Motorbike insurance - tell us your quotes

echomadman · 27-10-2005 7:25pm

madrab wrote:

eh? what you talkking about?

my point is that you should have to build up bike experience before you can just go and buy a superbike

sorry had you mixed up with someone else,
still though whats your metric for "experienced enough"
you could have 5 years NCB and only have ridden a bike for a few weekends in the summer of each of those, or you could be a year round commuter who does track days and rides for fun in his spare time with 2 years ncb.

Who's the more experienced rider there?

madrab · 28-10-2005 10:17am

thats true, but i think it is still far better than a 23 yr old with 5 yrs no claims being insured on a bike for 1600, and a 40 with 0 experiences paying far less

maybebaby · 30-10-2005 1:20am

Bike: FZR1000
Age: 30
Licence: Full
NCB: 1 yr
Insurance company: WGV 180€ TPO

Only one year ncb because that's counted by vehicle and not by driver (I have a second FZR 1000 with 3 or 4 yrs ncb which costs 140€ TPO)...
No restriction on driver (as long as it has a valid license)...

This is a normal price for a >98 PS bike (at least back home in Germany;)) - so I'm really confused about the really ridiculous quotes I'm reading here.

Are the insurance companies making real good money out of that or are there that many accidents happening?

madrab · 31-10-2005 4:54pm

its mainly due to the spirilling costs of insurance payouts as there is no fixed system & people want as much compo as they can get

i dont get the way the noclaims works? if i drive a bike for 3 years(3yr ncb) and get a new one does that mean i have to start my ncb again?

ps damn you!!!

maybebaby · 31-10-2005 5:23pm

madrab wrote:

its mainly due to the spirilling costs of insurance payouts as there is no fixed system & people want as much compo as they can get

but people can't be "cheating" that much so you have to pay like 4 or 5 (in extreme cases 10 times) as much as somewhere else...

I mean even for those little 50cc-scooters - the insurance on them is like 80€/year for tpo and 120€ for tpot+f, over here it's 280€ or 580€/yr (depending on insurance) for tpo and 580 or 1000€ for full comp...:eek:

i dont get the way the noclaims works? if i drive a bike for 3 years(3yr ncb) and get a new one does that mean i have to start my ncb again?

no, I actually explained it wrong - the ncb is per insurance contract, which you can use for your next vehicle...

ps damn you!!!

Kazujo · 31-10-2005 6:53pm

Could you not just add the second bike to the origianl policy AFAIK both AON and Carole Nash can add second bikes to your policy for a minor handling fee of about €25-€50. You basically pay for the more expensive policy and then just pay for the paperwork to be processed to add the lesser.

Slaanesh · 02-11-2005 11:43am

Bike: Yamaha YBR 125 05'
Age: 24
Provisional License
Insurance Cost: €1058 TPO

Friend is getting a restricted bandit at the weekend. He is 25 in Feb and won't be driving the bike till then (ouch).

mikemac · 10-11-2005 11:50pm

Age: 24
Full car licence (2003)
0 NCB on motorcycles
Peugeot Vivacity 50cc

With AON I pay €543.

Interestly, I tried getting an internet quote off an UK company, using the address I used to live at in Belfast earlier this year.

Quote was £181 which is €269. This works out at almost exacty double what I pay now. Rip off Republic!!!
How can an insurance quote in Dublin be double what it is Belfast?

I'm guessing lack of competition.

Hotblack Desiato · 10-11-2005 11:57pm

You're lucky it's only double mate. My insurance (classic bike) is almost four times what it would be in the UK.

scorphonic · 12-11-2005 12:48am

Gender: Male
Age:21
Location: Meath
Licence: 1st Provisional
NCB: n/a
Bike: Yamaha YBR 125

I got a quote from Aon for 1400 euro, CN wont insure!!

Kinda variable wouldn't you agree...guess its all to do where we are from!!

seamus · 12-11-2005 12:57am

€1400 is fantastic tbh.

j@utis · 16-11-2005 9:51pm

AON: 535 TPO now, its 115eur less that a couple months ago.

