Motorbike insurance - tell us your quotes

pyrogenx · 19-06-2006 8:42pm

Dr4gul4 wrote:

mine isnt much better

Age - 26
Licence - Prov A
NCB - 1 years
Bike - 250 dragstar

tpo 1100

got a quote on an sv650s also

tpo 1450 iirc

Painfull stuff

Ha, u call that painful?

Here it comes:
22y, 0 NCB ,PL , new GSF650 factory restricted

---Third Party AON 3000euro
---Full Comp. AON 6000euro

Carol nash wont quote anyone without 1 year of NCB

Dr4gul4 · 19-06-2006 9:12pm

in fairness man ure 22 with ncb and ure driving a damn 650 even though it's restricted im surprised it's not more really

Idleater · 19-06-2006 9:34pm

pyrogenx wrote:

Ha, u call that painful?

Here it comes:
22y, 0 NCB ,PL , new GSF650 factory restricted

---Third Party AON 3000euro
---Full Comp. AON 6000euro

Carol nash wont quote anyone without 1 year of NCB

Go with AON, do their "assessment" or whatever they call it, pass it and get a minimum of 10% and max 33% off it.

€2000 is a nicer price than €3000.

From speaking to them this morning, it seems that "all" the factory restricted bikes are pretty much the same price. i.e. bandit, sv650, honda cbf etc etc.

L.

Vmaxer · 19-06-2006 10:45pm

My renewal came in the the door Today aswell,

Yamaha V-Max 1200
Carroll Nash Classic policy
7 Years NCB
Full A for 15 Years
34 Year old Auld Fella

TPFT €365

It used to be £190 Punts a few Years back
but I suppose €365 isn't too bad..

madrab · 20-06-2006 9:17am

Dubsmax wrote:

My renewal came in the the door Today aswell,

Yamaha V-Max 1200
Carroll Nash Classic policy
7 Years NCB
Full A for 15 Years
34 Year old Auld Fella

TPFT €365

It used to be £190 Punts a few Years back
but I suppose €365 isn't too bad..

damn u & your nice bike & cheap insurance

tk123 · 20-06-2006 10:02am

Ok I just got my email quote from Aon :

Marauder 250
4 yrs NCB
Full A
Age:28(F)

TP : €436, FC : €1022 - thats cheaper than I was paying on my 125

a_ominous · 20-06-2006 11:17am

Looks like it's renewal time for a few of us.
I was pleasantly surprised to see my insurance drop by 450 yoyos, nothing changed apart from being older. Mind you I pay about 450 for my car insurance, FC

Details
FJR 1300
4 yrs NCB
Full A (3 years)
Age: late 30s

FC 1040 euro, didn't get quote for TPO, TPFT

pyrogenx · 20-06-2006 11:41am

Dr4gul4 wrote:

in fairness man ure 22 with ncb and ure driving a damn 650 even though it's restricted im surprised it's not more really

Yeah i know. But its about time for me get a bike again

Btw AON said that all those factory restr. bikes around the 500 and 600cc mark are group 5. actually the same group most 250cc street bikes cause of the weight. i.e. bandit 650 is 210kg.
I'm going do the AON test in a few weeks time when i used to the bike.

Oh yeah, sorry about double posting! Had a bit of a lag problem in the net cafe.

Kinetic^ · 26-06-2006 12:55am

Keyser Soze 5 wrote:

Rang them today, said my renewal when i get my 3 years no claims, I'll be 23 at the time too will be 1100TPO, a disgrace if you ask me. Any advice for me?? Should i make a phantom call to them?

Stupid quote they gave me back in January hasn't come down, frigging poop!!!

rymus · 26-06-2006 9:04am

Just got a quote from Aon and after comparing it with CN I'm awe struck. Almost literally fell off my chair.

I'm 25
living in Cork
full NCB
full A license for last 4 years approx.

Bike is a 2000 Yamaha Royal Star Venture

€543 tpo.

