Insurance. Omg!

Discussion in 'Triumph General Discussion' started by Stu9000, Dec 22, 2024 at 9:17 PM.

  1. Stu9000

    Stu9000 Active Member

    Nov 4, 2021
    109
    43
    Kingston-upon-thames
    Im 54 years old and have been riding around on my Tbird 900 for a few years.
    I just looked at what it would cost to insure me on a Sprint ST1050.
    Is it really £600 a year to insure a mature experienced rider with a clean licence?
    Im paying £200 for the Tbird.
     
  2. Eldon

    Eldon Elite Member

    Nov 14, 2018
    6,312
    800
    North Yorkshire
    Not if you look around.
    I pay less than £400 for a 765rs, 900 st and an MT 500 Armstrong on a multibike policy.
     
    • Like Like x 1
  3. Jimbo1950

    Jimbo1950 Well-Known Member

    Oct 6, 2022
    80
    78
    Scotland
    Have you tried Bikesure? Bikesure – Specialist Motorbike Insurance Since 1990

    I'm 74, only been riding since 2018 and currently have 6 bikes on a multi bike policy. This year's premium was £442 including £86 worth of extras, e.g. leathers cover. That was remarkably £33 LESS than the previous year! They also gave me free legal expenses cover. I've found Bikesure very easy to deal with, no overseas call centre, they answer the 'phone very quickly, and remarkably good value.
     
    • Like Like x 1
  4. ajc400

    ajc400 Senior Member

    Jun 4, 2024
    381
    113
    Glasgow
    From my recent experience of making a claim, that legal cover is important, specialist solicitors are only interested if you are claiming injury.

    Also, try to find out if the company uses a claims agent.... that's a nightmare too!!
     
    • Agree Agree x 1
  5. Jimbo1950

    Jimbo1950 Well-Known Member

    Oct 6, 2022
    80
    78
    Scotland
    Insurance companies in-house claims departments can be a nightmare too. My car was hit by a van back in April 2023, and despite it clearly being the fault of the van driver the claim has still not been settled. My insurers' claims dept have dragged their feet, don't answer emails, and don't act on or pass on witness statements, so much so that I've twice complained to their customer relations dept and been awarded £600 in compensation, even though the claim has yet to be settled. At long last my insurers have instructed a legal firm to threaten court action against the van driver's insurers, hopefully that will do the trick and they'll settle out of court.

    IMHO, the insurance industry is a minefield for consumers, tread with care!
     
    • Like Like x 1
  6. Iceman

    Iceman Crème de la Crème

    Apr 19, 2020
    2,393
    1,000
    Lancashire
    I pay £135 fully comp with my 2 sons also on the policy fully comp, and I am well over 70. My current machine is a 765rs.
     
  7. nickjaxe

    nickjaxe Active Member

    Sep 2, 2020
    65
    28
    Cheshire UK
    Thats a crazy price.....how are you shopping for insurance????
     
  8. Stu9000

    Stu9000 Active Member

    Nov 4, 2021
    109
    43
    Kingston-upon-thames
    Moneysupermarket.
    I did have a break from riding, but have been back on two wheels for two year +.
    I've got it down a but going tpft but I'm still shocked.
     
  9. Stu9000

    Stu9000 Active Member

    Nov 4, 2021
    109
    43
    Kingston-upon-thames
    Thanks for thr tips. Will follow up.
     
  10. nickjaxe

    nickjaxe Active Member

    Sep 2, 2020
    65
    28
    Cheshire UK
    I see thats where your going wrong.

    OK......you need to try compare the market.com and Go Compare.

    I have used those comparison sites for years age 72 less than £100 for a T100 Bonnie.

    Been riding only 7 years.
     
    • Like Like x 1
  11. Baza

    Baza Elite Member

    Jul 25, 2020
    3,426
    750
    Amazing Grace
    Don’t forget cashback. Go on all the comparison sites and you will probably find the same broker coming up with the same price time and again. Then go on the TopCashback website and you will more than likely find the same offer again, but this time you’ll get £26 cashback.
     
  12. Kinjane

    Kinjane Active Member

    Oct 15, 2017
    242
    43
    Bristol, Land of Enger
    £94 fully comp for the bike policy, plus £45 broker fee!!!!!!!
     
  13. ajc400

    ajc400 Senior Member

    Jun 4, 2024
    381
    113
    Glasgow
    Confused dot com comparison site is quite good too, but compare what is included - passenger, legal cover, kit etc.
     
  14. nickjaxe

    nickjaxe Active Member

    Sep 2, 2020
    65
    28
    Cheshire UK
    I go for basic fully comp cover.....I arrange recovery separately.

    Never in all my years need to ring my insurance company or be recovered.
     
  15. ajc400

    ajc400 Senior Member

    Jun 4, 2024
    381
    113
    Glasgow
    I needed recovery once, but used my AA membership. I didn't take legal cover in my current Bennetts fully comp policy, and it would have been better/easier to have it when I had an accident in September!

    Specialist solicitors advertise to use them not your insurances solicitor, but didn't want to know because I was not claiming personal injury.
     
  16. Samsgrandad

    Samsgrandad Senior Member

    Dec 15, 2019
    605
    243
    Somerset
    stu9000 - your premium is likely to be higher than the examples quoted by others as you live in Kingston -upon - Thames, a highly rated area.
    The premium is also affected by so many other factors it is very difficult to compare like with like from other people.
     
    • Like Like x 2
  17. Stu9000

    Stu9000 Active Member

    Nov 4, 2021
    109
    43
    Kingston-upon-thames
    I should day, currently paying about £200 for fully comp for my tbird 900. I was searching, looking at maybe getting a sprint st1050. I still need to follow up on the excellent suggestions here. Thanks.
     
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