Bike insurance

[Greybeard]

My bike insurance is due for renewal. I'm trying to decide whether I should delay renewal. I think I only rode my bike for a local pootle once last year. What are you folks doing about bike insurance?

[BigJim]

Paying a fortune for 3 bikes and 4 riders. Especially upsetting during lockdown. Am lucky to be able to afford it, my younger self would look on with envy. Go for it GB, the sun's coming out soon and it's legal to shop. Also you'll want some sort of fire or theft cover?
 

[RichardL]

No good gatherings to go to last year, but I got out a little more frequntly than once every two weeks when the weather was good. Basically, just riding normal circuits in the surrounding area to enjoy the feel and remind the bug world who's who. Therefore, I keep my insurance up to date.

Richard L.

[Rex]

As said above, whether you're riding or not, theft and fire can strike at any time, and you can bet the day after it lapses some scroat will break in..

[morris]

Can't you get an insurance via a club membership or something?
For both bikes and the Isis I have an insurance through the BEHVA (Belgian Historic Vehicle Association, a bit like FBHVC in the UK)
Yearly BEHVA membership is €27, first insured vehicle is about €72, all others are +€27 each with no limit on the number of vehicles you insure
Note that this is just basic coverage for damage to others, not to yourself or your bike.
There is the possibility to get more extensive cover but of course you'd pay more.

[RDfella]

Can you get a cheaper 'off the road' renewal? I've done that sometimes with cars being restored.

[Greybeard]

I hadn't considered the theft from home aspect.

Footman James are asking for £172.36 for the renewal. That includes a £20 arrangement fee FFS!

I have only one bike.

What do you UK chaps pay and who are you with?

[Joolstacho]

Shannons cover my old bikes, 5 of them for about $250pa

[terryg]

GB it sounds very much like it’s time to shop around. I tried a quick online quote through Peter James this morning and got £114 for fully comp at 1500 miles. I’d expect to do better than that with a bit more work.

[Rex]

I hadn't considered the theft from home aspect.

Footman James are asking for £172.36 for the renewal. That includes a £20 arrangement fee FFS!

I have only one bike.

What do you UK chaps pay and who are you with?

Five bikes total value £41500 with Carole Nash for £312.
I was with FJ until I discovered the hard way that their breakdown service is with the RAC, and they (RAC) were happy to leave me and my ancient Royal Enfield broken down by the side of a busy road on a freezing Saturday night from 7pm to "hopefully just after midnight sir, and if that's too long maybe leave the bike and get a taxi home?". Pr*cks.
Taking the ferry journey time out, the CN recovery scheme brought me and a bike home from Normandy in far less time than that.

[Billybream]

Another vote for Carole Nash, paid £109.00 for single bike fully comp, agreed value,  with recovery, both UK and Europe. Tried to remove unwanted Europe element, but its standard feature.

[RoyC]

I have just renewed my one bike with FJ for £252.67.

Renewal premium                     =  £ 190.67
Nil reductions salvage retention =  £   15.00
Agreed Value                            =  £   12.00
Excess protect                          =  £   15.00 
Arrangement fee                       =  £   20.00

Total                                         =  £ 252.67

I will soon have another one to fork out for.   

[Angus]

I have always found Footman James very expensive, nearly twice other quotes the last time I tried them. I have been with Peter Best, Lexham + one other since I got the A7 back on the road. Last couple of year with Peter James, last renewal 4 bikes, fully comp, agreed value, recovery etc etc. £180.

[Black Sheep]

Moved from Carole Nash to Peter James. Saved me about £300... Recovery is with AA. Hope never to need it.

[Greybeard]

I have AA, (Automobile Association) membership for my vehicles. For the bike I'd only want recovery. Mind you I'm not looking forward to the inevitable stupidity when despite my insistence that the dispatcher send out a recovery vehicle they send out a chap to attempt to repair the bike followed by another wait for the recovery truck.