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[Lazydocker]

Omega insurance is up for renewal at the end of the month. I've done the usual comparisons and searching (incredibly organised for me as I usually leave it till the last couple of days ) and can't believe that the renewal premium is actually the cheapest quote I can get anywhere It's even £10 cheaper than as a new customer with them

So a big to Swiftcover for finally realising that they can't rip people off for being too lazy to check

[feeutfo]

i'll look into it, need to get away from direct lines bs.

[Lazydocker]

i'll look into it, need to get away from direct lines bs.

Condition of LPG cover is it must be fitted by a professional... I told them it was fitted by a Mechanic (which I used to be) And they were fine.

Yours has a safety certificate so you'll be fine

Incidentally, they were also cheapest last year and only charged me an additional £8 for full business cover

[tunnie]

just done the same on the beemer, going to pay the policy off in full to avoid stupid rate APR.

Its my for my second year on the bike, gone from 660cc to 1200 BMW, added Pillion & commuting which did not have on previous policey, and its gone down £100 

[Lazydocker]

just done the same on the beemer, going to pay the policy off in full to avoid stupid rate APR.

Its my for my second year on the bike, gone from 660cc to 1200 BMW, added Pillion & commuting which did not have on previous policey, and its gone down £100 

I'd expect it to go down... You've gone from no NCD to 1 year (normally approx 30%)

Having been driving for 14 years my NCD doesn't get any better now

[tunnie]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

[TheBoy]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

Glad mine is nowhere near that - that would blow out the cost benefits for me

[tunnie]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

Glad mine is nowhere near that - that would blow out the cost benefits for me

Its not much more than the Yam i had before, that was £550 when i first took the policy out 

Reckon if i use it in the summer and commute from Surrey, i'll save about £10/15 per day....

But at the end of the day its just a toy  8-)

[tunnie]

should add, could have gone down to £350, if i had not added commuting and pillion

[Chris_H]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

I can't get my head round "excess protection".  What's the difference between that and no excess?

[tunnie]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

I can't get my head round "excess protection".  What's the difference between that and no excess?

I have an excess, think its £300. The protection is protection for it, if:

someone uninsured hits me
someone crashes into me and drives off
if i drop it all by myself in the garage / scrape it on the wall or what ever

Works out at £1.50 a month, if i have to claim, i get the excess back

[TheBoy]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

I can't get my head round "excess protection".  What's the difference between that and no excess?

nothing

[TheBoy]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

I can't get my head round "excess protection".  What's the difference between that and no excess?

I have an excess, think its £300. The protection is protection for it, if:

someone uninsured hits me
someone crashes into me and drives off
if i drop it all by myself in the garage / scrape it on the wall or what ever

Works out at £1.50 a month, if i have to claim, i get the excess back

All will still bugger your insurance next year, to the point you won'y give a monkey's nipple about £300

[Lazydocker]

true once it gets down to a certain amount its going to stay there. Just about to pay £450 for this year, thats unlimited mileage, unlimited green card use, insured keys, excess protection (get excess back, if i say drop it myself) and as mentioned, pillion and commuting 

I can't get my head round "excess protection".  What's the difference between that and no excess?

I have an excess, think its £300. The protection is protection for it, if:

someone uninsured hits me
someone crashes into me and drives off
if i drop it all by myself in the garage / scrape it on the wall or what ever

Works out at £1.50 a month, if i have to claim, i get the excess back

All will still bugger your insurance next year, to the point you won'y give a monkey's nipple about £300

Yep... But paying the £300 will too. Only way around it would be ... .. .... ... ... ....... .., which is illegal

[Kevin Wood]

Ahh, that's better.