Go Back   Horizons Unlimited - The HUBB > Technical, Bike forums > Yamaha Tech

Yamaha Tech Originally the Yamaha XT600 Tech Forum, due to demand it now includes all Yamaha's technical / mechanical / repair / preparation questions.
Contact Overland Solutions for all your custom modifications and setup for overland travel.

Reply
 
LinkBack Thread Tools Display Modes
  #1  
Old 26 Apr 2012
kentfallen's Avatar
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Sheppey, Kent, England, UK
Posts: 668
XT600 HUBB Go Compare Thread- What's your quote?

Thought I'd let you all know what I'm paying for my bike insurance. I'm sure some will find it helpful. It's for ONE bike (1999 XT6E).

I'm an old (or is it odd) git of 48. Bike worth £2,000 ish (a low mileage minter). Full licence holder since 1980, clean licence (no points), no claim history in 25 years of riding.

Bennets
Fully Comprehensive (Kent) ME postcode

Social Domestic and Pleasure only
No legal cover
4 years no claims (gaps in cover while SORN).
no mileage restriction
pillion cover
Kept in garage
No alarm
Security - chain and padlock.

£79 (£63 last year).

I'm happy with that.

I have no legal cover (£25 extra) because in my experience this is an utter waste of time. I have a law degree (LL.B) and can do a much better job myself. My household insurance gives full legal cover in any case.

Hopefully someone might find this helpful to establish if they are being ripped off?

Why not post your own cover & cost in a similar manner? Be careful not to post anything sensitive. If enough contribute it could turn out a very useful resource for all of us?
__________________
Triumph Bonneville 800 (2004), Yamaha XT600E (1999), Honda XBR500 (1986).

Reply With Quote
  #2  
Old 27 Apr 2012
Gold Member
Veteran HUBBer
 
Join Date: Oct 2011
Location: on the road...
Posts: 455
thanks for sharing this, someone may find it helpful, however, there are hundreds of variables that effect your price quoted, postcode, age, occupation. I doubt anyone in the world would match your identical circumstances!
__________________
'Life begins at the end of your comfort zone'-
http://fernsforays.com/ UK to Asia on a DRZ400 2012-2013
Reply With Quote
  #3  
Old 29 Apr 2012
Registered Users
Veteran HUBBer
 
Join Date: Feb 2010
Location: Border Ranges Northern NSW, Australia
Posts: 777
Hang on, Niel are you not an ex bike cop with advanced riding ticket?

That would make a huge difference on comaprison to the average Joe Public surely? (and don't call me Shirley).

Mezo.
__________________
http://www.tenere.co.uk/
Reply With Quote
  #4  
Old 29 Apr 2012
kentfallen's Avatar
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Sheppey, Kent, England, UK
Posts: 668
Mezo,

Yes BUT when I took it out of my online quotes the quote remained exactly the same.

Age seems to be the most important thing.

I'd like to point out that former Class 1 Police Riders don't get given a "ticket" as you describe. What if you were a Police rider in Africa or Asia - you can still rightly call yourself a trained police rider. In any case, I have NEVER been asked to prove I'm ex Class 1 rider.

Don't be too impressed with a mere title or label - I met one or two Police Class 1 riders who were terrible on two wheels. Also I think sometimes police riders have a too high opinion of themselves and their riding ability. This often comes out as pure arrogance and it's these fools who give the rest a bad name.

The purpose of the thread was NOT to rub anyone's nose in it - I just thought this quote was competitive and that others might find it helpful.

I really think that 40 year olds plus should be looking to get their XT6E bike quotes sub £100.
__________________
Triumph Bonneville 800 (2004), Yamaha XT600E (1999), Honda XBR500 (1986).

Reply With Quote
  #5  
Old 30 Apr 2012
Registered Users
Veteran HUBBer
 
Join Date: Feb 2010
Location: Border Ranges Northern NSW, Australia
Posts: 777
Well we have a thing here called "Rego" (registration) every car/bike that's on the road is 3rd party insured, so even if your skint (like me) at least if you ram your XT up the date of a Veyron you covered, for free.

