Motorbike insurance - tell us your quotes/renewals

howardmarks · 19-01-2020 12:04pm

37 new learner permit
0 experience
€665 with liberty on a brand new Suzuki gsx s 125cc Tpft
Carol Nash wanted €785

John2451 · 20-01-2020 8:39pm

smcm01 wrote: »

I'm 22 years old with a learner permit.

I've been quoted 3k from Principal TPFT for a 2016 Yamaha YBR 125.

Liberty wouldn't even quote me as apparently the YBR falls outside of their 'learner criteria'. They said I'd have to have a full license for at least 3 years before they'd cover me on the YBR.

What should I do? 3k is obscene. Any advice would be greatly appreciated.

Ridiculous considering my first quote was with liberty €457 TPFT 09 YBR 125 learner permit back in September 2018 I was 23 at the time.

Mjolnir · 20-01-2020 8:57pm

howardmarks wrote: »

37 new learner permit
0 experience
€665 with liberty on a brand new Suzuki gsx s 125cc Tpft
Carol Nash wanted €785

I pay less than that on my cbr600 even when I had 0ncb that's shocking

nigeldaniel · 21-01-2020 10:35am

Reading through the posts here I am bewildered by the difference between the quotes people get. I know location and type of licence is a factor but its still a head scratch for me.

Nerro · 21-01-2020 10:52am

Mjolnir wrote: »

I pay less than that on my cbr600 even when I had 0ncb that's shocking

Couldn’t even get a quote on it with 0 experience

fr.jack09 · 21-01-2020 9:37pm

Was looking at a blackbird for the next bike. Can't get quotes til I have the full licence for a year min which is a few months away. Anyone here go to a 1000cc sports bike or something similar soon after a full licence? Will it be much of a jump in insurance?
Would like to know what to expect and only liberty do online quotes and they seem to be the highest quote.

smcm01 · 22-01-2020 4:09pm

John2451 wrote: »

Ridiculous considering my first quote was with liberty €457 TPFT 09 YBR 125 learner permit back in September 2018 I was 23 at the time.

Christ - that hurts!

07-02-2020 12:41pm

Just got my renewal quote.

41 years old
Full licence something like 15 years
4 years NCB
2019 CB500X
€622 fully comp with Principal.

Seems steep to me, gonna shop around.

Philipx · 07-02-2020 9:35pm

Renewed with Principal couple of weeks ago.

2015 FJR
Full Licence
Full NCB
56

€266 full comp with usual add ons

Carol Nash came fairly close after a bit of back & forth, so not worth while changing.

fenris · 11-02-2020 11:15am

Age 50
2012 Yamaha XT1200z
Full license
Full NCB

Carol Nash fully comp +Breakdown and legal - gone up from €335 last year to €425 plus a sneaky increase on my excess to €350

So the very definition of paying more for less

BaronVon · 11-02-2020 9:13pm

Age 41
Honda VFR800
2 years NCB
Parked on driveway

Carole Nash €352
Liberty €345
Principal €384

Went with Carole Nash, as I was with them originally. They quoted over €900 initially :eek:
Asked them to match Liberty, and they got close enough!

Nordydave · 18-02-2020 11:17am

Just checked Liberty for my renewal next month - €1098 fully comp. Any tips on how to get it down outside the usual shopping around?

2019 Triumph Bobber Black
Full Irish licence
1 years NCB
Garaged
33 y/o

I put my licence as 1 year and 15 years on the online quote - I've had my full bike category A for 1 year this month but my licence for 15 years - It made no difference to price but I assume I should put in 1 year? The question wasn't worded very well.

galwaytt · 18-02-2020 1:43pm

howardmarks wrote: »

37 new learner permit
0 experience
€665 with liberty on a brand new Suzuki gsx s 125cc Tpft
Carol Nash wanted €785

I've found C-N no good for first timers. My SO at 40-something :rolleyes:, got an SV650S for about €370 from Liberty. My young 16 yr old on learner permit on his 125 is €1085, so I'd have expected you could do better.

Mjolnir · 19-02-2020 10:32am

Nordydave wrote: »

Just checked Liberty for my renewal next month - €1098 fully comp. Any tips on how to get it down outside the usual shopping around?

2019 Triumph Bobber Black
Full Irish licence
1 years NCB
Garaged
33 y/o

I put my licence as 1 year and 15 years on the online quote - I've had my full bike category A for 1 year this month but my licence for 15 years - It made no difference to price but I assume I should put in 1 year? The question wasn't worded very well.