I need a stiff drink to recover from that shock. It was only about 2 months ago that CN quoted me in excess of €1200

madrab · 26-06-2006 10:08am

rymus wrote:

Just got a quote from Aon and after comparing it with CN I'm awe struck. Almost literally fell off my chair.

I'm 25
living in Cork
full NCB
full A license for last 4 years approx.

Bike is a 2000 Yamaha Royal Star Venture

€543 tpo.

I need a stiff drink to recover from that shock. It was only about 2 months ago that CN quoted me in excess of €1200

thats really wierd when you look at the difference between cn & aon that they quoted me

a_ominous · 29-06-2006 11:28am

a_ominous wrote:

Looks like it's renewal time for a few of us.
I was pleasantly surprised to see my insurance drop by 450 yoyos, nothing changed apart from being older. Mind you I pay about 450 for my car insurance, FC

Details
FJR 1300
4 yrs NCB
Full A (3 years)
Age: late 30s

FC 1040 euro, didn't get quote for TPO, TPFT

I phoned CN earlier this week because of another thread here this week. I had said to Steffano that being a member of MAG or other MC club resulted in discount. He didn't get a discount but I did

- another 120 off

Quote is now 920 euro FC in Dublin on a FJR 1300. Back to starting price on the 125 I had 4 years ago on a bike with 12 times the power.

tk123 · 29-06-2006 11:40am

Do CN still ask if the bike is inside at night??

rgfuller · 29-06-2006 2:40pm

Age - 34
Licence - Full B
NCB - None.
Bike - 49cc Gilera Ice
Area - Dublin County use in Dublin City

TPO 255
FC >500
from Aon

TPO was >450 from CN (and they asked where the bike was kept)

Darando · 29-06-2006 5:13pm

50cc Italjet
Full A1 Licence (8 years)
5 Years NCB
27 Male
Dublin

TPO - AON - €183

Steffano2002 · 29-06-2006 6:17pm

600cc Suzuki Bandit N (2002)
Provisional A Licence (2 days old)
No NCB
25 Male
Dublin

TPO - Carole Nash - €1780

Steffano2002 · 29-06-2006 6:17pm

tk123 wrote:

Do CN still ask if the bike is inside at night??

Indeed they do

Steffano2002 · 29-06-2006 6:18pm

a_ominous wrote:

I phoned CN earlier this week because of another thread here this week. I had said to Steffano that being a member of MAG or other MC club resulted in discount. He didn't get a discount but I did

Just realised you're makin fun of me there! Not nice...

a_ominous · 29-06-2006 6:30pm

Ah now, it wasn't meant to offend. I take it that they didn't change the quote and MAG didn't help either. The inconsistency in quotes is incroyable.

tk123 · 29-06-2006 10:35pm

I called CN today - their quote was almost €200 more than the one I got from Aon - when I said it to the guy he offered to take €50 off..I'm going with the Aon one but thought i'd post for a heads up for everybody "indeed - i have gotten a cheaper quote of Aon"

rachymc · 02-07-2006 3:54pm

Nsr 75 (2002)
Provisional A1
3NCB
19 Female
Limerick

TPO - Aon - €1283
TPO - Aon for cbr250 - €2612 - would be €2270 with 4NCB
and if i wait till im 21 it'll be €1570...and for a nsr125 its €3370, what a joke, thats nearly twice the price of the bloody bike :eek:

Steffano2002 · 04-07-2006 5:40pm

Steffano2002 wrote:

600cc Suzuki Bandit N (2002)
Provisional A Licence (2 days old)
No NCB
25 Male
Dublin

TPO - Carole Nash - €1780

Got it wrong, it was actually €1740.68 EUR

Billabong · 11-07-2006 12:26am

Just for fun I got a quote of CN today, just to make myself at the ridiculous situation motorbiking is in in this country.

Male 23
1 year NCB on BROS 400
Full licence

Suzuki SV 650 or bandit 600

TPO 2234

Seems high but when you consider I was paying 2700 for the underpowered BROS, I was pleasantly surprised.

