BMW Insurance quote vrs Carol N

Cionn

Guys,

I just bought my first bike a 2004 BMW F650(restricted). I was ringing around the insurance companies and to be honest I found the process mad.
My Details as follows:
Age:36
Licence:Provisional (1 month)
NCB:0

Carol Nash quote me €1038 Third Party Fire and Theft
Quinn won't Quote me
Aon: After ages trying to get someone to answer the phone they said they will only quote me when I get recognised training (chicken and eggs scenario)

I rang BMW Insurance and they quoted me 1300 for 3rd Party fire and Theft, so I told them the quote I got from Carol Nash so BMW straight away drop their quote to 900 a whopping €400 drop.:eek:

I guess I should rin CN back and see if they will drop their quote further. I can't believe that there is that much of a swing in what people can reduce a premium by.

For those worried about my choice of 1st bike I am taking it easy and will not be taking it on the road before my professional instructor says that I am ready.
Cheers

Cionn

Hotblack Desiato

Cionn wrote:

For those worried about my choice of 1st bike

Why? F650 is a good choice for a learner, not too heavy and not so light as to be blown all over the road, powerful enough when unrestricted but not gutless when restricted, not too much plastic. Only drawback would be seat height if you're short in the legs.
The idea that you have to start off on a 125 or less is a load of cr*p imho, what's important is getting proper training and wearing proper gear always. That insurance quote doesn't sound too bad by Irish standards. Good luck with the bike.

colm_c

Cionn wrote:

For those worried about my choice of 1st bike

I've got the same bike as my first bike (About six weeks now).

My instructor said that it's a great starter bike as big bikes go... I find it great for commuting and the height is great for being able to see over traffic.

Definitely not a bike for the shorter folk, but I do know a guy who is 5' who rides one... he can't use the centre stand!

Be@nz

Quinn are very competitive. I moved to them a few weeks ago. Did they give a reason why won't they quote you? Shame..

sutty

more than likely because he doesn't have any NCB. They dont seem to want first timers. Very few get a quote or are told they will need a Aon grade 2 assessment to get covered

Cionn

I am waiting to see what Carol Nash call back with, I'll post when they give me numbers. I think anything under a grand is good.

I'm 5'11 so should be tall enough for the bike. Picking it up on Friday so happy days.


Now to start looking for a reasonably prices tank bag and top box.

Chunkylover

just out of pure noseyness, i traded my 04 f650 in a few months back, can I ask where you picked yours up from, would love to know where all my old bikes are now

Cionn

Chunkylover wrote:

just out of pure noseyness, i traded my 04 f650 in a few months back, can I ask where you picked yours up from, would love to know where all my old bikes are now

got it in Joe Duffy's

Steffano2002

ninja900 wrote:

The idea that you have to start off on a 125 or less is a load of cr*p imho, what's important is getting proper training and wearing proper gear always.

Couldn't agree more with you! People were telling me I was mad to get a Bandit 600 as a starter bike and I was thinking "They must think I'm handicapped or something"!

Cionn your choice for a first bike was perfect as far as I'm concerned...

Krusty_Clown

BMW are actually Eagle Star. That is a ridiculous drop. Historically there was very little room to reduce premiums through getting competitive quotes, but thankfully (to MAG and others) things are changing at last..

My experience last year:
AON: That'll be 1,300 euro
CaroleNash: That'll be 2,100 euro
Me: But I'm 35, full ncb, full clean license?
CaroleNash: That'll be 2,100 euro
Me: But Aon are quoting me 1,300 euro
CaroleNash: Hmm.. That is cheap. Anything else we can help you with?

Wossack

Quinn quoted me, 0 NCB, 24, cbr125r - think its more to do with the bike then the NCB... looks like they arent recognising factory restrictions either (aon being the only ones that do as far as I can see)

MrPudding

Steffano2002 wrote:

Couldn't agree more with you! People were telling me I was mad to get a Bandit 600 as a starter bike and I was thinking "They must think I'm handicapped or something"!

Cionn your choice for a first bike was perfect as far as I'm concerned...

I got an unrestricted zzr600 for my first bike, loved it, and them moved to a R1200GS Adv after 4 months. Get the training in and be *reasonably* sensible and it is no problem.

Before I started work in the UK and had access to the wonderful thing that is Direct Access, I was planning to do my test in Ireland and I was looking at a 650GS. I was told they are great starter bikes.

MrP

colm_c

Wossack wrote:

Quinn quoted me, 0 NCB, 24, cbr125r - think its more to do with the bike then the NCB... looks like they arent recognising factory restrictions either (aon being the only ones that do as far as I can see)

Quinn quoted me with 1 years NCB (on a moped) for my F650GS and I'm 25, they were much cheaper than AON or CN.

galwaytt

CN seem to have priced themselves out of the market completely, my new policy with AON was 1/4 of what CN wanted.........ymmv, as they say.

And I'm not the only one, - wife went to Quinn.

And to think that CN were once touted as the saviour of Irish market, now theyr'e just as bad as Norwich Union ever were (remember them !! :eek: )

macnab

There is a lower seat option for the F650GS which makes the seat height 780mm. I have a second hand seat for sale, its red & in perfect condition. I changed it because I prefer black. I have had lots of bikes over the years and I think the F650GS is a great little bike, especially in city traffic.

macnab

Chunkylover, how much were you allowed for the F650 at trade in. Cionn, how much did you pay for your F650.

Copper

I'm looking at getting the new F800ST (factory restricted), but my head is melted trying to sort out insurance; 20yrs old, full licence. Has anyone got the number for BMW insurance?

Cheers.

Krusty_Clown

Copper wrote:

I'm looking at getting the new F800ST (factory restricted), but my head is melted trying to sort out insurance; 20yrs old, full licence. Has anyone got the number for BMW insurance?

Cheers.

Even factory restricted, it's going to cost you the price of a small house to insure it.. and BMW have been working out a lot more expensive than other insurers..

Number: 1850 222 111

Hotblack Desiato

galwaytt wrote:

CN seem to have priced themselves out of the market completely, my new policy with AON was 1/4 of what CN wanted.........ymmv, as they say.

And I'm not the only one, - wife went to Quinn.

And to think that CN were once touted as the saviour of Irish market, now theyr'e just as bad as Norwich Union ever were (remember them !! :eek: )

At least if you're not happy with a quote (or the service you get) you can go elsewhere. That wasn't possible in the old Norwich Screwnion days and the worst thing was knowing that they had you totally over a barrel. Either pay them their telephone number quote or give up biking.

Quinn certainly are offering some very competitive quotes at the moment but being new to the bike market, it remains to be seen if they can keep their rates at that level. Hopefully they've got their sums right and renewals will be in line with the first year premiums.

pa990

BMW insurance :
'07 F800ST
29y/o
Full Licence
0 NCB
Limited mileage 3k

TFT € 1600
Comp €2060

crazy crazy crazy.. i'm sticking to 4 wheels

Copper

Quinn Direct
07 F800ST (FR)
20 y/o
Full licence
0 NCB
TPO €1,600

I was delighted with that quote, especially since CN and BMW told me to PFO until I was 28.

I think they only gave me that quote because I already have a car and bike insured with them. I've given them over €10,000 over the past 3 years and never claimed so I would have been annoyed if they didn't quote me.

Wossack

geez, youre doin alright...

24 and 1800e on a 125cc