Insurance

TeaBagMania

I searched but we haven’t had an insurance thread in a couple of years.

So as a complete noob to bike insurance in Ireland what do I have to look forward to?

Would like to get a general idea of what others are paying and how difficult it is to obtain for a new license holder

Are there discounts if you have a motorcar as your primary transport, or are the policies completely separate?


damn font

Edit: Gerrowadat has good vid here as a starting point, many thanks
https://www.youtube.com/watch?v=WcKWJAeWVX8&index=5&list=PLl9G7hBQk0LZ-YlE4V7Q2sbevruhd3g4Y

mamax

A friend of mine recently got a quote for fazer/bandit 600, he's been away from bikes about 10 years

Provisional licence
Age 43
Bike stored in garage
Full car licence with 20 years
Lowest was €370 from adelaide
Every other company was higher


Would be nice to see a few more recent quotes from returning/learner bikers of all ages as well

TeaBagMania

Thanks Ma, I plan on retiring to Ireland in the distant future and just trying to get my mind wrapped around average costs. As of now the BMW and Harley are definitely coming with me

I too would like to see a few more renewal or new rider insurance costs

honda boi

Got my renewal from liberty the other day,
23 yr old
3 years no claims,
99 deauville 650
Provisional
€40 a month so about €480 pa.

Paulw

mamax wrote: »

Lowest was €370 from adelaide

honda boi wrote: »

€40 a month so about €480 pa.

3rd Party or fully comp???

I just renewed mine.
Liberty Insurance
40-something yr old
1 year no claim
F800GSA
Learner permit

€650 (fully comp) Everyone else was nearly double that.

honda boi

Paulw wrote: »

3rd Party or fully comp???

I just renewed mine.
Liberty Insurance
40-something yr old
1 year no claim
F800GSA
Learner permit

650 (fully comp) Everyone else was nearly double that.

Sorry ye 3rd party fire and theft

Cienciano

There was a superthread on this. Anyway, I'm happy enough with mine. Renewed about 2 weeks ago with adelaide

Fully comp
1100 Ducati Hypermotard
38 years old
5 years no claims
Parked in Dublin 12.
€330

Edit: im covered to ride other bikes too

peckerhead

I'm closer to the OP's age and at this stage I think I've got to the bottom of the market, so to speak — last August when I renewed with Adelaide I queried why there was no reduction on the previous year, as I'd now 4 years' NCB instead of 3, and they said I/they "just couldn't get it any cheaper" (not south of the border, anyway...). It's the bog-standard RSA policy which doesn't cover driving other bikes.

Driver age 51, 4 years NCB, Honda CB-1 400cc, parked on drive in Limerick = €219 full comp.

Used to be €179 until Cornmarket took over Adelaide and the €40 commission became non-negotiable (I'd badgered the Adelaide salesmen into dropping it on my second renewal )

Has anyone here got a bike on the road for under €200?

TeaBagMania

That’s cheaper than I can get in the states. Basic on the BMW is $75; full comp on the Harley is $200

Auto insurance in Ireland is the killer. I’ll be driving a 1.1L Hyundai for five years that’s for sure

goodlad

http://www.boards.ie/vbulletin/showthread.php?t=291219&page=56

CJhaughey

peckerhead wrote: »

Has anyone here got a bike on the road for under €200?

Just about, got mine for €204 in 2013 and since then €219

mamax

Paulw wrote: »

3rd Party or fully comp???

Third party only

aido43

Try Principle Insurance,based in Santry. Liberty took the mickey in Sept with a 85% increase from previous year and wouldnt budge. Got a quote from Principle back to below Libertys original from last year. Nice bunch and easy to deal with.---and TeabagMania the least of your worries will be insurance in this country.(Im contemplating the reverse--retirement in US)

galwaytt

TeaBagMania wrote: »

That’s cheaper than I can get in the states. Basic on the BMW is $75; full comp on the Harley is $200

Auto insurance in Ireland is the killer. I’ll be driving a 1.1L Hyundai for five years that’s for sure

Don't want to rain on your parade, but the Hyundai will cost you more than your bikes. A lot more.

Have you kept (did you have), an Irish M/C licence ? - if the only licence you have is a US one, you'll have bigger issues to fix............

