Insurance that covers bike and car?

beams

Hi folks,

I'm a biker of old looking to return to the saddle (for occasional commuting and weekend spins weather permitting). Is there a way of getting cover through a car policy? I have full licenses, 5 years NCB on car, 6 years NCB on bike (expired at this stage) and I don't want to fork out a grand on bike insurance.

Know of anybody who offers such coverage?

Thanks,
Dec

P.C.

You have to get seperate insurance for a car and bike.

There is no option of covering both on one policy.

You could get an online quote on the Quinn website to give you an idea of what insurance would cost.
The bike you choose will have a big influence on the insurance cost.

beams

P.C. wrote: »

You have to get seperate insurance for a car and bike.

There is no option of covering both on one policy.

You could get an online quote on the Quinn website to give you an idea of what insurance would cost.
The bike you choose will have a big influence on the insurance cost.

Back in the day when Hibernian were still into bike insurance you could drive a bike covered by your car policy under the same conditions that you would drive somebody else's car (as long as you had a bike license and you weren't the legal owner of the bike).

Axa offer bike insurance (through Aon) to car policy holders but you have to be insured with them on the car already to get a bike quote.

Carol nash and Aon won't quote directly because my NCB has expired (on a Honda CBR954).

Adelaide gave a decent quote but still don't fancy spending the guts of a grand for something that i'll use only a handful of times (the summer days) during the year...

For the weekend rider, do you just bite the bullet and fork out the cash?

Wossack

I believe Aon will gave a discount if you have a car policy with them also... but yea, no catch-all policy unfortunately

bladespin

Aon and Carole nash offer discount schemes if you take both bike and car insurance with them, seperate policies I'm afraid though.

It's a pity because as far as I know nearly everyone who has a bike ahs a car too (could be just me) so any insurance company that offered that package would clean up.

EvilMonkey

Aon should give you a bike quote without a NCD. If you call again and get someone else chances are they will give you a quote. If they refuse to quote tell them to send it in writing so you can send it on to the insurance ombudsman. Most bike dealers will be able to give you an AON quote anyway.

If you buy a bmw i think they can arrange insurance through the dealer not sure about it tough.

AON give a discount if you have your car with axa.
Quinn and Carol Nash give a discount if you have a car and bike policy with them.

Best way to bring the insurance down is to do an assessment with a trainer.
Aon and Quinn will give discounts, not sure about the rest.

Cuddlesworth

EvilMonkey wrote: »

Aon and Quinn will give discounts, not sure about the rest.

Quinn recognize Aon assessments, so its good for both. Adelade and Carol Nash won't. You need something like bikesafe or ROSPA certifications.

Luckycharm

beams wrote: »

Back in the day when Hibernian were still into bike insurance you could drive a bike covered by your car policy under the same conditions that you would drive somebody else's car (as long as you had a bike license and you weren't the legal owner of the bike).

Axa offer bike insurance (through Aon) to car policy holders but you have to be insured with them on the car already to get a bike quote.

Carol nash and Aon won't quote directly because my NCB has expired (on a Honda CBR954).

Adelaide gave a decent quote but still don't fancy spending the guts of a grand for something that i'll use only a handful of times (the summer days) during the year...

For the weekend rider, do you just bite the bullet and fork out the cash?

This is true just paid for my insurance for the year 125cc scooter fully comp it was a whopping €60.20

gipi

EvilMonkey wrote: »

AON give a discount if you have your car with axa.

AON gave me a discount on my bike insurance because I have car insurance with someone other than AXA. All I had to do was send them a copy of my insurance cert.

EvilMonkey

gipi wrote: »

AON gave me a discount on my bike insurance because I have car insurance with someone other than AXA. All I had to do was send them a copy of my insurance cert.

That's interesting, i didn't know that.

gipi

EvilMonkey,
I didn't know about it either until renewal last year when the quote was a bit high (in my opinion...but they always are ) the AON person I spoke to asked if I had a car & car insurance, and it went from there!

paddy147

P.C. wrote: »

You have to get seperate insurance for a car and bike.

There is no option of covering both on one policy.

Oh yes there is.:)

Cuddlesworth

paddy147 wrote: »

Oh yes there is.:)

Lets see four private insurance providers in Ireland that don't do it. You get discounts, but two policy's.

Trade then? Thought that was limited to the type of vehicle your working on?

paddy147

Cuddlesworth wrote: »

Lets see four private insurance providers in Ireland that don't do it. You get discounts, but two policy's.