Who said that prices are rising in nowadays

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:

madrab · 17-11-2005 9:24am

j@utis wrote:

AON: 535 TPO now, its 115eur less that a couple months ago.

Who said that prices are rising in nowadays

nice one

tq · 17-11-2005 10:40pm

Gender: Male
Age:20
Location: Meath
Licence: Full Licence + Grade 2 Aon Training
NCB: 1 year
Bike: Honda CBR250

€2500

Dr Pepper · 18-11-2005 3:57pm

tq wrote:

Gender: Male
Age:20
Location: Meath
Licence: Full Licence + Grade 2 Aon Training
NCB: 1 year
Bike: Honda CBR250

€2500

That's pretty disgraceful considering your experience/training - An absolute beginner on a prov licence, age 25, can get insured on a restricted Suzuki Bandit 600 for €912 (Aon group 5, outside Dublin).
Age seems to be the main factor taken into account with Aon! Also, if you say 'yes' when they ask if you drive 'regularly' in Dublin, your premium doubles (or more) straight away.

scorphonic · 19-11-2005 6:46pm

Dr Pepper wrote:

That's pretty disgraceful considering your experience/training - An absolute beginner on a prov licence, age 25, can get insured on a restricted Suzuki Bandit 600 for €912 (Aon group 5, outside Dublin).
Age seems to be the main factor taken into account with Aon! Also, if you say 'yes' when they ask if you drive 'regularly' in Dublin, your premium doubles (or more) straight away.

Your absolutely right. I first got a quote of 2100 for my YBR and then it went to 1450, when they found out where I was from and where the bike will be going every day (dublin) it went from the stated 1450 to over 3000. so when I ring next time to pay...i'm not going anywhere near dublin. Considering once your insured your insured for all areas of Ireland...its just a way for the insurance companies to charge that bit extra...greedy buggers.:D

mikemac · 30-11-2005 3:00am

I've been getting insurance quotes of a Northern Irish website and they are amazingly cheap.

Could I use my old address there and apply for insurance with this company. I work in Dublin at present but I could say I commute from NI if the insurance company ever asked.

Is this fraud? Since we are in the EU, I don't see any reason why I couldn't apply through a UK company providing they were willing to cover me in the Republic of Ireland.

I'm not trying to break the law here, so mods please don't ban me. I'm sure some people have thought of this before.

Hotblack Desiato · 30-11-2005 3:16am

micmclo wrote:

Could I use my old address there and apply for insurance with this company.

You could. But you'll end up with a piece of paper which could turn out to be worthless in the event of an accident, then find yourself done for driving with no insurance.

I work in Dublin at present but I could say I commute from NI if the insurance company ever asked. Is this fraud?

Yes, if you conceal the fact that you really live in the Republic from them (because if they knew, they'd either not quote you or charge you more to reflect the increased risk.)

It's like the Dublin-residents-using-country-addresses thing :mad: if they don't want to pay Dublin prices they can always choose not to live here!

Sparky · 01-12-2005 7:44pm

Age:19
Second Provisional
2 yrs NCB
Aerox 50cc
Aon, now going through axa.
€1200

got a quote for a car of €1700 so im moving to a car and going to get a provisional 125 after my driving test.

madrab · 02-12-2005 9:56am

get the provisional a rather than the a1, the a1 licence is pointless

BRUNO.22 · 02-12-2005 8:52pm

madrab wrote:

its mainly due to the spirilling costs of insurance payouts as there is no fixed system & people want as much compo as they can get

i dont get the way the noclaims works? if i drive a bike for 3 years(3yr ncb) and get a new one does that mean i have to start my ncb again?

ps damn you!!!

YOUR NCB STAYS WITH YOU NO MATTER WHAT THE BIKE.IF YOUR NOT INSURED FOR 2 YEARS OR MORE THEN ITS SCRAPPED.

