Insurance help please!

[Jemz]

So I have insurance for my YBR 125 with Bennetts. I passed my Mod 2 last week so I am planning on upgrading my bike - my policy has changed to full licence holder. I am interested in a Honda hornet 600 that I'm viewing tomorrow and may buy. But Bennetts insurance customer services is closed on Sunday. So how am I supposed to change my policy over to the new bike and take it home same day?

I spoke to someone on their webchat earlier saying I was going to possibly be buying a new bike tomorrow and they said I'd have to call to change my policy over to the new bike... but didn't mention they were closed tomorrow. I can't do an online change either through the customer portal. 

 

I have tried to look at temporary one day cover with a couple of sites, but they say they can't quote me at this time. 

 

I did think about potentially just taking out a new quote with another company online, but figured I'd be quoted for the year and if I cancelled after a day, there would be a fee.

 

Not sure how to get it home unless I have it picked up/delivered by courier (which seems stupid considering il be physically there viewing it) or I do it without insurance (which I obviously will not do!)

 

Any advice please??

[Mississippi Bullfrog]

When buying a different bike there's usually a delay between making the deal and picking up the bike. You need to insure and tax the new bike. 

 

Tax can be done online if the seller does the V5 paperwork online first. But insurance needs their office to be open so you'll need to wait until they can make the change before picking up the new bike. 

[Bender]

you can arrange and pay for the policy to start at a pre determined time and date but you obviously are tied to buying then, or having no insurance if you change your mind 

[geofferz]

39 minutes ago, Bender said:

you can arrange and pay for the policy to start at a pre determined time and date but you obviously are tied to buying then, or having no insurance if you change your mind 

14 days cooling off period applies I think minus insured days and £50 likely admin fee I'd imagine. 

[Jemz]

8 hours ago, Mississippi Bullfrog said:

When buying a different bike there's usually a delay between making the deal and picking up the bike. You need to insure and tax the new bike. 

 

Tax can be done online if the seller does the V5 paperwork online first. But insurance needs their office to be open so you'll need to wait until they can make the change before picking up the new bike. 

When I got my YBR I viewed if, changed the v5 online, taxed it, insured it and took it away in the same day. So I made a presumption I could do the same. I'm hoping if I do want it, the guy will hang on to it for me so I can collect it next week

[Jemz]

7 hours ago, geofferz said:

14 days cooling off period applies I think minus insured days and £50 likely admin fee I'd imagine. 

I was tempted to just take out a new policy online. The £50 approx cancellation fee doesn't bother me. I just don't know if it affects anything else e.g. credit, or if there's any other charges. If it was say £100 for the first month (I usually pay montly), would I get that refunded minus the 1 day insurance?

[Mississippi Bullfrog]

1 hour ago, Jemz said:

When I got my YBR I viewed if, changed the v5 online, taxed it, insured it and took it away in the same day. So I made a presumption I could do the same. I'm hoping if I do want it, the guy will hang on to it for me so I can collect it next week

You can do the V5 and tax online, I did just that on Friday. And you can arrange a new insurance online, also done on Friday. Where you come unstuck on a Sunday is changing an existing insurance. 

[Jemz]

1 hour ago, Mississippi Bullfrog said:

You can do the V5 and tax online, I did just that on Friday. And you can arrange a new insurance online, also done on Friday. Where you come unstuck on a Sunday is changing an existing insurance. 

It's cause I wanted to stay with my current insurance. I have 8 months no claims so far and don't want to lose it - which if I cancel I will do. So realistically il likely have to take out another insurance and then cancel it

[Bender]

2 hours ago, Jemz said:

It's cause I wanted to stay with my current insurance. I have 8 months no claims so far and don't want to lose it - which if I cancel I will do. So realistically il likely have to take out another insurance and then cancel it

I wouldn't be wanting to throw away 8months ncd

[peatear]

Maybe hire a van that can hold a bike?
Not sure on the cost of this... I'm guessing about 80-100 for a day?
Some places even do hourly rental.

 

Saves messing up insurance.

[keith1200rs]

2 hours ago, peatear said:

Maybe hire a van that can hold a bike?
Not sure on the cost of this... I'm guessing about 80-100 for a day?
Some places even do hourly rental.

 

Saves messing up insurance.

Then the bike wouldn't be insured for theft until he changed it over on Monday

[Mississippi Bullfrog]

[Old-codger]

If you like the bike you are going to see and you want to buy it what is the problem??? just leave a deposit on sunday and arrange a time next week to go back and do the deal. Job done no rush no pissing about taking out insurance and then cancelling it which no doubt will cost you money.

[peatear]

1 hour ago, keith1200rs said:

Then the bike wouldn't be insured for theft until he changed it over on Monday

 

I mean, she went to see it  today (according to original post) - why would theft be an issue if she is just picking up, and putting it somewhere safe (i'd assume) until insured..

 

 

19 minutes ago, Old-codger said:

If you like the bike you are going to see and you want to buy it what is the problem??? just leave a deposit on sunday and arrange a time next week to go back and do the deal. Job done no rush no pissing about taking out insurance and then cancelling it which no doubt will cost you money.

 

Might not be from a dealer. Wouldn't leave a deposit and pick up later with a private sale. Ever.

But as as you say, if it was a dealer - they would happily take deposits for it to then be picked up later. So there isn't an issue.

[geofferz]

10 hours ago, Jemz said:

I was tempted to just take out a new policy online. The £50 approx cancellation fee doesn't bother me. I just don't know if it affects anything else e.g. credit, or if there's any other charges. If it was say £100 for the first month (I usually pay montly), would I get that refunded minus the 1 day insurance?

100% would not affect credit rating. £100 a month you'd get back £97 after 1 day, minus cancellation fees. 

[Jemz]

4 hours ago, peatear said:

 

I mean, she went to see it  today (according to original post) - why would theft be an issue if she is just picking up, and putting it somewhere safe (i'd assume) until insured..

 

 

 

Might not be from a dealer. Wouldn't leave a deposit and pick up later with a private sale. Ever.

But as as you say, if it was a dealer - they would happily take deposits for it to then be picked up later. So there isn't an issue.

It was a private sale and I'm funny about leaving money with private sellers. Whose to say they won't bugger off with it!? Though to be fair the guy seems decent. I didn't end up viewing it mainly cause I realised it's a 2001 bike and may not be ULEZ compliant. I live just outside the ulez zone but go through it very regularly so I need to find out if it is exempt - it isn't according to the licence plate but I've heard records for bikes pre-2007 are not up to date so automatically get put down as non-compliant. So I've enquired with Honda about it first.

[S-Westerly]

Sounds sensible.