insurance...again

hi,

some time back i asked about insurance. some bloody good advice i got too. unfortunately, all my old threads are now gone and i didn't write down the suggested companies. can anyone suggest a good insurance broker for a guy with no garage...or experience...or ncb?

i've just rung around 5 insurers from out of the back of "bike" magazine...carol nash, bennetts etc. the results were grim. i have no garage, but can park the bike off the road through my gate and behind a small wall, chained to a steel post....but everyone has said "if it's in london and it ain't in a garage, then that's all we care about". so the cheapest that a newbie guy like me can get fully comp on a new ('04) m620ie is £1400. looks like my dream of owning a duke proving impossible to fulfill.

cheers all,
rich

[NattyBoy]

Right, now ive picked myself of the floor ..

Your upagainst it with all that criteria. Have you considered getting an older 600 worth about 2k and insuring it third party to start off with ??

I could p**s you off, and tell you that to insure my 888 and monster, fully comp, with £250 xs is £262 a year, but I wont..!!! .

Anyway, like you I phoned all the usual suspects, and low & behold, the last call I made (it was a tiny advert) was to Laxtons. Ive been with them now for 3 years. There service is superb (made a claim for my written off 916 and they coughed up quick style), and they are by far the cheapest ive found. There also a family run outfit which might explain the service.

Give steve a bell on 0870 444 6365 and good luck. Also, why dont you PM Bluefoot, as he lives in London area (I think he leaves his bike outside as well)...he might be able to give you a few pointers..

Cheers
Nat

cheers nat...thanks for the tip. i had already called them and they can't compete against the best quote i have had at £1400 aparently.

i did have my heart set on a new one, as i want to be able to ride in the winter without worrying about any card icing, and i want a general level of reliability through the colder months.

1400 quid. balls.

cheers...again,
rich

[CK & AK]

Do you have a relative outside the smoke, where you can register the bike c/o that address? You will have to do the log book with DVLA.
Mate of ours does exactly that - and has her bike c/o her mums addy - in Devon. Saved herself £1K the first year!!
Dont say I recco'd it

Could also try the ducati insurance people - will dig out their number later 4 u.

Also H & R in Aberdeen are very good for New & young riders



C

[Pedro]

Try www.insuremyducati.co.uk

saved me many pennies!!

Pedro

[NattyBoy]

No worries Rich..might be telling you something you already know here but I think you can have carb heaters retro fitted ??

If £1400 is the best you can get..I would just insure it TPFT. Youll probably find the excess is £300 at least, and if (god forbid) you did have a spill, monsters seem to crash well & cheaply (if there is such a thing !?) Assuming TPFT was about, say £500, youve got a £1200 buffer for any damage, and you wouldnt lose your NCB..just a thought mate.

If youve got your heart set on it so it. You wont regret and you can start mixing with us reprobates then !!!!

Nat

I bought a new 620sie in oct. Being 22 and a new biker (i did direct access so no history on two wheels) I was in the same boat. I ended up paying £1200 with ducati ins is which high but its a good policy with all the extras. When I consider the quotes of 3/4k that I got on most 600's it dididn't seem so bad. Choice here is whether you want a new one enough to pay for it. I can honesty say though that having a virgin bike is as good as a having a virgin Italian. You shouldn't but its just soo much fun.

H&R, MCE, unusual bennets no good for you, but definately try H&R and of course the ducati one... you can also buy a metal garage from eurosecure that will save you loads, insurance approved contact 01226 246 999, it is quite expensive but they're very good and virtually bullet proof to theives.. good luck

thanks to everyone for all help. much appreciated.

i was surprised at bennetts too. a mate of mine (we did our DAS together) just got his cover note from them...he's in the same boat....ie: spent 5000 on a brand new hornet 600...parked off the road...no experience...new license....got fully comp for 800 quid, whereas bennetts will only do me TPFT for that price, 1400 all up. And the hornet is NU12 and the monster 620ie is listed as NU10. odd.

i may just look at TPFT after all. i wouldn't claim on anything under a grand i don;t think, as i just want a years riding behind me to get a NCB going. is just having TPFT really stupid?

A Plan ins brokers
Farnham 01252 725725

I had an off in Dec. Not my fault and damage was only minor cosemtics (scracthes etc) However the bill for putting it all right (back to perfect at a proper dealer) came to £2800. Plus a grand on my kit. Ive learnt that even the smallest spill (in my case between 15-20mph) is expensive where ducati is concerned. If your buying new you'd be mad to only get TPFT (IMO)

Everyone told me that in the first few weeks/months of riding id have some sort of tarmac experience. Now I have Im glad I got a solid fully comp policy ; to coin a phrase its not you but every other tw*t on the road! If you want a new one you'll want it 100% again should the worst happen. £1000 doesn't go to far when it comes to new parts (the voice of recent experience!!!!)

[gary tompkins]

I'm with H&R Ins and my fully comp policy cost me £358 on my 900ie last year. Bikes garaged and a 52 plate, and was for a 39 year old with 8 yrs NCB and a clean licence. This beat my previous best quote (including Carole Nash) by around £90. Hopefully I won't have a shock when my renewal drops through the door in March

Originally posted by Pedro
Try www.insuremyducati.co.uk

saved me many pennies!!

Pedro

and they dont mind you having cans

don't mind the cans? sold.

tthey quoted me 1k for the fully comp...thats 400 squid less than the next guy. sweet.

thanks all. you guys saved my wallet.

nice.