Being a biker has loaded my life insurance ... Boo
Discussion
Life Assurance actuaries have got access to t'internet & YouTube videos you know 
:...maybe they've been scared to death of some of the stuff people post 
If it's a common practice to load bikers' life policies it must be a relatively recent development as they never even used to specifically ask the question when I was a financial adviser over a 30 year spell.
:...maybe they've been scared to death of some of the stuff people post If it's a common practice to load bikers' life policies it must be a relatively recent development as they never even used to specifically ask the question when I was a financial adviser over a 30 year spell.
Oh yes ...my employer has reminded me in the past im the most expensive member of staff for life insurance ...
if you hold a competition licence for motorsport and/or take part in track days will increase it some more
and other "dangerous" qualifications/hobbies e.g I used to get a loading for being a mountain expedition leader etc
if you do 20K business miles a year you are effectively in similar life risk group to offshore workers....thats how statistically dangerous driving a lot is these days (just a car, let alone bike)
if you hold a competition licence for motorsport and/or take part in track days will increase it some more
and other "dangerous" qualifications/hobbies e.g I used to get a loading for being a mountain expedition leader etc
if you do 20K business miles a year you are effectively in similar life risk group to offshore workers....thats how statistically dangerous driving a lot is these days (just a car, let alone bike)
nightflight said:
I had to pay extra on a car insurance policy I had years ago because I was an airline pilot. When I questioned it, I was told "we know the hours you work and you're driving when you're tired".
Hi Nightflight, do you think your name might have given the insurance company a clue? 
h >>hunton69 said:
Total disregard for the law. Never knew speeding and under taking was legal.
Maybe if car drivers were more observant and had better lane discipline, undertaking wouldn't happen... as to speeding, I do tens of thousands of miles a year around the country and the ONLY vehicles I see that aren't speeding are those with speed limiters fitted by law, so don't just point the finger at bikers.nightflight said:
I had to pay extra on a car insurance policy I had years ago because I was an airline pilot. When I questioned it, I was told "we know the hours you work and you're driving when you're tired". Fair shout I suppose.
That sounds like a bit of an assumption. I think they were probably just winging it.Cavendish Online without question. You pay a fixed set up fee (30-odd quid from memory) and they then plough their commissions back into reducing your premium. Cheap and easy and you'll get a policy underwritten by a household name (L&G, Aviva and the like).
http://www.cavendishonline.co.uk/
http://www.cavendishonline.co.uk/
Raize said:
nightflight said:
I had to pay extra on a car insurance policy I had years ago because I was an airline pilot. When I questioned it, I was told "we know the hours you work and you're driving when you're tired". Fair shout I suppose.
That sounds like a bit of an assumption. I think they were probably just winging it.
And it is unfair to say all bikers are speeding law breakers, when a vast proportion of new motorcycles sold don't go fast enough to be worth prosecuting for speeding, and the ones who are speeding are doing it on purpose, and generally only where safe.
It is the idiots who sit at 50 mph through a village who should be shot.
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