Insurance qoutes....Most expensive bellypan ever !!!!!!!

bikerpiker · Post by **bikerpiker** » Mon Jun 02, 2008 9:26 am

Went online for insurance qoute, Bennets website,came up with Â£77.24 Fully comp.

Qoute through bikeinsurer website,u get free legal protection policy

Thats without legal protection,44 year old, passed test at 17 ,4 years no claims

I couldn't declare modifications online ,so i phoned to inform them.
Bellypan
different handlebars
rear hugger
goodridge hoses
different indicators,

The only thing they had to know about was the bellypan,qoute jumped to Â£176

..........Â£100 difference for a fekn bellypan !
Not Happy

Gonna phone around.

solorider · Post by **solorider** » Mon Jun 02, 2008 10:04 am

im with ebike insurance http://www.ebikeinsurance.co.uk had no problems with mods

bikerpiker · Post by **bikerpiker** » Mon Jun 02, 2008 10:37 am

solorider wrote:im with ebike insurance http://www.ebikeinsurance.co.uk had no problems with mods

Did try them ,but for some reason qoute came up over Â£1000

Belly pan wasn't on the mod list,it said i had to phone them,tried to, but recorded message said they dont do qoutes over phone,and to phone their sister company........
too much hassle
Will keep trying

Beamish · Post by **Beamish** » Mon Jun 02, 2008 11:24 am

Just renewed with Performance direct. Bennetts sent a renewal quote of Â£420

I just laughed and went online. Got it down to Â£198 with mods and legal protection but Â£600 excess

rang Bennetts to tell them to poke it and they came up with a Â£170 quote. Cos I was pissed at them told them they should have sent the lowest quote on the renewal form and to work the new quote up their ass

Really steams my clams when they try and dupe you

bikerpiker · Post by **bikerpiker** » Mon Jun 02, 2008 11:57 am

bikerpiker wrote:Went online for insurance qoute, Bennets website,came up with Â£77.24 Fully comp. Qoute through bikeinsurer website,u get free legal protection policy
Thats without legal protection,44 year old, passed test at 17 ,4 years no claims
I couldn't declare modifications online ,so i phoned to inform them.
Bellypan
different handlebars
rear hugger
goodridge hoses
different indicators,

The only thing they had to know about was the bellypan,qoute jumped to Â£176 ..........Â£100 difference for a fekn bellypan !
Not Happy Gonna phone around.

What would you do

Take bellypan off

Tell them its coming off,but kinda forget to do it

adfski · Post by **adfski** » Mon Jun 02, 2008 12:55 pm

Yeah just remove it before you make a claim!

I haven't told them anything - I mean I'm not an expert. How am I supposed to know the belly pan and microns are not standard - I bought it from the dealer like that.

If I bought a car with an aftermarket exhaust or spoiler would I be expected to know this?

Balls

bikerpiker · Post by **bikerpiker** » Mon Jun 02, 2008 1:19 pm

ermmm...im tempted

Have been ridin without declaring anything

Wanted to do it right this time cos
Thing is, sometimes its out of our hands,ie, last year was out with some mates, one of our party had head-on collision with another bike, both bikes written off,both bikers injured (not too seriously ).
Yer allways hoping it never happens,but in a situation like that,obviously no time to take bellypan off

What would be the consequences,insurance void

Reduced payout

bikerpiker · Post by **bikerpiker** » Mon Jun 02, 2008 2:19 pm

Timbo wrote:I am with DialDirect. Did it through Confused.com and came out cheapest. Insured the wife's car through them as well.

http://www.dialdirect.co.uk/

Just tried them timbo,
Got price online without mods for Â£77.70 fully comp ,thought "ya beauty",so phoned them to declare the mods.
Was put on hold,got back to me quickly.............

they wont entertain them

This time it was the handlebars and the goodridge hoses

Cheers anyway.....feel like puttin bike back to standard to save aw this pissin aboot

But i know i wont

Stratman · Post by **Stratman** » Mon Jun 02, 2008 6:53 pm

Bennetts sponsor BSB on Eurosport.

