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UK insurance pains

4907 Views 19 Replies 8 Participants Last post by  amoslws
Hi - I'm still struggling to insure my SS-S at the end of April ('17) here in the UK. 90% of the brokers I spoke to could not even give me a quote since the Supersport is not yet in their database. I spoke to Bennetts, eBike, Ducati Insurance, MCE and one more that I forgot about in the fog of war.

This gave me an excellent opportunity to judge their customer service side by side - all were going to communicate back to their underwriters for a quote and promised to call me back. Only ONE company actually called back (Ducati, only to tell me they'd have to call me back again later :). Only eBike (my current insurer) and Ducati treated me like a person whose money they were interested in getting.

I had no problems insuring my previous bikes, but all of a sudden there are issues left and right - like one brought up they generally don't insure bikes in London for example because of theft. Eh ok - this is why I need insurance...

Now it seems I won't get it on the road until Tuesday. Tears.
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I had same problem, other than Ducati Insurance who gave me a great quote.
Try Carole Nash. Expensive, but that may be due to other factors - like my age.
Try Carole Nash. Expensive, but that may be due to other factors - like my age.
I tries CN, they wanted twice as much for a Supersport as if I wanted to insure a new model Fireblade?
steeve, you seem to have done well with Ducati insurance but they quoted me £60 more than CN. Last year Bennetts insured two bikes (GT1000 and new 1200 Thruxton) for about half what I'm paying for the Supersport alone. I shall grin and bear it - at least it got me riding the Supersport - and look for sensible quotes on renewal next year. The main reason for the high cost of insurance, I was told, was because it was such a desirable machine the possibility of theft was very high, as is borne out by posts on this forum.
Insurance has been a total clusterf**k. It took Ducati Insurance three days to refuse me insurance because apparently you can't get insurance in London if you don't have a garage. I have been a unable to insure the bike so I am on the verge of not buying it. I'all just buy a VFR or something, it'll be easier.
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Have you thought about using a container park in a low risk area. I had my suzuki and lexus in a container in manchester for over a year and my premium actually dropped. Bike was with Bennett. They give great packages. Man my thoughts are with you. You could always move up north, humour is better and so too is the beer.
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You're not wrong about the humour and beer! I want to use the bike for commuting too, so it needs to be at home. I've been checking one of these out http://moto-box.pl/galeria-en/, just need to get it from Poland to the U.K.
My dealer told me my bike is ready to collect. I spent a long time in the phone today trying to get insured. Even with an Armadillo Box I couldn't get comprehensive insurance. The only offer I could get was £1000 for third party insurance with no theft cover. Seriously, what is going on here?

Ducati seems to have done a very bad job of getting their bike covered.
Insurance has been a total clusterf**k. It took Ducati Insurance three days to refuse me insurance because apparently you can't get insurance in London if you don't have a garage. I have been a unable to insure the bike so I am on the verge of not buying it. I'all just buy a VFR or something, it'll be easier.
Have you tried Cornmarket? You'll have to ring 'em though. I have not yet pulled the trigger and have had quotes averaging £800 up to £1495 (Ducati insurance) . Cornmarket (my current insurer) came in at £390 after a long phonecall. They had never heard of it but eventually rated it same as a CBR600RR. The VFR thing might not be a bad idea though. That's my current ride and ins + business use is £220. Riding the SS and the VFR back to back - there's not much in it really
I appreciate London can be difficult though, I live in the sticks with a brick garage so still reckon £390 is too much . No idea how Stevee got a quote of £175
I posted about this somewhere a week or so ago. I am (still) with Bennetts. My Diavel was £112 for the year fully comp - I don't live in a town which helps. Got silly quotes on the SS, up to £1k. Kept pushing with Bennetts and got £338. I needed the bike - well wanted/needed, so took this but it was cheaper than anywhere by several hundred. Called them back today having gone for an online quote out of interest. Got a base price of £182 with a massively reduced excess. They have changed the policy for the cheaper one, so I am a happy customer. If you go for an online quote, it will take a reg number for the SS (if you have one) but calls it something else, albeit 2017. So maybe worth a try?
I finally got insurance today. I spoke to my dealer and asked him how I can get a quote for a S1000RR but not a SS. He put me in touch with someone from Ducati Insurance who sorted it out. Obviously being in crime infested SE London where I've had a bike stolen in the past it comes in at substantially more than most other quotes on here - £1200 per year. There might be cheaper deals out there but I really can't waste any more hours on the phone.
Do you happen to be "the other guy" that Jonathan at Metropolis referred to Duc Ins?

