Bennetts: insurance quote shock!

[Wedg1e]

Just got my renewal from DirectChoice who were easily the cheapest last year... now they want £240 for another year.

By chance Bennetts (who obviously still have my details from last years request ) mailed me so I thought I'd give them another chance. Off to the website, rattled off the details and... £112!

That's f/comp., 5000 miles on my '03 ST1300 worth say £5K, SD&P excluding commuting, garaged, three security devices, IAM test passed, aged 43.
OK so £350 compulsory excess and £150 voluntary, but if I have a daft 'off' where the damage is repairable I'd just stand the loss anyway to save the insurance going up... and if I bend it badly enough to need more than £500 spending, chances are it (and I) will be not worth repairing.


ETA: just jacked up the value to £6500 and it made no difference...

... dropping my voluntary exces to £50 only puts it up to £117...

... to add commuting puts it up another £7...

... business use would be £131...

...however to add Protected NCD takes it to £1056!

Hmmm, not sure if I can afford the £8.95 a month instalments though

Edited by Wedg1e on Tuesday 18th September 23:51

[Chilli]

Quality. How many years NCD do you have?

[RemaL]

I was going to ask the same. but thats a hell of a good price

[tim2100]

Bennetts actually seem to be pretty competitive these days. My fathers was half price with them this year with me added. And when i changed my bike they came out far cheaper than anybody else so may even go with them when my policy expires.

[TPS]

Yaeh i had a good qoute off them but the excess like yours was £550 when i added it all up.Decided no thankyou and adrian flux did me a better deal where i paid £38 more on the policy and got a excess of £200 plus went ncb protected which i was not if i went with bennets.

Edit to add...here is there phone no
http://www.adrianflux.co.uk/callback.php

Edited by TPS on Wednesday 19th September 13:03

[Phone_Monkey]

Adrian Flux were as useful as a jonny machine in the vatican when I had a crash in the car... maybe their bike dept is a bit better.

[dern]

I think when you get to a certain age with a clean record bike insurance seems a lot more sensible than car insurance. My blade costs me less than 200 a year incl commuting and unlimited miles and an aftermarket can whereas my scoob costs about 500 on a limited mileage with an after market exhaust.

[Momentofmadness]

dern said:

I think when you get to a certain age with a clean record bike insurance seems a lot more sensible than car insurance. My blade costs me less than 200 a year incl commuting and unlimited miles and an aftermarket can whereas my scoob costs about 500 on a limited mileage with an after market exhaust.

Yep Cage insurance (Fiesta diesel) £170, CBR600 £74!

Edit : I'm with Bennetts

Edited by Momentofmadness on Wednesday 19th September 17:22

[Dibble]

My insurance: Yamaha Diversion 600 (in "Graceful Maroon"...).

New rider, no "no claims".

Devitts TPFT: £120.00
Devitts Fully Comp: £100.00

WTF?

[Just Trouble]

Hmm Bennetts what can I say.... just hope you never have to make a claim. Cheap maybe, customer service I only speak from a bad experience.
JT

[Wedg1e]

Chilli said:

Quality. How many years NCD do you have?

Just found this again... only the one year NCD, I had ten years off bikes I must have been mad!

[Wedg1e]

Just Trouble said:

Hmm Bennetts what can I say.... just hope you never have to make a claim. Cheap maybe, customer service I only speak from a bad experience.
JT

Hmm, yeah, but you hear the same about almost every insurer from somebody or other. I've had insurance with loads of companies over the years but not had to claim so I can't criticise any of them... though others have.

[Wedg1e]

dern said:

I think when you get to a certain age with a clean record bike insurance seems a lot more sensible than car insurance. My blade costs me less than 200 a year incl commuting and unlimited miles and an aftermarket can whereas my scoob costs about 500 on a limited mileage with an after market exhaust.

Oh I dunno: my TVR costs me £150 (5000 miles, protected NCD, fully comp) - classic policy as it's 20 years old (as of 7th September!).

[dern]

Wedg1e said:

dern said:

I think when you get to a certain age with a clean record bike insurance seems a lot more sensible than car insurance. My blade costs me less than 200 a year incl commuting and unlimited miles and an aftermarket can whereas my scoob costs about 500 on a limited mileage with an after market exhaust.

Oh I dunno: my TVR costs me £150 (5000 miles, protected NCD, fully comp) - classic policy as it's 20 years old (as of 7th September!).

Yebbut they're fully aware it isn't going anywhere most of the time

[mccabe1983]

I ve just started shopping around for quotes in prep for next year when I get my first bike and it seems to be between Bennetts and Carole Nash at the minute for a 2002 R6. I am 24 with no ncd on a bike and got the following quotes:

Bennetts - 750 fully comp 400 excess
Carole Nash - 620 300 excess

Pretty chuffed with that.

Just need a bike now and sell my car!

[Wedg1e]

OK, latest version... 10000 miles, fully-comp, £350 compulsory and £50 voluntary excess, valued at £6500, business use... £131!

[DennisTheMenace]

a couple of years back i insured my thunderace (1000cc) for £63 TPFT , the bloody fazer was more expensive at renewal time at £78 TPFT

[Wedg1e]

DennisTheMenace said:

a couple of years back i insured my thunderace (1000cc) for £63 TPFT , the bloody fazer was more expensive at renewal time at £78 TPFT

Yeah, but you're REALLY old

Hang on while I try TPFT for the ST...

ETA... errrr... £14 MORE than comprehensive! How the hell does that work then?!

Edited by Wedg1e on Wednesday 26th September 01:10

[DennisTheMenace]

Im not 32

Ian you must be a similar age to stonehenge for you to get TPFT more expensive than fully comp

edited to add , nice ST !!

Edited by DennisTheMenace on Wednesday 26th September 01:19

[Busa_Rush]

Bennetts may be cheap but they are a complete bunch of f*ckwits, just wait until you want to change anything on the policy - that'll be another £25 per change Sir. If you have to claim you end up speaking to another group of people who appear to have the job of making you pi*s off and not claim.

If you're doubly unfortunate you''ll have your policy with Zenith or GHL - same people really and they are even worse, try getting a payout.

I will happily pay 50% more to get Norwich Union or some other even half respectable insurance cover - never use Bennetts again, ever.