The BSA A7-A10 Forum
Bikes, Pictures, Stories & more => Chat, Offtopic & Everything Else => Topic started by: Billybream on 18.06. 2017 09:46
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Shopped about for insurance and just got a good deal from Carol Nash.
£110.00 for fully comp. with legal cover and breakdown and recovery.
All paper work via post and free offer on DNA.
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I'm not wise in the ways of mc insurance where you live but that price sounds pretty reasonable
S
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...DNA.
Not knowing what DNA was short for I searched for keywords 'insurance' & 'DNA' and came up with this page.
https://www.google.co.uk/search?q=Insurance+DNA&ie=utf-8&oe=utf-8&client=firefox-b&gfe_rd=cr&ei=7ZdGWfOHKqLc8AeZtpy4DQ
Looks like folks have had problems with DNA insurance.
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I could be wrong, but does it refer to the free Datatag security marking?
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Carole Nash's dna is a small bottle of " smart water " that you dot on your bike and will identify it to the police. Very useful.
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Carole Nash's dna is a small bottle of " smart water " that you dot on your bike and will identify it to the police. Very useful.
But they only give you one even if you are paying a goodly chunk more for a multi bike policy.
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I can recommend Peter James for insurance I have 2 bikes a 1956 A7 and a 1963 A65 the cost for both bikes is £89.30 that includes fully comp, legal cover and breakdown cover when I only had 1 bike and then got the A7 they increased the total insurance cost by only £15 to cover both bikes. I have used their breakdown cover once and they arrived in about 40 minutes and apologised for the delay, saying the they found the industrial estate that I was on but because of road works they had to go back and come in from a different direction.
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Hi Bikerbob.
I was with Peter James and paid £105.00, but renewal was £112.00 so hence switch to Carol Nash
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When we moved to Royal Leamington Spa from Great Malvern three years ago our car insurance premium went up considerably. I believe the reason for this is that we have a CV postcode, which is derived from Coventry post area. Despite being 8 miles from Coventry I think its dodgy reputation affects all our motor insurance premiums! *sad2*
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Every year I get quotes from carol nash and footman james as the supposed specialist in the market with supposed special deals for club membership. If they came close I would consider them as the clubs get a commission from sales. But up until last year they would not insure my son Luke (under 25) and this year their quoted premium was double what I got else where and all those 'Special' things like break down agreed European cover I got those too. So I am very disappointed with the big boys. I am not very loyal and am with Peter James this year £330, a bit dear but includes 3 bikes with all the extras and Luke.
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Carole Nash for me, 2009 1800 Goldwing, 1975 Norton Commando, 1960 A10 all in including breakdown recovery in UK and Europe £263. I think that's really good value for a 71 year old.
*beer*
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Say something terrible happens to your bike, it is completely destroyed. Maybe a train falls on it.
How does insurance work over there?
Here, they will basically try and tell you your bike has zero value (or little value) because it so old and pay you a couple pennies for a dollar of value. Or worse, tell you your 1936 UL Harley is worth exactly the same as a 1997 Honda whatever- they are both motorcycles and both over 20 years old. Must be the same thing....
We have places like Hagarty's, its an "agreed on value" insurance. You and they agree on a value of the vehicle, then you pay premiums based on that. If they say your bike is worth 50K, and you think 60K is more like it, you can bump up the value and pay premiums for 60K and they will cover.
I guess there are some limitations, miles per year, not a business vehicle, you promise not to park it near a big soccer match, etc.
Do you guys have anything like that over there?
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My two-pennorth; Two different brokers (maybe more) offer cover underwritten by the same company.
One policy states that in the event of your pride and joy being written off, you will be paid out at market or an Agreed Value depending upon what you've stipulated when you took out the policy, in addition to which you will be allowed to retain the salvage. After all, the bike is yours.
