Insurance?

On the 2019 Street Scrambler, new policy, no NCB was £105 in year 1, £132 in year 2 and £124 in year 3, fully comp, mid-50s, Gloucestershire.

Now added as additional bike on multibike policy for about £80

 

That’s not bad @Gyp I hope the excess isn’t twice the value of the bike...

 

I paid £245 for dual bike policy in my Thruxton R and Tiger Sport. Both new in 2019 so not to serious a price to pay.

 

£300 excess with an agreed value of £8000 with the full list of modifications included and covered.

£400 excess on my Harley with an agreed value of £18000, again with a full list of modifications agreed and covered.

Total price for both £306.20

Only pain is that I need to use an approved disk lock or similar

 

We shouldn’t tell - if tin can drivers learned of our insurance premiums then EVERYONE would be doing it.

Then we would lose the exclusivity as the exemplars of humanity.

We don’t want riff raff riding bikes!

 

I paid £111 to add the Street Scrambler to the ZZR insurance on a FC multi-bike policy which I'd just renewed 3 weeks earlier. I intended to add the Husaberg to the policy last December when it's renewal was due but the quote was daft so I insured it on it's own for £72.

 

iv been with the one insurance company for over 20years so I get a big discount a discount for having more policies with them . so it is a bit dearer in australia I pay for an agreed value,$1364 a year for a 2009 Bonneville

 

You don’t get that kind of loyalty bonus here in the UK. B@stards normally up the price at every renewal

 

As my insurance in the UK is cost in the equivalent of A$144, I'm not sure I want that kind of loyalty bonus!!!

 

Here's a good one for you. I may not quite be an older guy as such but my wee street twin is near 300 for the year and my bonkers fast superduke is half that! I dont understand it either

 

its expensive here two bikes two cars the house and contents ,is a few thousand a year here .and will go up again with the floods happening

 

I have a multi-bike policy that is just up for renewal. This year it will cost me £230 to cover my 2020 T120 and 2016 GSF1250s. It does cover commuting and pillion but the only other extra included is legal cover. I don't usually go in for lid cover, kit cover, breakdown etc.....

 

Underwriting is assessing risk through statistics. You are looking purely at which bike you consider to be the most lairy and assuming that should attract the higher premium. I doesn't work like that.

Perhaps those with Street Twins crash more often or they are more of a target for thieves. It could also be the case that, in a similar crash the Street Twin will sustain more damage and be more expensive to repair. In all these (hypothetical) cases the risk for insuring a Street Twin would be higher than the risk of covering the KTM and therefore attract a higher premium - regardless of which might be the 'bonkers' bike.

 

I found I could get a better price insuring both my bikes separately last year.

 

Same here, and by a considerable margin!

 

I’ve just paid my 19 plate street scrambler insurance at £126. This price includes motor legal protection + no claims discount protection and doesn’t include pillion cover (which I don’t need). Last year was £116 and the renewal quote was £146 so as usual each year I went on a comparison site which came up with £126 for my existing insurer and with lower compulsory excess of £200 whereas last year has had a £250 excess (both plus £100 voluntary excess). I gave the meerkat quote reference number to my current insurer and the lower excess amount and they matched it. Only thing to be aware of is that ‘modifications’ will make the price go up a little for what really are accessories...I had already listed with them that I have a centre stand, pannier, engine protection bars... plus heated grips, which are actually listed as a modification...so these are included in my £126. I’ve 7 years bike no claims discount and am aged late 60 s with no accident/ convictions ... hope of use

 

I do wonder about pillion cover, because car insurers never ask if I'm going to carry a passenger in the car.

Similarly I never get asked if I'm going to put anything in the boot or use the roofrack

 

Mid-50s, Hampshire, Speed Twin and SuperDukeGT, and I'm clearly paying far too much!

After a 4/5 year break from bikes, I got stung with no NCB too in 2019, but even with all the alarms, locks and trackers, etc, I don't like to say how much my premium is. I started out with Triumph Insurance, thought I'd then got a cheaper quote from Bikesure when I added the KTM but the paperwork came from Triumph and it seems they are both actually AFlux.

I'll certainly try the bikeinsurer website, thanks for that littleade. Anybody able to say which companies you use?