Insurance advice

[Jemz]

Hi all!

Can anyone advise me a good reputable company to look for insurance with? I've just passed my CBT and I plan to get a 110-125 auto scooter just to get around. I did my CBT on a Honda Vision 110 so I've been using that model to get insurance quotes but every where I've looked so far are quoting me over £200-£250 monthly. I know I'm a new rider but I didn't expect insurance to be quite that high! 

 

I have been driving a car for 16 years with 15 yrs NCB so i thought that might help a little. I am over the age of 25. I dread to think what insurance prices are like for those under 25 who do not drive! 

[Bender]

10 minutes ago, Jemz said:

Hi all!

Can anyone advise me a good reputable company to look for insurance with? I've just passed my CBT and I plan to get a 110-125 auto scooter just to get around. I did my CBT on a Honda Vision 110 so I've been using that model to get insurance quotes but every where I've looked so far are quoting me over £200-£250 monthly. I know I'm a new rider but I didn't expect insurance to be quite that high! 

 

I have been driving a car for 16 years with 15 yrs NCB so i thought that might help a little. I am over the age of 25. I dread to think what insurance prices are like for those under 25 who do not drive! 

It's probably the very nickable scooter, have you tfied a quote for a geared 125. 

 

 

[MikeHorton]

Insurance is a lottery what is cheap for one person isn't for another. Put the kettle on and fire up Google check if you ae linked to any clubs or associations which may get you a discount otherwise its just lots of searching 

[Jemz]

1 hour ago, Bender said:

It's probably the very nickable scooter, have you tfied a quote for a geared 125. 

 

 

No not yet. To be honest I don't mind what I ride so long as it gets me from A-B. It's only cause that is what I passed on so figured it was a good starting point. Il shop around for different brands and see what I'm quoted

[manxie49]

As Mike said, insurance is a lottery!  I tend to stick with Bennetts, always given me a good deal and always match or give a better deal if I get a more competitive quote elsewhere.  It really is hit and miss, all you can do is ring round, try comparison sites, and do things that, in their eyes, lowers the risk.  Things like where you leave it, how you secure it, when you use it, all the usual stuff.  I feel for you, been there myself and it really can be soul destroying.

[manxie49]

A couple of sites that may be of use:

https://www.bikerinsure.co.uk/motorcycle-insurance-comparison.html

https://www.bikecompare.com

Good Luck 

[fullscreenaging]

Principal

Tesco

Compare the market. (Don’t go with the top 2 companies that give you the lowest quote unless you do some Google research) It usually ends in tears if you need to claim. 
 

Unfortunately having many years experience driving a car makes no difference when insuring a bike. Just another way to screw you over. 
You can get a single policy to cover you for bike and car, but unless you get a bike to correspond to car insurance running out you will take a hit on your NCD and lose money by cancelling in order to take out a new policy. 

 

 

[JRH]

You could try Devitt. 

 

[Bender]

@Jemzlet us know how it goes

[iangaryprice]

I can;t believe how much your quote is!

It more then double a month than I pay per year on a GSX600!

Since your over 25 you should get it a lot cheaper.

Do you have any convictions?

Accidents?

Leave bike parked in the road/unsafe location?

No claims deos not make a lot of diffence on a bike, My insurance was £105 7 years ago wih=thout any no claims, its now £89 with 7 years.

 

 

 

[Gerontious]

13 minutes ago, iangaryprice said:

I can;t believe how much your quote is!

 

 

 

 

It doesn't surprise me at all.. this, as far as my memory serves has been absolutely normal for years now. Age etc has zero effect. when you take out bike insurance for the very first time you are a complete unknown to the insurer, they are placing a bet with absolutely no idea if they will win or lose that bet. The premium they want for that bet reflects this.

 

My own opinion is.. go for the cheapest possible. and don't crash and definitely do not allow the bike to be stolen. and most important of all for that first year do not even think about making a claim. just don't. unless its a total loss and even then think twice.

 

think about insurance as nothing more than a tax on ownership. which will get a lot cheaper after the first year. If you don't claim.

 

Edited October 24, 2022 by Gerontious

[KiwiBob]

Must be because you live in London .. If you lived in Mansfield it would be closer to £ 200 for the year!

[Pie man]

Firstly, be sure to speak to a human. Give bemoto a call. 

[Bender]

32 minutes ago, Gerontious said:

 

It doesn't surprise me at all.. this, as far as my memory serves has been absolutely normal for years now. Age etc has zero effect. when you take out bike insurance for the very first time you are a complete unknown to the insurer, they are placing a bet with absolutely no idea if they will win or lose that bet. The premium they want for that bet reflects this.

 

My own opinion is.. go for the cheapest possible. and don't crash and definitely do not allow the bike to be stolen. and most important of all for that first year do not even think about making a claim. just don't. unless its a total loss and even then think twice.

