It's that time of year ... in the last 12 months I've added quite a few mods to the bike so I want to ensure it is all covered. Anyone recommend an insurer for modified bikes?
Bennetts charged me £20 more because of the r&g protection Maybe worth asking someone like lambchops as there's not a more moded bike on here I don't think?
I don't get how they can charge extra for r&g when it's job is to protect the expensive parts of your bike! Expensive parts that THEY would have to pay for should you have an off! I'm trying to think of something eloquent to say at this point but I'm afraid that Feckin Tossers is all I can manage
MCE don't charge for mods. They just require notification. That said, if a claim is made they'll only replace with oe part.
Should have heard me on the phone when they told me that!!! I actually called because I though if I talked to someone instead of online they would also see sense but not on there list so an extra
BeMoto in Peterborough. Insurance broker run by bikers. All mods included without charge, just need to let them know. No online comparison, speak to real people that know their stuff and no using non uk based insurers like some of these companies use
I'm just in the process of getting quotes for my bike and so far MCE have been the cheapest and by some margin too. i'm currently with them but even though I have an extra years NCB the quote has gone up from £200 last year to £230. Most quotes I have had from others have beenin the £300 to £600 bracket. I also need to insure my KTM XC350f as I had it on a multi bike policy and want to get some NCB on that too. It's shit how it seems to be the bike that earns the NCB rather than the rider / driver.
Cheers All. I wouldn't touch MCE with a barge pole... I'm currently insured with Bennetts so will give them a ring. Will also try Bikesure who are supposed to be pretty good with mods.
For insuring a reasonably tricked up track bike for the road (Ohlins front and rear, BST wheels, full Ti Akrapovic, HM dash/quickshifter, PCV, carbon bits and bobs) Bemoto beat most insurers, but Carole Nash beat them. Expensive if you declare all the mods (dependning what they are), adds quite a bit to the yearly premium. Thats with road farings and lights back on, goes up a bit more if you just have it on a 'daytime' MOT. Not put it on the road yet, might try a quote with standard wheels to see if it lowers it. £170 a year standard, £550 with mods. Think Bemoto wanted over £600. appreciate it still not as bad as for some of the dudes down south. A standard 2014 SP would be £250 for me, so they definately bend you over for modifications. Thats with 12 years NCB and no points. Cheers Mike
TBH the main bits are end can, rear sets, quickshift, PCV, brake calipers, brake MC then the usual carbon bits, brake hoses, seat, etc. Obviously online quotes are going to be useless in this case.
Forgot about the rearsets, brake calipers, mc etc, they were included in the quotes . I wonder if the extra premium is because its more attractive to thieves? I reckon the cost of replacing most of the aftermarket parts would probably be cheaper than OEM honda stuff.
Echo those thoughts on MCE. Have worked within the group so have seen things from other side. Would never put any money in their pockets
Just on the ncb point. Imagine you had 3 bikes with the ncd earned on you rather than bike. You have claim on one of the bikes and the ncd then gets reduced on the other 2 as well. Completely not fair, hence why it is earned per vehicle
I've a good friend who is a senior bod in the insurance industry and told me similar ... I've also had a claim with them that proved they were the bigger bunch of crooks going ... ... the insurance ombudsman thought so too!
I've worked within the industry for over 25 years and was appalled. I was a director for one of the companies and resigned after 3 months
So playing devil’s advocate here, If i get caught speeding on one vehicle should it affect the premium of the others come renewal time? We all know it does and even if you have full no claims bonus and have an accident on a different policy you still have to declare it and they load your premium accordingly whether it was your fault or not. Can people give factual instances on how bad MCE are rather than just hearsay? No insurance company likes to pay out but I know some will pay out easier than others.
Yes it should as this is directly in relation to your driving ability. A claim one one policy/bike will have an effect on another policy although ncd not effected. Take my off on my bike, my car insurance premium went up £100 even though the claim I had couldn't happen to a car. Likewise I was reveresed into in my car in October. Third party insurers admitted 100% liability. However I will still have to disclose I have been involved in a non fault claim which now means 2 claims on my record in the same year. That's just the way it is. Not prepared to put in writing anything on MCE.
