Go Back   Horizons Unlimited - The HUBB > Technical, Bike forums > Yamaha Tech
UK Insurance UK Insurance
Register FAQ Calendar Today's Posts
Yamaha Tech Originally the Yamaha XT600 Tech Forum, due to demand it now includes all Yamaha's technical / mechanical / repair / preparation questions.
Photo by George Guille, It's going to be a long 300km... Bolivian Amazon

I haven't been everywhere...
but it's on my list!


Photo by George Guille
It's going to be a long 300km...
Bolivian Amazon



Reply
Page 1 of 2 1 2
 
LinkBack Thread Tools Display Modes
  #1  
Old 24 Dec 2009
BlackDogZulu's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Oct 2008
Location: West Wales, UK
Posts: 753
UK Insurance
Time for renewal, and I have gone for eBike this time - £175 for the two bikes, compared with Bennett's £307. That seems a cracking deal - almost too good to be true. Anyone else used these, and are there any drawbacks? Will I live to regret it?
__________________
2006 XT660R daily ride, 1994 XT600E about to be reborn, Blog: http://goingfastgettingnowhere.blogspot.com/
Reply With Quote
  #2  
Old 24 Dec 2009
Tenere Tom's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Aug 2007
Location: Leeds UK
Posts: 449
Quote:
Originally Posted by BlackDogZulu View Post
Time for renewal, and I have gone for eBike this time - £175 for the two bikes, compared with Bennett's £307. That seems a cracking deal - almost too good to be true. Anyone else used these, and are there any drawbacks? Will I live to regret it?
Not that good a deal - mine was just over £100 (eBike) for the year!!!
That's without any no claims bonus either - you can't be lying enough on your form!!!
__________________
Tom
I'm a country member...
Reply With Quote
  #3  
Old 24 Dec 2009
Registered Users
Veteran HUBBer
  
Join Date: Aug 2009
Location: Dorset UK
Posts: 395
Back in the day (apart from the old Norwich Union Rider Policy), we used to get the minimum cover insurance, "Road Traffic Act", which was dirt cheap, but ONLY covered the bare min legal requirements.....
Reply With Quote
  #4  
Old 24 Dec 2009
BlackDogZulu's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Oct 2008
Location: West Wales, UK
Posts: 753
Quote:
Originally Posted by Tenere Tom View Post
Not that good a deal - mine was just over £100 (eBike) for the year!!!
That's without any no claims bonus either - you can't be lying enough on your form!!!
I'm amazed - how did you do that? I live in the cheapest possible postcode, and I am 50+ with a clean licence and 3 years NCD. The only downside for the insurers is that the bike lives in the open on my property and not locked away. Other than that, I should be the best risk going. I thought under 200 quid for two bikes for a year was pretty good.

With your address (Leeds - used to live there) and the bikes in your sig and no NCD, I thought you would be a far worse risk than me.
__________________
2006 XT660R daily ride, 1994 XT600E about to be reborn, Blog: http://goingfastgettingnowhere.blogspot.com/
Reply With Quote
  #5  
Old 24 Dec 2009
Registered Users
HUBB regular
  
Join Date: Dec 2005
Location: Simonstone, Lancashire, England
Posts: 63
I've had the Tenere on e-bike for the last two years, this year (it runs out next week) they have gone down from £148 to £132, but Swinton are offering £69.09 plus £25 for legal cover, so will be shopping arround

Thats for only 1 bike, best I found for two was Bennetts at £224 but the K1200s with BMW insurance is only £130 and thats got 4 months still to run.
__________________
Take care out there
Brian

Britch's Holidays Dreaming of the BIG one :-)
Reply With Quote
  #6  
Old 24 Dec 2009
Tenere Tom's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Aug 2007
Location: Leeds UK
Posts: 449
BDZ - I only insured one bike at a time!

If you had more on your policy then that's not such a bad deal.
__________________
Tom
I'm a country member...
Reply With Quote
  #7  
Old 24 Dec 2009
Registered Users
HUBB regular
  
Join Date: Nov 2007
Location: Lancashire
Posts: 72
BDZ,I don't know why your insurance is so expensive?I'm 48,L'pool postcode,6 yrs no claims,XT600 & FZ750,both rebuilt valued @ £5,000 fully comp,with Bennetts £150.I could have got insured for both bikes TPFT less than £100,with the previous insurers but they come across as idiots & I'd rather pay more for peace of mind..
Reply With Quote
  #8  
Old 24 Dec 2009
Tenere Tom's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Aug 2007
Location: Leeds UK
Posts: 449
My lad (16yo) has been getting quotes for his scooter and they were about £400 he then added Datatag and his quote went up to £450!!!