They have to get the money from somewhere!

I'm with e-bike with both bikes on one policy and none of the mods have caused an increase - if you need to explain something, you can do it by e-mail.

Post by **sirch345** » Mon Jun 02, 2008 7:23 pm

I'm with E-Bike too

The best on-line site I've come across yet.

It's a personal thing I would say, but for me I like to do my best to inform them about my modifications just in-case the worst should happen

The last thing you want in a bad situation is too hear your insurance is void, only my opinion

Chris.

bikerpiker · Post by **bikerpiker** » Wed Jun 04, 2008 8:31 am

sirch345 wrote:I'm with E-Bike too The best on-line site I've come across yet.

It's a personal thing I would say, but for me I like to do my best to inform them about my modifications just in-case the worst should happen The last thing you want in a bad situation is too hear your insurance is void, only my opinion

Chris.

Will try e-bike again chris

Its the 1st time iv'e declared any mods,my daytona was standard

Unreal the variation in prices im gettin,also no consistency with the underwriters,
Some wont entertain the brake hoses, with others its the belly-pan,another was the bar conversion,another said all the mods were fine and didn't need to be listed

Anyway,got a week or so to decide

Post by **sirch345** » Wed Jun 04, 2008 8:57 am

Stevie,

Good luck with getting a reasonable deal with one of them

The only downside IMO with ebike is excess is fairly high, for:-

(A) If you make a claim under Fire or Theft.

or

(B) If you make a claim on your own ins policy, as the accident being your fault.

I imagine the reason (A) is fairly high is because false claims have been made in the past, more so probably for cars than bikes, where owners have set fire to their own cars themselves, then filed for a claim, allegedly

When you get to the end of the quote check the full details regarding Excess, you may find it's changed now

Chris.

bikerpiker · Post by **bikerpiker** » Wed Jun 04, 2008 3:42 pm

Just tried them mike,cheers,
but they said they dont deal direct with the public,it's got to be through a broker ,and the fact that no broker has gave me a price from them means ,for me,they arn't the cheapest

I thought the Â£77 f.comp from bennets was fantastic,just the fact they want Â£176 with bellypan

Can get covered for Â£143 Direct Choice (NIG),with Â£320 comp excess,,,.......or stay with Devitt Â£138,with a Â£500 excess.
Both good prices i think ,but that Â£77 price keeps comin to mind

Just unreal why no consistency regardin mods

bikerpiker · Post by **bikerpiker** » Wed Jun 04, 2008 3:45 pm

sirch345 wrote:Stevie,

Good luck with getting a reasonable deal with one of them

The only downside IMO with ebike is excess is fairly high, for:-

(A) If you make a claim under Fire or Theft.

or

(B) If you make a claim on your own ins policy, as the accident being your fault.

I imagine the reason (A) is fairly high is because false claims have been made in the past, more so probably for cars than bikes, where owners have set fire to their own cars themselves, then filed for a claim, allegedly

When you get to the end of the quote check the full details regarding Excess, you may find it's changed now

Chris.

Cheers Chris,
will try them again soon,
i know when my mate had collision with other bike,bandit 12 written off,he got paid out in no time at all

bikerpiker · Post by **bikerpiker** » Sat Jun 21, 2008 7:15 pm

All sorted, through "aqoute".....Norwich union policy, Â£101 fully comp,the mods didn't matter as not performance related.
Thats age 44, ..4 years no claims, Â£250 comp excess, Â£0 voluntary.
Im happy

Worth a try for anyone whos renewal is due

VTR1000.ORG

Insurance qoutes....Most expensive bellypan ever !!!!!!!

Insurance qoutes....Most expensive bellypan ever !!!!!!!

Re: Insurance qoutes....Most expensive bellypan ever !!!!!!!