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Motorbike insurance - tell us your quotes

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    #782
    Richard tea
    Registered Users Posts: 3,597 ✭✭✭Richard tea


    peckerhead wrote: »
    Snap, even though I've nearly 20 years on you. Last year I got the same basic RSA policy for €189; the €30 hike is since they joined up with Cornmarket to offer their customers even better value. :rolleyes:


    I didnt bother ringing principle or quinn insurance because they would not have beating that quote. Adelaide dont do breakdown cover for bikes over 15 years old so fingers crossed I dont break down.


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    #783
    Mesrine65
    Closed Accounts Posts: 3,969 ✭✭✭Mesrine65


    €8.25 a month for full breakdown recovery & emergency home start with AA

    http://www.theaa.ie/AA/AA-Membership.aspx


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    #784
    Wonda-Boy
    Registered Users Posts: 10,013 ✭✭✭✭Wonda-Boy


    Mesrine65 wrote: »
    €8.25 a month for full breakdown recovery & emergency home start with AA

    http://www.theaa.ie/AA/AA-Membership.aspx

    Its €40 with Adelaide, €99 for the year seems steep to me.


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    #785
    goodlad
    Registered Users Posts: 3,222 ✭✭✭goodlad


    But as mentioned above adelaide won't cover a 15 year old bike with breakdown.

    A also covers any bike your driving or a car your are driving even if it's not yours. You get the AA cover essentially, not a specific vehicle


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    #786
    Mesrine65
    Closed Accounts Posts: 3,969 ✭✭✭Mesrine65


    Wonda-Boy wrote: »
    Its €40 with Adelaide, €99 for the year seems steep to me.
    Having tried & used Adelaide breakdown services, I'll stick with the AA

    €50 for motorcycle recovery services on average, 2 x call-outs per annum for older bikes would be reasonable.

    I used AA coming back from Faro last year when I got a back tyre blow out & they were fantastic, got the bike to a dealer in France on a Monday & put me in a hotel for the night.

    €99 well spent IMHO Wonda ;)


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    #787
    Dorsanty
    Registered Users Posts: 535 ✭✭✭Dorsanty


    Male: 36
    Full License
    7 years no claims
    speed triple '14
    street triple r '08

    fully comp €410 Adelaide
    Winner for worst quote was CaroleNash €900+ later brought down to €650


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    #788
    Spete
    Registered Users Posts: 26 ✭Spete


    Male, 46
    Aprilia Tuono 2003
    0 years NCD
    Liberty: 430
    CN: no quote by the audibly yawning droid
    Adelaide: 800


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    #789
    prunudo
    Registered Users Posts: 7,169 ✭✭✭prunudo


    Renewed the insurance last week with Adelaide or cornmarket as they're known now.
    Full ncd, 35yr old male, 09 er6, breakdown and legal cover = €289
    Think that's the cheapest I've ever paid for any category of motor insurance over the last 17 years.


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    #790
    coolkidirish
    Registered Users Posts: 64 ✭✭coolkidirish


    Sex : Male
    Age: 25
    License: Prov
    NCB: 0
    Bike: 96 Suzuki Bandit GSF 600

    Quote CN : €375
    Quote Liberty : €577 but haggled them down to €315 since my car was up for renewal and threatened to take that from them.


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    #791
    gerrowadat
    Registered Users Posts: 3,363 ✭✭✭gerrowadat


    Male, 36, 0 years NCB, full license since a month ago.

    2 bikes, 2011 Yamaha XJ6S diversion and 2014 BMW R1200GSTE. All quotes fully comp.

    Liberty (who I'm with) don't do multi bike, wanted another 705.75 to cover just the GS. Shove it up your hoop, lads.

    Carole Nash wanted 1658.21 standard excess, then came back with 1206.83 with 650 quid excess on the bmw and 325 on the yamaha. With legal and breakdown (which I theoretically get from the dealer on the bmw anyway).

    Adelaide, 880.20 with 500/250 excess, no breakdown or legal. Took the risk and went with this, if I spend less than 300 quid on recoveries for the diversion in the next year I'll be doing ok.


