Insurance?

Discussion in 'Triumph General Discussion' started by Tricky-Dicky, Mar 22, 2021.

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  1. cliverdee

    cliverdee Well-Known Member

    Aug 5, 2014
    348
    63
    Nottingham
    I’ve just paid my 19 plate street scrambler insurance at £126. This price includes motor legal protection + no claims discount protection and doesn’t include pillion cover (which I don’t need). Last year was £116 and the renewal quote was £146 so as usual each year I went on a comparison site which came up with £126 for my existing insurer and with lower compulsory excess of £200 whereas last year has had a £250 excess (both plus £100 voluntary excess). I gave the meerkat quote reference number to my current insurer and the lower excess amount and they matched it. Only thing to be aware of is that ‘modifications’ will make the price go up a little for what really are accessories...I had already listed with them that I have a centre stand, pannier, engine protection bars... plus heated grips, which are actually listed as a modification...so these are included in my £126. I’ve 7 years bike no claims discount and am aged late 60 s with no accident/ convictions ... hope of use
     
  2. Gyp

    Gyp Well-Known Member

    May 13, 2020
    323
    63
    United Kingdom
    I do wonder about pillion cover, because car insurers never ask if I'm going to carry a passenger in the car.

    Similarly I never get asked if I'm going to put anything in the boot or use the roofrack
     
  3. SpeedTwin1200

    SpeedTwin1200 Well-Known Member

    Jul 21, 2019
    234
    93
    Hampshire

    Mid-50s, Hampshire, Speed Twin and SuperDukeGT, and I'm clearly paying far too much!

    After a 4/5 year break from bikes, I got stung with no NCB too in 2019, but even with all the alarms, locks and trackers, etc, I don't like to say how much my premium is. I started out with Triumph Insurance, thought I'd then got a cheaper quote from Bikesure when I added the KTM but the paperwork came from Triumph and it seems they are both actually AFlux.

    I'll certainly try the bikeinsurer website, thanks for that littleade. Anybody able to say which companies you use?
     
  4. littleade

    littleade The only sane one here
    Subscriber

    Mar 17, 2015
    6,125
    1,000
    kidderminster Worcestershire
    I chose Hastings Direct, they were not the cheapest but not far off and I thought they would be better than some of the others like MCE if I had to make a claim. I then went onto Hastings Direct website where it was cheaper so I did it that way in the end. I've gone back to IAM Surity this year though as they were competative and are underwritten by Ageas.
     
  5. Gyp

    Gyp Well-Known Member

    May 13, 2020
    323
    63
    United Kingdom
    I'm with Bikesure too so that probably doesn't help.

    Paying £306 to cover 2019 Harley Road King Special and 2019 Street Scrambler, both with a list of modifications as long as your arm. Fully comp agreed value but 9 years NCB will likely help with that one.

    My R80RT is on a different policy through a local broker for £90, but only 2 years NCB on that policy.
     
  6. cliverdee

    cliverdee Well-Known Member

    Aug 5, 2014
    348
    63
    Nottingham
    My £126 is with Hastings Direct ... always have been pleasant & polite over the phone with fairly quick call waiting times...
     
  7. Wessa

    Wessa Cruising

    Apr 27, 2016
    9,053
    1,000
    North West England
    I have just renewed my three bikes (Tiger Sport, Thruxton and RE Interceptor) on a multi bike policy with BikeSure. I was with them last year at £411. Got renewal for £365, yes it had reduced! Thought I would ring around and got a quote from Carol Nash at £359. Rang Bike sure and had a chat and settled on £355 for the year. Includes protected NCB, European riding, breakdown cover, pillion on the tiger and legal cover. In my mind a bargain.....
     
    • Like Like x 1
  8. cliverdee

    cliverdee Well-Known Member

    Aug 5, 2014
    348
    63
    Nottingham
    Yes the pillion bit must be a throwback to mad lads in the 1960s taking their mates for rides with no helmets... we all did it back then .... but I think the biggest issue with insurers is the 500 meter rule from home for your full insurance cover ... so basically you can’t visit relatives or mates on your bike who live within 500 meters of where you live... that’s quite a long way ... just under a third of a mile in my language
     
    • Informative Informative x 1
  9. Neal H

    Neal H Member

    Mar 7, 2021
    23
    8
    England
    I did a compare the market check to get quotes on the Speed Triple 1200 RS I have on order and they ranged from £177 to £307. I can live with that range.

    I’m 57, 9 years ncb, bike garaged.
     
  10. SpeedTwin1200

    SpeedTwin1200 Well-Known Member

    Jul 21, 2019
    234
    93
    Hampshire

    Thanks chaps. With your advice and those comparisons, even with a combined cc of 2490 and 253Nm of torque, I must be able to get something cheaper.
     
    • Agree Agree x 1
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