Unfortunately its too little too late as i'm emigrating to the land of the motorbike (Japan) in october, it seems you have to jump alot of hoops to get a licence for big bikes over there but apparently my licence transfers.

It seems my total insurance costs for an SV650 over there is going to be roughly 800 euros. Pretty good considering thats for two years of insurance. on the down side their NCT is an absolute bit*h.

I still maintain that Ireland is the least conducive country in the world for motorbiking (except china for its red tape)......rant rant rant......

Noelie · 11-07-2006 11:54am

Male 27
2 yr NCB
Provisional
CBR 250R

CN 1065, Aon was about 15 Euro dearer.

A guy from CN rang me last week asking had i gotten my renewal form, i told him Aon had beaten their quote by €50 asked could CN match this, he reduced my quote to €1017.

MunsterCycling · 11-07-2006 12:11pm

Male 30+
Full A (4years) & B (11 years)
CB500S

CN ................... AON
553 FC ................. 543 FC
471 TPFT .............................n/a
348 TPO .......................309

What do people think? They (CN) quoted me 665 in April when renewal came up but I left it, these quotes are from yesterday, 110 off in 3 months??? Car is mainly used method of transport and bike is garaged at night.

NB The CB is a group 9 bike.

Hotblack Desiato · 14-07-2006 1:06pm

Billabong wrote:

I still maintain that Ireland is the least conducive country in the world for motorbiking (except china for its red tape)......rant rant rant......

We're certainly the worst in Europe. Our government officials and media are completely anti-motorcycle with very few exceptions.

The real question is what are we prepared to do about it?

In 99% of cases, nothing, except b*tch on internet forums... that's not having a go at you by the way, but the apathy and blindness to the bigger picture of the average Irish biker is deeply depressing.

Billabong · 15-07-2006 1:40am

ninja900 wrote:

We're certainly the worst in Europe. Our government officials and media are completely anti-motorcycle with very few exceptions.

The real question is what are we prepared to do about it?

Point taken, what can we do but try and get a more competent government in power who may actually listen to us, the minority biking community. And i'm not talking enda kenny, the green party get my vote year in year out for their commitment to govern with common sense and a social/environmental responsibility.

Its not rocket science, hell if their too incompetent to think it up themselves no ones going to think any less of them if they just go and copy from a country with a system that works.
No provisional riding and extensive initial training is the only way forward and whilst being expensive up front its always cheaper in the long run as shown by other european countries such as Germany.

It's no good fighting the insurance companies, if the government creates a safe motorcycling ethos and a fair and free insurance market they'll fight themselves.

I say give Gaybo more power to wield his motorcycle friendly policies:D

Hotblack Desiato · 15-07-2006 12:35pm

My point is that other small groups aren't f**ked about because they have strong and effective organisations/lobby groups.
MAG does what it can but the number of riders who can be bothered to support it is small, therefore the resources available to it are small.

Costly initial rider training (a la Germany) for RIDERS ONLY will be the end of motorcycling in this country. Getting on the road is way too expensive for young riders as it is, mostly due to insurance, so hitting them with another couple of thousand for mandatory training is going to make it completely unaffordable for most of them. Much easier to get a nice "safe" car, which is probably the real reason the government favours CBT for bikes only.

You might think that training would reduce insurance claims, but if that happens (and the insurance companies don't just increase their profits due to lack of real competition) it will take several years to happen and in the meantime a whole generation of potential riders has been priced off the road.

We have a problem with ALL classes of road user in this country, the problem is that as riders we're more vulnerable than most to other people's mistakes. If mandatory training was introduced for car drivers as well as bikes it would make a real difference. Fair enough, if we can ride more defensively and make fewer mistakes it will help us, the training is already out there but few enough people are bothered to take it up. But insurance data shows 75+% of car/bike accidents are not the rider's fault, the real road safety problem in this country rests with car drivers and unless something is done about it, forcing us to be the best/most trained road users of all isn't going to help much.