Hotblack Desiato · 04-12-2005 2:32pm

madrab wrote:

get the provisional a rather than the a1, the a1 licence is pointless

Unless you're under 18, OR you own a 125 or smaller bike and can't borrow/hire a bigger bike for the test.
But yeah, passing the A1 test is NO benefit to you whatever if you want to move up to bikes over 125cc later. Passing your car test is no good, either, unless you only want to ride restricted mopeds (<45km/h and <50cc)

olearydc · 15-12-2005 11:38am

Hi

Just a quick one
Can some one tell me the Tel numbers for the following company
Aon insurace

(who are they, what does Aon stand for...do they have a web site?)

As my Hib insurance is nearly finished and..... (should have done this months ago...)

Thanks again
Dan:

Slaanesh · 15-12-2005 11:45am

Aon Bikecare: 1890777555

I'm insured with these guys, can't say if they are any good or not, haven't had to claim yet. X.

olearydc · 15-12-2005 11:53am

I went to the jacks's...Had a tea.....And behold....

Slaanesh wrote:

Aon Bikecare: 1890777555

I'm insured with these guys, can't say if they are any good or not, haven't had to claim yet. X.

Thanks

Aine Smith · 16-12-2005 5:38pm

Hi, much the same with a broker for three years and every year i have shopped around but have to say if they havent beaten the quotes i recieved they have matched them,, so all chuffed. have my test shortly so cant wait to get some spondoolies back.
By the way my "so far" unbeatable brokers are WWW.BRITTONINSURANCE.IE
They are really sound too..

cushtac · 23-12-2005 4:42pm

I'm 27 with a full A1 licence and 6 years claim free driving. Two years ago I was quoted 990 euro by Aon for fully comp insurance on a GN-125, the next year it went up to a grand, when I asked them about this they said it was due to a change in underwriters. I got my renewal notice last week, it hasn't come down a penny.

I've just bought a Bros 400. Carole Nash has quoted me 1330 for third party, fire & theft on the Bros and for T.P.O. on a 50cc scooter I've also got. That's with a provisional A.

cranoo · 30-12-2005 5:29pm

41
paneuropean 01
tpft
full no claims bonus
carroll nash 500E
aon 220E

third party

Billabong · 18-01-2006 1:02pm

age : 23
1 year no claims bonus
full license for past 7 months

AON insurance living in dublin 3rd party
BROS 400 or CBR250rr - 2150

AON insurance living in maynooth which is actually closer to dublin city centre than where I live in Dublin
BROS 400 or CBR250rr - 1400

Carol Nash living in dublin
BROS 400 - 1750
CBR250rr - extortionate so i didn't bother noting it down

Living outside Dublin I would save about 200 euros with carol nash.

Anyway i've decided to leave the country so i'm not gonna cry over it. Will post my overseas insurance quotes when I get them just so you can see what a mother####in rip off ireland is.:eek:

Tree · 18-01-2006 1:50pm

€471 fully comp w/ AON
Suzuki VanVan 125
full NCB
full licence for two years
livin in cork
have breasts

Almost half last years quote

Jelvon · 18-01-2006 8:28pm

up North here...

age: 22
full licence for past 8 month
No NCB
£300 sterling for Tpft on a Honda Hornet 250cc with rampdale

you southern guys and gals are getting well ripped off!!

ben

chilli · 27-01-2006 12:40pm

Any one here have a bros400
I am going to ring CN later today but I dont want to have a heart attack if its going to be a massive price

Im 27
Provision License
First Insurance
Bros400

Any ideas what that would be

madrab · 27-01-2006 2:05pm

gonna say 1800, probably more

seamus · 27-01-2006 2:14pm

County would have a big bearing on it chilli. If you're outside of Dublin, perhaps 1800. If you're inside Dublin, then closer to twice that. It's also a little outside the legal licence limits...

madrab · 29-01-2006 1:26pm

bros 400 is within limits for a provisional

tk123 · 29-01-2006 1:44pm

27f, 3 yrs NCB, Full A, Marauder 250
Aon
-€1186 comp
-€502 tpo

CN
€978 -tpft

Hibernian
€583 - transfer until policy runs out in july and then have 4yrs ncb- i didnt think they'd let me so i got other quotes first!

