Motorbike insurance - tell us your quotes

seamus · 17-08-2005 4:48pm #1

I'm trying to get a feel of what everyone else is being quoted for their insurance.

I started off 3.5 years ago with Hibernian, who charged me €2,400 TPO on a Suzuki Marauder 125cc. First renewal - my insurance dropped €200. Second renewal (18 months ago), my insurance *went up* by that same €200 to €2,400. So that year, I switched to Carole Nash, at €1650 TPO. At that time, AON were quoting me similar to Hibernian, being one and the same. My last renewal with CN, my insurance dropped a piddling amount to €1,430 TPO.

Now, I passed my test today, and gave CN a ring. I'm refunded €150. Em, ok.

So as it stands:
Age: 23
Licence: Full
NCB: 3 years
Bike: Honda Varadero 125 (Group 2).

Carole Nash: €1,270 TPO
AON/Axa: €568 TPO (I rang them today - Fully comp is *still cheaper* than the above CN price).

Has anyone else been getting quotes this good from Aon?

dawballz · 17-08-2005 5:26pm

No.
Age: 20
License: Prov
NCB: 1yr
Bike: Honda NSR 125 Restricted (Group 2)

Carole Nash: won't quote me
AON: 1916EUR.

rick_fantastic · 17-08-2005 5:28pm

i pay 400€ full comp on my moped. im 22

Kinetic^ · 17-08-2005 5:35pm

22, Full Licence, 2yrs NCB, Suzuki Burgman 125 - 1700 from AON, couldnt believe when they said it to me. Its bloody awful how much bike insurance is but the risks are also high so its kind of understandable

Angry_Man · 17-08-2005 5:41pm

Had to sell my CBR250R (Group 5), as couldn't afford the 3k Hibernian were looking for last year.

Got a NSR80 6 months ago (pathetic and common as muck, i know, but just about affordable) to get me round the place...

So....
Age: 22
NCB: 4 years
Licence: Full A

CN: €1463 TPO (what an odd number???)
AON: €900 TPO

Given that TPO doesn't cover injury to me, can somebody please explain to me how I can do that much third party damage on an NSR80?

Keyser Soze 69 wrote:

Its bloody awful how much bike insurance is but the risks are also high so its kind of understandable

KS, I assume that 1700 is TPO? If so then high risk to you shouldn't come into it. It's supposed to be representitive of the damage you could do to a third party...

unklerosco · 17-08-2005 5:44pm

24, full b licence.. Quote on a 50cc moped CN=€1150 AON=€550 Looking for one of those 125 mopeds so i can use it on the M50, new to this game so i've a lot of reading to do(aswell as learning)

dawballz · 17-08-2005 5:44pm

Fúck you're getting raped almost as much as me.

Angry_Man · 17-08-2005 5:47pm

unklerosco wrote:

Quote on a 50cc moped CN=€1150 AON=€550

Yeah, a lot of my friends are getting quotes from AON that are half of the CN quote for the same bike....

Kinetic^ · 17-08-2005 5:48pm

Angry_Man wrote:

KS, I assume that 1700 is TPO? If so then high risk to you shouldn't come into it. It's supposed to be representitive of the damage you could do to a third party...

Yeah it is only TPO, CN were 200 more expensive though.

Angry_Man · 17-08-2005 5:51pm

Keyser Soze 69 wrote:

Yeah it is only TPO, CN were 200 more expensive though.

Not suprised, I've never heard of anyone getting a cheaper quote from CN than they did from AON...

omb0wyn5ehpij9 · 17-08-2005 9:56pm

21
Male
4 years no claims
Full licence
Living in Dublin
Last renewal i was on a cbr250, AON wanted €2000ish, Nash wanted €2300
Was planning on getting a SV650S at the time, AON wanted €7000, Nash wanted €2500

So i went with Nash and when i got my SV last week just changed the bike on my policy

All the quotes were TPO

Hotblack Desiato · 17-08-2005 10:45pm

Angry_Man wrote:

Given that TPO doesn't cover injury to me, can somebody please explain to me how I can do that much third party damage on an NSR80?

