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Insurance!

Started by dwayne dibley , Nov 20 2009 11:15 am

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84 replies to this topic

#61 LewisBlackburn

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Posted 15 December 2011 - 09:36 pm

QUOTE(TDMTAM @ Wed 12th Oct 2011, 08:52 PM) <{POST_SNAPBACK}>
Just got my renewal quote in bugger have put it up to £304 up £100. Their reason why because I have committed the crime of fitting Panniers, top box screen & a seat.
oh well time to phone around.
TAM


Read you insurance booklet and look through the definitions for modification and accessory.

Usually an accessories is an item that is permanently fixed to the vehicle but is not performance enhancing, I did a bike claim recently where the bloke had heated grips, crash bars and a top box. none of which were performance enhancing. His accessories cover was upto the value of the bike, which was a KTM 990 adventure so about 6.5K. He got the full value of the bike (write off) and the value of the accessories, None of which he declared upon inception.

So, you dont always have to declare Mod's as modifications.




#62 paddy900

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Posted 19 December 2011 - 04:32 pm

Aunty carol has also put my insurance up by £30 this year, i have not had any claims,

I have been looking about on the comparison sites,

MCE have come in at a great price, Has anyone on here used them ??
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#63 trevini

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Posted 19 December 2011 - 05:56 pm

I had a policy with them a year or two back. Never had to claim, but they seemed ok, Paddy.

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#64 dapleb

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Posted 19 December 2011 - 06:11 pm

Once yo have followed the moneysavingsexpert type steps and found yer lowest price, its worth goin back to the orig insurer and playing them off against the cheapest quote. Annoying it has to be that way but often works and saves hassle of filling in forms. On various policies this tactic probably saves me a few hundred squiddlers every year.
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#65 Saga Lout

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Posted 19 December 2011 - 08:07 pm

QUOTE(dapleb @ Mon 19th Dec 2011, 06:11 PM) <{POST_SNAPBACK}>
Once yo have followed the moneysavingsexpert type steps and found yer lowest price, its worth goin back to the orig insurer and playing them off against the cheapest quote. Annoying it has to be that way but often works and saves hassle of filling in forms. On various policies this tactic probably saves me a few hundred squiddlers every year.

I've had to do this on both mine and Mrs Saga's cars this year and saved about 130 squid combined. However, it didn't work on the bike and I have now joined auntie Carol because with her combined Europe breakdown cover I though it was the best deal (approx £160.00 fully comp). What pisses me off is that two years ago I was paying £92 which included £25 legal cover and this year, even though I've had no accidents, the same broker wanted £225 and would/could not match CN
Now on 9er number 2 .....

#66 TDMTAM

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Posted 19 December 2011 - 08:45 pm

QUOTE(paddy900 @ Mon 19th Dec 2011, 04:32 PM) <{POST_SNAPBACK}>
Aunty carol has also put my insurance up by £30 this year, i have not had any claims,

I have been looking about on the comparison sites,

MCE have come in at a great price, Has anyone on here used them ??

They were ok until I found that despite declaring the mod's on the TDM and them covering the bike the Mod's them-self were not covered. So that could be an issue.
TAM
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#67 Kang

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Posted 21 December 2011 - 04:17 pm

QUOTE(TDMTAM @ Mon 19th Dec 2011, 08:45 PM) <{POST_SNAPBACK}>
They were ok until I found that despite declaring the mod's on the TDM and them covering the bike the Mod's them-self were not covered. So that could be an issue.
TAM



Same has happened to me with adelaide, they did not care when i told them i had changed the pipes.
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#68 LewisBlackburn

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Posted 21 December 2011 - 11:04 pm

If you have declared modifications to them and they say there not interested, and then don't want to pay for them when it comes to claiming then you have a right to claim for them.

tell them that, if they put up a defence tell them you want the original calls pulling and listening too when you declared them. They will have to honour what you have told them you wanted insuring.

if not, escalate the complaint to the next level. and so on until you get a result.

#69 slartybartfarst

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Posted 24 February 2012 - 01:07 pm

Oh you have to love insurance.....

1: Renew car insurance. Previous year it asked for any claims in the last three years - so declared TDM stolen in 2008. This year though hooray no need to declare bike theft. Wrong now required to declare any claim in last five years ranting.gif

2: Renewed TDM cover. It had gone down a bit because of extra years no claims. Talked through cover on the line to one of Aunty Carols minions. So kept in 'locked building' he says, yep says I 'in a shed'. 'A wooden shed?' says he. Yes.... oh no.... I feared the worst. But no, according to my insurers they prefer a wooden shed to a locked building. No I can't figure it out either but it saved another £9, so no arguments from me. clapping.gif

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#70 divvxj

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Posted 26 February 2012 - 07:22 pm

swift cover wanted £385 for my audi this year ,no says i, got it for £215 with breakdown ,legal ,windscreen cover from kwik fit drinks.gif

#71 LewisBlackburn

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Posted 26 February 2012 - 11:02 pm

QUOTE(slartybartfarst @ Fri 24th Feb 2012, 01:07 PM) <{POST_SNAPBACK}>
Oh you have to love insurance.....

