Im 54 years old and have been riding around on my Tbird 900 for a few years. I just looked at what it would cost to insure me on a Sprint ST1050. Is it really £600 a year to insure a mature experienced rider with a clean licence? Im paying £200 for the Tbird.
Not if you look around. I pay less than £400 for a 765rs, 900 st and an MT 500 Armstrong on a multibike policy.
Have you tried Bikesure? Bikesure – Specialist Motorbike Insurance Since 1990 I'm 74, only been riding since 2018 and currently have 6 bikes on a multi bike policy. This year's premium was £442 including £86 worth of extras, e.g. leathers cover. That was remarkably £33 LESS than the previous year! They also gave me free legal expenses cover. I've found Bikesure very easy to deal with, no overseas call centre, they answer the 'phone very quickly, and remarkably good value.
From my recent experience of making a claim, that legal cover is important, specialist solicitors are only interested if you are claiming injury. Also, try to find out if the company uses a claims agent.... that's a nightmare too!!
Insurance companies in-house claims departments can be a nightmare too. My car was hit by a van back in April 2023, and despite it clearly being the fault of the van driver the claim has still not been settled. My insurers' claims dept have dragged their feet, don't answer emails, and don't act on or pass on witness statements, so much so that I've twice complained to their customer relations dept and been awarded £600 in compensation, even though the claim has yet to be settled. At long last my insurers have instructed a legal firm to threaten court action against the van driver's insurers, hopefully that will do the trick and they'll settle out of court. IMHO, the insurance industry is a minefield for consumers, tread with care!
I pay £135 fully comp with my 2 sons also on the policy fully comp, and I am well over 70. My current machine is a 765rs.
Moneysupermarket. I did have a break from riding, but have been back on two wheels for two year +. I've got it down a but going tpft but I'm still shocked.
I see thats where your going wrong. OK......you need to try compare the market.com and Go Compare. I have used those comparison sites for years age 72 less than £100 for a T100 Bonnie. Been riding only 7 years.
Don’t forget cashback. Go on all the comparison sites and you will probably find the same broker coming up with the same price time and again. Then go on the TopCashback website and you will more than likely find the same offer again, but this time you’ll get £26 cashback.
Confused dot com comparison site is quite good too, but compare what is included - passenger, legal cover, kit etc.
I go for basic fully comp cover.....I arrange recovery separately. Never in all my years need to ring my insurance company or be recovered.
I needed recovery once, but used my AA membership. I didn't take legal cover in my current Bennetts fully comp policy, and it would have been better/easier to have it when I had an accident in September! Specialist solicitors advertise to use them not your insurances solicitor, but didn't want to know because I was not claiming personal injury.
stu9000 - your premium is likely to be higher than the examples quoted by others as you live in Kingston -upon - Thames, a highly rated area. The premium is also affected by so many other factors it is very difficult to compare like with like from other people.
I should day, currently paying about £200 for fully comp for my tbird 900. I was searching, looking at maybe getting a sprint st1050. I still need to follow up on the excellent suggestions here. Thanks.
£160 last year. Just got the renewal and it's gone down (for the first time ever) to £138. Speed Triple 1050 RS fully comp using Triumph Insurance. Age 75.
Thanks for the suggestions. BikeSure was £635 to insure a £3k bike!!! I am aged 53, have a clean licence and I don't live in Beirut. The best I could get so far was TopCashBack £366 fully comp. I was keen to get the GT1050 but now Im wondering how justifiable it is to be chucking this much on bike insurance when I am already paying for the car. And then there is road tax. Bubble officially burst.
It seems some riders are paying extortionate insurance premiums for some reason. I posted what I pay, my eldest son pays £200 fully comp for his Ducati 1299s Panigale, this includes myself (over 70) and my younger son all fully comp, my youngest son pays £140 fully comp for his new model Katana 1000 with my eldest son and myself on the policy also fully comp. Try the attached link to see if anything comes out more cost effective, although cheapest is not always best. https://www.moneysavingexpert.com/insurance/motorbike-insurance/
