Electric bike insurance

[Pete Taylor]

I have a Chinese electric scooter (as well as a BMW R100RT) that I use as a round town transport. I'm 79, been a biker all my life, still fit and able. I can get insurance (£100 ISH)  for my BMW but latest quote for scooter is £1700! I have tried every comparison site, tried to talk to brokers but apparently computer says no. Anyone else had a similar problem and solved it?

Pete 

[husoi]

Have you tried multiple vehicles insurance?

 

[Capt Sisko]

I suspect the problem is that electric scooters are typically bought by youngsters at the start of the their biking career and as such have a pretty high claims rate against them. Often as not it's not an if, but a when a claim is made. It's also not the value of the scooter, but the cost of fixing what they’ve hit. It was the same with the Sierra Cosworth in the 80s. Once the insurance companies twigged what they were, the type of people that drove them and the rate of claims against them the insurance cost as much as the car was worth, and that's if you could find anyone that would insure you.
 

I'm not really sure what you can do about it when the computer says no. Try some of the specialist, if you're IAM, BMF or whoever,  their preferred partners might have different parameters or computer models designed for the more experience & responsible rider. Other than that, sell and buy a Honda Supercub for round town use.

Edited March 12 by Capt Sisko