Motorcycle Insurance help needed

I've just ridden the new Honda Deauville. Very nice and just what I
need to get to work and go away for weekend jaunts. I ring my insurer,
NIG, who refuse to insure it. I ring Honda, who refuse to insure it.
The problem seems to be I don't have a garage and the bike is worth too
much.

Consider this

I am 43 years old
I have a clean licence held for 22 years and six years no claims bonus
The bikes are kept in a garden behind a locked gate. Next door there is
a year old Hyabusa on the driveway. Round the corner there's a Harley
on the driveway.
The bike will have the Honda HISS ignition system
The bike will have an alarm. Admittedly only a Solalarm, but an alarm
none the less.
The bike will have Smartwater

We're not exactly going to buy a house with a garage, we can't afford
it. The only reason we can afford the current house is that we bought
it eleven years ago.

Can anyone adivse anywhere I can go to get insurance? Or am I destined
to ride cheap bikes I don't really want to ride?

I don't particularly want to wait a year and buy a used Deauville. I
want one now. I consider it my right to be allowed to buy a motorcycle
and have it insured by an insurer.

My insurance come up for renewal in 23 days anyway. I'm seriously
concerned NIG are going to refuse cover on two year old CBF600 worth
£3200.

Can anyone advise?
(Please don't start flaming or insulting me, like the tosser who called
me a wanker when I posted last week. This could be you next week).

Neill

 

You should be proud - not everyone gets called a wanker with their
first post. Keep trying, & if you're /really/ lucky, you might even get
a "****" before the day's out.

--
Krusty.

http://www.muddystuff.co.uk
http://www.muddystuff.us
Off-road classifieds

'02 MV Senna '03 Tiger (FOYRNB) '96 Tiger '79 Fantic 250

 

I've just ridden the new Honda Deauville. Very nice and just what I
need to get to work and go away for weekend jaunts. I ring my insurer,
NIG, who refuse to insure it. I ring Honda, who refuse to insure it.
The problem seems to be I don't have a garage and the bike is worth too
much.

-----------
Build a shed
-----------

Consider this

I am 43 years old
I have a clean licence held for 22 years and six years no claims bonus
The bikes are kept in a garden behind a locked gate. Next door there is
a year old Hyabusa on the driveway. Round the corner there's a Harley
on the driveway.
The bike will have the Honda HISS ignition system
The bike will have an alarm. Admittedly only a Solalarm, but an alarm
none the less.
The bike will have Smartwater

----------------
They can still put it in a van
----------------

We're not exactly going to buy a house with a garage, we can't afford
it. The only reason we can afford the current house is that we bought
it eleven years ago.

Can anyone adivse anywhere I can go to get insurance? Or am I destined
to ride cheap bikes I don't really want to ride?

 

I've just ridden the new Honda Deauville. Very nice and just what I
need to get to work and go away for weekend jaunts. I ring my insurer,
NIG, who refuse to insure it. I ring Honda, who refuse to insure it.
The problem seems to be I don't have a garage and the bike is worth too
much.

snip

My insurance come up for renewal in 23 days anyway. I'm seriously
concerned NIG are going to refuse cover on two year old CBF600 worth
£3200.


I have a GSX600F (up for sale if any one interested!) on a T plate so not
worth all that much, but emailed http://www.aquote.co.uk/ and got a very
reasonable quote , don't have a garage but bike stored off road. Spoke to
them on the phone 0800 0923935 and they seemed to be on the ball.
If I replace the bike I may give them a try, (after the broker who covers
the cars)

Des





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Ooh you lucky, lucky bastard. Favouritism.

Si

 

But you are if you claim that a stationary object is at fault for your
running into it. The answer to dazzle from low sun is a helmet with a peak,
no matter how nerdy it looks.

Have you got room for a metal shed for £240 from Argos?
You didn't say whether you have access to the back yard as it may be against
the rules to put it at the front, but it should satisfy the insurance company.

 

Just goto 2 another insurer & tell them u've a garage most policies don't
cover u for theft within 500 yards of u'r home address anyway & the chances
of them checking if you have a garage are near impossible or even better
insure it through a friends address with a garage.

