My 2005 R1 costs £76 TPFT.

Just thought I'd say.

Old fart.

They don't, but it's such a niche market that it won't impact on S2 at all. The whole markt is c£300m a year, whcih is peanuts in the bigger scheme of things.

The insurer you're referring to withdrew from the bike market last year.

It's on my home insurance, so not really

That is a very telling picture.

Did that horrible looking woman try to turn right into that driveway in front of you? She looks almost proud, as if she thinks you deserve it. Probably thinks you were a hooligan on a motorcycle going too fast (even if you weren't) and therefore it's not her fault... How close am I?

And I would hazard a guess that when you tell an insurer how many seats you have in your car you are answering the same question. 'How many passengers/pillions will you we taking?'
If you tell your insurer that you have 4 seats in your car then stick 5 people in it then I think you would be in trouble. Same as the pillion thing, just a different way of asking.

I know most places don't ask you as an outright question, but if you look at your car policy then it will state an amount of seats.

I don't bother taking out any legal cover option, small accidents aren't worth claiming for and if your bike has a big accident and is written off you can recover the excess by negotiating the offer from the insurance.
(this does depend if you have the money to fix any scratched panels / broken levers, etc, from minor drops, etc)

Also I wouldn't bother using any solicitor appointed by any insurer in the event of an accident. In my big accident I moved from the insurance appointed solicitor to an independant lot (who were absolutely excellent) and I got 20 x the amount I was offered by *my* ins co solicitor who either just didn't give a damn or didn't have the slightest clue.


Oh, and Loon, if the ins industry could see they were going to lose £2Bpa when that lot started to grow, why didn't they buy the small upstarts up and incorporate them into the companies product portfolio?

It's what all other successful companies do when somone comes up with an idea to directly market a desirable product associated with your own which eats into your profits.

What prevents ins co's from offering Credit Hire, decent solicitors? And they put enough business the way of repairers to be able to tell them to lower their prices or else.

Fortunately people can check out for themselves whatever they wish, and don't have to take notice of your irrelevant opinion regarding my post.

Your qualifications have little bearing on an opinion or advice based on real experiences.

Like I said, the OP is why I contributed, not to get into some useless pissing contest.

facts though, include that I did know what I bought, and I paid approx £320 for tpft insurance from MCE on a replacement bike. The comp quote was circa £800. 6 days after purchase I was hit. I had legal cover then, (before I learned that it does not always mean a seperate cover exists) I called MCE to get the details of the legal cover as I felt I could avoid a claim directly through my own insurer.

They were confirming my details over the phone, and said they could see my comp policy on the system. I was alarmed as my card in that case was about to get whacked for an unauthorised value, so I made more enquiries. At that time, they explained I did buy and pay for tpft, but as my business was repeat, and they were trying to offer the policy at a competetive price, the system would not let them discount a tpft policy by enough, yet oddly it would let them give more off a comp one. So I had comp cover. They obviously were happy to conceal that information at the time. I was assured my card was debited correctly. An insurance certificate does not state tpft or comp.

So, Just for you Loon, you have an explanation of fact. nothing incorrect.

Perhaps you are a contributor biased towards protecting the integrity of insurers. I am not and couldn't give a hoot. They often rip us off. They use any excuse to hike up our premiums, and to exclude more and more, charging for add ons wherever possible. Also the exclusions lists are getting longer.

Unrelated to this thread really, but insurance companies make promises of loan cars during repairs as if they provide them, but don't tell anybody that you only get them if you take your vehicle to their cost saving approved repairer. As soon as anyone demands their vehicle is repaired by an official agent, the replacement vehicle disappears, because it wasn't actually being provided by the insurer at all, it was the repairer supplying it. Something else to consider before accepting a quote appearing to be for what it isn't

Insurance companies tell you you have to use their approved repairers, but you don't

Insurance companies demand you must get two estimates or more, but you don't

Insurance companies tell you that repairs are guaranteed for so many years as if they provide the guarantees, but they don't, the repairer does.

Carry on saying peoples posts are wrong then, but you are not qualified to challenge those based on anyones actual experiences. Were you involved in my own experiences? Probably not, so you are not qualified to say I am wrong when I am discussing factual experiences of mine, with others here, so carry on being a superior twit all day. People may make their own enquiries, and share them if they choose.

