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Offline Kevin1953

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Insurance costs UK
« on: September 05, 2018, 10:08:29 AM »
I don't doubt this has be discussed to death but just wondering if any of you have multi bike policies and who is giving best deals at the moment? My renewal just came and has increased dramatically since I changed from the 1200RT to the XR any recommendations or avoidance advice welcome

Offline Mareng1

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Re: Insurance costs UK
« Reply #1 on: September 05, 2018, 10:28:46 AM »
Try Cornmarket (Belfast) - I found them to be good.

Offline Kevin1953

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Re: Insurance costs UK
« Reply #2 on: September 05, 2018, 10:50:36 AM »
Thanks I'll look them up.

Offline wessie

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Re: Insurance costs UK
« Reply #3 on: September 05, 2018, 11:39:28 AM »
Who is the current broker?

I have seen a lot of comments in various social media from those with Carole Nash multibike policies that the price increases are huge this year.

When I added a second new bike to my garage, both with a £13,000 price tag, a multibike policy was expensive. If my garage was raided and both bikes taken then the insurer would have to buy me 2 new bikes (that's the deal for a bike under 1 year old).

I ended up with 2 separate policies. One from Devitt, one from MCE. Fortunately I had a second no claim bonus available. total premiums were under £300. A multi bike policy was £580.

Anyway, the recommendations seen have been to try these 2 first, especially if one of the bikes is a classic
https://www.peterjamesinsurance.co.uk/index.php/products/modern-motorcycles
https://www.footmanjames.co.uk/

The above might be happy to arrange insurance for newer bikes only but they are classic specialists.

If you do not get any joy with the above, try your local branch of A plan. Not many brokers left with proper shops but they are more likely to tailor something rather than give up if the computer says no. You might be lucky and find the shop has a bike specialist with proper product knowledge.

After that, you are dealing with call centre people reading from screens. They will be taking calls about bikes, houses, cars and cats and have little knowledge of the product other than what is on the screen. However, from past experience, phoning them is more successful than trying to use an online quote engine, as these often do not accommodate multiple bikes.

Good luck.

Offline Kevin1953

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Re: Insurance costs UK
« Reply #4 on: September 05, 2018, 11:46:48 AM »
Thanks Wessie, I'm with Bikesure at the moment 2 bikes (XR and MT-07) they want about £550. I have a few to phone now. I agree that it's much easier to phone as you can talk multi bike but can''t do it online. Both bikes are new so might be better with 2 policies.

Offline wessie

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Re: Insurance costs UK
« Reply #5 on: September 05, 2018, 12:28:26 PM »
*Originally Posted by Kevin1953 [+]
Thanks Wessie, I'm with Bikesure at the moment 2 bikes (XR and MT-07) they want about £550. I have a few to phone now. I agree that it's much easier to phone as you can talk multi bike but can''t do it online. Both bikes are new so might be better with 2 policies.

Bikesure - that's a name that is increasingly cropping up on forums I read, too. Not in a good way.

I went with Hastings this year for the 2 policies. There's a month between them. Can't recommend them as it took a long time to get through on the phone to complete a mid-term adjustment when I bought the XR. Plus they have high change fees.

Offline wilbert

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Re: Insurance costs UK
« Reply #6 on: September 05, 2018, 04:54:16 PM »
Each time I have looked into multi bike policies they have been more expensive than having 2 separate ones. That even includes starting the second bike on zero no claims as in the stupid world that is insurance it seems it's the bike that earns the no claims and not the rider........... That is until you need to claim and then they load every insurance policy you have.

Online Bree

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Re: Insurance costs UK
« Reply #7 on: September 05, 2018, 04:57:42 PM »
Bemoto run by Bikers and very knowledgeable when it comes to bikes.  Multi Bike Titanium Cover. As standard you get.
£100,000 Legal Cover
European Cover upto 90 90days, Including EU Rac Breakdown Cover.
Rac breakdown cover, at Home, Roadside assistance, Recovery & onward Travel.
£20,000 Personal Accident Insurance.
£1500 Helmet & Leathers or protective Clothing.
Premium £370.00
Everything  Will Be Alright In The End, If Not Then Its Not The End.

Offline Kevin1953

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Re: Insurance costs UK
« Reply #8 on: September 05, 2018, 05:31:58 PM »
thanks Bree, that sounds reasonable. I'll give them a call

Offline Sheppy

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Re: Insurance costs UK
« Reply #9 on: September 05, 2018, 07:00:16 PM »
Purchased mine through Hastings
XR 2015 and 2004 Z1000 £229.00 with protected nc

 


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