2wheeltrundel Posted September 3, 2022 Share Posted September 3, 2022 Can anyone advise me on if seasonal insurance April to September would be much cheaper than year round insurance and who might provide such insurance. The bike is a low value 125 and I never use it in winter, its up for renewal soon and am thinking of letting it lapse and getting six months on it next year. Quote Link to comment Share on other sites More sharing options...
S-Westerly Posted September 3, 2022 Share Posted September 3, 2022 Just Sorn it until you are ready to go back on the road. Quote Link to comment Share on other sites More sharing options...
KiwiBob Posted September 3, 2022 Share Posted September 3, 2022 49 minutes ago, S-Westerly said: Just Sorn it until you are ready to go back on the road. Hardly worth the bother for a 125 .. It's only £22 for the year! Quote Link to comment Share on other sites More sharing options...
Yorky Posted September 3, 2022 Share Posted September 3, 2022 The question was about insurance, not road tax. Quote Link to comment Share on other sites More sharing options...
Mississippi Bullfrog Posted September 3, 2022 Share Posted September 3, 2022 Why not ask an insurance company or broker? Quote Link to comment Share on other sites More sharing options...
2wheeltrundel Posted September 3, 2022 Author Share Posted September 3, 2022 1 hour ago, Mississippi Bullfrog said: Why not ask an insurance company or broker? That will be my next step but wanted to ask if others had experience of it first. Quote Link to comment Share on other sites More sharing options...
Yorky Posted September 3, 2022 Share Posted September 3, 2022 20 minutes ago, 2wheeltrundel said: That will be my next step but wanted to ask if others had experience of it first. This is actually an issue that bugs me as well. Just remember that if the policy does not run for 12 months then you will not accrue any NCD. I have a multi-bike policy, 2 bikes, one for the road, the 2nd a trail bike (which has to be road legal). I never ride the road bike in the colder months, it's a summer toy basically, and yet the road bike, being worth considerably more than the trail bike, is what makes up the majority of my insurance premium. I enquired with my insurers whether there was anyway to take this lack of use into consideration and reduce the cost accordingly, i.e, reduce road bike cover to fire and theft only for 5 months of the year, guess what??, no way!!. In the same vein I asked whether reducing the annual mileage on the trail bike from 6k to 2k would reduce costs, again no way, both bikes have to have the same limitation. So all in all it's just another way for the insurance companies to screw is over. Yes I could insure them seperately, but then full NCD only counts for one bike, the 2nd bike has zilch NCD so no financial benefit. Quote Link to comment Share on other sites More sharing options...
2wheeltrundel Posted September 3, 2022 Author Share Posted September 3, 2022 Yes my 125 insurance cost is not expensive but our car will do 13000 miles a year compared to less than a thousand for my bike yet the car is only £75 more, capable of much higher speeds and I have 6 years NCD on the bike it's about relativity . Quote Link to comment Share on other sites More sharing options...
Stu Posted September 3, 2022 Share Posted September 3, 2022 There is companies out there that will insure you year round but discount it if ridden for just 6 months of the year. Quote Link to comment Share on other sites More sharing options...
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