There's no chance of anything being done about car driver training/provisional licences before the election, and given the huge number of votes at stake and the massive unpopularity of even the tiniest attempt to get motorists in general to be sensible and obey the laws, I wouldn't bet a large sum of money on anything much happening after the election either.

By then the Road Safety Authority should be properly established, but they cannot make the law and cannot enforce the law, without government commitment behind them they will be almost powerless. I hope that it doesn't turn out that way, but given the political realities and the gombeenism of the average backbench TD, I can't say I'm that optimistic at this point.

Idleater · 15-07-2006 1:45pm

Well,

Got the policy sorted there.

Suzuki SV650N Factory Restricted
Royal Enfield Bullet 65-500
28 year old Male.
RoSPA Silver, Full Licence 2 years, 3 years NCB.
Dublin Address

€610 TPO €1120FC with Aon.

Double both figures (almost) to get the CN figures.

L.

Billabong · 15-07-2006 4:25pm

Ninja900, I take your point on the delay between CBT and insurance drop although I still believe the CBT is a necessity (for riders safety more so than just insurance), how it is implemented is going to be the tricky part. They'll just have to get the insurance down first. Also on your point of price of car vs. bike, there's alot more benefit to motorbikes in my view that motivates rather than just cheap cost. I started in the motorbike world in the strange position of knowing full well that I would be cheaper to just get a car. If you like bike, you like bikes and thats that.

It seems to me that the biggest problem with the Irish insurance system is the "if your insured, your insured, whether or not your breaking the law". The biggest and most infuriating example being that of the pillion passenger claims. ( also drunk drivers are insured, provos with no full licence driver etc.)

If I drive a car without insurance and run someone over, I am personally liable (i.e. I get screwed left right and centre back to the poor house). most of us accept this and hence would never even consider driving witout being insured.

Now take the case where, just because I am insured to ride a bike solo, that means that I am covered if I have a pillion. How does this make sense. If pillions weren't insured and every pillion passenger was claiming off their mate rather than the "system", I think they might think twice about giving lifts and god forbid bogus claiming. If they are still dumb enough to take a pillion then they should suffer the same fate as that of an uninsured car driver.

I don't like to jump on the "blame the pillion passenger boat" but in the absense any other evidence of where the 3rd party claims are coming from I cant resist. If our bikes and ourselves aren't insured, who and what are we hitting at such regular intervals so as to cause these ridiculous rates. Or are individual claims just that big.

On the MAG ireland point, they have my support and I agree that more of us need to show our support. I also feel that it is both in the favour and responsibility of the bike shops and manufacturers to get behind MAG. Any progress made by MAG should increase the profits of both.

If anyone can propose valid reasons or even better, figures to explain the high cost insurance, I'd be very interested to see them as I'm yet to see a proper discussion on the exact causes. It all boils down to numbers after all (should these numbers not be transparent to us the customer)

I am open to any corrections or criticisms on the above as my views are based on my perception of the information available to me, which is limited at best.

Hotblack Desiato · 16-07-2006 8:39pm

There's no doubt that CBT would bring safety benefits eventually, problem is that it will take years before a significant proportion of the riders on the road will have done it and only then will it start to have a measurable positive effect.

Incidentally, CBT in the UK has had less of an effect than hoped, which is why the proposals for this country are more sophisticated, problem is that that means it's going to be a lot more costly and the government is refusing to contribute in any way. Riders pay a lot of taxes, it would be nice if even a tiny proportion of this was invested in rider safety.

A huge proportion of rider injuries and deaths are caused by clueless car drivers and nothing at all is being done about this. We need quality training for all road users.

