Insurance - What do you pay?

Black Knight · Post by **Black Knight** » Mon Dec 18, 2006 11:43 am

I need to get my baby insured so have been ringing round this morning.
So far

Devitts
MCD
Carole's Gash

CIA
and BMW

I'm 26, bike's garaged, 2 yrs no claims. Best I've got so far is £576 with all the extra's.

I know insurance is different for averyone but is anyone particulally cheap on beemers?

Who do you use and how much?

Thanks

Stevie · Post by **Stevie** » Mon Dec 18, 2006 12:00 pm

I believe that one of the biggest factors after age is post code.

I have a rural. low-risk post code, I'm over 40, and I have both an R1100S and a R1200S on the insurance through Carole Nash. Cost was £230.

I'm pretty sure they are amongst the cheapest as I have a cheapskate Lancastrian for a wife who will happily send the best part of a week phoning round for the best quote.

Steve W · Post by **Steve W** » Mon Dec 18, 2006 12:22 pm

Try ebike - they are were the cheepest for me.

http://www.ebikeinsurance.co.uk/

Steve

Dog Tyred · Post by **Dog Tyred** » Mon Dec 18, 2006 1:06 pm

Yeah, that time of year for me as well

Renewel quote from Carol Nash came in at about £350 but phoned them up and managed to get it down to £307

Thats FC including breakdown cover, etc on a 2002 BCR with two years NCB.

Tried a couple of others, including BMW Insurance who wanted £575

but CN seemed to be the most competitive.

Like Stevie said, post code is important as well as age.

Good luck

Nu2

Black Knight · Post by **Black Knight** » Mon Dec 18, 2006 1:46 pm

Well im a 'B' grade postcode so thats good.

Tried ebike, got it down to £464 that includes an little 125 suzi i've got too.

Interestingly, changed the start date to Jan.....Saved £50!

Not taken it out yet, gonna see if the 125 will pass an MOT, if not, i'll not bother insuring it, its only worth a couple o hundred anyway. Not insuring it should bring the price down to about £360 inc legal and breakdown

Bit better than the £896 I got quoted from BMW!

POB · Post by **POB** » Mon Dec 18, 2006 2:44 pm

Try MCE (insuremce.com ?) - they have always been cheap for me.

winger · Post by **winger** » Mon Dec 18, 2006 4:41 pm

Carol Nash as well,it's not just the cheapo insurance but all the bits and bobs when you go abroad like medical insurance thats valid on a bike!!

But 2 years no claims!!!,one presumes you've been throwing yourself down the road at some time!!!

Stu · Post by **Stu** » Mon Dec 18, 2006 5:31 pm

Try Bennets they are cheap for me

Black Knight · Post by **Black Knight** » Mon Dec 18, 2006 5:46 pm

winger wrote:Carol Nash as well,it's not just the cheapo insurance but all the bits and bobs when you go abroad like medical insurance thats valid on a bike!!

But 2 years no claims!!!,one presumes you've been throwing yourself down the road at some time!!!

Once or twice but never claimed, its just what Ive got, only been riding two years!

oyster · Post by **oyster** » Mon Dec 18, 2006 6:41 pm

Definately postcode and age - and record! I used http://www.ebikeinsurance.co.uk/ , about £110. Dont forget to print off the document!

izustu · Post by **izustu** » Mon Dec 18, 2006 6:56 pm

Bennetts managed a reasonable £330 for my S.

Croydon area, 38 years old and 4 years NCD.

They don't consider my workshop to be a garage so that up's the prem a bit.

Simon

madman · Post by **madman** » Mon Dec 18, 2006 7:35 pm

Around £90 each for mine and Judes, but it is much cheaper here in France. Did I tell you how much the road tax on both bikes and the car is? £0 as we don't have that here either.
Sorry folks, just had to say it.

BockingBandit · Post by **BockingBandit** » Mon Dec 18, 2006 7:54 pm

Black Knight,.. just to make you feel better, .... Age 40+, 7 years NCB, full licence 28 years, .... £1,126.00 per annum,.. third party only.

bigkev · Post by **bigkev** » Mon Dec 18, 2006 8:25 pm

when i got my bike i rang swinton £240 fully comp , then again iam old and live out in the sticks , mind a pal of mine rang H&R (their in mcn) they were mega cheap they also work car no claims aswell , so if you have afew years no claims on your car that works for you with them.

kev

andrew s · Post by **andrew s** » Mon Dec 18, 2006 9:58 pm

Just paid £170 for my brand new bike with Devitt DA (BMW insurance) fully comp, and if I add another BMW it only costs £10.50 for each bike up to 4 bikes.

Andrew