Not knowing what BMW you have I can't say, but Harley's have a conservative rating ( I have a RK).

TeaBagMania

Oh im well aware of the auto insurance being far more than the bike insurance, that’s in part why I wanted to bring the bikes as I hope to save a bit in the beginning.

Never had an Irish license of any sort, only have a US license and have already planned on doing the IBT and EDT at the same time. You can use your US license in Ireland for up to 12 months

Currently, 2013 BMW 1200 GS Adventure and 2015 Harley Street Glide

rock22

TeaBagMania wrote: »

....
Currently, 2013 BMW 1200 GS Adventure and 2015 Harley Street Glide

Carole Nash do offer a multibike policy. Not sure if other companies do, so they might be cheapest if you are insuring two bikes.

gerrowadat

Cornmarket certainly do. I'm currently with them, since I got the 2nd bike (thus losing my NCB with liberty, boo-urns).

fatty pang

TeaBagMania wrote: »

Currently, 2013 BMW 1200 GS Adventure and 2015 Harley Street Glide

That could get expensive….
I paid €570 for a 1200GS last year with Adelaide. Liberty was looking for 800+. Principal wouldn’t quote for anybody without 2 years ‘recent’ insurance history.
Details;
Fully comp
Based on a value of €10K on a 2010(TU)
Bike garaged - Dublin (Badlands of D22)
50+
Full licence for over 30 years
No NCB (back on a bike after kids through college)


On the plus side there are plenty of Starbucks here to drown your sorrows.

galwaytt

TeaBagMania wrote: »

Oh im well aware of the auto insurance being far more than the bike insurance, that’s in part why I wanted to bring the bikes as I hope to save a bit in the beginning.

Never had an Irish license of any sort, only have a US license and have already planned on doing the IBT and EDT at the same time. You can use your US license in Ireland for up to 12 months

Currently, 2013 BMW 1200 GS Adventure and 2015 Harley Street Glide

With 28 yrs + on bikes my RK and 2 others cost me €425 ish full comp.

Zero NCB is going to make it very tough...

gerrowadat

The GS seems OK to insure, possibly due to the eh, owner/risk profile. I'd imagine the harley is similar, it's not like you're trying to insure two litre sports bikes.

I insured a 2014 R1200GS and 2015 Ninja 650 with cornmarket, fully comp, 912e. That's at 36, with zero NCB and only having my full license a wet weekend. Bear in mind they only seem to care about the 'bigger'/more expensive bike, and to chat to them about extras like home start, breakdown, legal cover, blah blah which you probably don't need (if you join the AA). That knocked well over 100 quid off mine as far as I remember.

galwaytt

gerrowadat wrote: »

The GS seems OK to insure, possibly due to the eh, owner/risk profile. I'd imagine the harley is similar, it's not like you're trying to insure two litre sports bikes.

I insured a 2014 R1200GS and 2015 Ninja 650 with cornmarket, fully comp, 912e. That's at 36, with zero NCB and only having my full license a wet weekend. Bear in mind they only seem to care about the 'bigger'/more expensive bike, and to chat to them about extras like home start, breakdown, legal cover, blah blah which you probably don't need (if you join the AA). That knocked well over 100 quid off mine as far as I remember.

Just a note: Carole Nash woulnd't insure my R-K for the first few years, until it's value came down. They wouldn't cover a bike over a €15k value at the time. Not sure if this is still the case though.

gerrowadat

galwaytt wrote: »

Just a note: Carole Nash woulnd't insure my R-K for the first few years, until it's value came down. They wouldn't cover a bike over a €15k value at the time. Not sure if this is still the case though.

I tend to undervalue vehicles on policies (since you rarely if ever get the full whack and it's all a scam anyway). So I valued the GS at 15k, don't remember if I had to or if the chap on the phone said it'd be easier/cheaper.

rowanh

Just been getting quotes this morning after Adeliede rang me about my renewal.

34 Male
2 years ncb
fully comp
2003 cbr600f
Fully comp with breakdown


Adelaide came in with 660, then about 600, about 550 with only uk and Ireland breakdown cover which is not an option elsewhere.

Carol nash is the winner with 451, includes EU breakdown, protected ncb and their dna kit.

Principal 471 with eu breakdown

Liberty 644

I may see if Adelaide will match/beat Carol Nash but i may just go with Carol Nash.

