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[tunnie]

Completely forgot it was due, got a txt to say it was due in 7 days. Phoned up, got price of £365 for year, I'm not ad old fart like some, so I still have big prices 

I'm 27, the bike is a 2006 BMW GS, kept at my parents in Northamptonshire in a garage. Usual legal cover, 5k miles, green card & pillion.

I'm about to do the usual ring around, but any thoughts/ suggestions?

[Sir Tigger KC]

What's the increase? 

[tunnie]

Its a fall of £35...

[tunnie]

Should add its only 3 years NCB, as I passed my bike test in 2009

[SJKOO01]

Okay, so this may seem daft to say... (but what the hell I'll say it anyhow )

Are you a member of any BMW riders club, have an Advanced Riders certificate, whereby you can get a discount, or tried some specialist bike insurance companies to see if you can get a better deal than the one you have?

Have you looked on the quote to see if the insurance company has added any extras that you didn't ask for as a default? - Example European breakdown cover, key loss / replacement cover that you could contact then and ask if it would be cheaper if you take off some of the added extras that you won't need?

Well it is only just an idea anyhow

[tunnie]

I'm staggered, I was asked about value of the bike. I'd not looked in ages, I paid just over £6k for in 2009.

Checking Autotrader:

http://www2.autotrader.co.uk/search/used/bikes/bmw/r1200/postcode/tw89de/radius/1501/keywords/2006/sort/priceasc/page/2

They are still going for same money, hardly fallen in value at-all 

[tunnie]

Okay, so this may seem daft to say... (but what the hell I'll say it anyhow )

Are you a member of any BMW riders club, have an Advanced Riders certificate, whereby you can get a discount, or tried some specialist bike insurance companies to see if you can get a better deal than the one you have?

Have you looked on the quote to see if the insurance company has added any extras that you didn't ask for as a default? - Example European breakdown cover, key loss / replacement cover that you could contact then and ask if it would be cheaper if you take off some of the added extras that you won't need?

Well it is only just an idea anyhow

Thanks

I'm not a member of any club, but i do pay for BMW warranty, its a sort of insurance. Basically if any non-service part fails, its replaced free, parts & labour. Things like final drive, electrical stuff, ect all covered, plus I get Europe wide breakdown with that.

Current insurance gets key cover too.

Tried Carol Nash, do get AA cover including Euroland, but they want £440

[SJKOO01]

Trouble is that any form of Car/bike/van insurance these days is a complete gamble, there is no logic to it all, and we the owners of such vehicle that do bother to abide by the law will always get stitched up good and proper

I'll give you an example of what I had regarding my insurance for my Mig.  Mature driver with over 25yrs driving experiance (not all in one go though ) full NCD over 20yrs, yet for a 2.2 sport spec they wanted to charge me around the £500 TPFT mark.
Just for fun I put the details in to see what it would come out at for a BMW 3L worth 15k, everything else the same and it came back around £480 Fully Comp - Work that one out

Have you tried these by any chance?
www.bikesure.co.uk

Ohh... Forgot to say, if you only do limited amount of miles on your bike, maybe worth going for a 'limited mileage policy'

[tunnie]

Have you tried these by any chance?
www.bikesure.co.uk

I know, I went from a Yamaha 660cc, worth £2k, to a £6k BMW, the insurance price was the same 

Will give them a ring 

[tunnie]

Have you tried these by any chance?
www.bikesure.co.uk

I know, I went from a Yamaha 660cc, worth £2k, to a £6k BMW, the insurance price was the same 

Will give them a ring 

Called them, would only give a quote based on my place of residence postcode, not where the bike is kept. As I live in London and the bike is based in Northants, makes for a big difference!

Thanks though, always worth ringing around

[aaronjb]

I'd always wondered how much bike insurance is for newer, younger riders - the only costs I'd ever seen were from old farts more experienced riders.

Interesting - not as cheap as I thought it'd be! Though I suppose it's a big bike for 'only' three years experience?

[tunnie]

I'd always wondered how much bike insurance is for newer, younger riders - the only costs I'd ever seen were from old farts more experienced riders.

Interesting - not as cheap as I thought it'd be! Though I suppose it's a big bike for 'only' three years experience?

Yes, thats the problem I think. It appears cc does not make much of a difference, think type would be, if I went to a 1200 sports would be different to a 1200 tourer.

So far Carol Nash only one close, BMW own insurance wanted £700 

I'm fairly happy with £360, given only been riding 3 years with quite an expensive and desirable bike, I'll pay it off in one go.

I know the angry fat man's policy is not even into 3 figures. But then again he is old..... and fat 

[sticka_v8_init]

ve you tried these  http://www.bennetts.co.uk/

[doz]

Try MCE. I've got a 57 plate Sprint ST 1050. Two years no claims. 500 excess. 6000 per a year. 216 quid fully comp.

[albitz]

my CBR600 is £110 p.a. fully comp with Hastings Direct.