Insurance comparison, price for this in the UK

Can anyone be kind enough to tell me how much would this cost to me if I
lived in the UK? Just a matter of comparing with Spanish prices (the figures
given are how much I'm paying in euros now, with a 50% discount from
standard price).

34 years old driver, bike driving license for 9 years, never had an accident
(that affected my indurance). Bikes to insure:
'96 Yamaha YZF1000R Thunderace (500EUR)
'95 Peugeot SV125 (150EUR)
'92 Honda XR600 (90EUR, off-road is cheaper)

Also, each vehicle in Spain pays a yearly "driving tax" to the local city
hall. In Barcelona it costs me 125, 10 and 70 EUR for those bikes (say 150
for an Audi 100/A6). Is that similar to that MOT thing I've read here? Does
MOT depend on the city or is it equal for all the UK. To finish comparison,
is there some sort of vehicle technical inspection (ITV) in the UK? This
adds some 20 to 50 EUR per bike or car every year.

 

Insurance rates in the UK vary _massively_ depending on location, so
you're unlikely to get a good comparison. But the 'ace, at least,
sounds like it's in the same ball park as it might be in cheaper parts
of the UK. Also you don't say if you're talking about all risks,
including accident damage (known as 'fully comprehensive' in the UK)
or some lesser degree of cover.

The MOT is an annual test, with a fee payable for it. Road tax,
however (officially called 'Vehicle Excise Duty') is payable on all
vehicles and is fixed throughout the country. Last I recall it was
about £160 for cars and £65 for bikes, but a) I could be wrong, and b)
they've possible gone up since then.

To finish comparison,

 

That insurance only covers damage to others and to the riding pillion. I pay
an extra 108 EUR for personal damage and there is no f*cking way to insure a
bike against theft or self damage :-(

Will go to bed wiser, thanks!

So, it is the Spanish ITV.

Same price for all vehicles? In Spain it is calculated on "potencia fiscal",
a funny formula that counts engine displacement, number of cylinders and
raising some value to the power of 0.6 (could'nt they have used a simple
square root or power of 0.5?)

 

I wouldn't even be able to guess this for you. If you are really
interested you could get an online quote from someone like
http://www.bennetts.co.uk/ but you would need a UK address - and the
particular address will vary the cost as well.

No, MOT is something else (see below). We have something called Vehicle
Excise Duty (normally called Road Tax). It's payable annually or 6
monthly. For cars it varies according to emissions or engine size
(depending on age of car). For bikes it depends on engine size. It is
standard across the country.

Details:
http://www.dvla.gov.uk/vehicles/taxation.htm#Motorcycles

The MOT test is the road worthiness test. It only applies to vehicles
over 3 years old and is annual there after. There are standard fees for
cars and bikes.

Details:
http://www.vosa.gov.uk/vosa/motorcycleowners/mottesting/mottestfees.htm

 

Domènec emerged from their own little world to say

Ace is a little out of date. The rates for cars vary from £75 to £165 using
a CO2 emission figure for newer vehicles and engine size for older ones.
Bikes vary from £15 to £60 depending on engine size.
http://www.dvla.gov.uk/vehicles/taxation.htm

 

ICBW, but would it be possible to insure a bike at a UK address and then
get them to do an extended "taking it abroad" cover? My insurance covers
me TPFT anywhere in Europe but for only 4 weeks of the year. It just
might be possible to extend it? But upon thinking, doing it for a year
would probably be pushing it.

 

Indeed. Although who's going to tell them? I left the Volvo on UK
plates and insurance for nearly two years when I first came here - the
first year was quite legitimate, as Jude was still in the UK house,
but once we'd moved here permanently I had to re-register the car so
it would have been invalidated anyway.

Besides which, Insurance is cheaper in most other EU countries, from
what I can gather, so what would be the point?

 

Ok, that's what better fits my interest.

I'll try different places and try to guess why prices vary. Where does Bear
live?

Ok, thanks. Our ITV starts on the 3rd to 5th year (depending on vehicle
type, taxi, car, bike) and then may be every 2 years, 1 year (the older the
vehicle) or even 6 months (taxis)

 

Dunno. If Domènec was comparing prices of UK to Spanish insurance then
yes but I thought he wanted to get a UK quote because it might be
cheaper and then use that cover to ride abroad.

 

Ace wrote:

If you were only planning to be away for a couple of years then you
might want to keep your UK NCB ticking over so that you don't get
royally screwed when you come back.

Of course if it's that much cheaper elsewhere in the EU then it would
be cheaper to get a SOV5 and insure that in the UK and insure your
pride and joy wherever you happened to be living.

 

yes but I thought he wanted to get a UK quote because it might be
cheaper and then use that cover to ride abroad.

Er, no, I actually wanted to get up-to-date prices for comparing. I have a 5
years old magazine article that points to insurance being more expensive in
Spain.

Is a bit long to explain, but if someone else hits you, it is your
insurance, not his/hers that will pay it (there is a consortium of
companies, they have some sort of compensation at the end of the year). It
is stupid and expensive, and there is some sort of Mutua Motera projecy that
want to get "who causes (the car) damage pays for it (not the bike)"
insurances in the style of the French Motards en Colere insurance company.

 

Bloody hell, that's rough! What's to stop someone driving into you
because they need the money?

Try some of these then. It's not only the area you live but quotes from
company to company vary wildly, too.

http://www.google.co.uk/search?
hl=en&safe=off&q=online+motorcycle+insurance+quotes&btnG=Search&meta=cr%
3DcountryUK%7CcountryGB

 

It's similar here in Ontario. If someone hits you, and you are clearly
blameless, then your insurance pays out to repair your bike or car. The
thinking is that it's cheaper than having the two companies arguing the
toss about payment and that it pretty much balances out over time.

It happened to me last year when I was SMIDSY'd; it was a completely
painless experience and, more importantly, had zero impact on my
insurance record.

 

So if you're walloped and it's no fault of your own, then your insurance
pays for your own repairs and because you're blameless your NCB or
equivalent is unaffected?

If that's the case then it would seem to be the better option, not only
saving money by less buggering about but time as well.

 

My bike was fixed in less than a week and the cheque for my damaged
boots came in a few days later.

 

That's how it should be then. I won't pretend to know how insurance
works but this sounds like a better idea.

Bargain!

 

Let's hope they're still fighting it out in April

 

"Whinging Courier" <> escribió en el
mensaje

because they need the money?

Er, no, I mean, man on a car hits my bike on his fault. We do an insurance
report, both companies agree, and to speed things up it is MY company who
pays repairing my bike. At the end of the years all the companies in the
consortium do some adjustments, but basically it is my company who pays for
the damage that others make to me, so they raise my insurance fee. Stupid,
but that's the way it is.

 

Could'nt express it better, sir.

 

pays for your own repairs and because you're blameless your NCB or
equivalent is unaffected?

Heh! In Spain some friends who had accidents on the other part's fault, had
seen their insurance fees raised. Cool, isn't it?