Not sure how it works with bikes but car insurance should be changed every year. I had the same problem with Halifax insurance (who own esure) they upped my premium £400 for no reason. So every year, I phone around and get a better quote. It’s the best way to do it. I had a huge row with Halifax because I have my bank accounts, credit cards etc with them and I said it was a poor expression of customer service to someone who has been a good customer.
If any of you are civil servants, then try the Civil Service Insurance Company. They are a charity and don’t charge you interest for monthly payments and cheaper. They insure bikes via Carole Nash.
Shop around. You aren’t rewarded for being a long term customer anymore… you have to be new to get the best deals.
I use Devitt’s and, so long as you MAKE them requote the whole raft of insurers every year (not just go to the same insurer as last year) then they seem to be very competitive. Many people I know have swapped to them. They are not always the cheapest but their policies seem not to be too played around with. (Some nip bits out of the policies in order to get the price down and are under no obligation to tell you what’s missing, just what you’re getting).
An example: An East Sussex post code on an 06 Fireblade with 3 years NCD and £350 excess cost just £498. Can a London post code really make the difference you are seeing???:crazy:
Can a London postcode be treble what you’re paying? I just can’t see why. Anyway I used to use Devitts and moved to ebike when they happened to be cheaper. I’m phoning around, and Devitts are on the list. So far I’ve had £1800 from Motorcycle Direct (although they had to quote me on the RSV Factory, not the R that I have), and £1160 from Bennetts, so unless ebike budge it looks like I’ll be moving on.
OMG I was paying that much insurance on a metro van when I was 18… how come your bike insurance is so high? Mine was £240 fully comp with roadside cover with carole nash 600cc bandit… sheesh* over a grand! Sorry, I’m in shock.
Phew! (sort of) I managed to get something for £718 - H&R Insurance. Beats my old ebike premium. I only hope no-one comes back with a horror story now… I found H&R by going here http://www.thebikeinsurer.co.uk/ - one of those sites that takes all your details and serves up all the quotes.