Full Comp for Ozzie
 

Hi folks,
I am an Australian citizen and resident and am planning a 90 day tour of Europe, starting in early June. Getting hold of a bike is not an issue, having done a deal with another Hubber, Chris, at welovebikes.com. The drama starts when I try to get full comp cover for the bike, with the only responses so far saying that they will only cover UK residents.
Can anyone help with the name of a company which I can can use ? This must be possible as others have done it before. If it requires some shonky deals, then so be it, but I will not be doing the trip without it, that much is certain. I do have a UK drivers license.
Cheers,
Gav.

Hey mate,

I'm a kiwi and looking at doing a similar trip in june but for a bit longer.
What address are you going to keep on your drivers licence? could you use the same for your insurance? or maybe use a friends address? That's what i will probably be doing.
Have you got a route sorted yet?

Sorry. can't help on that one mate but I do question the need for insurance. I've owned 40+ bikes over the last 38 years and not one has been insured, including the 5 in my garage at present.

hey man,

just use a friends address or a hostel's, you'll be a resident there when you apply, they will not know any difference. You have to be prepared to break a lot of rules if you wanna ride around the world.

I am a Kiwi myself, living in Perth. I had insurance previously, when I did courier work in London a few years ago so it may just be possible to just walk in and get another policy. I don't want to wind up in the crapper, owning a bike but unable to ride it, so I am trying to make sure the bases are covered. It is not so much the chance of an accident pushing this, as it is the legal requirement in both the UK and Europe.
At the moment, the only part of the trip which has any planning, is the leg from Portsmouth to Cherbourg then down to northern Portugal. After that, it's a case of follow the road and the guidebook.
When do you intend to be getting out of the UK. We may be able to catch up for a beer.
Cheers,
Gav.

I can appreciate the idea, but unfortunately it is a legal requirement to have insurance in both the UK and Europe.

Thems the breaks :(

Yeah, when I was over there 20 years ago, the idea of bending the rules didn't seem so important. I am only there for a good time, not a long time, so I may have to just harden up a bit.
Cheers,
Gav.

Might miss you i think.
I'm looking at leaving late June but will be heading up Norway, Finland, baltic states and then down eastern europe to turkey and then follow the med coast around to Spain, Morocco etc.

don't know how long it will take but i will be quitting my job anyway :)

UK insurers are complete and utter *****. If they can find a way not to pay out they will. Go on line and use an address you are at and get third party only. That makes you legal and gives you a slip of paper that will keep the authorities off your back anywhere in the EU for 90 days at a time (there is usually a limit on how long you are covered outside the UK). The fully comp bit is a waste of money unless you can provide 100% true, verifiable proof that you jumped through all their hoops (UK citizen, UK address, bike is black not dark blue, right date on the forms, no spelling mistakes etc.) as the ******s simply won't pay out when you need them to. We jump through their hoops and they still don't pay, so save your money.

How's your French or German? The Europeans seem to have insurance companies that seem more interested in providing a service rather than just taking your money because the government force you to. That or try brokers in London where a lot of Australians live. Expect to pay probably half the value of the bike for fully comp if you can't meet all their requirements.

If the bike has a UK plate, ever cop car in the country can check your insurance status in minutes, so don't think you can escape the third party cover requirement. In all honesty and not wishing to ruin your plans, I'd start in another country with less of a police state.

Andy

Try Carole Nash.....I had fully comp insurance through them in 2008. Cost was 183 British Pounds for 4 months cover, which wasn't too bad. I was on my Aussie registered bike and used my Aussie address.

Do you have an address for the office you used ? I might give them a shot. If all else fails, I will probably go the dodgy route, but I don't really want to if I don't have to. The third party only cover seems to be the best way to go at the moment though.
Cheers,
Gav.

Hi gav, if it helps you out you can use my address for your insurance, PM me if i can help i will, cheers, Andy. good look.

Thanks Andy, but I'm ok for an address to put on a policy, as my brother lives in London. I was wondering about where the Carole Nash office he went through was, if it's in London. My plan is to only be in the UK long enough to pick up the bike and get the insurance sorted, then I'm away. I was hoping for no more than 4 days.

gav, phone or take out cover online then get the insurance company to e-mail your certificate print it out and off you go, i dont know that you can pick up policy's direct from the insurance companys as you would normally buy cover from an agent. Don't know if this link is of any use, also i think you mat be able to buy cover from any post office. cheers.
Carole Nash
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Wot Buckles said - online :mchappy:

Hey, thanks for that Buckles. I have just had a look on their website and gone through the quote form, only to find that I am too early. It needs to be done sometime next month, for some reason. It looks ok though, just a little bending of the truth reqired.:innocent: The only concern is that where they ask if I had previously had bike cover, the company I had it with are not listed, which could possibly be a handbrake. I think it is better to say that, yes, I have had insurance before, so that any past history in the UK is not so suspect, but if they go looking, things could fall in a heap.
It's all a bit of a worry, but at the same time, it's also a bit of a giggle, really.

If you are claiming a bonus for not claiming in previous years (NCB) they will do one or two things. First they'll look you up on the insurers database. You won't be there, but that doesn't matter you can drop off by moving house etc. To get round that they'll ask for your previous insurance details. If you can send them an Australian certificate it'll blow their minds and they'll probably refuse to cover you just because the call centre drones won't know what to do (but they could just process it).

If you didn't claim NCB they probably won't care.

My thoughts would be to call rather than go online if you've got a UK address, some of the call centre people do actually know how to deal with something other than a CBR600 in Basingstoke and if they enter details that are useful for you that info's there for the drones as gospel forever. If you need to try both routes, try Bennetts, they are Carole Nash's big competitor. Equally useless where it counts, but equally slack when in comes to checking details that don't involve your credit card.

Andy

hi Gav, The reason they ask for proof of previous cover is i think for NCB, no claims bonus, every year that is accident free you get a years NCB. you may have to provide proof , old certificate, policy number. NCB only lasts 12 month from the date the old policy expired but can vary between companies, don't worry if you do not have any it only means the new policy will be more expensive as you are classed a higher risk, hence the no claims proof. look on the motorcycle news web site there's heaps of insurance company adds. you could get between 10- 30% discount for being a new customer= one years NCB, later, Andy

Hi Andy, Are you gion to east Leeds lions this weekend, i started packing my bike last night then as i was checking things over broke the clutch cable:confused1:,so now its a mad dash to bodge up a replacement.