Vmaxer · 29-01-2006 2:06pm

Age 34
Full A Past 12 Years
Vmx1200 (V-max)
Full No Claims
CN €360 tpft

Must try Aon this year..:D

Traumadoc · 29-01-2006 3:08pm

Just to show how much we are beig ripped off:
In Australia I paid 30 euro for third party (part of my car tax/registration and same for everyone regardless of age, or NCB)
fully comp was an extra 130 euro this is on a 50 cc scooter
For bikes over 600cc T.P. is 160 euro regardless of age/ previous driving experience.

madrab · 30-01-2006 10:06am

Dubsmax wrote:

Age 34
Full A Past 12 Years
Vmx1200 (V-max)
Full No Claims
CN €360 tpft

Must try Aon this year..:D

drooool, vmax, drooool, insurance wont touch me if i have one, droool

(Damn u!!!)

BaldiePablo · 30-01-2006 10:19am

Suzuki GSXR 750 ('04)
27 YOA living in Athlone (Prov A - havent bothered to sit test yet!!)
AON - €1350 (3rd Party) with 3 years NCB
Never claimed

japanpaul · 30-01-2006 10:38am

Age: 26
Bike: Suzuki GSX 250 FX (Japanese import)
License: Full A
Area: Dublin
NCB: ---
Insurance: TPFT
Carole Nash: E2200
Insurance when I was in Japan for same bike: E200

That's 11 times more in Ireland than Japan. It made me cry when I was paying, especially when they wouldn't let me use my Japanese no claims bonus. Hibernian let me use my Japanese NCB for their car insurance so what's the difference with a motorbike??

Slaanesh · 30-01-2006 10:47am

How come I can only see 2 pages of posts in this thread !?

BaldiePablo · 30-01-2006 12:55pm

Dunno Chief ... I see 8

Henry Ford III · 30-01-2006 1:06pm

The premiums you bikers are paying are plain scary.

They Make motor insurance on cars look almost cheap

Tree · 30-01-2006 1:10pm

im paying about a third as a named driver on the mothers dinky of what im payin for my own bike bearing in mind im on a second provisional on the car and 6 years driving bikes(2 w/ full licence)

Harley Man · 03-02-2006 2:14pm

I've been trying to get quotes, but I have not had much luck.

I'll be moving to Ireland this summer and I have been researching about transfering my MC license over to Ireland. No can do, so I have to start from scratch and the restrictions placed on the Provisional and Full license are depressing.

I ride a 1999 Harley-Davidson Wide Glide that I plan on shipping over when we move. The quotes I've been reading here scare the hell out of me, but I guess you have to pay the piper to enjoy the roads on 2 wheels. I've taken Advanced Rider courses in the states, but none of this will apply in Ireland, so I'll probably take them in Ireland if they help reduce the premiums.

:cool:

madrab · 03-02-2006 3:42pm

you think the insurance is bad over here, wait till you see the roads

Harley Man · 03-02-2006 4:18pm

I've been driving there for 17 years while on vacations. I admit, some of the rural roads are nasty, but many of the main roads have really improved.

The kicker for me is that all my experience on Harleys, being a road captain for my local club, Experience Rider course, etc. does not mean diddley for me when I move. I have to start from scratch with a provisional and then get my full license. I'm still trying to find out if I can use my Harley based on the restriction.

One saving grace is that I can ride on my US license for 12 months. I'm just not looking forward to shelling out a lot of money for insurance. Over here I'm paying about $380.00 for full coverage.

Harley Man · 07-02-2006 4:30pm

I was just quoted 823 Euro by AON for full comp on my 1999 Harley. This will be reduced further after passing an Advanced Rider course and building up the no claims discounts.

tk123 · 07-02-2006 5:21pm

Make sure you get the quote in writing(probably hard since you're in the US) - they have a habit of changing it when you actually go to take them up on the offer!

Motorbike insurance - tell us your quotes

Comments