Trade then? Thought that was limited to the type of vehicle your working on?

I only have 1 policy and have my cars,jeep and bike covered on it,the bike being my Ducati 996.:)

Cuddlesworth

paddy147 wrote: »

I only have 1 policy and have my cars,jeep and bike covered on it,the bike being my Ducati 996.:)

Care to elaborate?

Wossack

paddy147 wrote: »

I only have 1 policy and have my cars,jeep and bike covered on it,the bike being my Ducati 996.:)

your cloak and dagger covered by this mysterious policy too?

Xios

Wossack wrote: »

your cloak and dagger covered by this mysterious policy too?

martin insurance brokers is the closest thing to multi-vehicle i could find with a short google search, i left them a mail, should hear back on monday, i'll post info if they do cover for cars and bikes, they prob don't though.

Sids Not

Correct me if i'm wrong but on a trade policy you can drive anything ,car,van, jeep etc under the policy but you have to nominate AND pay extra for a bike , or you pay extra for each bike....
I have seperate car and bike insurance and it works out cheaper than a trade policy....

P.C.

paddy147 wrote: »

Oh yes there is.:)

paddy147 wrote: »

I only have 1 policy and have my cars,jeep and bike covered on it,the bike being my Ducati 996.:)

So - which Irish insurance company will insure my car and bike on one policy?

Either there is one, and you will post up the details...

or...

you are posting porkies.


Ball - court - yours.

Sids Not

Dont be getting so ratty.........he's probably out on his bike in the sunshine....

If you pick up the Golden Pages or a copy of Buy and Sell you'll see Traders insurance in there some where...or do you want us to do that for ya too...:p

Its not a "secret club" or whatnot........:rolleyes:

FFS....HERE....http://www.campionins.com/content/general-insurance/motor-traders

P.C.

beams wrote: »

Hi folks,

I'm a biker of old looking to return to the saddle (for occasional commuting and weekend spins weather permitting). Is there a way of getting cover through a car policy? I have full licenses, 5 years NCB on car, 6 years NCB on bike (expired at this stage) and I don't want to fork out a grand on bike insurance.

Know of anybody who offers such coverage?

Thanks,
Dec

Sids Not wrote: »

Dont be getting so ratty.........he's probably out on his bike in the sunshine....

If you pick up the Golden Pages or a copy of Buy and Sell you'll see Traders insurance in there some where...or do you want us to do that for ya too...:p

Its not a "secret club" or whatnot........:rolleyes:

FFS....HERE....http://www.campionins.com/content/general-insurance/motor-traders

Where in the first post did you read that 'beams' owns a car dealership?

There is no option for somone to get private car insurance and private bike insurance on one policy.


You are right - it is not a "secret club", mainly because it does not exist.

Oh, and I am not ratty - just don't like people posting bs.

paddy147

P.C.......Being ratty and calling people out w and accusing them of posting "bs" (as you call it), will get you nowhere.

Im not some snotty little kid,so dont even dare to talk to me in the manner you are.You are lucky Im even bothering to reply to you at this stage.So wize up.

1 policy covers all my cars (3),jeeps (2) and bikes (2 SP1 and 996,but now down to 1 at the moment,Ducati 996)

Im with Allianz.

P.S-Oh and yes,I do have a life and tend to be out with my girlfriend and family,especially on a lovely sunny sunday.And not be sat by a computer to respond immediately to some ratty smart ar5ed people.Oh and for the record,Im not a car dealer or dealership.
Maybe if you had some cop on,got up off your ar5e and actually went and made a few phone calls and did your homework/digging around,you wouldnt be so smart and ratty in your postsI,ll leave you now to scratch your head and try and work it out.

Regards.

KamiKazi

Meow

P.C.

paddy147 wrote: »

P.C.......Being ratty and calling people out w and accusing them of posting "bs" (as you call it), will get you nowhere.

Im not some snotty little kid,so dont even dare to talk to me in the manner you are.You are lucky Im even bothering to reply to you at this stage.So wize up.

1 policy covers all my cars (3),jeeps (2) and bikes (2 SP1 and 996,but now down to 1 at the moment,Ducati 996)

Im with Allianz.

P.S-Oh and yes,I do have a life and tend to be out with my girlfriend and family,especially on a lovely sunny sunday.And not be sat by a computer to respond immediately to some ratty smart ar5ed people.Oh and for the record,Im not a car dealer or dealership.
Maybe if you had some cop on,got up off your ar5e and actually went and made a few phone calls and did your homework/digging around,you wouldnt be so smart and ratty in your postsI,ll leave you now to scratch your head and try and work it out.

