"Free" Insurance

[Guest Nogbad]

So today I got my new registration number and duly called the H-D insurance people on the number given to me by the dealer, expecting to arrange everything ready to pick up my bike on March 1st......

 

If only life were so simple. I was refused cover because, get this, the bike was race kitted, and I don't own a brick garage. In fact, never mind the garage thing, the bike was offered with a free race kit and free insurance which cancel each other out.

 

So, I ring my current insurer of the V11 who is happy with my security arrangements. They will cover the Buell, but only if I take the race kit off.

 

I then ring a specialist custom bike and kit car insurer, and lo and behold I can get cover for the race kit AND my parking arrangements at a painful but not outrageous premium. (bear in mind my NCD is on the V11 policy and you only get one bite at that particular cherry).

 

So, I am now waiting for the dealer to come back to me. I have proposed they give me a cheque for the cost of the "free" insurance, and I will go with the policy that covers it all as is.

 

I await developments with interest...........

[mike wilson]

I'm not sure thetre is _any_ sensible, one-size-fits-all answer to the insurance problem. But be aware that some companies allow you to transfer some (if not all) of your NCD to another machine.

 

I was dead against it at first but I'm beginning to come around to the idea of "no-fault" insurance included in your excise licence. Just need to work out some method of retribution for plonkers and sociopaths.

 

mike

[Guzzirider]

If HD insurance are refusing to provide cover for any modified motors then they ain't gonna get much business- when was the last time you saw a bog standard Buell or HD without breathing mods?

 

Guy

[Guest Nogbad]

The dealer couldn't have been more helpful. The race kit problem is a misunderstanding, and they will accept a metal motorcycle store as "garaged".

 

It is therefore an ideal moment to persuade the wife to accept a large steel shed behind the house which she has done.

 

Ok the shed is going to cost me a few quid, but I have been needing a good shed for many years.

 

Bike Sheds

 

Hopefully I can get a reduced premium on the V11 at renewal as well. Apart from the cost, the problem is solved.

 

"For all of life's difficult problems there is a simple solution - It's called money"

[Frenchbob]

Nogbad, have you tried Carole Nash? They were brilliant with me before I left the UK .