Modification friendly insurance

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Scootypuff snr
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Re: Modification friendly insurance

Post by Scootypuff snr » Tue Aug 07, 2018 1:20 pm

MCE are shite. cheap price high excess. Did X-ADV with them last year value of extras £1100 excess £1100.

Thing is (and I'm probably in the minority) but extras are my choice so not fussed if the worst happens just want the bike/ others covered.

I'd not declare but insurance companies are such weasels I'd hate to get caught out at the roadside in a police check.

I'm so tired of them now I just do the minimal amount to be covered in the eyes of the law & ensure a third parties cover.

@halfabusa sadly the comparison site drop down boxes are generic so hence my excess costs.
I'm going there,but I like it here,wherever it is

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halfabusa
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Re: Modification friendly insurance

Post by halfabusa » Tue Aug 07, 2018 3:47 pm

Luckydave wrote:
Tue Aug 07, 2018 12:41 pm
I always ring Peter James.Another reason I use them is there is only a £15 admin fee to add another bike,Ideal if you like to add bikes through the year
I'll try ringing them to see what they quote me, thanks.


Scootypuff snr wrote:
Tue Aug 07, 2018 1:20 pm
MCE are shite. cheap price high excess. Did X-ADV with them last year value of extras £1100 excess £1100.

Thing is (and I'm probably in the minority) but extras are my choice so not fussed if the worst happens just want the bike/ others covered.

I'd not declare but insurance companies are such weasels I'd hate to get caught out at the roadside in a police check.

I'm so tired of them now I just do the minimal amount to be covered in the eyes of the law & ensure a third parties cover.

@halfabusa sadly the comparison site drop down boxes are generic so hence my excess costs.
Yeah they are the worst of the bunch, but that's why their premiums are so competitive. They are a bit like the high risk bets in casino. You lose the least in premiums but you risk a lot if you have to claim. No win for the punter, just like i a real casino :)

My current provider is MCN too. Paid £196 back in february for my fjr with 825 excess. Didn't care much about it as it's not worth a lot anyway. I declared £3k for the value and 18k annual mileage.

Running the same quote, I'm getting £203 quoted on MCE again, so not much of a change since february in there...

Tried same details for an 2016 nc750x and the quote jumped to £340 :evil: and that's without any mods declared...

You'd have thought a 2016 bike with 750cc and abs would be safer than a 2001 beast 1300cc without ABS
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Luckydave
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Re: Modification friendly insurance

Post by Luckydave » Wed Aug 08, 2018 2:25 am

I would add that Peter James initially provide classic bike cover,I’ve been with them a while now but always had classics and modern to insure

Scootypuff snr
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Re: Modification friendly insurance

Post by Scootypuff snr » Wed Aug 08, 2018 6:32 am

You'd have thought a 2016 bike with 750cc and abs would be safer than a 2001 beast 1300cc without ABS
[/quote]

As you say it's a gamble but I suppose for the insurance company a 2001 fjr will be a cash pay out guaranteed where as new bike has to many variables for part price increase labour charges etc
I'm going there,but I like it here,wherever it is

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Re: Modification friendly insurance

Post by Liam » Wed Aug 08, 2018 8:04 am

Luckydave wrote:
Tue Aug 07, 2018 12:41 pm
I always ring Peter James.Another reason I use them is there is only a £15 admin fee to add another bike,Ideal if you like to add bikes through the year
I just added my Dilemma 125 to my existing 2 Tmax policy and there was no charge.
There is only 3 months to go to renewal though.

And it took me 3 tries of 15 minute + on hold, to get through.

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Re: Modification friendly insurance

Post by halfabusa » Fri Aug 10, 2018 8:37 am

A bit of an update on this... I hunted for a variety of quotes using different combinations and managed to get to a reasonable level in the end. The biggest difference in quotes seem to have been caused of me selecting legal protection cover which I believe is a crucial addon. However, the cheapest ones don't even offer that.

I found a workaround to this which also will benefit the premiums on two other cars we have in the house. There's a standalone provider for legal cover and they cover multiple vehicles for multiple people. They provide annual cover up to 100k for two people for only £20 which is a bargain when you consider you pay for it per insurance policy anyway. So for 2 cars + bike, i'd pay at least £70-£80 legal cover when bought separately, but with this I only would pay £20 for all.

That way I won't be restricted from policies that don't offer the cover and can widen my options.

The place is called www.driverguardian.co.uk

They have great reviews and even appeared on some articles before. They are FCA regulated so looks like a safe place to insure for legal protection.
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Re: Modification friendly insurance

Post by MrGrumpy » Fri Aug 10, 2018 10:18 am

halfabusa wrote:
Fri Aug 10, 2018 8:37 am
A bit of an update on this... I hunted for a variety of quotes using different combinations and managed to get to a reasonable level in the end. The biggest difference in quotes seem to have been caused of me selecting legal protection cover which I believe is a crucial addon. However, the cheapest ones don't even offer that.
Can we go off on a tangent on this? Any insurance experts out there? I've always believed that this so called legal protection is utterly pointless. In my experience, if you have an accident that wasn't your fault, if you have legal protection, the insurance company gets their tame solicitors to ring you offering to run a legal claim for compensation against the other party for you (if they think you are going to win). On the other hand, If you DON'Tt have legal cover, the insurance company gets their tame solicitors to ring you and invites you to use them to make a claim against the other party. In both cases, the firm of solicitors is picked by the insurance company as they were the ones who promised the biggest fees for referrals. In either case, you are entirely free to pick your own no-win-no-fee solicitors to mount the case yourself. How much solicitor's time do you expect to get for £20??

If I'm entirely wrong in this, perhaps someone can explain in words of one syllable why I'm wrong and why I should have it????

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Re: Modification friendly insurance

Post by andyscooter » Sun Aug 12, 2018 4:19 am

there is a company called free legal

we signed up to them last year and wife used them

they sorted the hire car the repairs and the compo claim for the wifes few days off work due to no car and sorting the collection of her car

this was all free

even though it was another car hit the back of her she didn't even phone the insurance or have to speak to anyone
i was an atheist until i realised i am god
Remember its a speed limit not a target

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