I don't know if you were just ticking the wrong box somewhere???
__________________
Tom
I'm a country member...
Reply With Quote
  #9  
Old 25 Dec 2009
BlackDogZulu's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Oct 2008
Location: West Wales, UK
Posts: 753
Quote:
Originally Posted by MARK.F View Post
BDZ,I don't know why your insurance is so expensive?I'm 48,L'pool postcode,6 yrs no claims,XT600 & FZ750,both rebuilt valued @ £5,000 fully comp,with Bennetts £150.I could have got insured for both bikes TPFT less than £100,with the previous insurers but they come across as idiots & I'd rather pay more for peace of mind..
Mystery to me too! We're in the same age bracket (supposedly safe, until we start to get doddery around 70 and it starts to go up again), I'm in the lowest postcode bracket (SA62), 3 years NCD, bikes valued at £4k and £1k (guess which!), fully comp. XT has Datatag, Honda has HISS.

I don't really know why I have fully comp - probably habit, instilled by my Dad when I first insured a car. I've never claimed on bike insurance, and only once for a car (serious smack, not my fault), as when you take the excess into account it's hardly worth claiming for the usual minor knocks and scrapes. I probably would be better off with TPFT, but old habits die hard.
__________________
2006 XT660R daily ride, 1994 XT600E about to be reborn, Blog: http://goingfastgettingnowhere.blogspot.com/
Reply With Quote
  #10  
Old 25 Dec 2009
Registered Users
HUBB regular
  
Join Date: Dec 2007
Posts: 36
Hello,

Ive been with Ebike for at the last 4 years without any problems and have had up to 4 bikes covered on the one policy. The only company I found that was willing to cover more than a couple of bikes. I haven't had to claim on the policy so can't comment on that side of things but all seems to be in order. I would advise against lying about the bikes or yourself on the on-line form remember they could refuse to pay out or reduce the settlement figure accordingly. I'm sure they also automatically covered me for Morroco possibly had to request a Green card??

Best regards Sam
Reply With Quote
  #11  
Old 26 Dec 2009
Contributing Member
Veteran HUBBer
  
Join Date: Dec 2008
Location: Emsworth, UK
Posts: 109
Hi BDZ,

As mentioned before, I have the same bikes as you. I was with Bennetts until November when the renewal quote was £249.00, up from £190 the year before. This is for fully comp, b.t.w. Shopped around and ended up with Devitt at £129 for both bikes. It is the same with a lot of other insurances. There are all sorts of discounts for new business but the good old loyal customer gets shafted. I often wonder if it is the time of day, which day, if there are clouds in the sky etc. which really dictate the premiums.

As has been suggested by others, common experience appears to go with shopping around, but always answer the questions truthfully.
Reply With Quote
  #12  
Old 26 Dec 2009
BlackDogZulu's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Oct 2008
Location: West Wales, UK
Posts: 753
I would never lie on an insurance form. Not worth it.
__________________
2006 XT660R daily ride, 1994 XT600E about to be reborn, Blog: http://goingfastgettingnowhere.blogspot.com/
Reply With Quote
  #13  
Old 26 Dec 2009
Moderator, Contributing Member
Veteran HUBBer
  
Join Date: Sep 2005
Location: Lancashire England
Posts: 313
Quote:
Originally Posted by BlackDogZulu View Post
Time for renewal, and I have gone for eBike this time - £175 for the two bikes, compared with Bennett's £307. That seems a cracking deal - almost too good to be true. Anyone else used these, and are there any drawbacks? Will I live to regret it?
Hi Richard,

read the policy very carefully. Unless they've changed their wording recently you'll find that there is no cover in force whilst green laning! Yes you did read that correctly. I discovered this when checking my own policy, so I transferred the cover onto a road bike and put my Serow over to Equity Red Star via Be Wiser.
Reply With Quote
  #14  
Old 26 Dec 2009
BlackDogZulu's Avatar
Registered Users
Veteran HUBBer
  
Join Date: Oct 2008
Location: West Wales, UK
Posts: 753
Thanks for that - I hadn't checked the wording, but I will do now. It's not a problem at the moment, as work shifts mean that the bike is a commuter only, but it may matter later on in the year.

