Motorbike insurance - tell us your quotes/renewals

biko · 07-04-2020 5:47pm

listermint wrote: »

how did this get shifted out of the motorcycle forum? their will be no traffic on it in this forum.. its been in Motorcycles since 2005 !!

There are many Motors subforums; arctics, buses, EVs, motorbikes, tractors, classics, etc
All of them are for motor vehicles and this forum is for insurance for any motor vehicles, also boats and planes.
If you want insurance for a motor vehicle, the insurance forum is where to go.
Hope this helps.

UrbanFret · 07-04-2020 5:49pm

horse7 wrote: »

Only 1800 ,s are free.

I rang principal from my mobile, the call lasted 14 minutes and there was no charge.:D

2012 CBF1000

52 years old
2 yrs NCB
€298 Comprehensive.

CN renewal quote €437
Rang AXA whom both of the above are underwritten by and they quoted me over €700. Got the impression they weren't bothered.

Ago1960 · 07-04-2020 5:59pm

listermint wrote: »

Can you elaborate?

My point was the bike type doesn't seem far off the insurance price.

What's your point rollyeyes Queen

My point Minty is that I have 152 Hyabusa and a 132 Super Tenere 1200 insured with Principal Fully comp, passenger incl. 35K km yearly mileage between 2 motorcycles Renewed 19 March for €419.25. When the renewal came Principal were looking for 441.75. A phone call reduced it to the above.
FYI Male , 48yrs, Dull licence 21 years, No points, Full NCB.

Hotblack Desiato · 07-04-2020 9:20pm

Neither poster mentions where they live, with a relatively high value bike that can have a big effect.

Ago1960 · 08-04-2020 7:37am

Hotblack Desiato wrote: »

Neither poster mentions where they live, with a relatively high value bike that can have a big effect.

Waterford City. Motorcycles are garaged. Both have Meta Alarms fitted.

listermint · 08-04-2020 7:47am

biko wrote: »

There are many Motors subforums; arctics, buses, EVs, motorbikes, tractors, classics, etc
All of them are for motor vehicles and this forum is for insurance for any motor vehicles, also boats and planes.
If you want insurance for a motor vehicle, the insurance forum is where to go.
Hope this helps.

Yes I know there are many subforums. But I've no idea who made the move but you've just opened motorcycle to many new insurance questions. It was fine where it was in our old little motorcycle world. Blanket rule application murders threads.

It's spent 15 years just fine where it was.

Silly decision, il leave it at that.

horse7 · 02-05-2020 4:58pm

Anyone got bike insured with Liberty? Just wondering if it covers you to drive other peoples bikes also. I had the bike with axa (principle) before and it covered me for other bikes(full A)

TheWarChicken · 03-05-2020 6:31pm

18 y/o 1 year on a1 prov, got a2 permit in feb
1 year ncb
Liberty assessment level 3
Yamaha Enticer 125.
€277 with liberty tpo
Compared to last year when it was €1400, that's a pretty big drop, just goes to show how they make up numbers.
Nevertheless I was fairly happy when that came in, I can only imagine what car insurance would be like.

nigeldaniel · 03-05-2020 9:39pm

horse7 wrote: »

Anyone got bike insured with Liberty? Just wondering if it covers you to drive other peoples bikes also. I had the bike with axa (principle) before and it covered me for other bikes(full A)

Liberty are not as good as they used to be. Bike insurance in general here in Ireland is fast becoming a one-trick poney.
I have a policy with liberty but they do not give cover for other bikes unless is comprehensive. It is depending on your track record on bikes they can be different with everyone.

horse7 · 04-05-2020 12:07pm

so is your policy 3rd F &T or what?

horse7 · 06-05-2020 10:45am

horse7 wrote: »

Anyone got bike insured with Liberty? Just wondering if it covers you to drive other peoples bikes also. I had the bike with axa (principle) before and it covered me for other bikes(full A)

Can anyone with a Liberty policy confirm please?

nigeldaniel · 06-05-2020 11:21am

I have a 3rd party F and T cover and I am not allowed anything else this is because I ride a low powered cruiser. If you go on the liberty website and ask on the webchat you will get the best possible advice. Insurance is just very tricky to understand these days I am afraid it does seem as though it's different with everyone. If someone insures a big bike then I expect cover would be extended to cover similar bikes. once you have two or three years no claims this would also help I would think.

The QuietMan · 18-05-2020 3:23pm

Just received my renewal quote,

AXA €658 Fully Comprehensive.