Its asking for the peroid of time you have had your current licence so if you got it say 17/02/19 then you put 1 year, if you got it 17/02/15 5 years,
The length of time you've been driving generally has little bearing.
Years licence held and ncb are main factors

punisher5112 · 19-02-2020 10:36am

Mjolnir wrote: »

Its asking for the peroid of time you have had your current licence so if you got it say 17/02/19 then you put 1 year, if you got it 17/02/15 5 years,
The length of time you've been driving generally has little bearing.
Years licence held and ncb are main factors

But that would be lie, it's how long you hold a full licence for the category your looking to insure on....

So it will be 1 year when they renew but zero if it isn't a full 12 months.

Mjolnir · 25-02-2020 6:11am

punisher5112 wrote: »

But that would be lie, it's how long you hold a full licence for the category your looking to insure on....

So it will be 1 year when they renew but zero if it isn't a full 12 months.

Seeing as on the 19th I used the 17th as an example, no it most definitely isn't wrong. 17/2/2019 - 19/2/2020 is over a year. 17/2/2015 - 19/2/2020 is five.
That would be a year or five as quoted.
At no point did I mention under 12 months.
Brush up on the aul reading comprehension before calling someone wrong : )

Nabidana · 25-03-2020 12:43am

Nerro wrote: »

Yes it is, and following previous posters advice of keeping at insurance category 12 so far didn’t had any issues getting quotes. In any case will update with what i get cost wise.

Hey Nerro.

How did you fare out in the end?

25-03-2020 2:35pm

Basil3 wrote: »

Just got my renewal quote.

41 years old
Full licence something like 15 years
4 years NCB
2019 CB500X
€622 fully comp with Principal.

Seems steep to me, gonna shop around.

In the end, switched to Liberty after years with Principal. Principal wouldn't budge on their quote.

€533 fully comp.

horse7 · 25-03-2020 2:51pm

Think Liberty are offering 20% off at the moment.

galwaytt · 27-03-2020 10:26am

got my renewal in the last week - CN, up from €373 to €518.

53, 34 yrs experience , no claims, no points, RoSPA 3 times over.....

I see people in the UK paying less than £100 for what I have...

Taylor365 · 27-03-2020 7:31pm

galwaytt wrote: »

got my renewal in the last week - CN, up from €373 to €518.

53, 34 yrs experience , no claims, no points, RoSPA 3 times over.....

I see people in the UK paying less than £100 for what I have...

Who do we have to kill?

Blondie919 · 29-03-2020 10:23pm

galwaytt wrote: »

got my renewal in the last week - CN, up from €373 to €518.

53, 34 yrs experience , no claims, no points, RoSPA 3 times over.....

I see people in the UK paying less than £100 for what I have...

Give Principle a call?

Blondie919 · 29-03-2020 10:37pm

CN wanted me to renew at €321, fully comp (last year was €280) so I rang Principle. They gave me a quote of €275. Rang CN back and within few minutes they came back with €244. I've decided to stick with them another year.

47 years old, 14 years NCB, 2006 GSF650, full licence

mamax · 30-03-2020 9:57pm

Renewed with principal a few days ago
tpf&t for 196€
48 yo
tdm850
Many years ncb and no points etc
ncb protected, commuting, legal cover, riding other bikes etc etc

I didn't even bother to ring around I just renewed, first time ever

Beta Ray Bill · 31-03-2020 1:06pm

Renewed today

Quote off Principal was €949.04 (up €280.27 from last years premium of €668.77)
Rang Principal and they knocked €87.71 off the premium to bring it down to €861.33.

Rang AXA and ended up getting it for €700 on the button (Fully Comp).

Bike: 192 Aprilia RSV4 1100
NCB: 10 years
Age: 35
Living in Dublin

listermint · 31-03-2020 2:18pm

Beta Ray Bill wrote: »

Renewed today

Quote off Principal was €949.04 (up €280.27 from last years premium of €668.77)
Rang Principal and they knocked €87.71 off the premium to bring it down to €861.33.

Rang AXA and ended up getting it for €700 on the button (Fully Comp).

Bike: 192 Aprilia RSV4 1100
NCB: 10 years
Age: 35
Living in Dublin

You know what, i actually didnt know Axa were doing bike insurance, have all my other vehicles with them.

