Motorbike insurance - tell us your quotes

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

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?

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

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?

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

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.

There are several bikes that have no pillion seat and qualify for increased discounts. I'm not sure how much though. I've carried a passenger once in 3 years.

madrab wrote:

yeah i noticed that on my dads renewal letter (only €240 tpft the b@stard!) it said pillions not covered-looked very strange

I'm presuming your dad has a provisional licence, and the letter is really telling him he's not licensed to carry a pillion? The insurance company can't get out of their obligations to third parties, no matter what they put on the policy.

Any chance of putting up a scan of the letter - blanking out personal data?

frodi wrote:

It seems that CN now have two insurers with one looking to put restrictions in lieu of lower prices.

Not so I'm afraid, all CN bike policies in the Republic are underwritten by Royal & Sun Alliance.

It is ILLEGAL for an insurer to not cover you against third party claims. A pillion is a third party.

Never mind what you were told on the phone - they'll tell you anything - I'd love to know how such a policy would be worded. Perhaps you agree that they can come after you for their loss if there is a pillion claim against you? The problem with that it WILL be abused by some people, and these claims can run into seven figures. Add in legal costs and I can't see the insurance companies recovering very much off most people in such a situation.

True, the Gardai can then prosecute the riders for a breach of the licence law…….but not the insurance requirement under the Road Traffic Act, as judicial precedent has now been set. Therefore they won’t bother prosecuting riders for having no licence, because, just by dint of their having a current insurance policy, they – and the pillion – are now covered, and the only prosecutable offence is a misdemeanour………and it’s just not worth it.

Net Result – I, You, We – get fu$$ked on our insurance premia………the insurance companies can legally take a civil suit against a rider who’s policy they paid out to a pillion under, but what’s the chance of collecting the money (say, €50k..) from a 17 yr old……..who mighn’t even be working?? Exactly !! Goddamn frickin’ zero. So, they just shrug their shoulders, and add the cost of the claim to everyone’s premium for next year. It just got to the stage where Hibernian said ‘no more’……..and walked away.

They claim they couldn’t get the minister to help change the law, and they weren’t prepared to act as an ATM for pillion claims any longer……..I can’t say I blame them.

Only in Ireland, huh…..? In the UK an illegal number plate, silencer or modified indicators invalidates your insurance………do you think the nonsense situation of unlicenced riders making successful claims even comes up….Ha ! – of course not. In Germany, it states on the Kfz Brief – (the vehicle tax book..) – which make and brand of tyres are to be fitted. I’ve even seen the spark plug type mentioned on one. Failure to adhere rigidly to that………you guessed it…..invalidates your insurance…..


So – to all you riders, on provisionals, who’ve had a claim by a pillion – you are the single biggest reason insurance is the price that it is, so quit your goddamn whinging, and take a look at the mess you’ve landed the whole country in.
To you pillions who’ve made a claim – big or small – what the hell were you doing on a bike with an unlicenced rider in the first place?? You’re not doing me any favours – that’s for sure……….