Regards.

Hahahaha

I will give Allainz a call in the morning, but don't think they will entertain me.

I do know that there are only four (4) companies that do private motorcycle insurance in the Republic of Ireland, and they are:

1.) Quinn
2.) Aonn
3.) Adilade
4.) Carrol Nash


So, do you have private insurance, or is it some company/trade insurance?

Cuddlesworth

Lets get this straight. If its either a Trade or Company policy, the insurance company is under no obligation to pay out to you for compensation and is entitled to go after you for the value of any third party claims if the purpose of your trip can not be directly attributed to your company or work.

jameshayes

quinn also give a discount if you have car and bike insured.. I think it's 10% on each policy

paddy147

My policy is fully comp/complete coverage in any event,gives my full private/leisure coverage 24h a day,just to clear that matter up.Thats on car,jeep or bike,there are no restrictions on it.

Instead of some of you blabbing on about it and thinking that "you" know what my policy does or does not entitle me to do or drive,why dont some of "you" actually go and ring around and do your homework and research a little harder.

It aint rocket science.

Regards.:)

P.C.

paddy147 wrote: »

My policy is fully comp/complete coverage in any event,gives my full private/leisure coverage 24h a day,just to clear that matter up.Thats on car,jeep or bike,there are no restrictions on it.

Instead of some of you blabbing on about it and thinking that "you" know what my policy does or does not entitle me to do or drive,why dont some of "you" actually go and ring around and do your homework and research a little harder.

It aint rocket science.

Regards.:)

So, it is a company poilcy.

paddy147

P.C. wrote: »

So, it is a company poilcy.

Eh........................................no


1-Pick up phone.
2-Ring around,get and go through all insurance companies.
3-Specify what you want covered and what coverage and extras or benifits you want.Specify any extra/named drivers too (like the missus)
4-Get quote,pay via visa or with bankdraft.
5-Sit back,relax and enjoy a nice cuppa tea.
.
.
.
.
.
.
.
.
.
6-Go suss it out yourself instead of talking on and on here,when you dont really seem to be clued up.Because most of what you have said here is so far off the mark.


7-Regards and Adios,thats a rap for me.Its now up to you to suss it all out.so happy hunting.




P.S-being over 30 does help too..

P.C.

paddy147 wrote: »

Eh........................................no


1-Pick up phone.
2-Ring around,get your contacts and remember them.
3-Specify what you want covered and what coverage and extras or benifits you want.Specify any extra/named drivers too (like the missus)
4-Get quote,pay via visa or with bankdraft.
5-Sit back,relax and enjoy a nice cuppa tea.
.
.
.
.
.
.
.
.
.
6-Go suss it out yourself instead of talking on and on here,when you done really seem to be clued up.Because most of what you have said here is so far off the mark.


7-Regards.

Done all that, and I got my insurance real cheap like.

Allianz still don't do motorcycle insurance.

paddy147

P.C. wrote: »

Done all that, and I got my insurance real cheap like.

Allianz still don't do motorcycle insurance.

Oh yes they do.;):D

KamiKazi

paddy147 wrote: »

thats a rap for me.Its now up to you to suss it all out.so happy hunting.

Fvck yea, I love rap.

RATM

The bigger issue in this whole thing is the way the insurance companies treat us with total disdain.

When you think about it you insure your vehicle for 365 days, 24hrs a day. Now by charging seperately for bike insurance as well as a car policy the insurance company stands to make more money.
But when you think about it logically from a risk point of view then the odds haven't changed one single bit. Why? Because you can't possibly drive your bike and car simultaneously -so that if you are driving one then the other must be in the garage and off the road.

So the insurance company is effectively dipping your pockets twice and as you must have insurance by law you are effectively powerless against how they dictate they sell it to you. If they want to rip you off and charge for 2 policies when they know well only one vehicle can be on the road at any one time then they can. And their backed up by the laws of the state to do this, in fact it is the state who coerces you into getting insurance in the first place through their laws.

That's the bigger issue here- there are loads of people like the OP who would love to have a bike in the garage for sunny days, rideouts, etc but then must pay through the nose to do so. :mad:

Xios

RATM wrote: »

...when they know well only one vehicle can be on the road at any one time then they can.

