Insurance insane

[cirian75]

I moved to Manchester in late 2014 and toyed with the idea of a 125 rev n rip (scooter) for commuting.

Looked at the insurance on a brand new Honda PCX125, just below £300, raged a little about the excess which was around £500.

3 years later finally decided to do it, was toying between the Yam Nmax and Honda PCX 125s

went to do the quotes.

Nothing has changed regarding me aside from being a little older.

42 years old, my car renewal in Sept was £270, down from £400 the last year.



Average price starts around £900 with £1150 excess, WTF?

triple the cost and more than x2 the excess compared to 3 years ago FFS!

Any ideas ?

[Volant]

Have you seen anything in the news in the last year about bike thefts and scooter crime?

There’s your answer...

HUGE increase over the last couple of years. Looks like finally the police are just starting to try new tactics and do something about it. I hope. All my fingers crossed.

[cirian75]

That sucks

[Jezza30]

I feel your pain. I live in London (SW6) and in the last 3 years its more than tripled... on a 125 scooter!! (2 years NCB, over £600 third party)

I tried absolutely everything including BeMoto who ended up making a complete cockup of my premiums and then just shrugged when their error was uncovered (didn't stop them taking their 'admin' fees though)

in the end I went to Aviva - who were the cheapest by some margin and seemed to have the most comprehensive package. Less than £400 TPFT and 15,000miles.

Have you got a full license? If you have look for a bigger scooter... I just bought an SH300 (#bikingcredibilitygone) the premiums were markedly lower despite being one of the scooters of choice for the local scum

[cirian75]

I tried my fathers detail at my address, it went down about £75.

He's has a full bike licence since 1973 and is 62 years old with recent experience (owns the new T100 Bonneville) and full no claims applied.

went down to about £800 and the excess was around £900.

Its the area, not the rider, strange as car insurance is cheap.

[cirian75]

Jezza30 said:

I feel your pain. I live in London (SW6) and in the last 3 years its more than tripled... on a 125 scooter!! (2 years NCB, over £600 third party)

I tried absolutely everything including BeMoto who ended up making a complete cockup of my premiums and then just shrugged when their error was uncovered (didn't stop them taking their 'admin' fees though)

in the end I went to Aviva - who were the cheapest by some margin and seemed to have the most comprehensive package. Less than £400 TPFT and 15,000miles.

Have you got a full license? If you have look for a bigger scooter... I just bought an SH300 (#bikingcredibilitygone) the premiums were markedly lower despite being one of the scooters of choice for the local scum

Have not passed my test and can't pass the manual gear box test as left wrist is too fubar for repeated clutch work.