Pillions

Not suprised, I've never heard of anyone getting a cheaper quote from CN than they did from AON...

Seems to vary a lot from person to person.
I've been with CN for the last 7 years or so and every year since I've checked Hibernian when renewing. Hibernian were always at least 40% dearer for me. Last year they wanted more for TPO than CN wanted for TPFT. Go figure. I know people who had exactly the same thing, only with CN consistently dearer.

MrPudding · 17-08-2005 11:00pm

I really want to start riding a bike. Looking at a BMW F650GS.

32 year old male living in Dublin.
Provisional License (almost)
CN €2300ish fully comp.
AON €1500ish fully comp.

Not bad considering.

MrP

crazymonkey · 18-08-2005 12:57am

My last insurance age 25, 2 yrs ncb, nsr125 full power E600 with full licence, with CN,, Suzuki Sv s650 was E812

seamus · 18-08-2005 9:11am

MrPudding wrote:

I really want to start riding a bike. Looking at a BMW F650GS.

32 year old male living in Dublin.
Provisional License (almost)
CN €2300ish fully comp.
AON €1500ish fully comp.

Not bad considering.

MrP

That's a pretty good price with AON. Should shoot down with 1st year's NCB and/or full licence.

Angry_Man · 18-08-2005 11:23am

ninja900 wrote:

Pillions

Yeah, true, that makes sense... Not that I'd be going anywhere fast 2 up on an NSR80, unless it was downhill

BrynW wrote:

Last renewal i was on a cbr250, AON wanted €2000ish, Nash wanted €2300

Hmm, I got quoted €3000ish by Hibernian & AON six months ago for my cbr250R, broke my heart cause I just couldn't afford it....

a_ominous · 18-08-2005 3:29pm

Age: 30s
Licence: Full
NCB: 3 years
Bike: Yamaha FJR1300 (CN group 14)
RoSPA bronze (extra 20% discount)
MAG discount 10%

Carole Nash: €1500 FC
AON/Axa: €1600 FC

My old bike, a group 7 was going to cost about 1000 with CN and I wanted to get something bigger. Any of the 600s I looked at (Fazer, Hornet) were going to cost the same to insure as the FJR. That's mad Ted, this thing has >140BHP and is capable of 150mph.

Hotblack Desiato · 19-08-2005 1:12am

Age 34, full licence 9 years, NCB 10 years, Rospa silver (10% discount), MAG discount.

Bike: Kawasaki GPz900R

Last year it was 780 euro TPFT (CN). This year it qualifies for classic insurance (15 years old) so it went down to 360

I just bought a Triumph Trophy 900 today though which isn't classic yet, so my premium will now shoot back up to what it was, if not more... ah well!

madrab · 19-08-2005 9:01am

23, full licence, 4 yr no claim
1996 transalp, 600cc
E3000 tpo from hibernian
E1600 tpo from carole nash

guess which one i went for?

murphaph · 19-08-2005 12:54pm

26, M, D15.

Provisional, 0 NCB.

1982 Suzuki GSX250e.

€965 TPO (CN).

Luckily my house insurance all risks will cover F&T on this bike a it's only valued at around €650!

From my many calls to Aon & CN getting quotes for allsorts of bikes under the 33HP and over the 125cc (For the A licence) the bike I bought was the cheapest. Aon wanted €1400 for the same bike. I believe CN prefer older riders and certainly prefer older bikes, for example CN wanted €1200 for an 88 Virago 250cc but €1700 for a 00 of the same bike! And that was TPO? (woman said the higher premium was because the bike, being newer was mre likely to be robbed and crashed by the thief, resulting in a 3rd party claim from the poor unfortunate the scumbag crashes into-very annoying as I wanted a 00 Virago but wasn't prepared to fork out that much insurance for a learner bike).