Meercat

 

I would read your policy again. They won't cover you for theft if the
vehicle is parked on your property but not IN the garage.

If it's stolen from in the garage they will pay. They won't pay if you
leave it on the driveway.

And I can see lying to them about having a garage has just a tiny flaw
- likely to become apparent when you report a theft and the Ins. Co
inspector comes round.

Suggesting people lie to insurance companies is not the brightest of
ideas.

 

"They stole the garage too - the fuckers".


--
Krusty.

http://www.muddystuff.co.uk
http://www.muddystuff.us
Off-road classifieds

'02 MV Senna '03 Tiger (FOYRNB) '96 Tiger '79 Fantic 250

 

The chances of that working ar about as high as you posting in a
decent manner and using English rather than poorly-executed txtspk.

You surely are one ignorant meercat.

 

What a load of bollocks.

You don't get covered within 500 yards if it's left out in the open and you
have claimed it was garaged.

If you claim for a loss and they find you don't have a garage, not only do
you not get your money, but you leave yourself open to prosecution and being
unable to get insurance in future.

 

I saw some meercats at the Cotswold Wildlife Park yesterday. None of
them struck me as being particularly intelligent. They were however
well up the scale compared to the baby gibbon, who seemed to think his
mum enjoyed having her head jumped on. Funny as **** to watch, mind.

--
Krusty.

http://www.muddystuff.co.uk
http://www.muddystuff.us
Off-road classifieds

'02 MV Senna '03 Tiger (FOYRNB) '96 Tiger '79 Fantic 250

 

R

 

Ar?

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Neillw001

You poor fucker.

Rent a garage in your area? Not ideal, but it might get you insured.

Deal with it. Or don't. Your call.

--
Wicked Uncle Nigel - To stay young requires unceasing cultivation of
the ability to unlearn old falsehoods.

WS* GHPOTHUF#24 APOSTLE#14 DLC#1 COFF#20 BOTAFOT#150 HYPO#0(KoTL) IbW#41
SBS#39 OMF#6 Enfield 500 Curry House Racer "The Basmati Rice Burner",
Honda GL1000K2 (On its hols) Kawasaki ZN1300 Voyager "Oh, Oh, It's so big"
Suzuki TS250 "The Africa Single" Yamaha GTS1000

 

My broker told me (at the time of getting my insurance) that most
underwriters will only insure my ungaraged bike (Ninja Six B1) in my area if
its worth £3400 or less. So I just told them that in my opinion my bike was
only worth that much. They also said that if I made a claim, the value I get
is not based on what I calim the bike to be worth but what the insurer
values it at. Whther that is actually true or not, I'm not sure.

You do run the risk of being being underinsured but for me it was the only
way I could get insured. Luckily my bike is only worth that now anyway

HTH

 

You utter fuckwit x2.
--
Dave
GS850x2 XS650 SE6a
I demand nothing of you except that you amuse me.

Folding@Home Team UKRM
http://vspx27.stanford.edu/cgi-bin/main.py?qtype=teampage&teamnum=47957

 

Thanks for the replies. No, I'm not sticking a peak on a Shoei
Syncrotec 2. There's nowhere to fix it to and if you use sellotape and
die in an accident your life insurers could refuse to pay out. That
actually happened a few years ago.
Thanks for the info on the insurers. I've also had people shouting
Carol Nash at me all morning, so I gave in and rang them. I'm now
insured for roughly the same price it would have cost me when the
insurance was up for renewal next month. The bike is kept on "private
land", in other words a secure garden, or as secure as most garages,
with the advantage if someone does try and nick it, they could well be
seen by people in nearby houses. If you can get in a garage you can
close the door behind you and work on the lock/alarm unseen. Pity
insurers don't realise that.

Neill

 

Can you explain how you've locked your garden?

And made it so your motorcycle isn't visible?

I know I'm thick, but how can you claim a garden is more secure than a
garage?!

 

That only applies between 22:00 and 06:00 on mine.
--

Cheers!
Fr Jack
B12S (The Red Mist), CB450DX (The Moped)
FRJACKUKRM AT GMAIL DOT COM
Red death, to set you free