I'm sure you would make excuses all day long for the provision of some sort of 'cover' for which no documentation gets issued, by your company perhaps? All I am talking about is the supposed legal assistance or cover, that doesn't always exist, that insurers charge for. Some may do some don't. You probably know this very well. Who would knowingly buy a policy with no paperwork? The subject is not just about excess recovery.

Protected no claims discount is being restricted also, as it allows fewer claims before still hitting your no claims, if you have had a claim in the last year for instance, you then go to a different insurance company because say, you don't like your renewal premium, you have to disclose it, or 'them' if more, the new insurance company will knock your no claims. You are saying that another company will still afford people the same no claims discount when it was protected for a fee with a different insurer? I think you need to be on the end of a phone more as a customer.

We all know what no claims confirmation is, but again, different insurance companies allow differing numbers of years. If you leave a company that gave you 7, to a company that only allows up to 4, then go back to a company that allows 6, you will have a letter that says you are allowed 4, it's all a farce, and you have to ask so many questions to see what youre getting.

Wait, i'm going to be told i'm completely wrong again

I'm glad it is you claiming to be knowledgeable, fantastic. Super. I am making no such claim, but posting a constructive reply on the back of experience. Your qualifications are as irrelevant in this thread as your house building skills.

There is no mention of conspiracy theory anywhere, yet I am free to be a cynic, it is my right and everyone elses.

Unfortunately you work for the insurance industry, I wonder which one? The requirement for legal assistance from 'somewhere' becomes more apparent with such public responses from a Manager? within the insurance industry stating 'you' are not insured. Just look around before paying an insurance company 30 quid or whatever, when you may have it already with a bank account or union cover or some other facility, if not just cheaper. Also read the full schedule before you buy it from anyone, in case you are dealing with this persons firm lol.

A consideration 'if' you are in an accident, and you are in any doubt or suspect another is to blame, please seriously consider 'not' actually 'claiming' from your insurer directly. Notify them 'only' at first, and go straight to a specialist solicitor, after an initial discussion, they may agree to take care of all disbursements, they will write to your insurer, instructing them that they will be taking on the claim on your behalf, you are less likely or will not lose any no claims which can affect you for years in some injury or damage claims, as you haven't claimed through your insurer, and you are less likely or will not have the hideous interim premium hikes they will apply to you. And ultimately, the person who'll be telling you all i'm wrong again, warning you of my terrible advice haha, could be er managing?... all the paperwork for the claim against a company such as theirs.

Quote: It may be sold as as a bolted on (or embedded) product, but never as part of the actual policy.
Is not an 'embedded' benefit actually part of the actual policy? Bolt on doesn't suprise me though, strip it all out, call it the same, then sell it back as a bolt on...ha

Quote: I'm 100% positive on bikes and 99.99% sure on cars too. The FSA would have a major issue with this type of policy. Admiral certainly have never doen this. They do sell 10 month policies for 10 month's premium wit accelerated NCD, but few other insurers arehappy to accpet the proff of NCD for obvious reasons
But Diamond did, and they are part of Admiral.

Customers are sitting ducks sometimes for poor sales techniques, and misinformation. More could be done about it. Call centre sales environments are always inconsistent, you can call back an insurer three times and get three prices, all down to the individuals attitude or training maybe.

Still, the OP wanted help with first time bike insurance, sure he can check out some of the reply content, and hopefully secure a deal with the right company.

Just remember this quote from a Loon: Your Fully Comp policy does not cover YOU at all, it covers your bike repairs only. If you kill / injure yourself then your policy will repair / write off the bike, but it won't pay out any money to you for the injury / death, other than if there is a bolted on (or embedded) policy which is often free.xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
xxxxxxxxxxxxxxxxxxx?

I'm leaving the thread to the factually superior haha, I have statements to complete for a claim against ******** insurance

Enjoy your bike, and ride safe, take time to get used to it ;-)

Oh.....I think pillion cover is opt in not out, see gocompare, and the check box required if you DO, if it's unchanged

Good luck.

Does anybody think that if they fall off their bike and it's insured Fully Comp that it will do anything other than fix their bike?

I really hope not.

OP, just out of interest (if you are still reading this) how much did you think it would cost to insure a sports bike?

House insurance you say? reckon they'd cover a lockup garage that's four houses down the road from us? same postcode etc that we rent off a neighbour. I'm asking because Mrs Hooli is unlikely to have bikes on the road next year due to a knee op.