Sesshoumaru · 19-08-2005 2:46pm

Licence: Provisional A
Age: 25
NCB: 0
Bike: CBR250

Aon:1400 TPO
CN: 1700 TPO

sutty · 19-08-2005 3:45pm

Licence: Provisional A (2nd)
Age: 24
NCB: 3
Bike: Yamaha XVS250

Aon:1700 TPO
CN: 1790 TPO

Thouse where my last insuance quoats. (From meath *cough*)
I rang Aon during the summer to get an idea on how much I'd need come November. I was told 1,400 on my prov... Looking into getting my full at the moment but want to wait till I am sorted for my car one as well (learing to drive at the mo) As my work will write a little for both of them.

j@utis · 20-08-2005 12:17pm

Licence: Provisional A (1st)
Age: 25
Sex: F
NCB: 0
Bike: gonna be Honda NSR125R (has anybody seen it for sale smwh? :rolleyes: )

AON: 650 TPO

CN: 1143 TPO :eek:

Wanton · 20-08-2005 2:47pm

just got quoted, going to wait till next year because of it.

licence : prov a
age: 24
ncb : 0 ncb
cbr 250

aon - €2056 tpft (dropping to as little as €1400 if i do lessons with an approved instructor)

was told if i was 25 it would have been €900 without lessons. so gonna wait the extra 6 months

madrab · 20-08-2005 7:10pm

j@utis wrote:

Licence: Provisional A (1st)
Age: 25
Sex: F
NCB: 0
Bike: gonna be Honda NSR125R (has anybody seen it for sale smwh? :rolleyes: )

AON: 650 TPO
CN: 1143 TPO :eek:

thats cheap for a group 7 bike

sutty · 20-08-2005 8:06pm

madrab wrote:

thats cheap for a group 7 bike

is an NSR125R a group 7 bike? I'm taking it she means to get a restricted one of course.

j@utis · 20-08-2005 11:24pm

sutty is right - NSR125R-estricted, group2

MrPudding · 21-08-2005 12:29am

seamus wrote:

That's a pretty good price with AON. Should shoot down with 1st year's NCB and/or full licence.

Yeah, I thought it was OK. I want to do the ROSPA training first. Also need to persuade the GF that I really need the bike.:D

MrP

Kinetic^ · 21-08-2005 10:52pm

MrPudding wrote:

I want to do the ROSPA training first.MrP

A little off topic here but has anyone done the training and how was it??

Eye · 22-08-2005 6:20pm

good god, having read through the thread so far i must be the only one getting a good deal (if you could call it that) from carole nash

Gender: Male
Age: 24
Location: South Tipperary
Licence: Provisional A
NCB: 6 years
Bike: Yamaha Dragstar XVS650 (group 5 afaik)

Aon wanted just over €1420 for third party
Carole Nash covered me for €1030 so i stayed with them as i have done for the past few years

Garibaldi · 23-08-2005 10:54am

Carole Nash have also been good to me this year (Changed to them from Aon)

Gender: Male
Age: 33
Location: Dublin
Licence: Full
NCB: 5 years
Bike: BMW R1150GS (Group 11, I think)

CN: €1149
Aon: €1300, dropped to €1250 once I mentioned the CN quote, but they refused to drop any further, stating that CN didn't have the same risk pool blah blah blah.

cranoo · 23-08-2005 5:47pm

Company: CN
male: 40
Ncb : 3yrs
Location:wicklow
Bikes: Kawasaki VN 1500 for the Rallies

suzuki gs500e for the Hack to work
Tpft: E480

madrab · 23-08-2005 7:56pm

Eye wrote:

good god, having read through the thread so far i must be the only one getting a good deal (if you could call it that) from carole nash

Gender: Male
Age: 24
Location: South Tipperary
Licence: Provisional A
NCB: 6 years
Bike: Yamaha Dragstar XVS650 (group 5 afaik)

Aon wanted just over €1420 for third party
Carole Nash covered me for €1030 so i stayed with them as i have done for the past few years

last year on my bros (400cc group 5) i was paying €833 tpo from hibernian

Krusty_Clown · 23-08-2005 11:01pm

Garibaldi wrote:

Carole Nash have also been good to me this year (Changed to them from Aon)

Gender: Male
Age: 33
Location: Dublin
Licence: Full
NCB: 5 years
Bike: BMW R1150GS (Group 11, I think)

CN: €1149
Aon: €1300, dropped to €1250 once I mentioned the CN quote, but they refused to drop any further, stating that CN didn't have the same risk pool blah blah blah.