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    #792
    chasm
    Registered Users Posts: 2,078 ✭✭✭chasm


    Sex : Female
    Age: Very early 40s ;)
    License: Full A1
    NCB: 5+
    Bike: 00 Yam Sr125

    Fully Comp quotes
    Axa : 255.85
    Liberty : 325.50
    Principal: 243.53 excess 175
    CN : 322.58 excess 210
    CN after being told Principal quote : 233.30 excess 100

    Opted for CN, policy includes Ireland and European accident and breakdown cover including homestart, DNA+ protection, legal cover, driving of other bikes, and protected NCD


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    #793
    PlayerA
    Registered Users Posts: 39 ✭PlayerA


    Sex : Male
    Age: 29
    License: full
    NCB: 2
    Bike: cbr fs 2001
    Policy : third parties fire & theft
    Quote CN : €650
    Quote Principal insurance : €535
    New quote CN : €445

    excess : €300

    Happy with that :)


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    #794
    AgileMyth
    Closed Accounts Posts: 3,761 ✭✭✭AgileMyth


    Male
    25
    6 years NCB
    BMW K1100LT with sidecar
    Adelaide 290
    CN 345
    Principal 290

    Turned 25 this week, makes some difference to insurance prices and options.


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    #795
    flyton5
    Registered Users Posts: 1,112 ✭✭✭flyton5


    Sex : Male
    Age: 27
    License: Full A
    NCB: 4
    Bike: 04 BMW R1200 GS

    TPFT quotes with bonus protection:
    CN : €450 (initially quoted €567) - excess €300
    Adelaide : €415 - excess €250

    Full Comp with bonus protection:
    CN : €650 (initially quoted €752)
    Principal : €390 - excess €350

    All quotes included legal protection, breakdown, carrying a pillion and driving other bikes. Adelaide didn't offer homestart nor did they offer me a quote for fully comp. Both Carole Nash and Principal offered 2 claims without affecting my bonus and step back with a 3rd claim. Hope I won't be needing it but handy to have.

    The agent at Principal (Shannon? Or maybe Sharon?) said she'd call me back in 10mins after I'd given her all the details. This was at about 4.55pm, and having worked in insurance a few years back I figured she'd got a massive price, was clocking off at 5pm and wasn't bothered dealing with me. Fair play to her though, I paid €390 last year with Adelaide for TPFT and I'm happy to pay that for fully comp with bonus protection. Won't be for everyone but give them a try.


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    #796
    Beer Assistant
    Registered Users Posts: 284 ✭✭Beer Assistant


    Male 40
    NCB 0
    Learner permit just acquired 22/6/15
    '03 Suzuki bandit 600 no restrictions
    Tpf&t €330 Carole Nash


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    #797
    Krusty_Clown
    Registered Users Posts: 19,504 ✭✭✭✭Krusty_Clown


    Male: 43
    NCB: Full 11+ years
    License: Full 13+ years
    Bike: 05 BMW R1200GS, factory alarm/immobiliser (value: €2.5k)
    Kept in: back garden behind locked gate

    Adelaide: €397 (no recovery or legal)
    Principal: €278 (inc recovery and legal)

    Still have to ring back Adelaide, but seems like a no-brainer. Anyone have experience with Principal? Any down-sides?


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    #798
    blade1
    Registered Users Posts: 12,212 ✭✭✭✭blade1


    Krusty_Clown wrote: »
    Male: 43
    NCB: Full 11+ years
    License: Full 13+ years
    Bike: 05 BMW R1200GS, factory alarm/immobiliser (value: €2.5k)
    Kept in: back garden behind locked gate

    Adelaide: €397 (no recovery or legal)
    Principal: €278 (inc recovery and legal)

    Still have to ring back Adelaide, but seems like a no-brainer. Anyone have experience with Principal? Any down-sides?

    principals excess is usually higher.
    Adelaide's price seems very high.
    I have 4 bikes insured with them for only €18 more than that.


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    #799
    goodlad
    Registered Users Posts: 3,222 ✭✭✭goodlad


    Thats a crazy price. I'm only paying Adelaide just over 200 for fully comp with protected ncb, breakdown etc.... And im on a blackbird.

    Maybe the area you live in is a higher risk and pushing up the price.


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    #800
    galwaytt
    Registered Users Posts: 12,761 ✭✭✭✭galwaytt


    S.O. just renewed........

    45+ ahem..but not 50 !
    1 years NCB
    Full licence
    SV650S
    renewed with CN for €270 iirc

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



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    #801
    [Deleted User]
    Posts: 0 ✭ [Deleted User]


    Male, 35.
    Full licence, no claims etc.
    Yamaha MT-01
    €260 for fully comp with Axa.


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    #802
    Krusty_Clown
    Registered Users Posts: 19,504 ✭✭✭✭Krusty_Clown


    goodlad wrote: »
    Thats a crazy price. I'm only paying Adelaide just over 200 for fully comp with protected ncb, breakdown etc.... And im on a blackbird.