Bikes:

2011 DL650
1999 Fireblade 900
2002 Hayabusa 1300
2002 MBK Nitro Jaguar 50cc

Aged mid 30's
Full licence since January 2019
NCD 2 Years
Rider Assessment Level 2 (Highest).

The best they can do for me is €650
Needless to say i am disgusted.

Renewal last year was €480 from Principal, AXA quoted €365 so went with them for the DL & Jaguar.
Added the Blade in January for €250 extra, added the busa last month for €30 extra.

All bikes have trackers fitted bar the scooter.

I'm heading for CN as Principal can't cover all bikes on the one policy.
CN previously quoted €513, i need to see if it is still valid.

Edit:

Principal quoted €836 on the 3 big bikes.

As for AXA, i renewed my policy with them for my car on May 1st at a cost of €680, my wife took out a policy with them on the same date for €950

horse7 · 18-05-2020 9:22pm

Has anyone got a rebate from their insurance company due to the Corona crisis?

The QuietMan · 18-05-2020 9:55pm

horse7 wrote: »

Has anyone got a rebate from their insurance company due to the Corona crisis?

Nothing for car or bike

IJS84 · 19-05-2020 12:12am

horse7 wrote: »

Has anyone got a rebate from their insurance company due to the Corona crisis?

I emailed CN at the end of April asking the same.

I got this response I just left out personal information

"

We are actively working with our insurers on the issues of premium rebates and suspension of cover. Once the Insurers confirm their stance on these, we will be making announcements to all of our customers.

Kind regards"

The QuietMan · 19-05-2020 11:40am

Carole Nash quoted €560 Fully Comprehensive for all 4 bikes, €90 cheaper than AXA, would people move for the sake of €90 or stay? I've seen a few horror stories about CN on Facebook in the last 24 hours.

The QuietMan wrote: »

Just received my renewal quote,

AXA €658 Fully Comprehensive.

Bikes:

2011 DL650
1999 Fireblade 900
2002 Hayabusa 1300
2002 MBK Nitro Jaguar 50cc

Aged mid 30's
Full licence since January 2019
NCD 2 Years
Rider Assessment Level 2 (Highest).

The best they can do for me is €650
Needless to say i am disgusted.

Renewal last year was €480 from Principal, AXA quoted €365 so went with them for the DL & Jaguar.
Added the Blade in January for €250 extra, added the busa last month for €30 extra.

All bikes have trackers fitted bar the scooter.

I'm heading for CN as Principal can't cover all bikes on the one policy.
CN previously quoted €513, i need to see if it is still valid.

Edit:

Principal quoted €836 on the 3 big bikes.

As for AXA, i renewed my policy with them for my car on May 1st at a cost of €680, my wife took out a policy with them on the same date for €950

galwaytt · 19-05-2020 11:49am

The QuietMan wrote: »

Carole Nash quoted €560 Fully Comprehensive for all 4 bikes, €90 cheaper than AXA, would people move for the sake of €90 or stay? I've seen a few horror stories about CN on Facebook in the last 24 hours.

Well I have a personal (bike insurance) AXA story that would see me go anywhere on principal else just to not do business with them.

And whilst I'd always prefer to pay less, I don't see why you are 'disgusted' with a quote for 4 bikes - 2 of which are rocketships tbh - whilst you have no problem with paying them €680 + €950 for two cars. And I'm going on the premise that those cars would be rather more ....'sedate' than a 'Busa.

#Justsayin.....

Fwiw, 3 bikes here, full comp with C-N for €374.

bladespin · 19-05-2020 11:57am

Just renewed with CN - yes, I've heard stuff but I've been with them a few years and find them brilliant tbh.

344 FC 75 excess
95 Fireblade and ZXR750
Mid 40s, full licence 25+years, full NCB (protected), legal, gear and personal accident.

It's acutally up a tiny bit on last year (though excess has dropped down a chunk), happy out.

The QuietMan · 19-05-2020 2:02pm

galwaytt wrote: »

Well I have a personal (bike insurance) AXA story that would see me go anywhere on principal else just to not do business with them.

And whilst I'd always prefer to pay less, I don't see why you are 'disgusted' with a quote for 4 bikes - 2 of which are rocketships tbh - whilst you have no problem with paying them €680 + €950 for two cars. And I'm going on the premise that those cars would be rather more ....'sedate' than a 'Busa.

#Justsayin.....

Fwiw, 3 bikes here, full comp with C-N for €374.

To clarify, i was 'disgusted' due to the fact that the full discounts weren't applied. Yes 2 are rocketships i very much like

The €680 for me is with all the coverage under the sun on a 7 seater car worth over 20 grand.

The €950 is also on a 7 seater car in which the policyholder, i.e my better half, is on a learner permit, so no qualms on that, they dropped the prices a good bit to be fair.