 

think about insurance as nothing more than a tax on ownership. which will get a lot cheaper after the first year. If you don't claim.

 

My first insurance which wasn't that long ago was 130 odd for first year it's fallen ever since. 

 

[Gerontious]

27 minutes ago, Bender said:

My first insurance which wasn't that long ago was 130 odd for first year it's fallen ever since. 

 

 

 

Perhaps Im thinking a tad more recently than your earliest post on this forum, where it appears you already were riding in 2017?

 

maybe.

 

A lot can happen in 5 years.  but, lets see how it pans out in the here and now for the OP.  The quote may be an outlier, or it may be average. we'll see.

Edited October 24, 2022 by Gerontious

[Jemz]

Changing the bike choice to a different brand scooter bought it down a bit but not much. I did also put in that it would be in a locked garage, and had an immobiliser fitted just to see what happens to the quote. Knocked off about £200-300 annually. Still looking at around £78-90 a month which to be fair Is far better than the £200+ I was quoted before. These were without extras like breakdown cover etc. I was looking at a suzuki address 110 I think when I looked the 2nd time round. 

 

Guess I just need to do a good bit of looking around. Tricky when I don't even know what scooter I want yet

 

I'd like to think I'm pretty sensible on the roads and old enough to know not to go crazy especially as a new rider. It's other drivers that worry me!

Edited October 24, 2022 by Jemz

[Fish]

London is the main reason for the high prices. Would it be garaged is my question, if yes then you'll save a small fortune over street parked.

[onesea]

23 hours ago, fullscreenaging said:

 

Unfortunately having many years experience driving a car makes no difference when insuring a bike. 

That's is absolute bollocks they will use any accidents on your car or bike to put your insurance up on the other on both regardless...

[Jemz]

1 hour ago, Fish said:

London is the main reason for the high prices. Would it be garaged is my question, if yes then you'll save a small fortune over street parked.

My intention was to chain it in my front garden. Cement in some ground anchors for both tyres. But I am tempted to blag it and say its in a locked garage and pray it doesn't get nicked

[MikeHorton]

1 hour ago, Jemz said:

My intention was to chain it in my front garden. Cement in some ground anchors for both tyres. But I am tempted to blag it and say its in a locked garage and pray it doesn't get nicked

Ground anchors seem a good way forward. I'd be careful making a false statement some companies are all over insurance fraud. A quick Google streetview check of an address will show if there is a garage etc. If you provide false information and get found out and insurance gets cancelled you will be pretty much uninsurable or it will become unaffordable. You can get the little metal bike stores which would fit in a front garden another potential option. 

[fullscreenaging]

3 hours ago, onesea said:

That's is absolute bollocks they will use any accidents on your car or bike to put your insurance up on the other on both regardless...

I was referring to the part of the post that stated the OP thought that having a good amount of NCD on her car insurance would help in securing a low first bike insurance quote. 
 

Edited October 25, 2022 by fullscreenaging

[Jemz]

48 minutes ago, MikeHorton said:

Ground anchors seem a good way forward. I'd be careful making a false statement some companies are all over insurance fraud. A quick Google streetview check of an address will show if there is a garage etc. If you provide false information and get found out and insurance gets cancelled you will be pretty much uninsurable or it will become unaffordable. You can get the little metal bike stores which would fit in a front garden another potential option. 

Yeah I see what you mean. I was talking to my partner about a metal bike shed for the front that we can lock up. Maybe getting one without a base and cementing in anchors inside it would be a good idea

[Bender]

Likely to make little difference if its outside in terms of security and premiums, they will use an angle grinder in daylight. 

[MikeHorton]

3 hours ago, Jemz said:

Yeah I see what you mean. I was talking to my partner about a metal bike shed for the front that we can lock up. Maybe getting one without a base and cementing in anchors inside it would be a good idea

Yes ground anchors are great. I have a fairly secure garage and had a ground anchor set in. Keep the chain off the ground, key with security is layering it. With all small bikes ur back is always to the wall as they can just pick them up. Ground anchor and chain, v good disc lock and a handlebar lock are the ones I use. Sadly you have to make it look like hard work for any potential thief. The handlebar lock is cheap but just another layer for jonny scrotebag to get through. 

[Jemz]

3 hours ago, Bender said:

Likely to make little difference if its outside in terms of security and premiums, they will use an angle grinder in daylight. 

Yeah seen videos of people doing this in broad daylight.

 

Even on my CBT day we stopped in a quiet road to practice u-turns and emergency stops. There was 2 boys on a single moped going around the same area multiple times and they passed us about 4 times. My instructor advised to leave that road as he was saying they could have been waiting for me to be far enough away that they could shove me off the bike and then nick it. Can never be too careful these days