Omega Owners Forum

Chat Area => General Discussion Area => Topic started by: PaulW on 05 April 2009, 04:02:59

Title: Motorbike Insurance... there 'avin a giraffe!!
Post by: PaulW on 05 April 2009, 04:02:59
My renewal is up in just over a month, so I'm doing a few online quotes (as you do) to gauge how much it will be...

Now, last year I paid the grand total of £87 with Bennetts for cover on my CG, having just done my CBT.  Only TPFT mind, but was upto 6000 miles, and covered the panniers too.  Worth noting I'm 27, been driving since 2000, no accidents or claims on either the bike or car, and currently have 6 points. SP50 in 2005, and SP30 in 2007), so its not like I can blame it on getting points or anything else between now and then.

Now, 12 months down the line, I have 1 years NCB on the Bike...  Quotes are ranging from £110+, and thats without adding the Panniers in!!  With them, prices sky rocket (and I'm not joking here) going upto £10009!!!!!

Bennetts are even quoting online £148 now...

Bloody ridiculous!!  I can't wait to see what the actual renewal cost is when the letter arrives...  I know they always try it on when it comes to renewal (my car insurance is usually always £300 more than quotes elsewhere)

 >:( >:( >:(

Just to show, here is the £10009 quote...

(http://i130.photobucket.com/albums/p266/PaulW21781/Honda%20CG125/d8531df9.png)

madness!!!!
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Plomien on 05 April 2009, 08:37:33
the policy shop always give very random quotes, kwik fit when used for the miggy weren't bad though :y
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: TheBoy on 05 April 2009, 10:01:33
I have always found Carole Nash to be fairly competitive.

When I had 125 many years ago, AA were quite good as well :y
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: stuart30 on 05 April 2009, 10:48:20
Quote
the policy shop always give very random quotes, kwik fit when used for the miggy weren't bad though :y


I very nearly used kwik fit on the Omega...however the 47 comments with everyone negative made me shop elsewhere. :y
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: tunnie on 05 April 2009, 12:41:25
think i mentioned mine, i am paying £350 on the Yam MT, thats with unlimited millage and a few other goodies.

Fully comp, 24 years old, first bike, and 1 claim about a year ago  :y
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Marks DTM Calib on 05 April 2009, 12:55:38
And the excess is?
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Lizzie_Zoom on 05 April 2009, 13:09:31
Quote
Quote
the policy shop always give very random quotes, kwik fit when used for the miggy weren't bad though :y


I very nearly used kwik fit on the Omega...however the 47 comments with everyone negative made me shop elsewhere. :y

Wise move Stuart as they would bugger up the insurance as well no doubt as they bugger up the cars themselves!! ::) ::) ::) ::) :D ;)
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: tunnie on 05 April 2009, 13:40:40
Quote
And the excess is?

£250
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Pitchfork on 05 April 2009, 14:44:02
Quote
I have always found Carole Nash to be fairly competitive.

When I had 125 many years ago, AA were quite good as well :y
Me too on the Ariel Golden Arrow
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Chris_H on 05 April 2009, 16:57:46
I
Quote
have always found Carole Nash to be fairly competitive.

I liked Carole Nash until I had to claim for an own-faulter.

They hiked the premium and I still get quotes from them just to have a laugh.  They quote 100's over 'normal' just for me.
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: PaulW on 05 April 2009, 17:17:53
Carol Nash quoted me £164  :(

Swiftcover... £78.75 with a £300 excess (so better but not great purely because the excess is half of what the bike is actually worth)

Also tried The Bike Insurer - but looks like they are exactly the same as swiftcover (same prices, quote engine, etc) But neither Swiftcover or BikeInsurer had an option to add Panniers...
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Lizzie_Zoom on 05 April 2009, 17:24:38
Quote
My renewal is up in just over a month, so I'm doing a few online quotes (as you do) to gauge how much it will be...

Now, last year I paid the grand total of £87 with Bennetts for cover on my CG, having just done my CBT.  Only TPFT mind, but was upto 6000 miles, and covered the panniers too.  Worth noting I'm 27, been driving since 2000, no accidents or claims on either the bike or car, and currently have 6 points. SP50 in 2005, and SP30 in 2007), so its not like I can blame it on getting points or anything else between now and then.

Now, 12 months down the line, I have 1 years NCB on the Bike...  Quotes are ranging from £110+, and thats without adding the Panniers in!!  With them, prices sky rocket (and I'm not joking here) going upto £10009!!!!!

Bennetts are even quoting online £148 now...

Bloody ridiculous!!  I can't wait to see what the actual renewal cost is when the letter arrives...  I know they always try it on when it comes to renewal (my car insurance is usually always £300 more than quotes elsewhere)

 >:( >:( >:(

Just to show, here is the £10009 quote...

