Insurance - help!

[ianvb]

I've probably shot myself in the foot here

Relatively new to biking after years of car track days and I've pxd my Monster S4r against an MV F4 1000.

Little did I realise that no-one would insure me ( the Monster was no problem, cheap & easy to insure) because I don't yet have a years worth of bonus ( 43, clean licence, good insurance history!)

Any ideas as to any brokers/companies who might provide cover? I've been round all the big ones, and a few others

Help would be greatly appreciated!

[dern]

Bikesure, very cheap.

[AlexHancock]

I'd goto www.mvownersclub.co.uk and search the forum.

[Incorrigible]

I let my no claims lapse before getting the Duke, "wicked quotes" were good for me 08704 190430

[Mad Dave]

Im with Bikesure - sorted me out with a cheap quote on my Bandit. Id only had a license an hour at that point too

Failing that, Roadsure Bikes seemed pretty cheap.

[Mark_SV]

ianvb said:

I've probably shot myself in the foot here Relatively new to biking after years of car track days and I've pxd my Monster S4r against an MV F4 1000.

Erm, you're relatively new to biking and you've bought an F4 thou?!?

When I was given expensive car quotes, I did my advanced car test and that opened up insurers (IAM Select) who solely insure advanced drivers and riders. It saved me enough money to buy my bike! I think it moved me from high to low risk in one go. So you could do your IAM bike test (or any other equivalent that has its own insurance scheme). rsvmille saved £300/year on insurance after doing UK Advanced’s OCN course:

www.advanced-motorcycle-training.co.uk/OxOCNCourse.htm

www.pistonheads.com/gassing/topic.asp?f=74&h=0&t=108488

Hope this helps.

[exint2]

I had a nightmare trying to get insured on an MV 750 a couple of months ago, mainly because most companies don't know what it is! - this situation will be even worse with the MV1000.

None of the on-line quoting systems worked, despite giving me quotes for more expensive (Dukes) mainstream bikes the MV always came back as "phone"

I got cover with MCE insurance based in Wellingboro.

Wasn't to expensive at the end of the day either for fully comp.

By the way the 750 is bloody awesome so the 1000 will be worth the hassle!

[slinky]

Have you tried Carole Nash or Europa?

Not sure of the numbers, but I'm sure a google will turn them up..

hth

slinky

[Badapple]

ianvb said:

I've probably shot myself in the foot here Relatively new to biking after years of car track days and I've pxd my Monster S4r against an MV F4 1000. Little did I realise that no-one would insure me ( the Monster was no problem, cheap & easy to insure) because I don't yet have a years worth of bonus ( 43, clean licence, good insurance history!) Any ideas as to any brokers/companies who might provide cover? I've been round all the big ones, and a few others Help would be greatly appreciated!

Try adrian flux, they will get you a quote.
Not sure what it will be though.

[iguana]

Carol nash v competative for me for T595 quote & peanuts for my Bandit, altho I have a good few yrs of NCB.

[ianvb]

Thanks for the info, it turns out that whats really done me is a car fire a couple of years ago
here's my post on the Lotus 340R forum, sept 2001:-


I've looked at Peter's site - thanks
My car looks identical ie utterly burnt out

spent the day at Donington, car was going really well
going back down the M1, having just filled up at J23a, passing J20 and there
was a small sort of bang and then a large 'woof', a sheet of flame shot over
my left shoulder (and burnt off a fair amount of my hair, as the police
pointed out - I hadn't noticed!)
it took about 15 secs to reach the hard shoulder - I could see the flames
coming up out of the engine cover
I had already released the harness and jumped out before it had quite
stopped ( I was in a bit of a hurry!)

a couple of minutes later the car was completely gone all bar the front two
feet or so

the fire brigade just doused the wreckage about 5 mins later - a lorry
driver had tried very briefly with his extinguisher but it didn't do any
good

as you observe Jon, this is more than a coincidence. I too wonder what Lotus
will say

mine had the standard 190 upgrade. what was Peter's?

I'm off for a haircut shortly now that I'm sporting a '340r' hairstyle!


This was not my fault - the oil & petrol had mixed in the engine bay, after some sort of engine failure - & hasn't affected my car insurance at all ( Atom 220 and Porsche C4S currently insured, both at v good rates)....but the bike insurers have decided that this merits a 2k ( yes, 2k!)increase, for one year only. Where's the logic in that!!

[hertsbiker]

how can car troubles affect a bike policy? I've had car crashes (not my fault) and it didn't affect my bike policy. Had bike crashes (my fault!) that didn't affect the bike policy.

So what have you really done?

Hope you get insured mate!

[cazzo]

hertsbiker said:

how can car troubles affect a bike policy? I've had car crashes (not my fault) and it didn't affect my bike policy. Had bike crashes (my fault!) that didn't affect the bike policy.

Funny thing Insurance, I had a bike claim and when renewing my car ins, I was offered a better deal than renewal but turned out the offer was from the ins co that paid for the bike claim so they then declined to cover me (even though I had full NCD on car ins) - but when I renewed the bike policy (same ins co) they only took 2 yrs NCD from me & policy only went up by about £100 & the next year it was even cheaper than pre-claim with the same ins co

Still, over the years I have paid an absolute fortune in insurance premiums so long term they still win.

BTW I have found Carole Nash to be pretty competitive for bike ins.

edited to add: a 2k increase! my entire insurance bill (2 cars, 1 bike and house & contents) only add up to about 2k between them.

>> Edited by cazzo on Friday 10th September 23:05

[ianvb]

what puzzles me is that apart from the Lotus catching fire I do have a clean history - no accidents, no points, nothing

and if I add up the cost of insuring the house, the Porsche, the Atom and a Mini Cooper S works, it doesn't add up to the MV!!

so relatively speaking it is astronomical. the ONLY company to offer cover have been MCE