Insurance..... wtf!?

My insurance is up for renewal this month, so I'm in the middle of doing
the usual quotes:

VFR by itself - fully comp - £146

Add the Hongdou - £315

WTF is that about then?

 

The Hongdoh is a scrote magnet, like all off-road bikes.

 

Seriously considering getting shot of it if it's going to put a 100%
loading on my premiums. It's just not worth keeping for the amount of
use it gets.

 

Did you try getting a quote for it on its own? That should tell you if
it's the culprit. I'm pretty sure it is, though.

 

Did that last year and yes, it is the culprit.

Managed to get it for about £210 for both last year, but I've run
another couple of quotes which are coming back at over £300 this year.

Cunts, the lot of 'em.

 

Strange, though, considering my Honda SL125, also a dirt bike (albeit 30
years older) didn't cost me anything to add to my classic policy.

 

Lots, 'cos I can't use my NCB on it.

 

message

When I tried to add the KLE to my GPZ insurance with Devitts the premium
would have jumped from about £80 to over £200 TPF&T.

They class it as an off-roader (ha ha). My argument that I wanted it simply
to negotiate the pot-holes and speed bumps on roads around Bedfordshire and
there was as much chance of me taking it off road as there was of me being
the next man on the moon held no sway.

 

In

K100RS 100 quid FC full NCB

F650 130 quid FC building a NCB

never priced them together

 

K1100LT, K75RT, ZXR750H1, '62 5TA, about 110 TPF&T.

Hah. The benefits of being on the cusp of middle age.

 

wrote in 4ax.com:

Corrected



--
wessie at tesco dot net

BMW R1150GS

"Wessie is a lovely man with many wonderful qualities" TM Blaney

 

And as the sole modern bike that I was running last year, my DR-Z400
wasn't on my classic policy but only cost me £90.

 

You can only use it on 1 bike at a time.

 

The insurance industry make the rules and they say it can only be
applied to one policy at a time.

I have often wondered if the same insurer might split an NCB between 2
policies though. putting a couple of years onto one and the remainder
of the years onto another..

 

You can guarantee not, if they stand to lose out on the money they'd
make by not doing that.

Greedy, greedy bastards, the lot of them.

A typical case is the reluctance by most insurance companies to issue
multi-vehicle policies for a single-owner/driver of a mixed fleet of
cars/vans/bikes [1]. I'm utterly certain there will be an underwriter
somewhere that would take it on, but it's the finding of him that's the
problem.

[1] Basically a trade policy for private use.
--
Dave
GS850x2 XS650 SE6a

Teach a man to fish and he and his pikey mates will have the
river cleaned out in a day.

 

This annoys the **** out of me because if I have a smash in my company
van and it results in a claim being made then my bike insurance goes
up yet I don't get any extra ncb if I don't wreck the fucking thing.

 

GPZ 750 Turbo, 850 Guzzi, 3x250 MZs about £250 FC - no garage, South East
and banned.

Hah, The benefits of shit bikes.

 

GSXR1000 - £2500 FC - garage, Home Counties and only one endorsement.

 

In

£2500 !!!!! Feck

 

Equity Red Star consistently quote me exactly £9999.00 which is
officially the highest quote I've ever had (surpassing the £8k I was
quoted on a Monster 900 about 7 years ago, though that was the _only_
quote I was able to get at the time.)