Info That Might Help.

[elliotsdaddy]

Hello all.

Just wanted to share a bit of info with regards insurance.

I have been looking to insure my Sherco 290 (road registered) once I completed my bike licence.

I called all the various 'speacialist' companies whos names crop up around these parts when you search for insurance guidance.

All in all it was a pretty dissapointing experience up until this week.

The company I was most dissapointed with was Carol Nash. The chap I spoke to was rather aggressive in his manner and I certainly didn't expect to be in a rather heated debate with someone about the bike, considering I was trying to give them business.....anyway.....back to topic, here are some stats -

Age - 33

Marital Status - Divorced or depending on your point of view

Bike - 2007 Sherco 290

Miles per year - Under 1000

NCB - 0

Claims - Nope

Bike value - £1500

Security - Oxford Boss Disc Lock

Licence held - Less than 1 month

So taking into accout the NCB, having only just passed my test, the low mileage and the kind of bike it is, I still wasn't expecting £600+ figures for fully comp insurance.

On average it was pretty much £600+ fully comp (ie we don't want to insure you fully comp), £300+ TPF&T and the cheapest quote I got was £178 TP only.

Now, I'm not planing on being on the road that much so I'd like to think having a prang is quite unlikely (um, oooops! might be a jinx right there) but I would very much like cover for theft, which is more likely.

So it looked like i was going to cough up for the TPF&T, until I went on thebikeinsurer website....check out the quotes from H&R Insurance -

Fully Comp - £450 total excess - £218

TPF&T - £450 total excess - £79

TP Only - £0 excess - £75

Excatly the same cover under exactly the same circumstances as the 'specialist' insures, and way, way cheaper.

I have gone for TPF&T for less than £80 as I probably won't be using it enough to warrant the fully comp quote, even though £218 is still good I think.

So if you are looking for insurance, give thebikeinsurer a try and don't limit yourself by just sticking to the few 'speacialist' firms.

I hope this info is helpful to someone as we all want to save money when it comes to insurance, especially on the run up to the festivities....so using 'man maths' it looks like I am about £220 up.....so does that mean I can make another juicy Splatshop order?

Thanks,

Chris.

[cabby]

£450 excess on a £1500 bike with a policy payment of £80.

On a 5 grand bike I can understand, on a £1500, hmmm......

[elliotsdaddy]

£450 excess on a £1500 bike with a policy payment of £80.

On a 5 grand bike I can understand, on a £1500, hmmm......

It is quite a high excess, but I would rather pay £450 and get something out of it than swallow the loss of a £1500 bike should something happen, and still have to fund a replacement.

Besides, as I want to use it on the road, it's a must, regardless of the bikes value or the excess costs.

Chris.

[cabby]

You're aware they are hellish on the road.....aren't you

[elliotsdaddy]

Haha yeah I can imagine that they are pretty, um, entertaining shall we say.

I'm only a couple of minutes in various directions from the woods where I live, so I will only be pottering to and from natures playground. Certainly no fancy 'urban trials' that you see on YouTube, well, not yet anyway.

Chris.

[breagh]

You're aware they are hellish on the road.....aren't you

Nicely put ,only for a short time until they expire which is about 3 miles if you don't nurse them like a day old baby.

Interesting about the insurance though.

[kwackerdave1]

Few years ago after spending a day at Fersit in the SSDT I followed a young Lampkin out of the farm. On my ZZR 1200 I never saw him after 1/2 mile. I tried but couldn't keep up. Exciting ride for him.