Jesus, they must make it up as they go along...
I'm the same stats as you, with a 1200GS, my AON premium is about the same as your quote (~1,350), but get this, CN were quoting me more than 2K. Mad. Even Hibernian were offering comp at 1.7K.

Gender: Male
Age: 33
Location: Dublin
Licence: Full + 2 points
NCB: 5 years
Bike: 2005 BMW R1200GS
Insurance: Fully comp
CN: 2K+
AON: 1,350
Hib (now dead): 1,750

Tomohawk · 24-08-2005 10:44am

Gender: Male
Age: 37
Location: Dublin
Licence: Full A
NCB: 2 years
Bike: Vespa PX 200 (x2)
Garaged

CN: 565 TPO for my two black beauties.
AON: tbc

Garibaldi · 24-08-2005 11:34am

They really do seem to just pull numbers out of their collective ass, alright. That said, when I mentioned to them that I was considering trading up to the 1200 and wanted a quote, I could practically hear the "ch-ching" as the numbers took a severe jump up. My GS is a 2001 (positively ancient :rolleyes: ) and it's a combo of age of machine plus the maximum power output that (they said) determined the bulk of the premium. Some minor changes for alarm, garaged, which way the wind is blowing at the time you call etc. To paraphrase Tom Arnold: Insurers. Can't live with 'em, can't kill 'em.

Krusty_Clown wrote:

Jesus, they must make it up as they go along...
I'm the same stats as you, with a 1200GS, my AON premium is about the same as your quote (~1,350), but get this, CN were quoting me more than 2K. Mad. Even Hibernian were offering comp at 1.7K.

Gender: Male
Age: 33
Location: Dublin
Licence: Full + 2 points
NCB: 5 years
Bike: 2005 BMW R1200GS
Insurance: Fully comp
CN: 2K+
AON: 1,350
Hib (now dead): 1,750

Krusty_Clown · 24-08-2005 11:41am

They did mention that they were trying to do a 'deal' with BMW to reduce premiums for BMW bikes, so I could expect a much lower premium if I give them a call next year.. (Carole Nash - that is)..

Do you post under the same alias on UKGS'er?

Garibaldi · 24-08-2005 1:48pm

Indeed I do. That said, my posts on there have been severely curtailed since some directly related unpleasantness with Joe Duffy.

LegacyUser · 24-08-2005 7:09pm

Licence: Provisional A

Age: 19

NCB: 2

Bike: Honda Varadero 125

Location : Kildare

AON Bike Test passed - 35% discount

Aon: €1150 TPO

CN: Wont insure me

Tomohawk · 01-09-2005 2:07pm

Originally posted by myself

Gender: Male
Age: 37
Location: Dublin
Licence: Full A
NCB: 2 years
Bike: Vespa PX 200 (x2)
Garaged

CN: 565 TPO for my two black beauties.
AON: tbc

AON have given me a price today of 467 TPO

dawballz · 01-09-2005 2:43pm

j@utis wrote:

sutty is right - NSR125R-estricted, group2

That's only if it is year 2002 or newer.
AON wont accept them as restricted unless they're 02 or newer.

j@utis · 03-09-2005 8:23pm

dawballz wrote:

That's only if it is year 2002 or newer.
AON wont accept them as restricted unless they're 02 or newer.

the AON guy spoke about '01 model or newer. feel bit confused now

saobh_ie · 03-09-2005 9:23pm

Gender: Male
Age: 23
Location: Dublin
Licence: Full A
NCB: 1 year
Bike: Suzuki Bandit 600, Group 5

Aon - TPO: 1956 (with 10% discount for training thing) :mad:
Aon - FC: Double it and add a few hundred.

Carole Nash - TPO: 3500 :eek:
Carole Nash - FC: One Million Dollars!!!! Mhuahahaha Mhuahahaha

Mhuahahahaha MhuahahahahaMhuahahahaha
Mhuahahahaharhar *choke*

:mad:

Okay. It's actually pretty good. The Aon quote for this year. I'm on a bigger bike and getting a 1500 euro reduction in my premium.

I still want to burn out thier offices though...