    Maybe the area you live in is a higher risk and pushing up the price.
    Well, after two attempts to get in contact with Adelaide (and them not returning my calls), I went with Principal (on the last day before my renewal). It is a slightly higher excess, but I'm saving almost that much on the annual insurance premium alone.

    Furthermore, I'm considering upgrading to a VFR12 at the moment. Adelaide were quoting me around €550 per annum, while Principal's quote was just €70 on top of my existing quote (€352 total). Dunno why there's a big difference in premiums. Ever year I've had to haggle with Adelaide, which annoys me greatly. If they'd just given me competitive pricing, I'd still be a customer.


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    #803
    DJDylan106
    Registered Users Posts: 585 ✭✭✭DJDylan106


    Male 17
    Suzuki GZ125 Marauder
    A1 Learner Permit
    1 years NCB.
    Level 2 Skills Assessment.

    Third Party Only:
    Liberty ( Renewal ) - €322.40
    MCE - €1059.54
    Carole Nash - €711.22
    Adelaide - Refuse to quote as under 25yr old.
    Principal - Refuse to quote as will only insure over 21/22 with a few years NCB.

    Happy enough with my renewal with liberty at €322.40 as it was €750.62 last year.


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    #804
    landmarkjohn
    Registered Users Posts: 699 ✭✭✭landmarkjohn


    Male: 49
    NCB: 3 years
    License: Full 25+ years
    Bike: 98 VFR800, factory alarm/immobiliser (value: €2.2k)
    Kept in: brick garage (MCE did ask what garage was made from)

    MCE: €211 TPFT (recovery up to 20 miles from home... not much cop really, 3rd party other bikes.
    Liberty: €231 TPO (recovery no 3rd party other bikes)
    Adelaide: €236 TPFT(no recovery)


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    #805
    Jimmy Bottlehead
    Registered Users Posts: 10,118 ✭✭✭✭Jimmy Bottlehead


    Provisional licence, no experience, 29 years old.
    Honda Super Four, 1994, value 1k.

    Third Party, Fire & Theft

    Liberty 814
    Carole Nash 480
    Principal 385 - winner

    Absolutely delighted with my quote. Thought it'd be far closer to 1k than 400


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    #806
    Mesrine65
    Closed Accounts Posts: 3,969 ✭✭✭Mesrine65


    Jimmy Bottlehead wrote: »
    Provisional licence, no experience, 29 years old.
    Honda Super Four, 1994, value 1k.

    Third Party, Fire & Theft

    Liberty 814
    Carole Nash 480
    Principal 385 - winner

    Absolutely delighted with my quote. Thought it'd be far closer to 1k than 400
    What's the excess?


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    #807
    Jimmy Bottlehead
    Registered Users Posts: 10,118 ✭✭✭✭Jimmy Bottlehead


    Mesrine65 wrote: »
    What's the excess?

    €250


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    #808
    Mesrine65
    Closed Accounts Posts: 3,969 ✭✭✭Mesrine65


    Mesrine65 wrote: »
    What's the excess?
    Jimmy Bottlehead wrote: »
    €250
    Result, nice one ;)


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    #809
    landmarkjohn
    Registered Users Posts: 699 ✭✭✭landmarkjohn


    landmarkjohn wrote: »
    Male: 49
    NCB: 3 years
    License: Full 25+ years
    Bike: 98 VFR800, factory alarm/immobiliser (value: €2.2k)
    Kept in: brick garage (MCE did ask what garage was made from)

    MCE: €211 TPFT (recovery up to 20 miles from home... not much cop really, 3rd party other bikes.
    Liberty: €231 TPO (recovery no 3rd party other bikes)
    Adelaide: €236 TPFT(no recovery)

    I went with MCE but I didn't know about the 20 mile limit, she might have told me on the phone but it was an English call centre and she was talking at a 100MPH.. getting a quote for enhanced recovery service today. There is a 14 day cooling off period so I can cancel with a €39 admin fee.:rolleyes:


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    #810
    goodlad
    Registered Users Posts: 3,222 ✭✭✭goodlad


    Just remove the breakdown cover and buy AA cover


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    #811
    gerrowadat
    Registered Users Posts: 3,363 ✭✭✭gerrowadat


    Turns out adelaide don't cover me for test riding bikes unless the garage has their own insurance. Policy says "permission of the owner, a motorcycle not belonging to him/her", but rang them to make sure and computer says nooooooo.


This discussion has been closed.
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