Motorbike, Moped and Scooter Insurance Discussion

I've used http://www.motorcycledirect.co.uk/ for the last 3-4 years or so, they've always come in with the best quote.

I got hit a year ago and the whole thing was delt with over the phone, I called them and told them which garage I intended to get the bike to, they had the assesor there within 48hrs and I had a solicitor working for me within a similar time. The bike was roadworthy quicker than I was.

Another big plus is they are based in the UK, if I have to call up I'm not messing with a call centre on the other side of the planet.

Finally I personally would never touch Norwich Union with a barge pole, I have heard too many bad things about them, they seem to do whatever they can to avoid paying.

nappentass wrote: »

Great article thanks.

If you have a Harley it may also be worth getting an additional quote from their own insurance - my OH did and has found it the cheapest for him for the last couple of years, but we'll see how it works out later this year from the updated plan

Thanks

Speaking purely as a Harley owner who has modified my bike considerably i.e. 6 speed transmission cluster in place of the standard 5 speed built into it at the factory, which comes under the area of a modification away from the factory standard; many, many extras and add-ons that both H-D produce as accessories and other after market companies, I can honestly say that every time I have had to renew my insurance I've always shopped around to get a competitive price. And each time H-D insurance has always come out the cheapest. They also offer a guaranteed value of the bike which should it be stolen or wrecked I know from the beginning of the insurance year exactly what money I will get back.

So far I've not found any other insurance company willing to offer that kind of guarantee. Also most Insurance companies have a limit on the maximum value of a given bike they're willing to insure. To show you what I mean, last year I looked around for the best insurance for my bike. My bike on its own is worth £7950 (without modification); but also has £11,500 worth of accessories and changes on it making a grand total of £19450 for the total value of the bike.

Bennetts and BikeSure would not insure her as they have a maximum value limit of £15,000. However the best bit was that I went to some of the comparison sites; the cheapest I was quoted was £8,333 (Yes, you read that right, eight thousand, three hundred and thirty three pounds for one year's insurance) and the most expensive was a few quid shy of £10,000. Whereas H-D insurance (which is underwritten by AXA) cost me £325.00 for the year and because they know the value of the bike unmodified and have a full list of all the accessories installed, the value of both are then verified by my local Harley dealership, they are by far and away the best insurance for me and probably many others in the same position as I.

I completely agree that it is best to shop around but if like me you're an aging biker and want to just cruise on a big bike and end up with a heavily customised Harley, go for their own insurance, it will probaly be the cheapest one of all (most of the time depending on what you've done to your bike).

Cas.

HenrysCat wrote: »

I'm currently looking for quotes myself. New rider on a Sukida SK125-4.
28 years old and they are throwing stupid numbers at me like £200 3rd party!
All because i'm a house husband apparently? £500 excess on a bike worth £800 aint too funny either.
Thanks to this article i'm down to £120 a year

Hi just insured my sukida with Devitt through the post office site and got one month free.

I guessing Sym Symply is a Chinese imported bike, most Insurers are not keen on them.

This company cover most of the Chinese motorbikes and are normally very competitive (The chinese bikes are often more expensive to Insure than normal bikes eg Kawasaki)

http://www.bikesure.co.uk/motorbike-insurance.php?gclid=CJCC69jT85gCFQaA3godtUe50g

Hope this helps

Tru the link I sent, I'm a broker and anything that is not main stream eg honda etc I go straight there as most other bike insurers don't want to know