(http://i130.photobucket.com/albums/p266/PaulW21781/Honda%20CG125/d8531df9.png)

madness!!!!


I have spent a lot of today Paul trying to understand how an insurance company can calculate a premium of £10,009!! :o :o :o :o

I believed those premiums were reserved for the likes of Ferrari's, Lamborghini's or Bugatti's, not motor bikes! :o :o :o :o

Ten thousand and nine pounds; how, when, why, what......???? :-? :-? :-? :-? :-? :-?  
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: PaulW on 05 April 2009, 17:26:09
Quote
Quote
My renewal is up in just over a month, so I'm doing a few online quotes (as you do) to gauge how much it will be...

Now, last year I paid the grand total of £87 with Bennetts for cover on my CG, having just done my CBT.  Only TPFT mind, but was upto 6000 miles, and covered the panniers too.  Worth noting I'm 27, been driving since 2000, no accidents or claims on either the bike or car, and currently have 6 points. SP50 in 2005, and SP30 in 2007), so its not like I can blame it on getting points or anything else between now and then.

Now, 12 months down the line, I have 1 years NCB on the Bike...  Quotes are ranging from £110+, and thats without adding the Panniers in!!  With them, prices sky rocket (and I'm not joking here) going upto £10009!!!!!

Bennetts are even quoting online £148 now...

Bloody ridiculous!!  I can't wait to see what the actual renewal cost is when the letter arrives...  I know they always try it on when it comes to renewal (my car insurance is usually always £300 more than quotes elsewhere)

 >:( >:( >:(

Just to show, here is the £10009 quote...

(http://i130.photobucket.com/albums/p266/PaulW21781/Honda%20CG125/d8531df9.png)

madness!!!!


I have spent a lot of today Paul trying to understand how an insurance company can calculate a premium of £10,009!! :o :o :o :o

I believed those premiums were reserved for the likes of Ferrari's, Lamborghini's or Bugatti's, not motor bikes! :o :o :o :o

Ten thousand and nine pounds; how, when, why, what......???? :-? :-? :-? :-? :-? :-?  

And don't forget, the CG is a 124cc 4-stroke incapable of going above 65mph  :-/
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Lizzie_Zoom on 05 April 2009, 17:34:04
Quote
Quote
Quote
My renewal is up in just over a month, so I'm doing a few online quotes (as you do) to gauge how much it will be...

Now, last year I paid the grand total of £87 with Bennetts for cover on my CG, having just done my CBT.  Only TPFT mind, but was upto 6000 miles, and covered the panniers too.  Worth noting I'm 27, been driving since 2000, no accidents or claims on either the bike or car, and currently have 6 points. SP50 in 2005, and SP30 in 2007), so its not like I can blame it on getting points or anything else between now and then.

Now, 12 months down the line, I have 1 years NCB on the Bike...  Quotes are ranging from £110+, and thats without adding the Panniers in!!  With them, prices sky rocket (and I'm not joking here) going upto £10009!!!!!

Bennetts are even quoting online £148 now...

Bloody ridiculous!!  I can't wait to see what the actual renewal cost is when the letter arrives...  I know they always try it on when it comes to renewal (my car insurance is usually always £300 more than quotes elsewhere)

 >:( >:( >:(

Just to show, here is the £10009 quote...

(http://i130.photobucket.com/albums/p266/PaulW21781/Honda%20CG125/d8531df9.png)

madness!!!!


I have spent a lot of today Paul trying to understand how an insurance company can calculate a premium of £10,009!! :o :o :o :o

I believed those premiums were reserved for the likes of Ferrari's, Lamborghini's or Bugatti's, not motor bikes! :o :o :o :o

Ten thousand and nine pounds; how, when, why, what......???? :-? :-? :-? :-? :-? :-?  

And don't forget, the CG is a 124cc 4-stroke incapable of going above 65mph  :-/

That makes it even more incomprehensible!! :o :o :o   Do these bikes have a poor crash record? :o :o :-? :-? :-? :-?
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Black Knight on 05 April 2009, 17:43:43
I'll give you a tip. Never ever ever ever ever ever, go with Bennetts.

They are absolute clowns.

I use, carole nash, ebike or CIA. Never had any problems.
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: Chris_H on 05 April 2009, 20:06:05
I've been with Bennetts for the last three years.  See above for my view on Carole Nash.

Funny old world eh?
Title: Re: Motorbike Insurance... there 'avin a giraffe!!
Post by: PaulW on 07 April 2009, 10:55:42
Well the Bennetts renewal letter came through today... £136.75  :-/

I'll give them a call later on once I've got even more quotes.  So far the best they have to beat is the £78.75...  Oh and Bennets have also upped the Excess by another £100 to £350 now...

To be honest through, I may just change to either AA or DirectChoice, as there quotes were cheapest and also have less of an excess compared to Bennetts...  Be easier too than being on the phone for ages seeing if they will match it...