Insurance time again

dave the german · Post by **dave the german** » Sat Jul 11, 2015 1:39 pm

Any Trixters got any recommendations for multi bike insurance? Picking up a new GS in a couple of weeks so the Honda is going. Tried BMW multi bike policy, Bennett's and my present insurer, Aunty Carole up to now and Aunty Carole comes out best at the mo. Still got a week or so to phone around

ianbcr · Post by **ianbcr** » Sat Jul 11, 2015 3:12 pm

I am in the same situ, usually go with mce, they want £240 for the beemer and tlr, all the online sites only do it for single bikes I put it in for the bm and could insure that for £70 full comp, but if you take out single policies you can only have your no claims on the 1 bike. so if anyone knows how to multi online without the hassle of ringing around.........

Blackal · Post by **Blackal** » Sat Jul 11, 2015 3:30 pm

I think it was MCE I called and they said that their "multi" bike insurance covered 2 bikes only?

I went again with Carole Nash, who made a complete clusterfcuk of the whole process, and by the time they sorted it out - I had 3 months' free insurance in the interim. (mind you - only a claim would have shown up if I actually had cover from an underwriter

).

Bikesure had quite a few shitty restrictions: Bikes had to have a ground anchor in garage, and Euro-cover was limited to a couple of weeks, so further trips would cost more.

If anyone can suggest someone else for 4-5 bikes, I'd be keen to know.

Al

GerryB · Post by **GerryB** » Sat Jul 11, 2015 3:45 pm

I have just done this exercise .

Bennetts went from 280 for 2 bikes to £500 ......

I went the whole investigation route , settled on Bikesure , seemed best all round , threw in £12k personal injury payment as well . £230 for the year .

Mine is slightly more complicated , because the KTM is kept in a secure lock up , at a different address , the guy was cool with that.

All the others fretted and said they couldn't do that , I must keep them both on my drive way , or live in my lock up ....

It seems that taking extra care for security is not part of the pc tick box ....

Boxered · Post by **Boxered** » Sat Jul 11, 2015 4:14 pm

ianbcr wrote:so if anyone knows how to multi online without the hassle of ringing around.........

Try Ebikeinsurance, they allow up to 4 bikes and up to 4 named riders

http://www.ebikeinsurance.co.uk/upto4drivers.php

I've never used them mind, so I don't know if they're any good when it comes to a claim.

Steve

Hayden · Post by **Hayden** » Sat Jul 11, 2015 6:58 pm

You only find out how good an insurance company is ( and whether it was worth the money

) when you have to claim.

a couple of years back when momentarily the Welsh scenery inexplicably `shifted` causing me to loose control....

Carole Nash were excellent, would totally recommend them

Blackal · Post by **Blackal** » Sat Jul 11, 2015 7:15 pm

When you have a claim - you are then dealing with the underwriters, not the broker. Your treatment will depend upon which underwriter provided the cover, and the broker will have very little (if anything) to do with your ongoing claim - is my understanding.

Al

dave the german · Post by **dave the german** » Sun Jul 12, 2015 3:37 am

Al, Carole Nash say they'll insure up to 4 bikes - I have 3 with them at the mo. Bennett's say they'll insure up to 4 but the quote they gave me was a single policy using my no claims on the GS and the 12 and BCR on a policy starting with 0% NCB - I suppose that would mean I could ride either the 12 or BCR along with the GS at the same time as they are effectively 2 separate policies? Oh, and they wanted over£700!!! Looks like Aunty Carole is going to get my business again

Blackal · Post by **Blackal** » Sun Jul 12, 2015 6:40 am

Thanks Dave - I have 5 insured via CN, but a lot more than £700.

Will hopefully be down to 4 next year, and be prepared at least a month before renewal.

I'll see if insuring them in pairs, even through different brokers - could be advantageous.

Al

Herb · Post by **Herb** » Sun Jul 12, 2015 8:52 am

Blackal wrote:When you have a claim - you are then dealing with the underwriters, not the broker. Your treatment will depend upon which underwriter provided the cover, and the broker will have very little (if anything) to do with your ongoing claim - is my understanding.

Al

When my mate crashed in France last year Carole Nash sorted everything out and were very good. While the claim itself might be with the underwriter, the bigger brokers offer certain added value services that can make a huge difference, especially if you happen to be in a hospital bed at the time.