Anyone here change bikes often?

[rumpelstiltskin]

What in the hell do you do when it comes to Insurance?I wouldn't believe if everyone in here tells me they wait till their years insurance is up,then sell or buy!I'm getting caught up with this constantly,selling bike say half way through insurance term,either new company won't insure new bike or they demand i take out a new years insurance whenever i buy a bike,im sick of it,my no claims that 'should' have built up is non existent!Do insurance companies find it impossible just to tranfer the policy from one bike to another mid-term?

Edited by rumpelstiltskin on Wednesday 27th September 17:57

[slim_boy_fat]

Easy, change bike when you insurance runs out. That way you get the NCB.

[eliminator]

I always keep a bike at least a year

TS100 - 4 years
GT750 - 4 years
ZL1000 - 19 years (and counting)
KTM - 13 months
R1150GS - 3 years (and counting)

So, not had the problm. Each "change" of bike did result in a new insurance for full year, as you say.

[rumpelstiltskin]

Yeah i know,but surely everyone doesn't change their bike,or gets the urge for a bike change right at the end of an insurance year?Or maybe it's just me?

[chilli]

I decided to upgrade mine after 6 months or so, from a 1999 GSXR600, to a Yamaha R6 (2006). Three times the value, and the premium went up by about £100, but they were happy just to amend the policy.

[clarkey]

I've had 6 bikes in 2 years. I use www.ebikeinsurance.co.uk as you can add and remove bikes as often as you like, and can pay monthly too, which earns no claims in 8 months rather than 12 (but is a bit more expensive, but handy as a newish rider).
List since I passed my test on 1st September 2004:
2003 SV650S
2003 Multistrada 1000DS
2005 R1200GS
2004 999R
2003 Pan European
2006 R1200GSA

Still got the 999R and GSA, and pay about £110 a month with ebikeinsurance. It's a lot I know, but I think the 999R makes up about £100 of that.

[adetuono]

I'm with H&R in Aberdeen. I went through a stage of changing bikes every six-eight weeks for a while. I had up to six at a time, and never had a problem with insurance. It didn't make a difference to the NCB (although I had the full whack anyway) whether I changed or not.

Just phone them and tell them what you're doing. It's not like it's hard work; they only have to print the details off and get them in the post to you. And ultimately, they're brokers. That's their job, and what they're paid to do (by you).

[srdtvr]

I had to pay 40 odd quid with bikesure just to change from one bike to another - premium remained the same. This was to cover admin apparently.
Can't rememeber having to do this with others - looking to change next renewal !

[rumpelstiltskin]

Just incase anybody wants to avoid the crap i go through every time i change a bike the company i'm soon to be parting with is Carole Nash.I can change very simply mid insurance year with a car,whats so different about a bike?A guy has put an ad in the paper offering a swap for my bike for a bike i want,do i tell him to hang on for 6 months until my insurance finishes?Eh no,life's not like that,i've been driving for three years and have 1 years no claims?(somehow),i hate insurances companies,probably with about the same intensity people hate paedophiles,except insurance companies will shaft people of any age!Oh and another thing,i had a 2001 ZX12R insured with them,which unbeknown to insurance companies(apParently)is a missile on two wheels,decided to change to a 99 R1,they wouldn't insure it!!!!AHAHAHAHAHA,AHAHAHA!

Edited by rumpelstiltskin on Thursday 28th September 11:04

[twit]

Funny... I've never had any probs with Carol Nash!

Got about 6 bikes with them at present and I chop and change them all the time and it never costs a thing! In fact I've just done a change for my Aprilia and they gave me cash! Never been asked to start a new cover period.

[parakitamol]

I never had any problems and had a Carole Nash policy that ran for years! I just changed bikes whenever (every year usually) and phoned them up to tell them, ended up with 15+ years bonus (which I'm going to lose soon)

Not sure I understand the problem is?

[rumpelstiltskin]

The problem is i've been losing my no claims building up just because i have been changing bikes and the insurance company just decides right,thats a new years insurance starting then when i buy another bike,instead of just saying oh,you have a new bike,im afraid that your premium is going up £30 sir,we'll changes the bikes over for you sir,not a problem!Seems simple enough to me,as i said,i've done it a few times with cars in the middle of a years insurance,they just swap to the new car!No claims not affected!

[adetuono]

It seems pretty obvious you're with the wrong broker. Sounds like time for a change.

[parakitamol]

It all sounds a bit wrong to me, I've never heard of anyone stopping policies mid term and starting new ones just because of a change of vehicle, if this is through a broker then the broker is either mis understanding your needs when you call to change or he's finding you the wrong policies in the first place.

If this is the case, go direct to one of the big companies who are likely to cover the bikes you ride.