Good insurance cover

[darrsi]

[quote author=darrsi link=topic=26145.msg314303#msg314303 date=1589210465]
[quote author=slappy link=topic=26145.msg314290#msg314290 date=1589202270]
Actually did mine yesterday. Was previously  with MCE but they sent me an email saying that they would not automatically  renew my insurance and I should go to their website, fill in my details all over again to get a quote. Seemed a bit strange, as if they did not want me to renew with them.


Went on compare the market and MCE came up for £137 but Bennets was just £90.64, so went with them.

That's interesting you say that about them, because GoCompare have always saved my details in their system for years, yet this time I had to fill in all my details again from scratch?
Wondering if they have all been asked to do that?
[/quote]


I forgot about The Bike Insurer, maybe i used them last year instead of GoCompare, which is why my details may have been erased?
[/quote]


Went to pay the insurance yesterday, due on June 3rd, and it's now £124 instead of my quoted £110. I'm curious as to what has changed in the last 10 days to warrant a price increase?
Then after i paid the new fee, they send me a receipt email, and it says it starts from June 1st ?
Their reminder said June 3rd, as it always will do, as it's also my birthday so it's not something i really forget or mess up.
Very shoddy service. That was with Carole Nash, via The Bike Insurer comparison site. GoCompare had the same new higher price as well.
I've emailed them now, as i tried phoning but they're on reduced working hours due to you know what.

[VNA]

I use mcn purely because you can have any mods apart from turbo or super charge, as soon as I put a list of my mods most insurance companies either don't want to know or ridiculous prices. Mcn do have a rip off mandatory excess.

A lot of these insurance companies have a statement in the small print.  Basically they make an assumption that your bike is standard.

[darrsi]

I use mcn purely because you can have any mods apart from turbo or super charge, as soon as I put a list of my mods most insurance companies either don't want to know or ridiculous prices. Mcn do have a rip off mandatory excess.

A lot of these insurance companies have a statement in the small print.  Basically they make an assumption that your bike is standard.

I went on one website and they had a drop down list of add-ons that were classed as mods and every one i clicked bumped the price up, i think until the quote nearly doubled in price.
One of these add-ons was decals (stickers). That just takes the piss.

[VNA]

Yup I struggled to get quote for my R1250R.


Firm after firm rejected me cos the value was too high!  I mean what? 



I’ve fitted an SC Project road legal aftermarket can (I mean something had to be done about the OE dust bin), that then further reduced the companies that would quote.  I mean what?



If I had of opted for the BMW approved Akra can (also a bit of a dust bin IMO) that would have been classed as OE. 



I got fab quotes from some of the comparison sites, but then you check the small print – they all assume your bike is ‘standard’ and as soon as you mention simple mods a lot of them ramp the prices up.  And a lot of these policies are very basic with big excesses. 



Presumably loads of folks, de-cat their bikes, tune them, whatever, and just don’t bother telling the insurance company.  But then, push comes to shove, and you might find you aint insured. 



Here’s a thing.  I got a quote from Bennets for 360 quid from a comparison site.  They then gave me a quote of 790 quid over the phone.  I tried their web site for a quote – they quoted me 160 quid.  I checked the details carefully three times over and pressed buy. 
Insurance can be murder.

[slappy]

[quote author=darrsi link=topic=26145.msg314340#msg314340 date=1589259111]
[quote author=darrsi link=topic=26145.msg314303#msg314303 date=1589210465]
[quote author=slappy link=topic=26145.msg314290#msg314290 date=1589202270]
Actually did mine yesterday. Was previously  with MCE but they sent me an email saying that they would not automatically  renew my insurance and I should go to their website, fill in my details all over again to get a quote. Seemed a bit strange, as if they did not want me to renew with them.


Went on compare the market and MCE came up for £137 but Bennets was just £90.64, so went with them.

That's interesting you say that about them, because GoCompare have always saved my details in their system for years, yet this time I had to fill in all my details again from scratch?
Wondering if they have all been asked to do that?
[/quote]


I forgot about The Bike Insurer, maybe i used them last year instead of GoCompare, which is why my details may have been erased?
[/quote]


Went to pay the insurance yesterday, due on June 3rd, and it's now £124 instead of my quoted £110. I'm curious as to what has changed in the last 10 days to warrant a price increase?
Then after i paid the new fee, they send me a receipt email, and it says it starts from June 1st ?
Their reminder said June 3rd, as it always will do, as it's also my birthday so it's not something i really forget or mess up.
Very shoddy service. That was with Carole Nash, via The Bike Insurer comparison site. GoCompare had the same new higher price as well.
I've emailed them now, as i tried phoning but they're on reduced working hours due to you know what.
[/quote]


My son insured his KTM 390 on Thursday, to start at midnight, got quoted £450  by Devitts on one of the comparison sites, clicked on the link to go to Devitts website  it asked him to check his details again, then requoted him at £370.
If, as some else has already posted I think, that the closer to the renewal date you renew the price goes up is just more proof that vehicle insurance is not risk based anymore but only on what they think you will be willing to pay.

[fazersharp]

[quote author=VNA - BMW Wank link=topic=26145.msg314657#msg314657 date=1589709965]

I use mcn purely because you can have any mods apart from turbo or super charge, as soon as I put a list of my mods most insurance companies either don't want to know or ridiculous prices. Mcn do have a rip off mandatory excess.

A lot of these insurance companies have a statement in the small print.  Basically they make an assumption that your bike is standard.

I went on one website and they had a drop down list of add-ons that were classed as mods and every one i clicked bumped the price up, i think until the quote nearly doubled in price.
One of these add-ons was decals (stickers). That just takes the piss.
[/quote]wonder if stickers are a sign that it's been dropped or had an off ad you need stickers to cover so stickers = risk .

[Grahamm]

Went to pay the insurance yesterday, due on June 3rd, and it's now £124 instead of my quoted £110. I'm curious as to what has changed in the last 10 days to warrant a price increase?

The later you leave it, the more the price goes up, because, statistically, people who leave it late are more of a risk.

Martin Lewis' Money Saving Expert site recommends three weeks before the due date is the optimal time to get the best price :thumbup