French Runners 2006

My car insurance is a *lot* more than my bike insurance. mainly due to
having a car written off last year by Jennifers "friend".

--
Adie
(replace spam with nickname to reply)

UKRM FAQ: http://www.ukrm.net/faq/

Triumph 955iSS / ZX9R / GSF1200 bandit (for sale) / CG125
MRO#11 BOTAFOF#7 BOTAFOT#130 DIAABTCOD#17 MIB#24 YTC#16 BOB#15 ex-UKRMMA#22 BOMB#11

 

Not according to the broker I dealt with last year when I asked
whether a bike theft in 2002 would count against me when sorting
out car insurance.

It's a bit like asking whether house contents count against your
bike insurance, or road accidents affect your travel insurance.

The only safe answer, otoh, is "ask the broker/insurer"

 

frag wrote

**** if todays phone call is anything to go by.

Me "How fucking much?? FFS I only want to add the GS for another 2
months until renewal time and not for the next ten years."

Auntie Corole "Erm, well you see the actual cost of insurance is
minimal, hardly anything at all really, less than a fiver probably, the
rest is our broker fee."

 

Same here when I called to add the moped [1]. It was cheaper to just swap
it over...

I don't know how any broker justifies £30 for, basically, pressing some
buttons...

[1] The 450 looks like a moped wif me on it......
--

Cheers!
Fr Jack
96 Tiger (sold - to be collected), 90 CB450DX
FRJACKUKRM AT GMAIL DOT COM
skype: fr.jack (without the dot)
We'll open up your eyes, just to check that you're asleep, again

 

Emailed. Never saw the first post, on account of being in France,
like.

We did the run along the Semois again on Saturday on our way home -
just as pretty as before.

 

Company car?

 

Some do, some don't.

One company increased my car insurance from 350GBP to >900GBP
when I mentioned that my bike had been knocked over (while
parked) by a third party.

Me: "But it's another vehicle, insured on another policy, and
it's nothing to do with the policy you're issuing."

Droid: "But it's part of your driving history."

Me: "How can it be part of my driving history? It was parked! I
was in my flat at the time!"

Droid: "OK, but it's part of your *motoring* history".


OTOH Churchill, when I told them about this incident, couldn't
understand why I was telling them, as incidents concerning my
bike were nothing to do with a car policy.

I insured with Churchill.

<fx: nods>
Ohhhhh, yes yes yes yes yes!


--
<8P Wizard
Suzuki GS550 "I like that. Nicely shite" - TOG
BMW 520i (to make Oldbloke jealous)
ANORAK#17b BOMB#19 BOTAFOT#138 BREast#5 COFF#24
COSOC#8 DFV#11 STG#1
Remove location from email address to reply

 

Wizard wrote

Auntie Carole and I were discussing this yesterday in respect of their 6
wheeler policies and they said that when you start with them you take
both bike and cage bonuses and aggregate the two.

We didn't discuss what they do in the event of a subsequent claim
though. I suspect it involves extra cost either way.

 

Neither Churchill nor Collonades gave a **** about any of the bike
crashes I'd had. Bless them.

 

Wizard scribbled:

They don't let me use my no claims bonus on both policies at once, so I
don't tell them anything about any other policies.

If they want to keep part of the insurance policies seperate, I'll keep
them both totally seperate.

Its nice to know some companies out there have their heads screwed on
properly.

The view! The view!!

 

steve auvache scribbled:

Interesting, I'll have to give them a bell next time the car's up for
renewal.

Reduction of NCB increasing car&bike premiums?

 

frag wrote

Give the others a a bell as well, from what I have seen on here they are
not always the most competitive on the block. Depends what group they
make their money from really and if you fall in it or not.

Yuss, they take 5 years off the total and if that leaves you with less
than 5 years your premium goes up accordingly next year is exactly how
they are doing it this week.

 

AAAAAAAAARRRRGGGGHHHHHHH!!!

What a shitter, mate. I'm expecting your usual "It's only a bike"
response, but it's not the same as if some blind, ham-fisted twat of a
driver had skittled it in Tesco's car-park or you'd slid it up the road
yourself, is it?

I was utterly pissed off when the Triumph got blown over in high winds
once, far more so than when I highsided it...
:-(

 

If noone else has mentioned it, check your *household* ins pol. Mine
surprised me recently when I learned that it covered me for damage/theft
to my bike (or any other vehicle owned by me) on the driveway.

 

*ahem* see my reply elsewhere in this thread...

 

I was quite surprised recently to learn that in CH it does exactly
this. Protected means no loading, no increase, no nothing.

Which is nice.

--
_______
..'_/_|_\_'. Ace (brucedotrogers a.t rochedotcom)
\`\ | /`/ GSX-R1000K3
`\\ | //' BOTAFOT#3, SbS#2, UKRMMA#13, DFV#8, SKA#2
`\|/`
`

 

steve auvache scribbled:

Yup. I got the AT insured with Bennetts then two weeks later got the
VStrom, the underwriter wouldn't cover me on the VStrom so had to take
out new policy.

Had to stick with Bennetts since they were the last insurers I used and
will let me carry on my 2 years NCB from just over 2 years ago, no one
else will.

Got a brilliant quote from EBike insurance, they do multi bikes as
well, but they're a brand new company so I'll see if they're still
around and still competitive next year.

I also imagine its a strong tie in as well, how many other insurers
will let you "split" the NCB from Auntie Carol onto seperate bike & car
policies?

 

frag wrote

snip

Unfortunately they do seem to conduct their business in such a way that
you are effectively locked in to them if you make a claim. Which, from
my POV is a bastard as this round I was intending to see what the market
could offer me[1] anyway.


[1] Postcode, age, number of years in the saddle all this stuff adds to
the discounts but even with my new claim on the books AC are still
discounting me to the point where they simply won't give me any more.
Time to look around methinks.

 

You still have to declare it as an accident when you take out new
insurance. I'd also have a problem because my company would laugh and
tell me to **** off.