Bike Insurance Daytime Only MOT

[Jody]

Just rang bikesure/adrian flux to get insurance on my KTM250 SM

They have told me that they can only offer TPO insurance because the bike has a daytime only MOT!!

Can anyone recommend a broker/ company that can cover me at least TPFT preferably Fully comp ?

TIA

[v8-powered]

Can't remember who I used to insure my bikes with but never said 'daytime MOT', just declared mods as 'lights removed', 'aftermarket bodywork' etc and made little difference to cost.

[The Spin Doctor]

It's getting more difficult to get bike insurance. I got silly quotes IF I got a quote at all for London. I got told by at least two companies that I needed a brick built garage... on a Victorian terrace street? Where exactly? I've ended up with TPO for the first time ever.

[JackyJoll]

Just rang bikesure/adrian flux to get insurance on my KTM250 SM

They have told me that they can only offer TPO insurance because the bike has a daytime only MOT!!

Can anyone recommend a broker/ company that can cover me at least TPFT preferably Fully comp ?

TIA

I expect their reasoning is they don’t know exactly what they’re insuring.

[Asian Boss]

Q-plate, daytime MoT and TPO insurance - that's the real man's holy trinity.

Also a Vauxhall Omega 3.0 Elite.

[demographic]

How hard would it be to put lights on it?
My KX got though an MOT with no working charging circuit, just a battery that ran down in pretty short order and nowadays there's LED headlights that last a lot longer.

[formula400]

my husky 510 was on a daylight MOT, I was with Bennetts. and they were cheap. and I have got 10/15% on five gloves, (they have a 50% on now so that's irrelevant)

[PitaNaanRoti]

There’s no such thing as a “daytime only MOT”
You’ll have an MOT with a “no lights fitted” advisory.
Leave it at that.
Type in the reg on whichever moneysavingwebsiteyouchooseto and pick a quote.

[Ewan]

Hi Jody did you ever manage to find an insurance company to insure you fully comp on your daylight mot?.
I’m having the same issue. Thanks

[Jody]

Hi Jody did you ever manage to find an insurance company to insure you fully comp on your daylight mot?.
I’m having the same issue. Thanks

I couldn't get fully comp

[Rockburner]

Try a classic bike specialist?

A LOT of vintage/classic bikes don't have lights fitted (eg ex-race bikes converted to road use, specials and such like). I'm pretty sure I've got FC cover on the JAPton (which has a brake light and f-all else). Just looked and it's with Footman James.

[Mr. Dazzle]

I have the classics with Footman James. They ask me loads more questions about the bike itself, I have the Bonnie on an "agreed value" policy.

I don't earn NCB on it, but you wouldn't be doing a classic policy anyway so I suspect that's moot. Deffo worth calling them though I'd say, they seem much more suited to odd stuff.

[Le_Fromage_Grande]

Adrian Flux will insure anything, but you'll have to jump through a few hoops.
Peter James are similar.

[Ewan]

Thanks guys I’ll try footman James

[crust]

Try Bemoto, been very helpful with my claim. They MX bikes, bikes on sorn etc

[Felix]

Thanks guys I’ll try footman James

Or

https://www.aib-insurance.co.uk/