UK Insurance

[BlackDogZulu]

Time for renewal, and I have gone for eBike this time - £175 for the two bikes, compared with Bennett's £307. That seems a cracking deal - almost too good to be true. Anyone else used these, and are there any drawbacks? Will I live to regret it?

[Tenere Tom]

Originally Posted by BlackDogZulu

Time for renewal, and I have gone for eBike this time - £175 for the two bikes, compared with Bennett's £307. That seems a cracking deal - almost too good to be true. Anyone else used these, and are there any drawbacks? Will I live to regret it?

Not that good a deal - mine was just over £100 (eBike) for the year!!!
That's without any no claims bonus either - you can't be lying enough on your form!!!

[Pigford]

Back in the day (apart from the old Norwich Union Rider Policy), we used to get the minimum cover insurance, "Road Traffic Act", which was dirt cheap, but ONLY covered the bare min legal requirements.....

[BlackDogZulu]

Originally Posted by Tenere Tom

Not that good a deal - mine was just over £100 (eBike) for the year!!!
That's without any no claims bonus either - you can't be lying enough on your form!!!

I'm amazed - how did you do that? I live in the cheapest possible postcode, and I am 50+ with a clean licence and 3 years NCD. The only downside for the insurers is that the bike lives in the open on my property and not locked away. Other than that, I should be the best risk going. I thought under 200 quid for two bikes for a year was pretty good.

With your address (Leeds - used to live there) and the bikes in your sig and no NCD, I thought you would be a far worse risk than me.

[britch]

I've had the Tenere on e-bike for the last two years, this year (it runs out next week) they have gone down from £148 to £132, but Swinton are offering £69.09 plus £25 for legal cover, so will be shopping arround

Thats for only 1 bike, best I found for two was Bennetts at £224 but the K1200s with BMW insurance is only £130 and thats got 4 months still to run.

[Tenere Tom]

BDZ - I only insured one bike at a time!

If you had more on your policy then that's not such a bad deal.

[MARK.F]

BDZ,I don't know why your insurance is so expensive?I'm 48,L'pool postcode,6 yrs no claims,XT600 & FZ750,both rebuilt valued @ £5,000 fully comp,with Bennetts £150.I could have got insured for both bikes TPFT less than £100,with the previous insurers but they come across as idiots & I'd rather pay more for peace of mind..

[The Cameraman]

Originally Posted by BlackDogZulu

Time for renewal, and I have gone for eBike this time - £175 for the two bikes, compared with Bennett's £307. That seems a cracking deal - almost too good to be true. Anyone else used these, and are there any drawbacks? Will I live to regret it?

Hi Richard,

read the policy very carefully. Unless they've changed their wording recently you'll find that there is no cover in force whilst green laning! Yes you did read that correctly. I discovered this when checking my own policy, so I transferred the cover onto a road bike and put my Serow over to Equity Red Star via Be Wiser.

[BlackDogZulu]

Thanks for that - I hadn't checked the wording, but I will do now. It's not a problem at the moment, as work shifts mean that the bike is a commuter only, but it may matter later on in the year.

Thanks for the heads-up.

[BlackDogZulu]

Originally Posted by The Cameraman

read the policy very carefully. Unless they've changed their wording recently you'll find that there is no cover in force whilst green laning! Yes you did read that correctly.

I have checked the policy. Use on footpaths and bridleways is not covered, which I would expect, as this isn't exactly legal anyway. Cover on Byways is limited to legal minimum. I take this to mean that if I ride on a green lane I am legally covered, but if I bin it I stand the cost of repairs. I think that's what I would have expected. After all, there is a much higher risk of damage on a green lane compared to the road, especially if I am the rider I guess this is what you get with a 'standard policy'.

Good to check, though. Thanks.

[mustaphapint]

I moved to ebike about 4 years ago. I have 4 bikes insured on a single policy for my wife, a friend and myself to ride for less than half what I was paying for 1 bike each. I had to claim last year for an own fault accident and they authorised the repairs with no questions and no delay. I've just had my renewal without losing any no claims. Advantages are 365 days a year out of the country (so long as your main address is in the UK) and you can register 2 addresses where the bike(s) is/are normally kept. With my experience of them I would whole heartedly recomend them.

[Warthog]

I had been with Carole Nash for ages in the UK, then in my last year before moving I went with "Aquote". They were even cheaper

Although I checked out eBike, they never proved competitive for me....

[steve T]

Originally Posted by BlackDogZulu

Time for renewal, and I have gone for eBike this time - £175 for the two bikes, compared with Bennett's £307. That seems a cracking deal - almost too good to be true. Anyone else used these, and are there any drawbacks? Will I live to regret it?

My insurance costme $110 for my 05 dl650 full comp.with full ncd from ebike + free classic insurance for my 350cc trail bike [bargain] i think

[BlackDogZulu]

Originally Posted by steve T

My insurance costme $110 for my 05 dl650 full comp.with full ncd from ebike + free classic insurance for my 350cc trail bike [bargain] i think

Yes, I noticed the 'free classic insurance' thing, but the XT isn't old enough to qualify - it's any insurance policy plus free classic policy for another bike over 20 years old. And it must be kept in a locked garage, which isn't possible for me. Well, not until I find another home for the mower, old computers, fridge and freezer, packing boxes, toolboxes, battery chargers, old magazines, old business documents, garden tools, garden furniture, kids' toys and a set of bunk beds. Not any time soon, then.

But it's a great deal if you qualify.