...what, they're insured.

deecom · 04-09-2005 4:24am

Ok somewhat chuffed with my renewal, Ducati Monster 620s, 1238. Thats fully comp. 24, with 5 years NCB.

mickydoomsux · 05-09-2005 12:28am

Gender: Male
Age: 22
Location: Kilkenny
Licence: Provisional A
NCB: 1 year
Bike: Suzuki SV650s, Restricted, New

Aon - TPO: 3006
Aon - FC: : Scared to ask

Carole Nash - : Said i'd need at least 2 years NCB before they'd even consider dealing with me (sounds slightly illegal, refusing to quote me 'n all ,but hey, it's Ireland so what do ya expect?)

Strange thing is that i currently have a CBR125r (piece of **** frankly) an Hibernian where charging me 2650 tpo on that so the Aon price doesn't seem so bad for a much better bike (which is a sad thing to have to say).

On a side note, saobh_ie, would yo be the saobh that used to frequent the CMP forums? Just curious.

Cassiel · 05-09-2005 6:14pm

Gender: Male
Age: 31
Location: Outside Dublin
NCB: 1 year
Bike: 04 Honda CBF600s restricted to 33bhp, honest.

AON: €844 fully comp.
Carole Nash: Never bothered getting a quote this time, never matched AON the previous two years (out quoted by several hundreds).

Last year: Honda CB400sf €540 TPO.

frodi · 05-09-2005 6:50pm

Male, 44 years, 4 years NCB, Full A licence, Dublin
At renewal last May I had a 100cc Neos moped. AON/AXA , €350 for year comp.

2 weeks ago traded up to a '02 CB500 extra €323 from AON. (€400 extra for a full year by my reckoning, €720 odd for full year on CB500)

Rang Carol Nash they quoted €525 TPF&T. They have a new insurer now who will give cover but not for pillions. At this rate I'll be switching next renewal.

Slight aside, has anybody any opinions on this cover without pillions given that all the increases have been blamed on un-insured pillions. Is it legal or what?

saobh_ie · 05-09-2005 7:26pm

Micky, Yeah. =] CBR125. *spits*

At least they're not looking for the price of the bike to insure you TPO.

9000 to go fully comp on a 3500 bike... with a huge excess. Get lost.

I must stroll back over to CMP, see what's happening. I've been hanging out on IBF (link below). Good crowd there, and they're on this Island, check it out.

They don't laugh or wave thier 400 pounds CBR600RR 17 year old with 0 ncb premiums in your faces. "60pounds on an NSR125! I'm being robbed?!?!?"

batman_oh · 05-09-2005 7:35pm

male
24
3 years ncb and full licence
rvf400, apriliars250 and suzuki gsxr600 was 1727 euro this year tpo
not too bad i suppose with 3 bikes

Hotblack Desiato · 07-09-2005 1:07am

frodi wrote:

Rang Carol Nash they quoted €525 TPF&T. They have a new insurer now who will give cover but not for pillions.

Sorry but that's completely untrue. Insurers legally have to cover pillions, even if you're not licensed to carry one. A third party (the pillion) claim has to be paid out even if the rider is breaking the law.

This was brought in by the EU motor insurance directive in the 1990s and was used as an excuse to hike up premiums, we probably would be better off with the old situation where a pillion rode at their own risk, but there you go.

frodi · 07-09-2005 2:37pm

ninja900 wrote:

Sorry but that's completely untrue. Insurers legally have to cover pillions, even if you're not licensed to carry one. A third party (the pillion) claim has to be paid out even if the rider is breaking the law.

This was brought in by the EU motor insurance directive in the 1990s and was used as an excuse to hike up premiums, we probably would be better off with the old situation where a pillion rode at their own risk, but there you go.

Have to say that I thought this a bit suspect but didn't bother following up as I wasn't taking the policy. It seems that CN now have two insurers with one looking to put restrictions in lieu of lower prices. TBH I don't mind as I am v. unlikely to be carrying a pillion at any time. Could be something like if you have a crash with a pillion on board then the policy is void. I'd love to see some legal brains tease it out.

Motorbike insurance - tell us your quotes

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