Insurance Seems to Have Gone Stupid

[Mickly]

Just renewed my multi bike policy, tried to sell me a £17/Month £25k benefit death / serious injury add on.
I asked about accidents trail riding on ‘roads’ apparently those type of ‘roads’ are excluded ( even though they are technically roads) asked them to define what was and wasn’t included , they said they didn’t have a section in the policy that actually covered it, just some weasel words about ‘reasonable’ use!!
Be warned!!

[Stevehessleuk]

1 hour ago, Yorky said:

I wouldn't bother !!

 

Just spent about 15 minutes filling in a quote application only to be told, at the end, that they can't provide a quote

I must have got lucky or because I’m old either way, they was at least £500 cheaper than anyone else

[Fiddlesticks]

I seem to recall GoSkippy being cheap but having very high excesses. Almost like a hybrid between 3rd Party and Fully Comp, by the time they paid out.

[Stevehessleuk]

Should I see a lower amount on insurance next year ? No idea on bike insurance, obviously if I don’t make a claim

[Fiddlesticks]

7 minutes ago, Stevehessleuk said:

Should I see a lower amount on insurance next year ? No idea on bike insurance, obviously if I don’t make a claim

Should be

[Hairsy]

I was with GoSkippy on one of my project bikes. They were certainly cheap but, when I sold the bike after only 2 months and asked for a cancellation, the cancellation fee exceeded the 10 month refund.

 

They graciously waived part of the fee and called it quits.

Edited May 14 by Hairsy

[Stevehessleuk]

I was just happy getting it insured and I’ll get it back on fuel, bike had 2 notches on the fuel display and filled it 2 days and it was £7.14 my new mini countryman takes £50 

[bonio]

On 14/05/2025 at 17:51, Stevehessleuk said:

Should I see a lower amount on insurance next year ? No idea on bike insurance, obviously if I don’t make a claim

Yes, you will mate. The first year is painful. I've had to go through the same pain again when going up a significant step in engine size.

[Stevehessleuk]

That’s good to know. I only pay £220 on my wife’s vw id3 with business use, so hoping a drop down on the bike next year. I’ve been driving a car 36 years I’ve got 2 car insurance’s, 2 vans insurance and now bike insurance which is in 3rd place on cost

[bonio]

I'm with you. I've one car insurance and three bike insurance but I've never a multivehicle policy that does it any cheaper.

[Stevehessleuk]

I tried multi vehicle insurance 2 years ago and was laughable the prices, I’ll stick to separate insurance thanks. We are just paying for other people’s mistakes on the road

[RideWithStyles]

Insurances seem to have this thought of the water shed off the 600cc capacity.

went straight from 600s 100hp (TC and zx6r) with a bit of money pain for the first year or so as expected but first policy was still around £500 off memory.

jumped to 1000cc 150hp yet not much of a difference to them apparently considering the fact it does make a massive difference of half again on an already fast and dangerous vehicle.
but I went down to a 500 46hp for four years, more than twice the difference less in power but didn’t make that much difference to the quote considering the fall.

after the four years I went to a 650 with only 77hp so roughly half again more but asked me if I have then experienced with a 600 or more before within two or so years so I said the previous bike was a 1000cc four years ago, surprisingly the quote was pretty much the same.

 

Steve depending on the price of your total separate policies have you looked into business/trade policies? Most of the time they can cover a lot for less…

[Stevehessleuk]

1 minute ago, RideWithStyles said:

Insurances seem to have this thought of the water shed off the 600cc capacity.

went straight from 600s 100hp (TC and zx6r) with a bit of money pain for the first year or so as expected but first policy was still around £500 off memory.

jumped to 1000cc 150hp yet not much of a difference to them apparently considering the fact it does make a massive difference of half again on an already fast and dangerous vehicle.
but I went down to a 500 46hp for four years, more than twice the difference less in power but didn’t make that much difference to the quote considering the fall.

after the four years I went to a 650 with only 77hp so roughly half again more but asked me if I have then experienced with a 600 or more before within two or so years so I said the previous bike was a 1000cc four years ago, surprisingly the quote was pretty much the same.

 

Steve depending on the price of your total separate policies have you looked into business/trade policies? Most of the time they can cover a lot for less…

Yes, I tried combined and it was so much cheaper to do them all separately. I call them robbing bar stewards. Not counting, 2 building insurances, commercial combined and 2 life insurances. They must love me

[JTDG]

Got my first big bike about a month or so ago.

 

Was paying £33 a month for my CB125F, 2021 Ninja 650, quote came back at £550. Considering I have 0 years no claims, and only had a full license around 4 weeks at the time. Garaged overnight, mentioned around a Oxford mini lock, but have heard don’t put that in future as difference is negligible.

 

Sold my 125, guy said his r1 costs him £80 a year

 

Back when I was in Liverpool before moving to Dumfries area, a quote for my 125 was £400 a month .

 

Surprisingly, I tried to enquire with Bennett’s as I watch a lot of bike social stuff. They refused to insure me at all. Shame as it means I’ll probably never go with them in the future. 

Edited yesterday at 10:25 by JTDG