The other policy is as above BUT, after the payout, THEY will take ownership of the bike but you will be offered the opportunity to BUY back the salvage. Remember BOTH policies are with the SAME underwriter. Naturally, I asked the question as to how that can be, and the answer was "its just the way it is"
Personally, at renewal time I find bike and every other necessary insurance aggravating and it's very tempting to just renew and take the pain. Of course, I always attempt to improve the deal sometimes with success, and sometimes its a "take it or leave it" situation. Insurance for my Honda CB500 is up for renewal, and I find theres a 10GBP "renewal fee" stuck on the end of it!
GRRRRRRR!!!!
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I used Peter James a couple of years ago, when the premium for 3 A10s to be ridden either by me or my two sons (around 30 years old) and including European breakdown cover was just £170 comp and unlimited mileage.
At the time I thought that to be a bargain.
When I requested a classic car quote their offer was way too high.
I still struggle to rationalise the insurance business and, like many, put in the effort to shop around. It's invariably worth doing.
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I have been with Carole Nash about 15yr and stil shop and get quotes but can not find any other to match as yet. once tried their 6 wheel policy but I have to say they failed miserably on that one .....quoted took my premium and then 6weeks later sent letter cancelling policy as they don't insure commercial vehicles , its a transit van used as a private car /camper for gawds sake .
They refunded money in full and gave a discount to new policy for bike which was Suzuki 1400, now I have the A10 they have set up a Classic policy on that and added my Suzuki to that plus my little Bantam all for under 200 quid including breakdown cover so im not complaining as its not far off what I was paying just for the Suzy
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Hmmmmm - I'm paying over £400 with Carole Gnash. That covers 10 bikes, mostly old but with the inclusion of a modern, a ZRX1200R, which I presume might inflate it. I'm not a young man, and not yet so old as to be considered an outright liability.
With car insurance I shop around, with the bikes it's hard to find the enthusiasm for going through that many details.
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Banks/Financial/Insurance once respected are nothing but legalised mafia full of corruption, greed and a law unto themselves.......
I had a 5% discount insurance voucher as a member of a certain club, went through the quotation process, only at the end did I mention I was entitled to the discount did they say they had already taken it into consideration - did they see me holding my voucher down the telephone line?
Two years ago someone reversed into the side my car causing nearly a £1,000 damage - I was not in even in the car at the time. The person admitted fault and insurance details exchanged and I claimed from that person's insurance company. One is required to inform one's insurance company, even for no-blame accident. Despite being not to blame, insurance companies may put up the next renewal cost - not well known fact, only learned about through this experience.
All he best...
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You have to be absolutely sure you've dotted all the i's and crossed all the t's BEFORE you accept the policy, as cancellation fees are, in most cases, prohibitive, not to say unjust and bloody infuriating👹
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Your right there Zander, 5yr ago I took out a policy with a company( no names but its a bird like a Swallow ) for my car , Fully comp, Fella says and what do you want to insure as ? Social Domestic and pleasure I says............I read an article on insurers 6mth later and checked my policy wording and sure enough because I had NOT said the word COMMUTING I was not covered for going to and from work ! Rang up and queried it and no I would not have been insured if I had a bump but they don't tell you they have changed things and you must ask for every thing..........and yes your right to have it added on price went up for the last 6mths but they did not get any more business . Check Your Policy Now !!!
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Most insurers cover the following options:
1. Social domestic and pleasure (SDC)
2. SDC and commuting to a SINGLE PERMANENT place of work
3. Business use, which covers 1 and 2 above plus commuting to different places of work and/or visiting clients etc. (even accepting an invitation from a customer to a social event!)
Good point about reading the policy. This of course applies to EVERYTHING! Mortgage, other loans, holiday bookings, hotels, phone, broadband...I could go on.
Most of us just tick 'yes' to confirm that we have read and understood the terms and conditions. This is usually because they are several pages long and in small print! Insurance must come with a "key facts" document which is compulsory reading even if you don't read the whole policy.
Paul
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i have been with saga for a few years but received a letter saying no longer do motorcycle insurance passed your details to bennets
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I'm certainly not saying Insurance companies are whiter than white, far from it ! but sometimes people don't do themselves any favours . I write protection policies to cover mortgage amounts and I have had people blatantly lie to me about there weight , beer consumption and being non smokers . We just point out to them that the policy won't payout so why waste good money on a fabrication so I have no doubt that a lot of riders do try it on.
