Getting The Right Insurance

Hello Everyone, Newbie here

I've bought a 2007 bonnie 865 (carb) and i'm really struggling to get insurance for it, not because i'm young or have points, but because none of the insurance companies believe that my bike exists.

When getting insurance quotes the default options are:

Bonneville (non SE) upto & including 2007 - 790cc
Bonneville (non SE) 2008 onwards - 865cc
Bonneville (T100) 2001 - 2017 - 865cc

My bike is neither a T100, 790cc nor a 2008 onwards model (presumably with fuel injection)

no insurance company will believe that a 2007 exists with the 865 engine that isn't a T100 and even a 'specialist' insurer (carole nash) won't help me to select the correct model.

DVLA has the correct details ...

Where does everyone else get their insurance from ... am i the only person who has a 2007 865cc ???

 

Hello,

Thanks for the quick reply.

I ruled it out being a T100 because (based on my google images searching) the T100 has 'T100' on the side panels plus a 2-tone paint intead of solid colour ... maybe i am wrong?!

It does have spoked wheels, but brushed engine cases

I bought it off an old guy ... 2300 miles from new (12 years ago) i very much doubt he has done any mods to it!

Here's a picture of my beauty

and a list of the options i get on pretty much any insurance companies list of options around 2007

Plus what DVLA is saying she is

 

maybe i should get some T100 stickers on the side panels and plead ignorance

 

Yep 19" front wheel

Just checked through the manual to see if there are any clues in there as to the difference between a standard and a t100 and found the rev counter page:



Bit mine certainly does not have a rev counter

 

True, but most of them say it's an America, except for Hastings who said it must be a 2008 with a 2007 registration :s

 

Good idea.

Just checked on the website and all it says is

Bonneville
2007

 

Seems unlikely, even according to that page they were 790cc upto and including 2006 and 865cc for 2007.

It's certainly not an early 2008 model because it has carbs, evident by the choke.

Everything seems to point to mine being a bog standard 2007 spec Bonneville 865 but whoever makes the database of vehicles used by insurers never added it in.

There's no point having a bike that nobody will insure

 

I'll try and call some other companies tomorrow, it seems they are all working off the 'but the computer says it can't be' principle.

I can see this becoming a faff every year at renewal date

 

I called the local Triumph dealership and they say its not a T100, the lack of rev counter is the biggest giveaway, as others have said the engine casing and paint scheme can vary from the normal chrome / 2 tone, but if it doesnt have a rev counter it's definately not a T100

 

Well maybe nobody knows

I managed to convince Carole Nash that it's a 2007 with an 865 instead of a 790 so got my insurance from them.

Now to get her used, hoping I can double the mileage this year.

Really need some new tyres ... 13 year old tyres surely aren't safe