IrishGrimReaper · 31-03-2020 2:58pm

They are also the underwriters behind Carole Nash now and also Principle Insurance policies I believe. Lots of competition in Ireland :pac:

Got my renewal notice from CN €383.01 (AXA) total which breaks down as:
€216.61 - Insurance Premium
€10.84 government levy
€86.02 Broker Fee
€69.54 Additional covers - Breakdown assist + legal expenses.

It was €362.87 last year (Ageas). I'll ask them to halve the broker fee since they are getting between 20-25% commission from the insurance premium as well.

Emmersonn · 31-03-2020 6:41pm

IrishGrimReaper wrote: »

They are also the underwriters behind Carole Nash now and also Principle Insurance policies I believe. Lots of competition in Ireland :pac:

Got my renewal notice from CN €383.01 (AXA) total which breaks down as:
€216.61 - Insurance Premium
€10.84 government levy
€86.02 Broker Fee
€69.54 Additional covers - Breakdown assist + legal expenses.

It was €362.87 last year (Ageas). I'll ask them to halve the broker fee since they are getting between 20-25% commission from the insurance premium as well.

Why not try AXA direct.

aalam · 01-04-2020 12:26pm

Hi

I am a newbie to board.ie, never used before:-( so don't know where to post following?

I wonder if there are any COVID-19/coronavirus related relief from insurance companies.

We are staying at home not using our vehicles so no or very fewer claims? hardly I see vehicles on roads

It is very important for a person like me who is paying 200+ per month to AXA Insurance, not using my car from the last 4 weeks.

PCeeeee · 01-04-2020 12:39pm

aalam wrote: »

Hi

I am a newbie to board.ie, never used before:-( so don't know where to post following?

Is there any coronavirus related relief from in insurance companies like AXA

We are staying at home not using our vehicles so no or very fewer claims? hardly I see vehicles on roads

It is something very important person like me who is paying 200+ per month

Not a hope.

Hotblack Desiato · 01-04-2020 4:56pm

Remember when we were told premiums went up because of 9/11 ?

This will be the same.

AlekSmart · 01-04-2020 5:29pm

IrishGrimReaper wrote: »

They are also the underwriters behind Carole Nash now and also Principle Insurance policies I believe. Lots of competition in Ireland :pac:

Got my renewal notice from CN €383.01 (AXA) total which breaks down as:
€216.61 - Insurance Premium
€10.84 government levy
€86.02 Broker Fee
€69.54 Additional covers - Breakdown assist + legal expenses.

It was €362.87 last year (Ageas). I'll ask them to halve the broker fee since they are getting between 20-25% commission from the insurance premium as well.

Kinda sticking with the topic of non-premium related charges,I wonder if anything can be done about the blatant abuse of the adjustment/alterations charges imposed by CN and others.

This stuff is particularly hard on Motorcyclists,who typically,change machines more often than Car drivers.

Anybody else up for a moan ?

The QuietMan · 01-04-2020 5:56pm

Starting to shop around for my bike renewal as it is nearing plus the car insurance is due before it, trying to get a deal, anyway:

30 odd years of age
full licence
2 years ncd
AXA Rider Assessment level 2

Bikes:
Blade
DL
Scooter

Principal: €750 reduced to €700 when pushed €55 broker fee
CN initially quoted me €1800, when i told them what Principal quoted they reduced it to €563 including €82 broker fee, you that's over €1200 in a matter of minutes.

Both quotes under written by AXA, neither company willing to accept my Rider Assessment.

Currently with AXA for both car and bike, haven't received the bike quote yet but i'd be surprised if AXA don't beat €563

All comprehensive cover.

Last year's cover with AXA was €365 for DL/Scooter, assessment brought it down by €25, cost me €250 to add the blade in January until renewal

IrishGrimReaper · 01-04-2020 6:02pm

I spoke with Principal and they done the renewal at €336. Since AXA is the Insurer for both the quotes were practically identical save for principal charing a €30 broking fee as opposed to €86.

I find Carole Nash a bit shady and tried change to Principal last year so happy enough to have done it now. Spent ages waiting to get through to AXA directly with no luck but I'm happy with the price so not arsed pressing it.

In other news my car insurance is due the same day and it's reduced by a whooping €6 !

galwaytt · 02-04-2020 8:40pm

IrishGrimReaper wrote: »

I spoke with Principal and they done the renewal at €336. Since AXA is the Insurer for both the quotes were practically identical save for principal charing a €30 broking fee as opposed to €86.

I find Carole Nash a bit shady and tried change to Principal last year so happy enough to have done it now. Spent ages waiting to get through to AXA directly with no luck but I'm happy with the price so not arsed pressing it.