TeaBagMania

Gerr has a good idea with joining AA

Do you need five years NCB to get the full discount or is it good to go after one year?

Row, what’s a DNA kit?

Not sure about Ireland but I know Full Comp here in the states more than doubles your premium

rowanh

TeaBagMania wrote: »

Row, what’s a DNA kit?

LINK

st1979

rowanh wrote:

Adelaide came in with 660, then about 600, about 550 with only uk and Ireland breakdown cover which is not an option elsewhere.

I got a CBR 600 f4 insured tpft for 280 with riding other bikes even uninsured ones plus breakdown. First time policy on bikes but am 36 just passed test. Ring the worst first and keep beating them down. Carol Nash and principal were the best. But all of them only cared about bettering your best quote. Amazing how much they can drop to get a deal. I was delighted.

mamax

Has anyone managed to combine car and bike insurance or house insurance or at least get some discount on one policy for having the other etc ?

gerrowadat

mamax wrote: »

Has anyone managed to combine car and bike insurance or house insurance or at least get some discount on one policy for having the other etc ?

Liberty do 10% discounts for existing policy holders.

goodlad

I get a discount on both car and house insurance because both are with the same company. But havent got a discount for my bike at all

mamax

Got a bike quote today from liberty, I had been holding off as my car & house insurance are up soon and if they can bundle the 3 together cheaper than I'm getting them separately then I'm on a winner


Age 44
Provisional licence
Level 2 assessment
Bandit 600
Third party only
€277

inchiuvatu

Just renewed today went from Adelaide to Carol Nash.


5 years NCB
Full licence
32 Male
Blackbird and a Bandit 12 garaged
Fully comp.
no claims protection.


Adelaide was 255 (without breakdown as bikes are too old)


Carol Nash was 299 (with full cover inc breakdown)


went with Carol Nash for the breakdown.

johnmolly92

Just finished IBT and looking for my first quote.

23 yr old male
no NCB
Provisional A2

Suzuki SV650, 05
valued at €2500
3rd party, fire, and theft
stored in a driveway, and used for commuting
€250 excess


Cheapest was Principle at €699

Highest goes to Carole Nash at 1700 quid! Was told it would drop to 600 if i garaged the bike but dont have anywhere to unfortunately

listermint

johnmolly92 wrote: »

Just finished IBT and looking for my first quote.

23 yr old male
no NCB
Provisional A2

Suzuki SV650, 05
valued at €2500
3rd party, fire, and theft
stored in a driveway, and used for commuting
€250 excess


Cheapest was Principle at €699

Highest goes to Carole Nash at 1700 quid! Was told it would drop to 600 if i garaged the bike but dont have anywhere to unfortunately

Did you try Liberty they 'were' the cheapest last year for my buddy with similar setup. But tbh 699 for rider with those attributes its not too bad. It will improve with another year under belt or as stated garaged.

Wonda-Boy

Also try Adelaide which in my opinion are the best around to deal with. You might have to be 25 I am not sure.....also unless you already have the bike try getting insurance on the likes of a CB500 or a CBF600 or similar.

Doylers

Wonda-Boy wrote: »

Also try Adelaide which in my opinion are the best around to deal with. You might have to be 25 I am not sure.....also unless you already have the bike try getting insurance on the likes of a CB500 or a CBF600 or similar.

They insured me at 23 last year

johnmolly92

listermint wrote: »

Did you try Liberty they 'were' the cheapest last year for my buddy with similar setup. But tbh 699 for rider with those attributes its not too bad. It will improve with another year under belt or as stated garaged.

Liberty came in at around 950.

Wonda-Boy wrote: »

Also try Adelaide which in my opinion are the best around to deal with. You might have to be 25 I am not sure.....also unless you already have the bike try getting insurance on the likes of a CB500 or a CBF600 or similar.

Adelaide wont insure me without 3 years insurance experience as I'm under 25 unfortunately.

I'm not too disappointed at 700, around 600 was the figure I had in my head before I rang around

BKtje

I knew insurance was expensive in Ireland but this is a real eye opener. Just for the crack I got an online quote from liberty for my z1000sx. Around 400 euro more per year than what I pay here for fully comp.