1: Renew car insurance. Previous year it asked for any claims in the last three years - so declared TDM stolen in 2008. This year though hooray no need to declare bike theft. Wrong now required to declare any claim in last five years ranting.gif

2: Renewed TDM cover. It had gone down a bit because of extra years no claims. Talked through cover on the line to one of Aunty Carols minions. So kept in 'locked building' he says, yep says I 'in a shed'. 'A wooden shed?' says he. Yes.... oh no.... I feared the worst. But no, according to my insurers they prefer a wooden shed to a locked building. No I can't figure it out either but it saved another £9, so no arguments from me. clapping.gif

Chris


Might be something to do with Sheds usually being in back gardens and Garage's having direct access to a road?

Thats my guess anyway

#72 Mikey B

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Posted 17 March 2012 - 09:30 am

Just had my quote through from Bikesure - £169 fully comp protected with 9+ years NCB with legal aid and personal cover for my TDM900. I also have to have business class 1 insurance because I work out of different offices.

Searched on the web - Hastings were £98 but would have to pay £20 for NCB protection, legal aid was included, £20 for personal cover.

So phoned back Bikesure to see what they could do.

All in for £115 - as before with NCB protection, business class 1, pillion cover, legal aid, personal cover. Did also declare I have Fuel cans and have a top box fitted.

#73 magneto

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Posted 22 March 2012 - 11:48 pm

I really do hope the pearly gates, and honourable retribution exist. Latest scam - If you prefer your local dealer to repair your bike then that will be £250 please. Check out the small print in your policy, Sir.
Our specialist repair centres can weld cracks, spray scratches, straighten bends, plastic weld, and all this within just 10 weeks from collection. Won't be a problem to you Sir as we can supply a loan bike at no cost. That is, no cost to you by the way. The £500 a week charge is made payable by the 3rd party's insurer, who's happy it's a relative pittance compared to complex medical/surgical/compensation costs most bike accidents incur.
What a *ucking world.

#74 jht

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Posted 30 May 2012 - 01:02 pm

Renew time
Aunty Carol, who's praises I have sung in the past, want an extra £115 odd

Thats with a years extra NCD and a now clean (& shiney) license?

WTF? ranting.gif

And apparently they no longer protect NCD until you have 4 years (sure as sh*t you use to be able to protect it after 3 years??)

So off I trot to the comparison sights
All cheaper and nearer last years premium, but without any of the things Aunty C includes as standard, add those option in and price goes ballistic!?

Aha I think, I havnt tried Moneysupermarket...

CIA is the only company that will quote me.... £9199.08

that'll be the mods I made to suspension/brakes & top box then hidden.gif

So looks like I'll be swallowing Aunty Carols price increase

Insurance = Legalised theft

Cnuts tdown.gif
Done: Homo sap navigation/ twisty thing on bars to make it go vroom/ grabby thing to make it stop (in front of twisty thing)/ 'leccy things front and rear to make it glow at night/ Sucky + drippy oiler thing to keep chains moist (!!) / Laser Pro Stock Race pipes / bleeding ear drums (see previous mod)
To do: Educate homo sap nav system to operate twisty + grabby things/ get ear plugs

All Trashed Now... Pants... its a Cat B Mwahahaha it lives again!!


Remember every driver is a deaf myoptic twat who is out to kill you, ALWAYS assume they are going to do THE most f*cking DUMBASS, STUPID manouver possible, at the worst possible moment; get past, and get past quick

#75 hallrob1

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Posted 30 May 2012 - 01:32 pm

QUOTE(jht @ Wed 30th May 2012, 02:02 PM) <{POST_SNAPBACK}>
Renew time
Aunty Carol, who's praises I have sung in the past, want an extra £115 odd

Thats with a years extra NCD and a now clean (& shiney) license?

WTF? ranting.gif

And apparently they no longer protect NCD until you have 4 years (sure as sh*t you use to be able to protect it after 3 years??)

So off I trot to the comparison sights
All cheaper and nearer last years premium, but without any of the things Aunty C includes as standard, add those option in and price goes ballistic!?

Aha I think, I havnt tried Moneysupermarket...

