Insurance -Again!

[tommytool]

It's that time of year again - both bikes insurance due. As all I did last year was pay an extension fee to the insurance for the tigers I now need quotes for the GTR and an ancient tiger.

Is it me or do these multi-bike policies seem a ripoff considering I only ride one at a time and the other is safe as Fort Knox.

I'm ringing round this week. Any recommendations would be appreciated. I'll put a table of quotes on here once they're all in.  I know each policy is different but ball park figures all help.

Can't help but think that insurance should be the next financial service that gets hauled in. Serious business for us but companies fronted by meerkats, compario, confused clara and Paul  :shit:house trivialise something which for us is fairly important don't yer think.

Still at least we ain't got Sheila's :censored:Wheels now equalities kicked in - sorry Debs! Not surprised the premiums have all gone up instead of finding an equilibrium between the sexes though.

Think ill start ringing round when the tablets start working - in the meantime a few recommendations would be rewarded with 1000 nectar points and a meerkat toy!

Party On !

[Lonewolf]

I've always found Adelaide insurance in Northern Ireland to be extremely professional and reasonably priced. 

[flatfour]

I've used Footman James for years - always seems very reasonable  for a multi - bike policey and includes european wide recovery, medical assistance and some cover for europe etc.

[O.C.]

It really is a case of shopping around....it used to be that you sorted your insurance, and if you didn't have any claims within the year then your premium automatically came down and your NCD went up, but not anymore

There simply isn't any customer loyalty anymore from Insurance companies as they are clearly out to screw as much out of customers as possible

These days I just use whoever has the best deal for my bike and my car, and if it means changing from my existing company then so be it. The only exception being that I tend to stay with Peter James for my classic bike insurance.

[tommytool]

Just done Adelaide as per LW wise words.
£386.23 GTR only inc UK breakdown
£450.00 includes my 2003 50k miles tigger
They will price match if I send em the evidence. As you say OC - they are bloody vultures.

[Winston Smith]

 

I used to swear by The Policy Shop - first class service until IAM Insurance through Adelaide beat them hands down.

The Beemer is however insured through Motorrad Services as IAM couldn't touch them.

Ring round and see who does the best policies both multi-bike and singularly.  You may find any bonuses only apply to one machine if you don't take a multi bike.

I had multi-bike for a Blackbird and Pan through IAM and they were unbeatable.

Did same with 1400GTR and 1200GS as the policy was mid-term but swapped before renewal time

[100milesaway]

I just go onto MCN compare, then go with the cheapest quote, coz I recon they are all the same

[tommytool]

Given up for today - try again in a couple of days. MCE take the award for profligate greed though. I'm quoted £575 premium and a £550 comp excess for both bikes cover. When I tell em the lowest quote (£386 from Adelaide ) the pick-pocket (sorry, sales executive) says he can match it if I send in proof.

OC's absolutely right, these companies are out for all they can get. BTW, Carole Nash brokers fee is £39.00 - this is their "wriggle room" for exact same policy matching. I'm with them at  the moment but as they claimed a GTR1400 doesn't exist and I have a ZZR1400 !!!!! I ain't that sure they know their  from their elbow!

Oh yeah - this is the guy who took Direct Line to the FSA insurance ombudsman, waited 6 months for adjudication but got £400 compensation which DL claimed I wasn't entitled to.

I don't look forward to dealing with these low-life's as you can tell!

[doebag]

I'll give a thumb's up for Adelaide as well. I do shop around, but they always come up trumps for me. I have my car and bike insurance with them at the moment.

[patrick]

I'll give a thumb's up for Adelaide as well. I do shop around, but they always come up trumps for me. I have my car and bike insurance with them at the moment.

I'll second this. I've renewed twice now with Adelaide and find their service 1st class.

Coincidentally I've rung them to day for a quote under their "IAM Families" scheme for Pam's Fiesta. To add me as a named driver, and to add cover for Pam to drive to more than one place of work the initial quote is around £50 less than her initial web trawl.

[Essex Boy]

As an Insurance Broker in Lloyd's and in no way connected to the Motor Insurance industry (so don't shoot me) I would just say be careful about what you buy. Companies such as Quinn in NI caused some SERIOUS problems last year.

MCE just quoted me £447 for the GTR and ZZR but for a  15 moth policy.....can't beat that elsewhere ! 

EB

[patrick]

As an Insurance Broker in Lloyd's and in no way connected to the Motor Insurance industry (so don't shoot me) I would just say be careful about what you buy. Companies such as Quinn in NI caused some SERIOUS problems last year.


EB

Does "Quin" have any connection to Adelaide?

[alibx11]

Quinns are nothing to do with Adelaide insurance they were a builders merchants who expanded and it's their effort into the insurance industry, he quoted really cheap quotes for the first couple of years to get the business then went up like the rest of them, I know I insured my taxi through them for a year before they jumped on the bandwagon with every other greedy broker.

He's now bankrupt, his business's have been taken over and he's constantly in court for money laundering, fraud, false accounting, numerous banking offences, hiding assets,  etc....

Short version of the story is here.. http://www.bbc.co.uk/news/uk-northern-ireland-19063419

I'm currently with Carole Nash but thought their amendment to my policy was dear after changing from the Varadero, I will be using MCN compare next year when it's due again.

[Andy]

I'm using Adelaide for both bikes ([KGM) and car. Less than £500 for the lot (BS32 postcode) http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php

[tommytool]

Looks like its Adelaide as the favourite then. I will try e-bike again but I've fallen out with them as well a few years ago!

Thanks all for your assistance.