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Post by safeway56 on Apr 1, 2012 9:42:57 GMT
Hope somebody can help with this problem I've got...I'm acting as guarrantor to my 25 years old grandson who is about to qualify as a doctor and he needs transport to be on call for the last stage of his qualification...The problem is that I've never been on a scoooter in my life and the scooter will be in my name with my grandson as a named rider...We are due to take delivery of the machine next week and I'm fearful of not being able to take it away from the dealer without my having to prove my competence even as a novice rider with no intentions whatsoever of ever riding the machine. Can anybody please advise me of the legal situation I find myself in.I do not want the insurance in my name.
Thank you
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Post by sbwnik on Apr 1, 2012 23:27:41 GMT
It'll need insuring in his name, no matter how you go about it.
I'd ask the shop to deliver it.... from there it's out of their hands.
Legally, as far as I know (with 30 years of scooters behind me to support this), you only need insurance if you're going to ride the machine, not just for owning one. I'm not sure how you'd stand if it was stolen though, I'd talk to a local insurance broker for advice asap.
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Post by kru251 on Apr 2, 2012 13:39:06 GMT
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Post by Robjack on Sept 20, 2012 14:42:45 GMT
Anybody having trouble renewing?
I got a letter from Bennetts telling me that I don't fulfil their criteria any more and they wouldn't be giving me a renewal quote.
Went on a comparison site and out of about 20+ companies, only 4 would consider me, the rest just spout out the 'do not fulfil our criteria' line. This apparently is to do with modifications to the bike which amount to an Ancillotti seat and a SIP road pipe. I didn't even mention the seat grab rail and non standard mirrors. I have full no claims and am a boring old fart as well.
I eventually renewed with Swinton over the phone (£97, price fans) and this was only after some "I need to speak to my supervisor about the exhaust" type shenanegins.
So who out there has a completely standard scooter then?
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Post by kru251 on Sept 20, 2012 18:48:25 GMT
I remember being asked when renewing motorcycle insurance if there were any performance modifications.. No I said (true as 118bhp was enough for me).
She then asked if I'd uprated the brakes. Again I said no, but would it lower my insurance if I did (in my head, better braking = better stopping and less likely to hit something).
No, it'd put the cost up! Why says I? It's because it might encourage you to take greater risks and go faster knowing you can stop better!!!
I said could I get my insurance for a lot less then if I took the brakes off and threw them away.......... then I put the phone down!
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Post by sbwnik on Sept 20, 2012 20:24:37 GMT
I've all but stopped using price compare sites now, you need to talk to a human. Or something close anyway.
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Post by Robjack on Oct 4, 2012 18:34:56 GMT
Update:
Bennetts have rung me to tell me they have had a re-think and they will now allow me the privilege of renewing with them.
Erm, how does 'kiss me swingers' sound?
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Post by sbwnik on Oct 4, 2012 23:34:04 GMT
It sounds like a perfectly fair answer to me.
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Post by joey on Oct 11, 2012 0:18:40 GMT
Carole Nash every time.......... not the cheapest but quite possibly the best, and no I'm not on commission.  The only problem I've had with them is their renewals, silly prices........... wait for their phone call and then haggle like f**k......... last year they wanted £157 fully comp, got them down to £99 then had to add £18 for riding other bikes, £117 in total, but that includes full Euro breakdown. |
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Post by sbwnik on Oct 11, 2012 2:00:23 GMT
Interesting. I've never had anything but taking the p*sh with Carole Nash, their lowest ever was about £15 more than I ended up paying, their highest almost double.
It's the usual thing about age/experience/location/value of machines though I suppose.
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Post by kru251 on Oct 11, 2012 23:03:18 GMT
Yeah, Carole Nash best for me but with five bikes and the expensive one being the Ducati 916 I thought 420 fully comp was OK. Most companies on multi bike policies would only cover for four bikes max at any one time. Worst part is the extra fees if you change the policy ie. add a private registration plate say to one bike or sell one bike and want to add another in its place  |
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Post by bryno on Oct 26, 2012 12:19:21 GMT
my 2p worth Dropped Carole Nash this year, now with Footman James They dont charge for additional classics if you are a 'club' member, you just pay for one bike, Carole Nash charge a bit more for each So I joined the veteren scooter club for £10 and got 3 classics covered on agreed value for £130 Stiffed me when I added my modeern bike though |
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marco
2nd Class Ticket
Posts: 38
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Post by marco on Oct 26, 2012 15:44:40 GMT
tried to add my new T5 to my existing policy with CIA, they wouldnt add the T5 so another policy taken out, they told me you cant use your no claims on 2 policys, so a new policy with no no-claims, 113 squid, tpf+t, bleedin rip off!!!
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Post by kru251 on Oct 26, 2012 21:21:56 GMT
Bryno.