CIA is the only company that will quote me.... £9199.08

that'll be the mods I made to suspension/brakes & top box then hidden.gif

So looks like I'll be swallowing Aunty Carols price increase

Insurance = Legalised theft

Cnuts tdown.gif


You tried Ebike? - I used to be with them and declared all my mods (exhausts, power commander etc) for £150 inc breakdown.

It seems like they only want to cover riders and drivers with full no-claims nowadays.




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#76 Favs

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Posted 30 May 2012 - 02:09 pm

SNAP

Shopping around for insurance today.......

Old fart, prof. job (slightly higher risk employment I'm told), max NCB, divorced (x2), homeowner, also drives cage, no convictions/medical etc.
From CIA via MoneySuperMarket.....
alan , we've found 1 quote from £9199.08
This quote is based on a YAMAHA TDM 850 849cc (2000), Comprehensive cover, £0 Voluntary Excess and Claims Protected valid until 30 June 2012
Provider
Premium
Excess Hire Cover Key Cover Break down Personal Accident Legal Cover

Pay Annual
£9199.08


Voluntary:
£0
Compulsory:
£250

Had a phone call to say it's so high cos the bike is modified - see signature for mods. They don't cover ANY mods and will only return bike to standard so if your Givi luggage or whathaveyou gets swiped or wiped tough titty matey - ffs they wants £109 for a crap service wot don't cover me goodies


Bennetts = £65 fully comp & protected NCD

Edited by Favs, 30 May 2012 - 02:28 pm.

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#77 jht

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Posted 30 May 2012 - 04:04 pm

Interesting..
Last year Aunty C wanted £175, this year is £300

Bennetts want £160, covers up to 90 days in europe, but legal expenses, personnal accident, breakdown & helmet + Leather cover all extra, add to that I havn't phoned them yet re the mods to the bike...

Ebike came out at £199, includes legal expenses and 365 days European cover, but no european breakdown cover as bike has to be 10 years old or under

oh, and if I want to speak to someone they use a premium rate number @ £1.02 per minute....

Nah, I prefer to be able to speak to my insurance company if required

given that as far as I aware Aunty C includes european breakdown, legal cover, personnal injury cover, helmet + leather etc etc like for like she still may be the best deal

and it appears no one covers your NCD now until you have 5yrs +

Edit: Called Bennetts, painful 15 minutes on phone trying to explain the very simple mods made to bike, he obviously didnt have a scooby doo about bike & mods to them
Upshot, got to wait for response from underwriters to see if they will quote me but found out their euro breakdown didnt have an age exclusion)

If their premium doesnt change, then adding in their breakdown, legal cover etc package (£100) makes them £30 cheaer than Aunty C...

at which point I'd take the devil I know and send my business to Aunty

Edited by jht, 30 May 2012 - 04:31 pm.

Done: Homo sap navigation/ twisty thing on bars to make it go vroom/ grabby thing to make it stop (in front of twisty thing)/ 'leccy things front and rear to make it glow at night/ Sucky + drippy oiler thing to keep chains moist (!!) / Laser Pro Stock Race pipes / bleeding ear drums (see previous mod)
To do: Educate homo sap nav system to operate twisty + grabby things/ get ear plugs

All Trashed Now... Pants... its a Cat B Mwahahaha it lives again!!


Remember every driver is a deaf myoptic twat who is out to kill you, ALWAYS assume they are going to do THE most f*cking DUMBASS, STUPID manouver possible, at the worst possible moment; get past, and get past quick

#78 Favs

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Posted 04 June 2012 - 12:15 pm

[quote name='jht' date='Wed 30th May 2012, 05:04 PM' post='243742']
Interesting..
Last year Aunty C wanted £175, this year is £300


Similarly last year both bikes 180 from carole this year 271 - hmmm shoparound now and it's considerably cheaper to insure both bikes separately at 65 for the TDM and 88 for the Saturno

Favs

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2008 reg. Black TDM 900 ABS

 

 

 

#79 Rallyist

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Posted 04 June 2012 - 02:23 pm

I'm with Footman James just had my renewal come last year £248 this year £281 with all the crap going round at the moment I think that is acceptable for my 7 bikes on the policy including the Mk1.

For a challenging summer try the

Round Britain Rally.....  




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#80 Favs

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Posted 14 June 2012 - 08:17 pm




UPDATE

phoned aunty and dropped to 251 immediately - harangued a bit more as they had me down for class 1 business use rolleyes.gif now 230 -

0 voluntary excess - 225 compulsory xs

Called it a result and bought as it's working out at 80 odd more than two sep policies but included usual breakdown euro etc wot I wouldn't get with sep policies and of course the freebie marking system I don't want wots worth 30 of our great british pounds. blink.gif

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