Pillion insurance is something we're stuck with due to the EU insurance directive, third parties must be covered even if the driver or rider was breaking the law.

e2rd · 19-07-2006 11:10am

Age: 32
Licence: Full
NCB: none
Bike: 1990 Honda Steed 400

AON offered €543 TPO and €1,009 FC

CN: €1,206 TPFT and €1,525 FC, however they offered me classic option if I join M.A.G. Ireland (€30 for joining). Classic prices as follows: €349 TPFT and €485 FC. So good to have a classic bike

ibanezjem · 19-07-2006 5:22pm

at the time i was...(2003)

Age 25
Licence: Full A & B
Bike: Suzuki GSXR-750SRAD
Hibernian: €2400

Sold bike traded in licence to AA for international licence. Moved to Oz for years and bought a 2001 Suzuki TL1000R V-Twin in Sydney.
Insurance: €300 Fully Comp.

Now, i drive a car. Roads here are sh|t and too dangerous to drive whether it be in good or bad weather. General motorists coouldnt give a toss about bikers and that really p|sses me off. Plenty of theives around who if cant your bike, tend to knock it over or scratch the f•uck out of the tank in spite. And on top of that insurance is another form of legal theft with no regulations of charge and the rate/calculation of insurance just doenst add up from one company to the next.

Would love to scrap the car though and get myself my dream bike..the first of '94 Ducati 916's Desmoquattro. Stunning bike and hasnt been outdated in my opinion. Always a fan of the fireblades too.
Boo hoo!!

macdragon76 · 21-07-2006 9:30am

Angry_Man wrote:

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

Nope, Just turned 30
Fazer 6
Full Licence 1 yr 10 months
Fully Comp Quotes below

So Aon Quoted me 1, 450
down from 1875

CN quoted me 1150
Down form 1700

So Aon have all the extras as well!

Its a no brainer!

I could go for TPFT for 700, but its my baby!

so fully comp!

mcdonna · 25-07-2006 3:11pm

25 Male
6 month Full A
1 year NCB
98 Fazer 400cc

Carole Nash renewal TPO €1205.05

Last year (24, no NCB, provisional, same bike) ~ €2400

Haven't tried Aon

Feargal · 15-08-2006 3:20pm

im 29
have 2 years no claims on the bike
prov. licience
00 Cagiva Mito 125

full no claims bonus for the car (cn take this into account)

aon bikecare 1165.00 (put the cagive in the group 8!! same as a 400cc)

cn 500.29 (think ill go with cn!)

MrPudding · 15-08-2006 3:35pm

Just for sh1ts and giggles, here is my quote in the UK for the bike I would like after I complete the direct access course and pass my test. For the purpose of the quote I said I had had my full license for 5 days.

Age: 33
NCB: 0
Bike: 2006 BMW R1200GS Adventure

Quote from BMW insurance £835.

Hotblack Desiato · 15-08-2006 5:01pm

Feargal wrote:

full no claims bonus for the car (cn take this into account)

First time I've ever heard of that happening.

Is your car insured with CN?

If you have a tip in the car, will your bike insurance go up as well? :eek:

pxnubi · 16-08-2006 7:09pm

first bike

age :24
bike :125 (vespa)
tpo :1600

carole nash...aon wanted 2200!

Feargal · 18-08-2006 1:22am

ninja900 wrote:

First time I've ever heard of that happening.

Is your car insured with CN?

If you have a tip in the car, will your bike insurance go up as well? :eek:

My car isn`t insured with cn, they just asked if i had a car, and what no claims i had on the car. It says on a document i got "a discount has been allowed for no claims bonus, and that i should contact them", but ill have to find out if they are looking for the motorbike or car no claims.

Dont know what will happen if i have a tip in the car, it may or may not effect it... hopefully i never find out!

MunsterCycling · 18-08-2006 1:47am

CN don't currently have any joint insurance packages (car & bike) in Ireland, they are supposidly (Sp?) working on it though.

Asked at my last renewal..

babybundy · 18-08-2006 6:36am

cork tpo aon on a varadaro 125 4years ncd prov 20 1312 yoyos wait till oct. when i'm 21 900 got a car so i can wait carol nash still wont quote me

Feargal · 18-08-2006 2:11pm

rang cn, they were just looking for the motorbike no claims, just seemed to take my word about the car, might not effect the insurance quote much.