Mezo.
__________________
http://www.tenere.co.uk/
Reply With Quote
  #6  
Old 30 Apr 2012
kentfallen's Avatar
Registered Users
Veteran HUBBer
 
Join Date: Jan 2008
Location: Isle of Sheppey, Kent, England, UK
Posts: 668
Mezo,

That's actually quite a good idea....

Over here there is a huge problem with uninsured motor vehicles (all types). I presume you will pay a small additional premium to pay for this FREE cover when you buy the thing? Or perhaps the manufacturer/retailer pays it?

I'm afraid over here everything is against young riders which I happen to think is very unfair. Rider history is far more important than just mere age.

Instead of loading the premiums of young riders based on just age and what they ride, the insurance industry should tackle the problem of bent "no win, no fee" lawyers who are responsible for most premium increases. Far too many lawyers who will do almost anything for money including commiting insurance fraud (aided by dubious doctors).

Premiums are also being increased by gangs of Asian's in North England who are organising "crashes" on a huge scale and then making hundreds of fraudulent claims (just have a look at the facts yourself - 90% of this kind of crime is being commited by ethnic Asians).

Here in the UK we have far too many solicitors. Almost 30% of graduates are law graduates!

Some countries in Europe load the registration number plates with insurance cover and vehicle tax. This also seems a good idea compared to our own disjointed system here in the UK.
__________________
Triumph Bonneville 800 (2004), Yamaha XT600E (1999), Honda XBR500 (1986).

Reply With Quote
  #7  
Old 30 Apr 2012
bacardi23's Avatar
Registered Users
Veteran HUBBer
 
Join Date: Sep 2007
Location: XXX<-Portugal->Azores->Santa Maria (island)
Posts: 1,524
After this year (including) I'll only be paying 22.54€ yearly.

It's only due to a particular insurance protocol that specifies the my 1990 XT600E is over 20years of age making it a Classic.
This protocol can only be activated if show to the insurance mediator proof that the bike is used not as the primary vehicle by means of showing them a copy of my car insurance.
And the use of the bike is not limited nor in days or kilometers per year!


Vando
Reply With Quote
  #8  
Old 2 May 2012
Registered Users
HUBB regular
 
Join Date: Jan 2006
Location: South Australia
Posts: 28
Registration

AFAIK registration in Oz only includes third party insurance for personal injury, not property damage.

When I had a comprehensive policy to cover loss and damage to my own bike and property damage to others, I was paying around $300-, which in Oz is around 25% of the average weekly wage.

I am 65 with a full no claims bonus, garaged, good post code, etc.

However, as I usually have two or three bikes on the road at any one time, and probably all of them on the road at some time during any given year, and I have been unable to find anyone who offers a multi vehicle policy at any meaningful discount I have let my policies lapse a few years back and become self insured - at $1500- a year I have about $7,000- in the kitty already!
Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 Registered Users and/or Members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Steps to Buying a Used Bike in Santiago Chile lachy South America 69 12 Sep 2014 23:13
A Gringo in Colombia Ride4Adventure Ride Tales 13 20 Apr 2012 02:15
Information wanted from experienced bikers in South America joentje100 South America 35 1 Jan 2010 03:00
Looking for some help in getting started TotalTomination South America 20 30 Oct 2009 17:02
Buying and registering a motorcycle in Chile timyarb Trip Paperwork 12 23 Oct 2009 16:42

 
 
 

NEW! HU 2015 Motorcycle Adventure Travel Calendar is now available! Get your copy now for some terrific travel inspiration!

HUGE, 11.5 x 16.5 inches, beautifully printed in Germany on top quality stock! Photos are the winning images from over 600 entries in the 9th Annual HU Photo Contest!

Horizons Unlimited 2015 Motorcycle Adventure Travel Calendar.

"The calendar is magnificent!"

"I just wanted to say how much I'm loving the new, larger calendar!"

We share the profit with the winning photographers. YOU could be in the HU Calendar too - enter here!