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Sorry got distracted by work interfering so didn't finish my prev post . What I was heading to is the fact that some people will be a little conservative with the truth and when dealing online /by phone the people at the other end don't give advice/dig for more info, they just read scripts prepared by slimmey legal eagles to allow them max sales/ least exposure to compliants ,coupled with real customer dissatisfaction at ins companies.
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i phoned carol nash to get the yonda who is now named urma insured, URM ***X i was on the phone listenening to the usual garb and music for over 7 minutes. After a long conversation and the chap repeating things to me i ended up with betsy the beezer and urma being insured for the same price as they wanted for the renewal of betsy's insurance price alone . Two for one, good result but the phone call was £15 so urma has cost £15 to insure. result!! *beer* i love the smell of napalm in the morning , it smells like Victory *fight*
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Hi All
Insurance premiums are a lot more expensive over here in Eire compared to UK
I have five bikes insured TPFT with Carol Nash at the moment the premium is about €285
The other week when I went to insure the MGB I first tried AXA who have our other cars and van insured
Their "minimum" premium was €260 for TP and €368 for comp
Bo**ox to that, I phoned Carlo Nash and got a quote for €201 for comp cover. I went with that as I was in a panic to get the car on the road for that weekend.. The underwriters for the CN policy are AXA *conf2* *conf2*
John
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What gets me is the constant bumping up of premiums at every renewal despite a continuing good record etc. I rotate all my insurances every year now between the same few companies here that I have at least some faith in. Generally I get around 25% off the renewal premium every time as I now count as 'new business' despite having been insured with them multiple times over the years. It makes no sense but certainly pays to shop around every year.
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Without wishing to state the obvious, offering the cheapest insurance cover isn't necessarily the way to judge who's "best".
How they perform when a claim is put in is a better way.
CN have been great for me in that respect over the years and long may that continue, but their yearly price increases and £40 "change a bike" fee really p*sses me off.
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rex carol nash tried to put mine up last year by about 40£ untill i phoned them for a rant!, then they came back with the same cover for 2 pound less than my payment for the year that was ending. result-- have a rant.
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Insurance companies consider that after a no fault accident, you are more likely to be involved again, hence raising your premium. What a load of b@@@@@@s.
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Same with me Berger, CN increase was over £50.00, after phone call, £2.00 cheaper than last year
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Insurance companies consider that after a no fault accident, you are more likely to be involved again, hence raising your premium. What a load of b@@@@@@s.
Indeed but they have all the data and as we know there are lies, damned lies and statistics… They have a captive audience and can say whatever they like. They even have a term for your part in a technically not at fault situation and apply a percentage for the degree of “ contributory negligence” they can lay at your door. I kind of get it I mean we’ve all known these people haven’t we?…the ones who’ve “never had an accident but seen hundreds!” (just to be clear, I’m not suggesting you are one of them!) *smile*
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I'm considering doing the IAM, (driving) course.
https://www.iamroadsmart.com
I know passing their test is not easy. Have any of you done it? I'm told that holding that qualification can reduce your insurance premiums.
I've held a full car licence for 54 years.
As I'm in my 70's I worry that in any car 'incident' my age might be cited as a contributing factor. I consider myself to be a good driver, (doesn't everyone). I've not had any vehicle convictions since I was in my 20's.
When I bought my current BMW, I insisted that I have one with indicators fitted. I know they are not common but the dealer managed to find one for me.
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greybeard what about other convictions *lol* *grins*
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greybeard what about other convictions *lol* *grins*
Shush, you promised me you wouldn't bring them up.😳
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G'day Fellas.
I had a pleasant surprise when organizing insurance for our new cars. Down here if you incur demerit points on your license (booked for speeding and now on "good behavior" *whistle*) the premium rises.. The young lass went to ask her super and came back 5 minutes later saying "No Mr A your premiums will remain the same" *smile*
I luv Shannon's.
Cheers