Thanks for the heads-up.
__________________
2006 XT660R daily ride, 1994 XT600E about to be reborn, Blog: http://goingfastgettingnowhere.blogspot.com/
Reply With Quote
  #15  
Old 26 Dec 2009
mustaphapint's Avatar
Gold Member
Veteran HUBBer
  
Join Date: Oct 2005
Location: Brittany, France
Posts: 401
I moved to ebike about 4 years ago. I have 4 bikes insured on a single policy for my wife, a friend and myself to ride for less than half what I was paying for 1 bike each. I had to claim last year for an own fault accident and they authorised the repairs with no questions and no delay. I've just had my renewal without losing any no claims. Advantages are 365 days a year out of the country (so long as your main address is in the UK) and you can register 2 addresses where the bike(s) is/are normally kept. With my experience of them I would whole heartedly recomend them.
__________________
If you think you are too small to make a difference you have never spent the night with a mosquito.
Reply With Quote
Reply
Page 1 of 2 1 2

« Previous Thread | Next Thread »

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

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
Medical insurance vs. Travel Insurance nickthedesigner Staying Healthy on the Road 17 11 Oct 2013 11:41
Green card insurance in Europe with comprehensive UK insurance Lagan Trip Paperwork 15 1 Oct 2009 21:25
Travel Insurance / Medical Insurance – Overview Bjorn Staying Healthy on the Road 0 2 Aug 2009 07:54
Medical Insurance and Vehicle Insurance WillCalderwood Trip Paperwork 1 1 Dec 2008 11:46
Insurance!?! butchdiamond Trip Paperwork 5 9 Jun 2008 00:17

 
 

Announcements

Thinking about traveling? Not sure about the whole thing? Watch the HU Achievable Dream Video Trailers and then get ALL the information you need to get inspired and learn how to travel anywhere in the world!

Have YOU ever wondered who has ridden around the world? We did too - and now here's the list of Circumnavigators!
Check it out now, and add your information if we didn't find you.

Next HU Eventscalendar

HU Event and other updates on the HUBB Forum "Traveller's Advisories" thread.
ALL Dates subject to change.

2024:

Add yourself to the Updates List for each event!

Questions about an event? Ask here

HUBBUK: info

See all event details

 
World's most listened to Adventure Motorbike Show!
Check the RAW segments; Grant, your HU host is on every month!
Episodes below to listen to while you, err, pretend to do something or other...

2020 Edition of Chris Scott's Adventure Motorcycling Handbook.

2020 Edition of Chris Scott's Adventure Motorcycling Handbook.

"Ultimate global guide for red-blooded bikers planning overseas exploration. Covers choice & preparation of best bike, shipping overseas, baggage design, riding techniques, travel health, visas, documentation, safety and useful addresses." Recommended. (Grant)



Ripcord Rescue Travel Insurance.

Ripcord Rescue Travel Insurance™ combines into a single integrated program the best evacuation and rescue with the premier travel insurance coverages designed for adventurers.

Led by special operations veterans, Stanford Medicine affiliated physicians, paramedics and other travel experts, Ripcord is perfect for adventure seekers, climbers, skiers, sports enthusiasts, hunters, international travelers, humanitarian efforts, expeditions and more.

Ripcord travel protection is now available for ALL nationalities, and travel is covered on motorcycles of all sizes!


 

What others say about HU...

"This site is the BIBLE for international bike travelers." Greg, Australia

"Thank you! The web site, The travels, The insight, The inspiration, Everything, just thanks." Colin, UK

"My friend and I are planning a trip from Singapore to England... We found (the HU) site invaluable as an aid to planning and have based a lot of our purchases (bikes, riding gear, etc.) on what we have learned from this site." Phil, Australia

"I for one always had an adventurous spirit, but you and Susan lit the fire for my trip and I'll be forever grateful for what you two do to inspire others to just do it." Brent, USA

"Your website is a mecca of valuable information and the (video) series is informative, entertaining, and inspiring!" Jennifer, Canada

"Your worldwide organisation and events are the Go To places to for all serious touring and aspiring touring bikers." Trevor, South Africa

"This is the answer to all my questions." Haydn, Australia

"Keep going the excellent work you are doing for Horizons Unlimited - I love it!" Thomas, Germany

Lots more comments here!



Five books by Graham Field!

Diaries of a compulsive traveller
by Graham Field
Book, eBook, Audiobook

"A compelling, honest, inspiring and entertaining writing style with a built-in feel-good factor" Get them NOW from the authors' website and Amazon.com, Amazon.ca, Amazon.co.uk.



Back Road Map Books and Backroad GPS Maps for all of Canada - a must have!

Your ad could be here, on EVERY page of the HUBB, or the whole website, or as many as you like!

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 R80G/S.

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 all over the world with the help of volunteers; 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, or ask questions on the HUBB. 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.



All times are GMT +1. The time now is 13:14.

Contact Us - Horizons Unlimited Motorcycle Travellers Website - Archive - Privacy Statement - Top