That doesn't even take into account that wages here are almost double. Doesn't look like I'll ever be moving back to Ireland so

Edit: that doesn't even include the extras included as standard here such as open drive, equipment insurance or starting at 100%ncb.

TeaBagMania

Check with insurers in your home country. I found a few here that will insure my vehicles in Ireland; it’s a little more expensive but still less expensive than using Irish insurance companies

This should give you enough time to get a full Irish license and maybe one year NCB

TeaBagMania

double post

neildyr

Going to ring around later but got a renewal quote from Liberty.

28 yo
Fz6 S2
2009
Garaged
3rd party fire and theft!

680€

Was €790 last year on a provisional. 1st bike policy.

Now have full licence and 1 year NCB and now its garaged and they only came down ~ 100€

I quote " All insurance in Ireland has gone up im afraid and you got a favorable quote last year, so that's why the difference is what you see"


Think its a bit of a rubbish Renewal quote tbh. That's after calling them and squeezing them for a bit more.

Fingers crossed the other options provide some financial solace.

listermint

neildyr wrote: »

Going to ring around later but got a renewal quote from Liberty.

28 yo
Fz6 S2
2009
Garaged
3rd party fire and theft!

680€

Was €790 last year on a provisional. 1st bike policy.

Now have full licence and 1 year NCB and now its garaged and they only came down ~ 100€

I quote " All insurance in Ireland has gone up im afraid and you got a favorable quote last year, so that's why the difference is what you see"


Think its a bit of a rubbish Renewal quote tbh. That's after calling them and squeezing them for a bit more.

Fingers crossed the other options provide some financial solace.

Liberty were the best for my first year hands down, and distinctly average on second year.

Phone Principal. you should be more than pleasantly suprised.

neildyr

Yeah was delighted last year with them. Not so much now!!

Good shout. going to call them next couple days.

neildyr

Yeah was delighted last year with them. Not so much now!!

Good shout. going to call them next couple days.

dubdamo

Another recommendation for Principal from me, just moved to them from MCE, MCE customer service not great.

neildyr

got a quote today.

Very pleasant on the phone and a very pleasant quote.

Fully comp 560
45 Days EU cover
Pillion
Breakdown assist etc

3rd party with all the above 440€

Checked what I ACTUALLY paid LIberty last year. It was 717€ on a provisional and first time policy.
This year went back wit full licence and 1 yr NCB: Best price 680.

I think ill go with Principal thanks!

Cheers for the Tip.

neildyr

got a quote today.

Very pleasant on the phone and a very pleasant quote.

Fully comp 560
45 Days EU cover
Pillion
Breakdown assist etc

3rd party with all the above 440€

Checked what I ACTUALLY paid LIberty last year. It was 717€ on a provisional and first time policy.
This year went back wit full licence and 1 yr NCB: Best price 680.

I think ill go with Principal thanks!

Cheers for the Tip.

ChrisWhelo

I'm brand new to all this I'll be doing my theory and IBT in the coming weeks and I'd be looking at getting a Honda XL 125 most likely.

Haven't had a chance to ring up but how much would I be expecting to pay? I know it would be way up in the thousands but how much roughly. I know a little scooter first would bring it down but I wouldn't be caught dead on one

Cheers for any info I've loads to be looking forward to XD

listermint

ChrisWhelo wrote: »

I'm brand new to all this I'll be doing my theory and IBT in the coming weeks and I'd be looking at getting a Honda XL 125 most likely.

Haven't had a chance to ring up but how much would I be expecting to pay? I know it would be way up in the thousands but how much roughly. I know a little scooter first would bring it down but I wouldn't be caught dead on one

Cheers for any info I've loads to be looking forward to XD

You will have to phone insurer's no one can give you an answer. Liberty have been very good for first timers .

ChrisWhelo

Cheers will definitely give them a ring first

Doylers

Switch to liberty this year

650 bandit valued at 4k

Age 24

Few mods to the bike but not performance enhancing

Have 3 years NCB would have had 4 but lost last years one due to a theft claim

Fully comp with breakdown, EU travel and commuting with liberty is 399€

Corn market wanted an extra €40 to go to fully comp and another €80 odd to have commuting on the policy

Blondie919

I recently had my bike derestricted and have to renew insurance soon. Do I have to tell them that it's derestricted? If so, will my insurance be higher?