Bike Insurance

Discussion in 'Mods, Upgrades, Accessories and Products' started by Old_boy65, Sep 19, 2019.

  1. Brom66

    Brom66 Well-Known Member

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    No it is for a ZZR1400 performance sport and a CBR1000rr SP2 2019 !

    Neither have alarms or trackers.

    The ZZR is dearer than the SP2.

    Reason insurance went up £40 was due to the SP2 value was £22500 where as the 1299s was £15000

    Full NCD, 53, 3 bonus points
     
  2. Brom66

    Brom66 Well-Known Member

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    Never had any joy with Carole Cash just ignore them !
     
  3. bazzashadow

    bazzashadow Elite Member

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    I thought mine was dear the first year was £345 fully comp, 49 , 3 points
    This year £217 fully, 50 no points
    Always protected no claims
     
  4. Brom66

    Brom66 Well-Known Member

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    MCE was over £1k for both bikes.

    I've got full no claims on the SP2, but had to start from scratch on the ZZR, have 3 years now.

    But what gets me is I know mates who have recently taken there direct access and bought 1000cc bikes and are paying less than £200 FC, and then other with full no claims charge more for similar bikes, just don't get how they work it out.
    ,
     
  5. bazzashadow

    bazzashadow Elite Member

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    Nope they make it up i’m Sure:mad:
    One wanted £230 on one website and the same firm wanted £1750 on another website
    Work that out
    At least with a thief you know you have been robbed;)
     
  6. nigelrb

    nigelrb Elite Member

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    My SP2 was £579.81 for its first year from March 2018. Some companies wouldn't even insure it because of its value.:rolleyes:

    This year, after switching to BeMoto, it costs me 389.00. I am disadvantaged by having no transferable NCB so the SP2 had to start from scratch:(.

    I Pay £76.38 for the RR4 and £69.66 for the 954 - both with BeMoto. I share a private island with @Jez .:cool::)
     
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  7. nigelrb

    nigelrb Elite Member

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    I'd stick with being guided by forum members' experiences. I think between us all we represent a cross-section of ages, riding experiences, and range of bikes. BeMoto stands out from the crop, and, I suggest, Bennetts runs second. I have used Bennetts and had no probs, although some have reported that they're expensive.

    I still believe that quotations are like airline fares: they vary from hour to hour and by the representative/website to whom you speak.
     
  8. Lozzy

    Lozzy God Like

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    Same here with my SP even though it's second hand and the value less than other bikes I've had...seems the letters SP sets the No buzzers off or they quote ridiculous sums. It's v frustrating when you're a mature long licence holder and ive only made 2 claims bike/car in over 30yrs. Both non fault.
    Bemoto certainly seem to be a really good one for multi bike..no one else could match them for me this time around.
     
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  9. nigelrb

    nigelrb Elite Member

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    Totally agree. I'd seriously considered insuring mine as an 'ordinary' 2018, but wondered what sort of crap I'd be in if there were a need for a claim. I am dead sure they'd reject a claim on the basis of non-disclosure of full particulars.

    From an insurers perspective though, the bike should be seen as a lesser risk. The SP is not more powerful, but is arguable safer with its Brembos and Ohlins. The risk of theft is arguably no higher for an SP than the base bikes. (Different matter with the VTR SPs)
     
  10. bazzashadow

    bazzashadow Elite Member

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    Bemoto didn’t do it for me they wanted £339:(
     
  11. nigelrb

    nigelrb Elite Member

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    For the BSA?:confused::confused:

    I had no idea its replacement value was so high! Congrats!!:D;)
     
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  12. Old_boy65

    Old_boy65 Active Member

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    “SP” Super Posh??
     
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  13. nigelrb

    nigelrb Elite Member

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    Maybe in some areas, but for me it's merely 'Special Person'.:D
     
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  14. Jez

    Jez Senior Member

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    I am just hoping once you get to a certain age the insurance does not start to go up to much :(
     
  15. nigelrb

    nigelrb Elite Member

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    Still going down for me at 67:D.

    But to be fair, it's about the only thing going down!;)
     
  16. Jez

    Jez Senior Member

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    getting old does not bring many advantages but you have to make the most of it :)
     
  17. nigelrb

    nigelrb Elite Member

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    Agree. @Lozzy is leading the way!!:D:D
     
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  18. bazzashadow

    bazzashadow Elite Member

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    No nigel
    They pay me to ride that
    I would love everyone on here to have five minutes riding it,
    It would frighten the living daylights out of you but make you grin from ear to ear:p
     
    #38 bazzashadow, Sep 20, 2019
    Last edited: Sep 21, 2019
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