That's not bad at all for 3 bikes.

The QuietMan · 19-05-2020 2:05pm

bladespin wrote: »

Just renewed with CN - yes, I've heard stuff but I've been with them a few years and find them brilliant tbh.

344 FC 75 excess
95 Fireblade and ZXR750
Mid 40s, full licence 25+years, full NCB (protected), legal, gear and personal accident.

It's acutally up a tiny bit on last year (though excess has dropped down a chunk), happy out.

Did you haggle the renewal quote or just take it? If you have plenty of experience of them and are happy with it then as the saying goes, if it ain't broken don't fix it.

I got back in touch with AXA again and requested that the underwriter reviews the quote, they did thankfully and it has been revised down to €550 with all the bells and whistles, i'm content with that.

Which is your favourite of the 2 bikes

bladespin · 19-05-2020 3:55pm

The QuietMan wrote: »

Did you haggle the renewal quote or just take it? If you have plenty of experience of them and are happy with it then as the saying goes, if it ain't broken don't fix it.

I got back in touch with AXA again and requested that the underwriter reviews the quote, they did thankfully and it has been revised down to €550 with all the bells and whistles, i'm content with that.

Which is your favourite of the 2 bikes

Nice one.

I questioned the initial quote/renewal as it was up €14 but they explained they had changes companies and that the excess was way down (I had missed that tbh), I was happy with that so just took it, I might have been able to save a little though doubt it would've been worth the hassle as I don't think it could go much lower (the package as a whole is excellent, would have to go looking for separate quotes etc).

Favourite: The blade every time (bar looks maybe - the ZXR hasn't been betterd in that dept for me anyway), the kwacker was my dream bike as a kid so when the chance came along... Left it sitting for years so covid project is to restore it to something reasonably nice.

The QuietMan · 20-05-2020 12:31pm

bladespin wrote: »

Nice one.

I questioned the initial quote/renewal as it was up €14 but they explained they had changes companies and that the excess was way down (I had missed that tbh), I was happy with that so just took it, I might have been able to save a little though doubt it would've been worth the hassle as I don't think it could go much lower (the package as a whole is excellent, would have to go looking for separate quotes etc).

Favourite: The blade every time (bar looks maybe - the ZXR hasn't been betterd in that dept for me anyway), the kwacker was my dream bike as a kid so when the chance came along... Left it sitting for years so covid project is to restore it to something reasonably nice.

In those circumstances €14 is fair enough. Once you’re happy with the package as a whole is the important part.

So blade performance with kwacker looks if possible? :pac:

Best thing about this covid stuff is projects getting done

bladespin · 20-05-2020 1:01pm

The QuietMan wrote: »

In those circumstances €14 is fair enough. Once you’re happy with the package as a whole is the important part.

So blade performance with kwacker looks if possible? :pac:

Best thing about this covid stuff is projects getting done

Oh yes please, Honda finish would be good too, the standard Kawasaki fixings are a bit, well sh1te really lol.

Yep, the Z was bought as a project nearly 12 years ago, was right on the verge of finishing it out when the first baby arrived and then sadly and to my shame was left to sit, awful really as it was such a great bike.

Henry Ford III · 28-05-2020 3:55pm

Is there such a thing as classic bike insurance? I've a classic car, and a normal car. Can't add a bike to the classic car policy (First Ireland).

Limited miles wouldn't be an issue.

The QuietMan · 28-05-2020 4:34pm

Henry Ford III wrote: »

Is there such a thing as classic bike insurance? I've a classic car, and a normal car. Can't add a bike to the classic car policy (First Ireland).

Limited miles wouldn't be an issue.

There was, according to AXA with whom I’m insured and in turn who dominate the market, have said no longer. My blade would qualify if it still existed apparently.

Henry Ford III · 28-05-2020 4:52pm

The QuietMan wrote: »

There was, according to AXA with whom I’m insured and in turn who dominate the market, have said no longer. My blade would qualify if it still existed apparently.

Carole Nash claim to offer it.

The QuietMan · 28-05-2020 6:43pm

Henry Ford III wrote: »

Carole Nash claim to offer it.

Contacted them earlier about it, they wouldn’t admit it but did shave another €40 off my quote. €521 comprehensive for 4 bikes, I dig that

The QuietMan · 29-05-2020 6:11pm

The ping pong game on d insurance renewal ended today, thank god. AXA on all 4 bikes €500 fully comp. I paid it on the spot.

micknail · 06-06-2020 9:01pm

Age 32
Licence: Full A 2 years
NCD: 2
Penalty points: 1
Bike: Yam XJ6-F
Area: Waterford
Use: Commuting

TPFT with CN was 520, with Principal 320.

