Author Topic: Bike insurance  (Read 340 times)

Online Greybeard

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Bike insurance
« on: 13.02. 2021 14:29 »
My bike insurance is due for renewal. I'm trying to decide whether I should delay renewal. I think I only rode my bike for a local pootle once last year. What are you folks doing about bike insurance?

Online BigJim

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Re: Bike insurance
« Reply #1 on: 13.02. 2021 16:43 »
Paying a fortune for 3 bikes and 4 riders. Especially upsetting during lockdown. Am lucky to be able to afford it, my younger self would look on with envy. Go for it GB, the sun's coming out soon and it's legal to shop. Also you'll want some sort of fire or theft cover?
 *countdown* *bash* *good3* *beer*
Jamie,  Supporter of Distinguished Gentleman's Ride

Online RichardL

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Re: Bike insurance
« Reply #2 on: 13.02. 2021 16:44 »
No good gatherings to go to last year, but I got out a little more frequntly than once every two weeks when the weather was good. Basically, just riding normal circuits in the surrounding area to enjoy the feel and remind the bug world who's who. Therefore, I keep my insurance up to date.

Richard L.
Plan on signing up for the world-wide 2020 DISTINGUISHED GENTLEMAN'S RIDEon September 27, 2020. This year it's a solo or pillion ride in dapper attire. Watch website at https://www.gentlemansride.com for details.


Online Rex

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Re: Bike insurance
« Reply #3 on: 13.02. 2021 16:54 »
As said above, whether you're riding or not, theft and fire can strike at any time, and you can bet the day after it lapses some scroat will break in.. *conf*

Offline morris

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Re: Bike insurance
« Reply #4 on: 13.02. 2021 19:31 »
Can't you get an insurance via a club membership or something?
For both bikes and the Isis I have an insurance through the BEHVA (Belgian Historic Vehicle Association, a bit like FBHVC in the UK)
Yearly BEHVA membership is €27, first insured vehicle is about €72, all others are +€27 each with no limit on the number of vehicles you insure
Note that this is just basic coverage for damage to others, not to yourself or your bike.
There is the possibility to get more extensive cover but of course you'd pay more.
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Belgium

Online RDfella

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Re: Bike insurance
« Reply #5 on: 13.02. 2021 19:33 »
Can you get a cheaper 'off the road' renewal? I've done that sometimes with cars being restored.
'49 B31, '49 M21, '53 DOT, '58 Flash, '00 Firestorm, Weslake sprint bike.

Online Greybeard

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Re: Bike insurance
« Reply #6 on: 13.02. 2021 20:36 »
I hadn't considered the theft from home aspect.

Footman James are asking for £172.36 for the renewal. That includes a £20 arrangement fee FFS!

I have only one bike.

What do you UK chaps pay and who are you with?

Online Joolstacho

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Re: Bike insurance
« Reply #7 on: 13.02. 2021 22:56 »
Shannons cover my old bikes, 5 of them for about $250pa

Online terryg

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Re: Bike insurance
« Reply #8 on: 14.02. 2021 08:35 »
GB it sounds very much like it’s time to shop around. I tried a quick online quote through Peter James this morning and got £114 for fully comp at 1500 miles. I’d expect to do better than that with a bit more work.
Terry
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Online Rex

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Re: Bike insurance
« Reply #9 on: 14.02. 2021 08:40 »
I hadn't considered the theft from home aspect.

Footman James are asking for £172.36 for the renewal. That includes a £20 arrangement fee FFS!

I have only one bike.

What do you UK chaps pay and who are you with?

Five bikes total value £41500 with Carole Nash for £312.
I was with FJ until I discovered the hard way that their breakdown service is with the RAC, and they (RAC) were happy to leave me and my ancient Royal Enfield broken down by the side of a busy road on a freezing Saturday night from 7pm to "hopefully just after midnight sir, and if that's too long maybe leave the bike and get a taxi home?". Pr*cks.
Taking the ferry journey time out, the CN recovery scheme brought me and a bike home from Normandy in far less time than that.

Online Billybream

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Re: Bike insurance
« Reply #10 on: 14.02. 2021 09:04 »
Another vote for Carole Nash, paid £109.00 for single bike fully comp, agreed value,  with recovery, both UK and Europe. Tried to remove unwanted Europe element, but its standard feature.
1960 Super Rocket, owned since 1966, back on the road 2012 after being laid up for 29yrs.

Online RoyC

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Re: Bike insurance
« Reply #11 on: 14.02. 2021 09:56 »
I have just renewed my one bike with FJ for £252.67.

Renewal premium                     =  £ 190.67
Nil reductions salvage retention =  £   15.00
Agreed Value                            =  £   12.00
Excess protect                          =  £   15.00 
Arrangement fee                       =  £   20.00

Total                                         =  £ 252.67

I will soon have another one to fork out for.   *sad2*
My bike is a 1958 A7SS
Staffordshire UK

Online Angus

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Re: Bike insurance
« Reply #12 on: 14.02. 2021 10:13 »
I have always found Footman James very expensive, nearly twice other quotes the last time I tried them. I have been with Peter Best, Lexham + one other since I got the A7 back on the road. Last couple of year with Peter James, last renewal 4 bikes, fully comp, agreed value, recovery etc etc. £180.
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Online Black Sheep

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Re: Bike insurance
« Reply #13 on: 14.02. 2021 10:37 »
Moved from Carole Nash to Peter James. Saved me about £300... Recovery is with AA. Hope never to need it.
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Online Greybeard

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Re: Bike insurance
« Reply #14 on: 14.02. 2021 10:51 »
I have AA, (Automobile Association) membership for my vehicles. For the bike I'd only want recovery. Mind you I'm not looking forward to the inevitable stupidity when despite my insistence that the dispatcher send out a recovery vehicle they send out a chap to attempt to repair the bike followed by another wait for the recovery truck.  *pull hair out*