In other news my car insurance is due the same day and it's reduced by a whooping €6 !

I've tried Principal a few times and whilst the price on paper was ok, they wouldn't match the actual cover i have with C-N.

This year's renewal from C-N came out at €518 vs €373 last year. A barney on the phone later and.........got it for €374.

One thing of note: last year's cover was by Ageas, this year it's AXA. Aegeas have withdrawn due to Brexit, so that's one less underwriter in the market.

Also, about €50 of it is Breakdown cover. Now you may wonder why would I forego that, but I have comprehensive standalone breakdown as-is, so really don't need it.

Anyway, that's it for another year: even if we can't go outside the door.....

53
full licence since 1988
10yrs+ NCB
0 points, etc
RoSPA
3 - bikes: 05 H-D RK, 182 CRF1000, Aprilia Atlantic 500

Mjolnir · 02-04-2020 9:50pm

aalam wrote: »

Hi

I am a newbie to board.ie, never used before:-( so don't know where to post following?

I wonder if there are any COVID-19/coronavirus related relief from insurance companies.

We are staying at home not using our vehicles so no or very fewer claims? hardly I see vehicles on roads

It is very important for a person like me who is paying 200+ per month to AXA Insurance, not using my car from the last 4 weeks.

Nope, not a snowballs chance in hell.

Hotblack Desiato · 03-04-2020 1:19pm

galwaytt wrote: »

Aegeas have withdrawn due to Brexit, so that's one less underwriter in the market.

They do realise we haven't left the EU, don't they :rolleyes:

Fecking eejits.

UrbanFret · 06-04-2020 2:52pm

is that 1890 945 950 number for principal free?

06-04-2020 3:00pm

UrbanFret wrote: »

is that 1890 945 950 number for principal free?

As of late last year, calling 1890 numbers are supposed to be the same as calling a normal landline number.

horse7 · 06-04-2020 3:11pm

Only 1800 ,s are free.

Interceptor · 06-04-2020 3:41pm

aalam wrote: »

It is very important for a person like me who is paying 200+ per month to AXA Insurance, not using my car from the last 4 weeks.

While you have posted this in the bikes section I can actually answer your question - it turns out that if you notify AXA that you aren't using your car you can put a hold on your insurance. Says so on their Coronavirus FAQ here - see 'Can I suspend my insurance'

The Nutty M · 07-04-2020 6:58am

161 Hayabusa
10 years NCB
36
Fully comp €527
CN underwritten by AXA

Emmersonn · 07-04-2020 8:08am

The Nutty M wrote: »

161 Hayabusa
10 years NCB
36
Fully comp €527
CN underwritten by AXA

Typical CN ripoff quote. Try Principal.

listermint · 07-04-2020 8:15am

Emmersonn wrote: »

Typical CN ripoff quote. Try Principal.

It's a 161 hyabusa...

Ago1960 · 07-04-2020 8:41am

listermint wrote: »

It's a 161 hyabusa...

Well spotted lad. :rolleyes:

listermint · 07-04-2020 8:43am

Ago1960 wrote: »

Well spotted lad. :rolleyes:

Can you elaborate?

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

What's your point rollyeyes Queen

The Nutty M · 07-04-2020 11:43am

Emmersonn wrote: »

Typical CN ripoff quote. Try Principal.

It's actually very competitive would you believe. Principal were just under €1400 and admitted they couldn't come close to CN.

And like another person here, I never knew AXA could be dealt with direct for bike insurance as I also have a farm policy with them.

tobottherobot · 07-04-2020 1:33pm

Axa for me... way cheaper than the others. Got some bonkers quotes off Principal...

Age: 31
Bike: 2016 Triumph Street Triple
NCB: 8 years
Full Licence: 10 years
Cost: €445 FC

Pity MCE are gone... at one point I was paying them €230 on a Hornet 600

listermint · 07-04-2020 2:36pm

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 !!

newmember2 · 07-04-2020 5:10pm

Basil3 wrote: »

As of late last year, calling 1890 numbers are supposed to be the same as calling a normal landline number.

Oh?...I thought it was a flat 50c min charge or something like that.

Just got my renewal notice from Principal -
2001 Fazer 600
2010 FJR
9+ years NCB
age 50
Fully comp with breakdown on both bikes is €333.09 vs €328.81 last year. Axa underwriting.

Motorbike insurance - tell us your quotes/renewals

Comments