Cassiel · 22-08-2006 9:02am

Gender: Male
Age: 32
Location: Outside Dublin
NCB: 2 year
Bike: 04 Honda CBF600s no restriction

AON: €753 fully comp.
Carole Nash: €1900 :eek:

Cassiel wrote:

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.

demosuzki · 30-08-2006 11:48am

Gender: Male
Age: 39
Location: Dublin County
Garaged
NCB: 4 year
Bike: 04 Honda Transalp 650 no restriction

full comp policy.

renewal offer is from CN at about 750e
AON: €950ish fully comp.

so i call CN about it and stress i want to talk to someone and not just renew blindly.

asked to speak to someone about the restrictions (can't transfer to another bike, can't carry passangers)
he then tells me that he can quote a new policy without the restrictions
and about 100 cheaper !!!!
so renewal is 650 with carol nash with the euro breakdown cover.

go CN !!

Dr4gul4 · 19-06-2007 12:08pm

Draggin this old thread up to impart some wisdom.

Insurance is up in 2 days time, got my renewal from CN

CN - TPO - 1205

Tee hee i though i've called Quinn and know they will beat this by 300 odd.

One fone call to Quinn direct later.

01 Sv650S Provisional Livence, 2 years no claims bonus.

Perviously it was a quote of €780, still quite cheap.

However i was told they could not insure me on this bike, even though i was quoted previously.

Not happy with this i called back to day.

They kep you're details on file, so every time you ring they know, and they know what you called for.

So the girls say, ok Mr Drag what can i do for you.

I'd like a quote plz.

Off she goes and come back with a quote of €744 tpo

I was a bit stunned and jummped @ this offer, money exchanged hands and away i went.

Subsequently i got another quote over the fone from Carole nash.

They some where pulled the figure of 698 out of thin air.

So policies were renewed and other were canceled.

Let this be a ref to you all. Call and Call and Call again

Krusty_Clown · 19-06-2007 12:19pm

Speaking of keeping your details on file (in a filing cabinet;) ), when I rang Quinn yesterday for the first time, I gave them my name and date of birth. They already had my address and phone number. :eek:

I had to confirm my address details with them... Not sure where they got them from..

19-06-2007 2:49pm

Male
Age 27
Cork City
Provisional A licence(waiting for test,hopefully before insurance expires in August)
Yamaha XVS650 Dragstar (group 6 AON)
Insured with AON cost €540 for this year third party only, waiting for renewal in August.
Quinn Direct would not even quote me.

Eye · 20-06-2007 12:12am

Just renewed my insurance.

Gender: Male
Age: 26
Location: Tipperary South
NCB: 8 years
Bike: 06 Yamaha FJR1300
Licence: Full A

Last year i changed to AON as they beta CN hands down, AON only wanted €710 whereas CN were looking for €960 i think it was for TPO cover.

This year i got my renewal from AON looking for €704 TPO....not exactly spectacular but i was expecting it to be around that price. Rang CN for a quote and they still wanted €935 this year.

Then me rings Quinn Direct and after giving all the details they wont quote me for TPO or TP F&T... they will only quote Fully Comp because of the value of the bike, so i say go on tell me, not expecting to like the answer.
They then quoted me €836 for Fully Comp, needless to say that policy details are in the post and payment already made for that one

Looking forward to next years quotes if Adelaide and e-bike insurance come into the market, + anymore are welcome if it gets competition going and prices falling

electricheadx · 20-06-2007 5:14am

Age : 26
Location : Dublin
Licence : Prov A
Bike : CBR250RR
NCB : 1Yr

Fully comp last year was 2800 with AON, Its 2300 this time round

CN quoted me 2800 for the same his year.
Dunno what TPO is... I'll find out..

Them QD B*****ds woundn't quote me.

Motorbike insurance - tell us your quotes

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