

I've just read my bike insurance renewal - from Bennetts - properly instead of just looking at the renewal price as usual.

They've snuck in a clause about denying claims in the absence of a "warranted secondary security such as a D lock, disclock, padlock and chain, immobiliser or other similar device." in addition to the usual immobiliser stipulation.

I'll have to give them a call after all.

Yup. I raised this before as I found the same thing. If you declare a security device, it has to be fitted or your claim is denied.

Thing is that I've not declared one & it's a new paragraph in the terms. Sneaky buggers.

[Taipan]

I've just read my bike insurance renewal - from Bennetts - properly instead of just looking at the renewal price as usual.

They've snuck in a clause about denying claims in the absence of a "warranted secondary security such as a D lock, disclock, padlock and chain, immobiliser or other similar device." in addition to the usual immobiliser stipulation.

I'll have to give them a call after all.

Yup. I raised this before as I found the same thing. If you declare a security device, it has to be fitted or your claim is denied.

Thing is that I've not declared one & it's a new paragraph in the terms. Sneaky buggers.

Yes they are getting proper sneaky. I said due to the weight of my almax and pragmisis chains, i use one at home and keep the other at work, so my bike gets locked. The girl said if I declare them they must be used and there wasn't any way i could list them as separately used items??

[Supermofo]

There's a thought that insurance companies have suddenly cottoned onto the repair costs (or non-repairability) of Teslas...

Yeah I think that was the gist of this article.

Was reading an article yesterday saying some insurance companies were declining leccy cars and others had bumped premiums by a lot more than for petrol and diesel. No idea how true for most. But I'd heard most insurance was up by a lot. My Dad just had his near double for a 2011 Fiesta. Mine are all due Jan/Feb. Joy.

‘The quotes were £5,000 or more’: electric vehicle owners face soaring insurance costs

https://www.theguardian.com/money/2023/ ... ance-costs

[Taipan]

There's a thought that insurance companies have suddenly cottoned onto the repair costs (or non-repairability) of Teslas...

Yeah I think that was the gist of this article.

Was reading an article yesterday saying some insurance companies were declining leccy cars and others had bumped premiums by a lot more than for petrol and diesel. No idea how true for most. But I'd heard most insurance was up by a lot. My Dad just had his near double for a 2011 Fiesta. Mine are all due Jan/Feb. Joy.

‘The quotes were £5,000 or more’: electric vehicle owners face soaring insurance costs

https://www.theguardian.com/money/2023/ ... ance-costs

Didn't someone say on here that not all bike Ins Cos take on leccy bikes?

[ChrisW]

Switched to Devitts - Bennetts shenanigans aside I've gone from £108 to £66 with an extra 1000 miles.

[Bigyin]

Switched to Devitts - Bennetts shenanigans aside I've gone from £108 to £66 with an extra 1000 miles.

Devitt are one of the couple of companies that will insure me for business use as an instructor…… out of the 2 they are the ones I went with to insure the Fazer

They also give a discount voucher for sportsbikeshop dot com which I put towards replacement kit each year

[Dodgy69]

I'm with Bennetts, expires on the 24th. I'll give Devitt a ring friday.

[Dodgy69]

Bennetts renewal £270 Devitt £235 with Highway I think.

[Rockburner]

Switched to Devitts - Bennetts shenanigans aside I've gone from £108 to £66 with an extra 1000 miles.

Devitt are one of the couple of companies that will insure me for business use as an instructor…… out of the 2 they are the ones I went with to insure the Fazer

They also give a discount voucher for sportsbikeshop dot com which I put towards replacement kit each year

I didn't know about the discount voucher.... The Rockster is insured through Devitts because they handle the BMW preferential insurance scheme.

[Whysub]

https://www.voyagertravelinsurance.co.u ... insurance/

Thanks Dodgy. UK insurers that insure those of us living in the EU. Good cover and a very good price. Even spoke to them on one point, seem a pleasant company to deal with.

Could not find a single company here that insure me to use a bike over 125cc. I was only told this when I asked that specific question.

Wonder how many people have travel insurance that won't be of any value should they make a claim in connection with an accident on their larger than 125cc bikes.?

[Dodgy69]

Ye, I spoke to them, told them exactly what I was doing, how long, where to etc, I was put on to them by a regular euro bike traveller.

[KneeToTheConcrete]

Age is just a number, and as long as you're enjoying your ride, that's what matters most. Plus, getting a good deal on insurance is always a win.

[Bigjawa]

Switched to Devitts - Bennetts shenanigans aside I've gone from £108 to £66 with an extra 1000 miles.

Devitt are one of the couple of companies that will insure me for business use as an instructor…… out of the 2 they are the ones I went with to insure the Fazer

They also give a discount voucher for sportsbikeshop dot com which I put towards replacement kit each year

I didn't know about the discount voucher.... The Rockster is insured through Devitts because they handle the BMW preferential insurance scheme.

What scheme is this?

I was with devitts when I had the Himalayan and they refused point blank to insure the GS without a garage. Despite insuring the K12 no worries.