I finally got insurance today. I spoke to my dealer and asked him how I can get a quote for a S1000RR but not a SS. He put me in touch with someone from Ducati Insurance who sorted it out. Obviously being in crime infested SE London where I've had a bike stolen in the past it comes in at substantially more than most other quotes on here - £1200 per year. There might be cheaper deals out there but I really can't waste any more hours on the phone.
I posted about this somewhere a week or so ago. I am (still) with Bennetts. My Diavel was £112 for the year fully comp - I don't live in a town which helps. Got silly quotes on the SS, up to £1k. Kept pushing with Bennetts and got £338. I needed the bike - well wanted/needed, so took this but it was cheaper than anywhere by several hundred. Called them back today having gone for an online quote out of interest. Got a base price of £182 with a massively reduced excess. They have changed the policy for the cheaper one, so I am a happy customer. If you go for an online quote, it will take a reg number for the SS (if you have one) but calls it something else, albeit 2017. So maybe worth a try?
Bennets have just been bought out by Saga. Any grey haired discount? :wink2::wink2::wink2:

I'm a week post back surgery so no point in doing anything now, plans on hold, hopefully will get on the databases soon
curious, just ran a quote with Bennets online, used reg no of the demo I rode, brought up the old supersport 1000 as the other bike you mentioned. Quoted £928. Just to recap 10yrs + NCB, brick garage, live in the sticks, do require business as have more than one workplace to commute to but only account s for about 500miles/yr if that, brick garage, clean licence, greying hair etc etc current VFR 800 is £220. I've run numerous quotes for 150-160bhp bikes and am getting £3-350, new Monster 821 (112bhp) is £220
Do you happen to be "the other guy" that Jonathan at Metropolis referred to Duc Ins?

I finally got insurance today. I spoke to my dealer and asked him how I can get a quote for a S1000RR but not a SS. He put me in touch with someone from Ducati Insurance who sorted it out. Obviously being in crime infested SE London where I've had a bike stolen in the past it comes in at substantially more than most other quotes on here - £1200 per year. There might be cheaper deals out there but I really can't waste any more hours on the phone.
Yeah, that was me :) He'll be glad to see the back of me I think, but he's been really helpful.
curious, just ran a quote with Bennets online, used reg no of the demo I rode, brought up the old supersport 1000 as the other bike you mentioned. Quoted £928. Just to recap 10yrs + NCB, brick garage, live in the sticks, do require business as have more than one workplace to commute to but only account s for about 500miles/yr if that, brick garage, clean licence, greying hair etc etc current VFR 800 is £220. I've run numerous quotes for 150-160bhp bikes and am getting £3-350, new Monster 821 (112bhp) is £220
Yeah, Bennetts are using the old SS1000 as a proxy, saying they will update it when the new SS gets on the system. I don't know what happens if you have an accident and you're not on that model
I'm the other other guy. Been on the phone with Ducati Insurance 5 times now and still waiting for them to get word back from the underwriter. This will be my fifth bike with none stolen in East London. Touch wood. It is incredibly draining. Going through the same 50 standard questions every single time.

Do you happen to be "the other guy" that Jonathan at Metropolis referred to Duc Ins?

I finally got insurance today. I spoke to my dealer and asked him how I can get a quote for a S1000RR but not a SS. He put me in touch with someone from Ducati Insurance who sorted it out. Obviously being in crime infested SE London where I've had a bike stolen in the past it comes in at substantially more than most other quotes on here - £1200 per year. There might be cheaper deals out there but I really can't waste any more hours on the phone.
Yeah, that was me
He'll be glad to see the back of me I think, but he's been really helpful.
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Just wanted to add this to the knowledge bank.
I had problems in October insuring a standard SS with optional QS. De-specced the QS and got a premium from Hastings Direct for £143.
I also have a 07 Monster S4R 998 of which there are only a few in the country. Also the particular model does not have an insurance code (unlike the S4RS and other variants) which made it uninsurable even with CNash. If you experience any issues like this can I recommend getting in touch with BeMoto. They can tailor insurance on specials at quite reasonable rates. I'm not thrilled by 209, but it was miles better than any alternative.
Just wanted to add this to the knowledge bank.
I had problems in October insuring a standard SS with optional QS. De-specced the QS and got a premium from Hastings Direct for £143.
I also have a 07 Monster S4R 998 of which there are only a few in the country. Also the particular model does not have an insurance code (unlike the S4RS and other variants) which made it uninsurable even with CNash. If you experience any issues like this can I recommend getting in touch with BeMoto. They can tailor insurance on specials at quite reasonable rates. I'm not thrilled by 209, but it was miles better than any alternative.
If I remember correctly, the UK insurers allow only 3 changes to the bike and they consider them performance improvements. Oh and those 3 are expensive.
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