I feel your anger, but there are complications that can hold back car/bike policies, what about named drivers? You're on the bike, the missus is in the car, both are being driven at the same time on the same policy. As for insurance discs, can you have 2 copies of the same one? (can't see why you ain't allowed, but there's prob some stupid law against it)

RATM

Xios wrote: »

I feel your anger, but there are complications that can hold back car/bike policies, what about named drivers? You're on the bike, the missus is in the car, both are being driven at the same time on the same policy. As for insurance discs, can you have 2 copies of the same one? (can't see why you ain't allowed, but there's prob some stupid law against it)

Named drivers are nothing they couldn't get around quite easily- if you have a car/bike policy and want to name a driver then you should pay a premium higher what it would be if you were insuring a car only. This would reflect the fact that the car and bike could be on the road at the same time.

What annoys me is that we are forced by law to have insurance. Now I don't disagree with that. But because you are forced into buying it there should be much tighter regulation that ensures companies do not rip off the public, which I feel they've being doing for years and continue to do so. There's one thread in Motors at the moment whereby a driver with no accidents and a NCB of 9yrs is being forced into paying a 34% increase in their premium- its simply ridiculous - they are getting punished for driving safely.

The outrageous thing is that that the laws of the land actually support private companies ripping off the public interest. The insurance market is yet another example of the 'light-touch' (or no-touch) regulation so favoured by the likes of Harney, McCreevy, et al and look at the mess that that policy has gotten us into..

Stainless_Steel

RATM wrote: »

Named drivers are nothing they couldn't get around quite easily- if you have a car/bike policy and want to name a driver then you should pay a premium higher what it would be if you were insuring a car only. This would reflect the fact that the car and bike could be on the road at the same time.

What annoys me is that we are forced by law to have insurance. Now I don't disagree with that. But because you are forced into buying it there should be much tighter regulation that ensures companies do not rip off the public, which I feel they've being doing for years and continue to do so. There's one thread in Motors at the moment whereby a driver with no accidents and a NCB of 9yrs is being forced into paying a 34% increase in their premium- its simply ridiculous - they are getting punished for driving safely.

The outrageous thing is that that the laws of the land actually support private companies ripping off the public interest. The insurance market is yet another example of the 'light-touch' (or no-touch) regulation so favoured by the likes of Harney, McCreevy, et al and look at the mess that that policy has gotten us into..

I also agree that the risk of having two vehicles shouldnt mean double the risk as in 2 policies....HOWEVER....sure you cannot drive both at the same time....but your car can still be robbed while you're out on your bike and vice versa. So I think paying just the theft cover (which we have no insight into) would be a fairer approach.

RosieJoe

RATM wrote: »

Named drivers are nothing they couldn't get around quite easily- if you have a car/bike policy and want to name a driver then you should pay a premium higher what it would be if you were insuring a car only. This would reflect the fact that the car and bike could be on the road at the same time.

Having a named driver on the car policy actually reduces the premium for me, thanks wifey

steviebg

Sorry for digging up an old thread but i'm on the brink of rejoining the biking community and was wondering can anyone back up paddy147's cliam?? With the budget just passed it's important to save a few pound, so before i start ringing around does anyone have a bike and a car on one policy?? If not what's the next company to go to? Oh and i'm over 30 and have a provo licence. Thanks all!

Flyin Irishman

steviebg wrote: »

does anyone have a bike and a car on one policy??

Paddy147 apparently does, but he seems to feel that a community-based discussion forum is not the place to ask him about it.

My best guess would be small fleet insurance(if you can get bikes covered), but it might not pay off if its just a bike and a car; it would probably only become economical with 4 or 5 vehicles covered.

galwaytt

..there have always been people who get deals from insurance companies.

For instance, at the start of the year insurance through a broker is cheaper, than at the end.

I remember years and years ago when Norwich Union pulled the Rider Policy, there was uproar. But through 'persistance' and 'application', every year I made it my mission, and I had it for a good.......10 years ?.....after it officially went off the market.

I remember one guy refusing to cover me on a Mazda MX-5 (Hibernian) as, 'they don't cover convertibles'. Nonsense, obviously, as the actual guy I spoke to in Hibernian drove a .........Mazda MX-5.

I remember another case of a guy with multiple cars on single policy. Company swore black-as-white there was no such facility. Turns out the client also had Public and Employer's liability with them, and they didn't want to lose that.........

So, insurance is never, really, black and white. At the end of the day, it's all about business: money. If it's in their interest to give it, they will. If not, they won't. If you have leverage, use it. If not...........er, well, sorry......but there's sweet f.a. you can do, really.