Last year with Liberty was 350.

Does the liberty online calc actually work for anyone anymore?

Acquiescence · 06-06-2020 9:40pm

micknail wrote: »

Does the liberty online calc actually work for anyone anymore?

It's agreeable to the concept of offering a policy if I lie to it in a very specific manner.

micknail · 06-06-2020 10:05pm

Acquiescence wrote: »

It's agreeable to the concept of offering a policy if I lie to it in a very specific manner.

Amen!

fr.jack09 · 08-06-2020 1:06pm

Liberty are giving small refunds on car insurance. Might apply to bikes too, I only have the car. https://libertyrelief.ie/auth?ReturnUrl=%2F

galwaytt · 12-06-2020 3:04pm

fr.jack09 wrote: »

Liberty are giving small refunds on car insurance. Might apply to bikes too, I only have the car. https://libertyrelief.ie/auth?ReturnUrl=%2F

They are, my son got €25 on his 125cc insurance.

Henry Ford III · 16-06-2020 7:50pm

Principal offered me TPFT for €226 on an SV650, with zero NCB. Thought that was decent. Model risk, rural location, and a bit mature in years

micknail · 17-06-2020 9:36am

Henry Ford III wrote: »

Principal offered me TPFT for €226 on an SV650, with zero NCB. Thought that was decent. Model risk, rural location, and a bit mature in years

Yeah from the bill breakdown they sent me for the quote,
they seem to have €100 quid of a broker fee to play around with,
so defo worth squeezing them a bit for your saving.

tico1300 · 17-06-2020 9:53am

Male, 45 hayabusa, full ncb and Full licence
fully comp for €317 With principal

Hotblack Desiato · 17-06-2020 6:26pm

Got renewal notice with CN, age 49, Dublin, full licence and NCB 20+ years, 320 fully comp on an SV1000 including breakdown and legal cover.
45-50 more than last year on the Triumph Sprint ST. Not too bad I suppose as it's a higher group bike.

Breakdown cover alone is nearly 60 euro, any cheaper options out there?

Broker fee up again a few euro this year too, about 87!

Emmersonn · 18-06-2020 7:27am

Try Principal. FJR and Super Tenere Very Mature Rider. Pillion cover. Unlimited mileage. Breakdown & Legal cover Full NCB (20 + yrs) €380.00 €20. less than last year.

galwaytt · 18-06-2020 8:42am

Hotblack Desiato wrote: »

Got renewal notice with CN, age 49, Dublin, full licence and NCB 20+ years, 320 fully comp on an SV1000 including breakdown and legal cover.
45-50 more than last year on the Triumph Sprint ST. Not too bad I suppose as it's a higher group bike.

Breakdown cover alone is nearly 60 euro, any cheaper options out there?

Broker fee up again a few euro this year too, about 87!

They won't let you remove the breakdown cover, so no point in buying 2nd cover imho.

It's the same guy with the same van/truck that'll turn up anyway.

Sn@kebite · 13-07-2020 4:42pm

Last insured on 250 YBR learner permit for €359 3rd party. MCE wont insure learners now.

Anyone ideas on a good reliable insurer for a learner permit (male 30s) for a 250 YBR? Or a multi-quote website i can bash my details into. I was last rising 2014 so it's different now.

I'd pay more for no hassle with the company.

TheWarChicken · 13-07-2020 5:42pm

Seconded here, 18yo A2 leaner permit, can't insure any 250's at all. Liberty won't do it, Carole Nash said that they will only offer fully comp cover to under 25's, which would cost €3k, so yeah nah. I think AXA is the same, didn't try principle as they won't give credit to under 21s.

Practical upshot was that despite having gotten quotes on bikes a month before I sold mine, they changed their policy while I was selling it, only to discover that I couldn't actually get cover about 20 minutes before I was going to meet the seller. So I had to buy another 125, and Liberty now has the balls to tell me that the new 125 is €5 more expensive per month, even though both bikes are single cylinder air cooled cruisers.

Sn@kebite · 13-07-2020 6:24pm

TheWarChicken wrote: »

Seconded here, 18yo A2 leaner permit, can't insure any 250's at all. Liberty won't do it, Carole Nash said that they will only offer fully comp cover to under 25's, which would cost €3k, so yeah nah. I think AXA is the same, didn't try principle as they won't give credit to under 21s.