Got my Caterham 7 with Footman James and they've been OK so far with me for about 6 years. Classic policy etc..
It was the 916 Ducati that made my policy with CN a bit more. Now sold it and a 20bhp Lammie is taking its place once the porting to the reed valve set up is correct etc.
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Post by bryno on Oct 29, 2012 12:19:27 GMT
Slightly off topic but... my Caterham is with REIS (as I get track day cover), I hadn't thought to put scoots, car and bike with the same insurer but I guess Footman James could do all that and there may be multi policy discout?, I'll try that in the spring..
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Post by kru251 on Nov 2, 2012 11:27:02 GMT
OK, way-off topic, but my Caterham is set-up as "The Prisoner" due to my first seeing the Lotus 7 on there!!!  |
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ktm640
2nd Class Ticket
Posts: 15
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Post by ktm640 on Nov 27, 2012 22:12:28 GMT
Back to insurance just insured my super 125 fully comp with Bennetts for £50! In fairness I fart dust and have a garage and a reasonable post code with 3 years ncb.
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redet4
2nd Class Ticket
Posts: 1
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Post by redet4 on Jan 2, 2013 16:07:35 GMT
First ever 2 wheel quaot on 2001 ET4, 44yr old 'virgin' riding on CBT.
Decent prices from £111 up to £200+ but amazing T&C's
Cheapest (MCE) has excess of £750 - is my scooter even worth that much?
Best excess is £150, but from eBike. Any others had bad service when claiming? We all hope to never claim, but expect proper service when we do.
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Post by jakeh333 on Jan 3, 2013 21:53:10 GMT
Your quotes all seem so low! Mine is £79 a month! With a £500 excess. But tbh being 20 and never owning a vehicle in my life doesn't help . It also is a brand new px with theft cover! |
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Post by kru251 on Jan 4, 2013 7:49:06 GMT
Your quotes all seem so low! Mine is £79 a month! With a £500 excess. But tbh being 20 and never owning a vehicle in my life doesn't help . It also is a brand new px with theft cover! Yep. age (and therefore what's seen as potential youthful exhuberence) and a brand new vehicle with a higher repair costs etc = higher premium. About the only advantage to getting older is cheaper insurance.................................  |
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Post by markbsac on Feb 22, 2013 22:25:35 GMT
carol nash 3 scoots inc breakdown 193 quid
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Post by james04k on Mar 20, 2013 7:49:34 GMT
scooter insurance tends to be cheaper than car insurance and this is also a reason why many people are preferring this alternative type of vehicle.
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rob1967
2nd Class Ticket
Why does mine always stop running?
Posts: 34
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Post by rob1967 on Mar 25, 2013 14:05:35 GMT
MCE for me.
107 quid for 15 months on a 1982 P200. Including breakdown, helmet, leathers and something else that memory has let me down on!
I don't wear leathers but if a claim goes in I will claim like I dress like the "Gimp" in Pulp Fiction!!
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Post by kru251 on Mar 25, 2013 22:58:17 GMT
Nah Rob1967. I'm sure I've seen you out in your biker "Power Ranger" gear ? |
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Post by 325iman on May 6, 2013 12:51:51 GMT
I used Bennetts
Cost me £ 72 for my tuned P200 with all declared but thats with FNCDiscount and riding bikes over 600cc for years
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sladey
2nd Class Ticket
Posts: 21 
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Post by sladey on Jan 17, 2014 16:26:11 GMT
£82 with Bennett's.
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Post by henri on Mar 29, 2014 9:16:29 GMT
just a add on ,for first reg of scooter imported/lost reg number. went with carole nash for fully comp no 'no claims bonus',am 47 an its a garaged 150 super 1976,cost 145 quid ,an when dvla give me reg number will change it for free an after 28days on chassis number downgrade policy to just fire n theft til reg turns up .all others either wont do it on chassi no(bennets)or cancel after 28 days an charge a fee,apart from footman james who want a update every 28 days an after 3 months cancel policy an charge ya 50 quid ,apart from nash all want atleast 25 quid to put reg number on policy .HENRI
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Post by vespasco on May 7, 2014 21:16:02 GMT
Has any insured their Pinasco 225? Like, officially.
If so where etc.
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Post by henri on May 11, 2014 12:57:44 GMT
bennets is where ive insured altered/customised/kitted scoots an bikes before ,they have a dropdown menu that covers most alterations/upgrades,otherwise check adverts in custom bike/car mags for specialist insurance companys.H
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Post by vespasco on May 12, 2014 12:47:40 GMT
bennets is where ive insured altered/customised/kitted scoots an bikes before ,they have a dropdown menu that covers most alterations/upgrades,otherwise check adverts in custom bike/car mags for specialist insurance companys.H Thanks Henri  |
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