Bike Insurance

[Dan]

I spent an hour or so today ringin round for bike insurance quotes, as mine runs out at the end of the month.
Called the usual, Westhill (my current ppl), bennetts etc. but i came across a company called Direct Choice on the net.

Last year, I had my Italian TZRR, and that was about 380 quid TPFT, on my CBT licence.... I then changed it mid term to cover da VFR when I passed bike test, and they bumped it up a little.
This year, they wanted 413 to renew for the VFR - which i didnt think was too bad. Got that down to 377 with one company, then 325 with another.. all with excesses of 250 or 350 quid.

This Direct choice company quoted me £241.36 TPFT for the year, which also covers me to ride any other bike. The excess is 250 quid, but doubles if I get the bike knicked outside of the garage which is fury muff.

Rahh! Lock up your bikes... im coming round to ride em all!! :lol:

oh, some good numbers (in order of my cheapest quote today):

Direct Choice - 08451 214 214
Click Quote - 0870 742 0797
Bennetts - 0800 107 7990
Westhill - 0870 794 7940

Happy haggling ;)

[Tark]

Thanks
I am sure they will come in usefull.

When i was 16 it was £160 for ny TS50ER

This year with 15% no claims they want at least £500 for my TZR TPO!!

So i have put the bike in my dads name insured him on it for £60 and i am riding it off my car insurance that allows me to drive anyone elses car or ride anyone elses bike! rahaha!! :twisted:

[thelamoth]

Best insurance quote i found when i got my TZR was Carol Nash, £330 tpft with breakdown cover thrown in, not a bad deal ;)

[Dan]

Westhill was tyhe best for me on the TZRR - again, with breakdown cover (not that you need it!! LOL)

Numbers above.

[Dan]

Right... time to finalise what im doing with my insurance this year...

Phoned Westhill, and told them to sort their quotes out - ive been quoted 241.36 elsewhere, instead of their 460 quid! so they said ok, we'll do it for 225 :dance: and im insured to ride other bikes. Excess is 200 quid which is better than last year un all.

Now thats better! :clap:

Just out of curiosity, I asked them how much it would be to insure a 1999 GSXR, cos i found a really nice one today for just over 3 grand - bout 450 tpft - id probably wanna get that fully comp to be honest, which will be well over 600 quid... so thats outs tha window for another year or so

[Tark]

Very good. Just shows what being an old man does to your insurance eh Dan? :lol:

[Dan]

:snooty:

[Tark]

You love your new emotions dont ya.

Go on Dan let it all out!

:multi:

[Dan]

LOL - :rainbowafro:

[Spider]

my insurence is something like £600 on a provissional liscence (ignore spelling) so when i pass my test will it go down and is there any other type of course thing i can do to make my insurence go down more?

[Dan]

After you have a years no claims, it'll go down quite a lot. For provisional licence holders, you really need to use an insurance broker thats underwritten by Highway.. as they provide the cheapest insurance. After that, equity redstar seem to be the cheapest if you have under a 600 with a year or so no claims.

[Tark]

when i got my renewal on my 50 i was a year older and had a years no claims and it had gone up!! So i fcukd them off and went somewhere else!

I still have my 1 years so am gonna have to get insured on my TZr befoe November.

Riding it now induring my dad for £60 and riding it on my car insurance! :twisted:

[Dan]

bet that worked out a lot cheaper!

[Spider]

the insurence business confuses me!!! they want so much and give **** all back bastards!

[Tark]

Now i'm 18!! :bday: :dance: Will my insurance be different when i get quote and does it go down when you have a full icence??

[Spider]

your insurence wont go down now that your 18 will be the same till your bout 21 or 25 one of them! and when ya get your full license it should go down a bit me thinks!

[Biker Dude]

ok... i hope your all ready for this...

My vfr400 NC30... 3rd party fire and theft with 1 yrs no cliam.. 6pts and a claim in oct 2001... £1486 with £250 excess and no cover on other bikes!!!!

[Dan]

Bloody hell!

Mind you, 6 points - and a claim :(

[Biker Dude]

mind u im down to 3pts on my licence but the insurance ask for any with in the last 5 yrs, so its still gonna count :(

[Dan]

no - its when ur convicted. Points stay on ur licence for 5 years... so if theyre off your licence, it was more than 5 years ago... so the insurance company dont need to know about em.

[Spider]

dam i must be lucky then when i got nicked on a DR250 they were going to give me 6 points which is a ban on a provissional it think!! and a conviction dam my insurence would have been well bloody high dam im glad im a lucky person!!! *touch wood*

[Biker Dude]

no u can have up to 12pts on a provisonal...i know this coz i got 2 lots of 3 on my provis'. The insurance companies ask for any pts gained up to and including 5 yrs ago so they do know bout them :(

[Biker Dude]

no u can have up to 12pts on a provisonal...i know this coz i got 2 lots of 3 on my provis'. The insurance companies ask for any pts gained up to and including 5 yrs ago so they do know bout them :(

[Spider]

double post there but hey at least thats kool!!! lol you would be screwed if they ever found out lol

[Biker Dude]

double post..my bad. "you would be screwed if they ever found out lol" if who found out bout what?? -blonde moment-

[Spider]

yeah good point blonde moment lol didnt read the post properly

[Biker Dude]

lol... bloody Eejut

[Spider]

ha ha my m8's auties use that word down in croydon lol that and fugly

[Biker Dude]

lol..i use it to hounor the memory of FATHER TED himself

[Spider]

arrr father ted and dougle!!! good tv that is cant belive he died though he was only like 50 wernt he?

[Biker Dude]

sumthin like that...def early 50's...sad really! Lets not forget the real star of that show... ARSE FECK NURSES WOMENS KNICKERS, am i missing 1.....??


DRINK

[Spider]

lol JACK i think that was hs name any way father jack

[Biker Dude]

yea, u know it.. Father Jack Crilly or sumthin!! ARSE

[Spider]

lol the famous Irish version of arse but ARSE with more ARRR in it

[Dan]

Well im lost on this thread......

[cshan99]

last year, 28 years old, 1990 GSXR 400,provisional bike licence for 12 years (couldn't be arsed to do test........yet!!!), few years insurance in own name. (Also full car licence 11 years, 10 years NCB - doesn't make a f*ck all of a diffrence) - my insurance TPFT is still over €1100 or £750STG-ish.............load of bull poo Irish Insurance!! :( 8)

[Tark]

yeah that I quite bad!

I am 18 1 years NCB. Just crashed a car and got a claim against me and I am paying £400 TPO on an SRX 400. I know its not the same as a GSXR but i was quoted £700 for a CBR400 or VFR400!

[Biker Dude]

lol..im 20...no pts on my licence but 6pts still on record. A claim 2yrs ago and a yrs NCB.. My vfr is was £1456 3rd F/T in june....now its £500 3rd F/T. Work that 1 out!