Practical upshot was that despite having gotten quotes on bikes a month before I sold mine, they changed their policy while I was selling it, only to discover that I couldn't actually get cover about 20 minutes before I was going to meet the seller. So I had to buy another 125, and Liberty now has the balls to tell me that the new 125 is €5 more expensive per month, even though both bikes are single cylinder air cooled cruisers.

It's getting to the stage I give up the bike again and buy a car. I have a full license for a car but I wasn't ready to give up bikes yet.

nigeldaniel · 14-07-2020 1:57pm

Good grief the insurance situation seems to be going out the door. What are newbies expected to do? If there were more bike schools in operation full time that would help with getting the test and licence sorted.

Hotblack Desiato · 14-07-2020 3:50pm

Hotblack Desiato wrote: »

Got renewal notice with CN, age 49, Dublin, full licence and NCB 20+ years, 320 fully comp on an SV1000 including breakdown and legal cover.

Gave Principle a ring, they quoted me 279, so got back to CN and they knocked it down to 276

Ironically all three quotes were underwritten by Axa. The actual policy cost with CN didn't change, they just knocked down their broker fee - originally €87 which was a bit ridiculous.

No talk of any refunds of premiums due to lockdown... we got 30 quid back off Allianz on the wife's car, whoop de doo...

Acquiescence · 14-07-2020 7:59pm

Hotblack Desiato wrote: »

No talk of any refunds of premiums due to lockdown... we got 30 quid back off Allianz on the wife's car, whoop de doo...

I got a cheque for €30 back from Principal a few weeks ago.

macplaxton · 16-07-2020 5:28am

Bike: 1999 BMW R1100RT
Broker: Carole Nash
Underwriter: Axa Broker
Age: 46
Licence: Full / 26 yrs
NCD: 4yr
Excess (compulsory/voluntary): €75 / €0
Cover: TPF&T inc commuting, pillion cover
Mileage: 12k
Benefits: Legal and breakdown
Renewal price: €258.26
(Previous year: €234.78)

Underwriter has changed from Ageas to Axa. Compulsory excess reduced from €200 to €75.

After a moan on the phone to remove an out-of-date non-fault accident (June 2015/car) and lower estimated mileage for next year to 8k the random number generator came up with €229.25 (€29.01 saving)

Sn@kebite · 17-07-2020 5:17pm

TheWarChicken wrote: »

Seconded here, 18yo A2 leaner permit, can't insure any 250's at all. Liberty won't do it, Carole Nash said that they will only offer fully comp cover to under 25's, which would cost €3k, so yeah nah. I think AXA is the same, didn't try principle as they won't give credit to under 21s.

Practical upshot was that despite having gotten quotes on bikes a month before I sold mine, they changed their policy while I was selling it, only to discover that I couldn't actually get cover about 20 minutes before I was going to meet the seller. So I had to buy another 125, and Liberty now has the balls to tell me that the new 125 is €5 more expensive per month, even though both bikes are single cylinder air cooled cruisers.

Did you get sorted yet?

CaroleNash offered 405 (3rd +F+T) for a 3rd learner permit (82EUR was the broker fee). The issue is he wanted by IBT cert which I don't have as i gave it in to tax office in 2013 for my 1st learner permit. He was confused as I was at whether I need to do it again. I went to NDLS to get my 3rd permit after my 2nd expired in 2015. They renewed my permit once i proved i paid for a test. So afaik once you get your permit you are licensed as a learner, I'm really not sure what the agent was talking about as the IBT is what gets you a learner permit.

The odd thing is I've not been asked for an IBT cert by an insurance company/broker before, as it is for the NDLS you have done the 16hrs training. If Ive to do it again I might ditch biking, I just can't afford 500EUR to train again. :mad:

I will ring axa Monday to see can they beat CN as they were brokering for Axa anyway...

IrishGrimReaper · 17-07-2020 10:13pm

I don't know what way it was done in 2013 lol but the IBT cert does not get you a learner permit today it's the other way round. You can't do your IBT without having a valid learner permit in the first place. The instructor will need to see it before letting you on the bike.

You will need to contact your instructor to see if he still has a record of the permit and perhaps can send you a picture or contact the RSA and give them your driver number. The IBT should have been logged by your instructor with them as completed.

TheWarChicken · 18-07-2020 2:42pm

Yeah, I just paid them the extra fiver, I'm not happy about it, but I don't really have a whole lot of choice in the matter as I have a cert done with Liberty worth 25% of my premium. I kind of have to stay on the bikes because there's no way I could afford a car because of insurance, tax and petrol. I absolutely understand where you're coming from, it's getting incredibly difficult to get on the road in any capacity and it's very concerning living in an area with limited public transport.

Motorbike insurance - tell us your quotes/renewals

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