Next HU Eventscalendar

See all events

 

HU DVD Autumn Special!

Take 40% off Road Heroes Part 1 until October 31 only!

Road Heroes features tales of adventure, joy and sheer terror by veteran travellers Peter and Kay Forwood (193 countries two-up on a Harley); Dr. Greg Frazier (5 times RTW); Tiffany Coates (RTW solo female); and Rene Cormier (University of Gravel Roads).

The first in an exciting new series, Road Heroes features tales of adventure, joy and sheer terror by veteran travellers."Inspiring and hilarious!"

"I loved watching this DVD!"

"Lots of amazing stories and even more amazing photographs, it's great fun and very inspirational."

"Wonderful entertainment!"

Check it out at the HU Store! Remember to use Coupon Code 'HEROES' on your order when you checkout.



Scottoiler automatic chain oilers. The most important accessory for your next motorcycle adventure!


Renedian Adventures


Renedian Adventures

What others say about HU...

"I just wanted to say thanks for doing this and sharing so much with the rest of us." Dave, USA

"Your website is a mecca of valuable information and the DVD series is informative, entertaining, and inspiring! The new look of the website is very impressive, updated and catchy. Thank you so very much!" Jennifer, Canada

"...Great site. Keep up the good work." Murray and Carmen, Australia

"We just finished a 7 month 22,000+ mile scouting trip from Alaska to the bottom of Chile and I can't tell you how many times we referred to your site for help. From how to adjust your valves, to where to stay in the back country of Peru. Horizons Unlimited was a key player in our success. Motorcycle enthusiasts from around the world are in debt to your services." Alaska Riders

contest pic

10th Annual HU Travellers Photo Contest is on now! This is an opportunity for YOU to show us your best photos and win prizes!

NEW! HU 2014 Adventure Travel T-shirts! are now available in several colors! Be the first kid on your block to have them! New lower prices on synths!

HU 2014 T-shirts now in!

Check out the new Gildan Performance cotton-feel t-shirt - 100% poly, feels like soft cotton!


What turns you on to motorcycle travel?


Global Rescue, WORLDwide evacuation services for EVERYONE

Global Rescue is the premier provider of medical, security and evacuation services worldwide and is the only company that will come to you, wherever you are, and evacuate you to your home hospital of choice. Additionally, Global Rescue places no restrictions on country of citizenship - all nationalities are eligible to sign-up!


New to Horizons Unlimited?

New to motorcycle travelling? New to the HU site? Confused? Too many options? It's really very simple - just 4 easy steps!

Horizons Unlimited was founded in 1997 by Grant and Susan Johnson following their journey around the world on a BMW R80 G/S motorcycle.

Susan and Grant Johnson Read more about Grant & Susan's story

Membership - help keep us going!

Horizons Unlimited is not a big multi-national company, just two people who love motorcycle travel and have grown what started as a hobby in 1997 into a full time job (usually 8-10 hours per day and 7 days a week) and a labour of love. To keep it going and a roof over our heads, we run events (22 this year!); we sell inspirational and informative DVDs; we have a few selected advertisers; and we make a small amount from memberships.

You don't have to be a Member to come to an HU meeting, access the website, the HUBB or to receive the e-zine. What you get for your membership contribution is our sincere gratitude, good karma and knowing that you're helping to keep the motorcycle travel dream alive. Contributing Members and Gold Members do get additional features on the HUBB. Here's a list of all the Member benefits on the HUBB.


Books & DVDs

amazon

All the best travel books and videos listed and often reviewed on HU's famous Books page. Check it out and get great travel books from all over the world.


Motorcycle Express for shipping and insurance!

Motorcycle Express

MC Air Shipping, (uncrated) USA / Canada / Europe and other areas. Be sure to say "Horizons Unlimited" to get your $25 discount on Shipping!
Insurance - see: For foreigners traveling in US and Canada and for Americans and Canadians traveling in other countries, then mail it to MC Express and get your HU $15 discount!




All times are GMT +1. The time now is 22:44.