Insurance -Again!

[Rusty]

Just registered with Adelaide for a quote in March so it will be interesting to see if they can beat Bennetts, who I have to say have been consistently good for me over the last few years .........

[tommytool]

Well my search for the best quote is over.
Swinton after really bouncing them around went down from £240 to £152.14. This is fully comp with protected bonus and excess. Everyones circumstances are different so wont elaborate Further..

The guy did tell me he'd made a mistake and it should ave been £30 more but he'd honour his mistake and sold me the cover. Did I feel sorry for him - not a chance!

Just got the policy docs, read em cover to cover and it looks a good'un.

Using the hilarious MG Valerio translator this means my brain was well lit all the time which prevented the insurance companies giving me bum 

PS I don't think I'm quote of the month at Carole Nash- £565 for same cover "what the  "!!

[SirToU]

I have to say, After my accident, I had heard that I might have had problems claiming on my MCE Insurance.

They have been brilliant, considering the accident happened 1 week before Christmas.

I am impressed.

Neil

[O.C.]

I have to say, After my accident, I had heard that I might have had problems claiming on my MCE Insurance.

They have been brilliant, considering the accident happened 1 week before Christmas.

I am impressed.

Neil

And hopefully on the road to recovery now 

[Lonewolf]

I got my insurance renewal through from Adelaide a few days ago. Last years premium was a straight £300 which was 5 years no claims, legal assistance, no claims protection  & inclusive of a £30 admin fee. This year they have quoted me £382 even though I now have 6 years no claims .
I called them today after doing one of those online comparison quotes, the top three quotes, like for like ranged from £211 to £240. I mentioned this to Adelaide, they simply said, we offer a price match as long as we can prove to the underwriters that it is a genuine like for like quote. Proof provided, jobs a good un, price matched.
Something to bear in mind. 

[Winston Smith]

Just did same with me Steve - Motorrad wanted £429.00.

Did online quote - Wicked Quotes contacted Adelaide / IAM and they matched it with all the bells and whistles - Fully Comp/NCD/Protected NCB business use etc - £177.00!!

[Lonewolf]

  £177, bet your'e chuffed with that!

[coman37]

I beg to differ!, I refuse to use "price matching" companies.  If a reputable company can give you a true honest quote to include all the extras that you have asked for, why would you go back to the company that tried to rip you off to start with?  It's a lazy business model to not have a quantifiable system for assessing risk but just to under quote when challenged. These other companies will not be able to offer competitive quotes if no one signs up with them, so all you will have left in the future is the companies that just tried to hoodwink you. Think about it !

Coman

[Lonewolf]

Coman, I do hear what you are saying but I work on the principle that I'd rather have the money in my pocket than theirs. If that means I've got to make a few phone calls to save myself as I did on this occasion almost £140 then so be it.

[routemaster]

I have just had my renewal quote through the post from Motorcycle Direct and its not too bad at £273
I have package deal and it is broken down into the following:

   
• Bike Insurance - £163 including 7 years NCD, IPT etc
• Extras including legal expenses, key protection, helmet+leathers, personal accident  and UK breakdown cover comes to additional £110

Although I don't need the UK breakdown cover any longer it comes as part of the package and if I exclude it the overall cost go up.

I have trawled around the usual comparision sites and although I can get the bike insurance marginally cheaper when you start adding the extras I want exluding the UK Breakdown cover it works out more exepnsive.

Steve

[coman37]

Coman, I do hear what you are saying but I work on the principle that I'd rather have the money in my pocket than theirs. If that means I've got to make a few phone calls to save myself as I did on this occasion almost £140 then so be it.

With respect LW, you are not hearing what I am saying. Yes still phone around for prices, but go with the company that gives you the best price, DO NOT go back to the cxxxs who are relying on your apathy to rip you off. When you challenge them they give you what they should have offered you in the first place, whereas the other company offered you great price and service, as stated if you do not pay their honest quote then they may not be around next time and you will have no one to price match against, then your existing highwaymen will charge what they like

Coman

[Rossendale Rider]

  I get what you're saying.  I did my bike insurance a few weeks ago but my buildings &  contents insurance renewal arrived, I costed a few others and one was the same but quite a bit cheaper so purchased it.  My original insurer called me near the renewal date and I told them I'd gone elsewhere.   When I told them how much, they said they could match the price.  I told them they should have quoted me lower in the first place.  Tough!

[Lonewolf]

Its just easier I find to stay with the one I'm with, especially if they're going to price match everyone else. Adelaide are a good company and they are the only insurance company I have ever come across who when they say they are going to call you back actually do. The guy/gal on the other end of the phone is 'just' an employee and I wouldn't take it out on them just because the actual company is being crafty with their quote system.
Anyway thats my thoughts on it all,  the main thing is of course the bike is going to get insured which means I can get out and ride it.

[Debs]

While we are on the subject I would just like to have a rant... 

Why cant we transfer our no claims bonus from a car to a bike but if we have an accident in a car it will affect the policy on the bike?

It makes no sense.. I had over 15 years of no claims on a car, but now I have been without one for more than 2 years, I have now lost that amount..

Maybe Ive not understood the insurance companies properly, but when I first insured the bike they asked if I had any accident or convictions in the last 5 years which also meant in a car.

Anyway rant over... My insurance is due in July.. 

[Lonewolf]

I disclosed to my bike insurance company that I had had an accident in the car this March and they were'nt interested, nor did it affect the quote they gave me. However my car insurance company have said that they may increase my premium next year even though the accident wasn't attributed to me and the other driver admitted full liability and this was supported by two independant witnesses. The other side have repaid all costs and losses. Where's the logic in that?