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Offline ukbiker

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Insurance for CR has shocked me
on: December 02, 2012, 12:24:42 AM
Hi

Just been looking cover, but the best I can find is about £460 fully comp.
I have 10 years no claim bonus.

Why is it so high?

My CBF1000 cost me £180 per year last year.
Am I missing something, or missed.

Offline TroggysRevenge

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Re: Insurance for CR has shocked me
Reply #1 on: December 02, 2012, 01:34:01 AM
Make sure they're quoting for the Crossrunner not the VFR800. My opinion is that the Crossrunner should be in a lower insurance bracket than the sports bike (I can't speak for the UK though).
I found here that the Crossrunner being very new to the market, they were just giving me quotes based on the VFR. I basically told them either quote on the correct bike or I go somewhere else. They didn't have it in the 'system' so I told them not to bother proceeding.
The only insurer that had the Crorrunner listed correctly here in Australia is QBE, and their premium was significantly lower than anybody else - less than half the price in some cases.  If you have QBE over there they may be worth a look.
I posted something about it about it here -> https://www.honda-crossrunner.com/index.php/topic,541.msg4226.html#msg4226.

Shaunomercy

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Re: Insurance for CR has shocked me
Reply #2 on: December 02, 2012, 08:02:50 AM
Bennets as much as I dislike quoted 200.  Thats with 6 years ncb.  Compulsory excess of 250,  Voluntary excess 0.  YES ZERO.   The policy shop quoted 185 and dont mind mods too much UNLIKE BENNETS which try and say a baglux tank cover is a modification..... :151:  A call to the insurance ombudsman sorted that. :150:

Bike is garaged.  I did ask for a refund for the 3200 mile I didnt cover last year but they wont refund.  (policy shop)  Another written complaint to the insurance ombudsman.  This time because of the hell of it.  If they want to charge based on a risk of how many miles your expecting to cover, then a refund should be fourth coming when you have not covered the mileage and the risk has been lower  :007:

Try mcn go compare too.

Paul

danesman

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Re: Insurance for CR has shocked me
Reply #3 on: December 02, 2012, 09:41:03 AM
It might be worth giving Carole Nash a ring, just renewed FC for 190.00 thats with 4 yrs No Claims protected. Also UK and European accident and breakdown cover, £300 excess. Premium came down £ 40.00 from last year.
No probs with it being a new bike, very straight forward just like it should be really

Pete

Offline wedge

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Re: Insurance for CR has shocked me
Reply #4 on: December 02, 2012, 09:58:02 AM
I'm with the policy shop too just on the grounds they halved everyone elses quote.
No idea what they're like as a company or in the event of a claim I just do the
cheapest every time.

They must be using a different underwriter with me as when the declaration came
it already had "modifications: tank pad" filled in as if they assumed everyone had
them. In my view if it sticks on it aint a mod!!!

Starting to get silly now, I think the ombudsman needs to publish an official list of
things that should affect your insurance and those that shouldn't before we end up
having to declare tax disc holders etc

Shaunomercy

  • Guest
Re: Re: Insurance for CR has shocked me
Reply #5 on: December 02, 2012, 02:35:13 PM
*Originally Posted by wedge [+]
I'm with the policy shop too just on the grounds they halved everyone elses quote.
No idea what they're like as a company or in the event of a claim I just do the
cheapest every time.

They must be using a different underwriter with me as when the declaration came
it already had "modifications: tank pad" filled in as if they assumed everyone had
them. In my view if it sticks on it aint a mod!!!

Starting to get silly now, I think the ombudsman needs to publish an official list of
things that should affect your insurance and those that shouldn't before we end up
having to declare tax disc holders etc

Actually you have a very good point.  Bennets will get a call over tax disk tomorrow 8) just for the hell of it.

Paul


Offline Slidy

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Re: Insurance for CR has shocked me
Reply #6 on: December 02, 2012, 07:54:14 PM
Didnt Bennets have a no more than 3 mods policy last year and the mods, as well as tank bags, even included stickers? If a sticker is a mod which may alter the handling, value or perfomance of a bike then thats ok . . . . you can see where I was going with this without my swear words!!!

Offline mrvelcrofast

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Re: Insurance for CR has shocked me
Reply #7 on: December 02, 2012, 10:42:07 PM
For the past few years I've been using a very small specialist bike insurers in Romford called 'Traders and General'.
They undercut everyone else significantly.
Small and friendly!

Offline ukbiker

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Re: Insurance for CR has shocked me
Reply #8 on: December 03, 2012, 11:24:47 PM
That is great help guys.
Will try go compare.
Also I think they are telling me what I want hear when I ask them what bike model are you quitting me.
I am gona go check if it is just a vfr.
So far MCE is the lower the lower broker I can find for £460

Diria

 



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