Active Topics


Author How much do you pay?  (Read 111113 times)

0 Members and 3 Guests are viewing this topic.

  • Offline plodgeman   england

    • SX Master  ‐    428
    • ****
      #280

    Offline plodgeman

    • SX Master
    • ****
    • Posts: 428
    • Bike: 2012SX
    • Country: england
    Re: How much do you pay?
    Reply #280 on: 28 Nov 23, 06:50:00
    28 Nov 23, 06:50:00
    *Originally Posted by DW-SX [+]
    Christ that's good!

    Renewed September gone £215 fully comp. 2 years NCB.

    Swinton

    Devitt / Bennett etc couldn't match it.

    Although I don't like to tempt fate I have 10 years plus no claims on both bike and car. The other thing is that I only do a low mileage on the bike, (I'm fortunate it's for enjoyment only).

  • Offline Scotty001   gb

    • SX God  ‐    1513
    • *****
      #281

    Offline Scotty001

    • SX God
    • *****
    • Posts: 1513
    • Bike: 17 Z1000sx
    • City / Town: Hampshire
    • Country: gb
    Re: How much do you pay?
    Reply #281 on: 29 Nov 23, 09:42:21
    29 Nov 23, 09:42:21
    *Originally Posted by plodgeman [+]
    The other thing is that I only do a low mileage on the bike, (I'm fortunate it's for enjoyment only).
    Hopefully not too low that could count against you and put the premium up

    low miles / use = in experience through lack of use / time on the bike, more chance of being in an accident.

    Next time you do an online quote play around with the milage and see if the premium changes, you may find by declaring more miles the premium goes down, but add too many it flips the other way and premium could go up

    Too high miles / use = lots more time on the bike so higher chance to be involved in an accident.
    there will likely be a middle sweet spot. It may save some more pennies.

  • Online DW-SX   gb

    • SX Pro  ‐    170
    • ***
      #282

    Online DW-SX

    • SX Pro
    • ***
    • Posts: 170
    • Bike: Z1000sx - 2013
    • Country: gb
    Re: How much do you pay?
    Reply #282 on: 30 Nov 23, 09:01:25
    30 Nov 23, 09:01:25
    They know how to get you don't they!

    Bastards.

     :087:

  • Offline gavuk   gb

    • SX Master  ‐    340
    • ****
      #283

    Offline gavuk

    • SX Master
    • ****
    • Posts: 340
    • Bike: Z1000sx 2017
    • City / Town: Cornwall
    • Country: gb
    Re: How much do you pay?
    Reply #283 on: 30 Nov 23, 09:32:27
    30 Nov 23, 09:32:27
    Just checked mine.

    Bennetts. Max protected ncd. 4000 miles per year. Other bikes 3rd party with consent. Etc all the normal conditions

    £116 fully comp for my 2017

    But I'm old at 56, bike is garaged at home and cornwall is 'safe' or less risky compared with cities.

    Insurance as someone else has pointed out is only theoretical until you make a claim and then you see how good it is.  :087:

  • Offline plodgeman   england

    • SX Master  ‐    428
    • ****
      #284

    Offline plodgeman

    • SX Master
    • ****
    • Posts: 428
    • Bike: 2012SX
    • Country: england
    Re: How much do you pay?
    Reply #284 on: 30 Nov 23, 08:27:28
    30 Nov 23, 08:27:28
    *Originally Posted by Scotty001 [+]
    Hopefully not too low that could count against you and put the premium up

    low miles / use = in experience through lack of use / time on the bike, more chance of being in an accident.

    Next time you do an online quote play around with the milage and see if the premium changes, you may find by declaring more miles the premium goes down, but add too many it flips the other way and premium could go up

    Too high miles / use = lots more time on the bike so higher chance to be involved in an accident.
    there will likely be a middle sweet spot. It may save some more pennies.

    Absolutely correct, in fact I have done that very exercise.

    We are all at the mercy of computers and the data put into them. Unfortunately they do not understand reality and base their conclusions on the information they are given together with that data. (To qualify that, a young newly qualified driver I work with has the insurance 'black box'. Pays more for his policy than the car cost him ffs!)

    The very word, 'accident', is a complete misnomer. Error or, misjudgement are probably more correct - my personal favourite is 'being a f*****g idiot

    Ultimately we all have to search for the best deal we can find for ourselves as inevitably, profit and money drive all

  • Online Timmy_Biker   gb

    • SX Master  ‐    686
    • ****
      #285

    Online Timmy_Biker

    • SX Master
    • ****
    • Posts: 686
    • Bike: 2016 Z1000SX Tourer
    • City / Town: Devon
    • Country: gb
    Re: How much do you pay?
    Reply #285 on: 01 Dec 23, 09:22:21
    01 Dec 23, 09:22:21
    *Originally Posted by gavuk [+]
    Just checked mine.

    Bennetts. Max protected ncd. 4000 miles per year. Other bikes 3rd party with consent. Etc all the normal conditions

    £116 fully comp for my 2017

    But I'm old at 56, bike is garaged at home and cornwall is 'safe' or less risky compared with cities.

    Insurance as someone else has pointed out is only theoretical until you make a claim and then you see how good it is.  :087:

    Might try Bennett's next time  :820:

  • Offline Teddybear

    • SX Member  ‐    89
    • **
      #286

    Offline Teddybear

    • SX Member
    • **
    • Posts: 89
    • It's only rock n roll but I like it...lol
    • Bike: Z1000sx 2018
    • City / Town: Northants
    Re: How much do you pay?
    Reply #286 on: 29 Dec 23, 01:05:49
    29 Dec 23, 01:05:49
    May have already been mention but no one can compared insurance quote to someone else's even with same bike...
    Main one being someone in the next postcode could be different if there are more thefts in that postcode let alone age,job description any motor trade defo affects where it is stored the list goes on... :431:
    It is a lottery for sure avoid auto renew as this is just a quote from previous insurer not the best one for the year ahead...Good luck riding is always worth the effort remember..  :062:

     



    expletive