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Smart insurance: car + bike (ahemm scooter)?

Discussion in 'Bike Chat' started by G-force, Mar 23, 2015.

  1. G-force

    G-force Junior Member

    Morning folks

    Anyone have any smart tips on the insurance front for car + scooter?

    My current car insurer for the Z4M (Admiral) only does cars but the quotes for the scooter (with 1 years NCB and now a full motorcycle license) seems crazy at c.£300. Also very little reduction at all relative to my first years insurance on the scooter. (I'm 39, car license since the time of star wars, recently getting into the biking)

    The two policies have renewal dates in April.

    Any smart moves here - do folks have combined policies for example, or have received good service / discounts from a common insurer across 2 policies?

    Thanks in advance for any pointers.

    Gareth
  2. verysideways

    verysideways Grip level estimator - PN anorak and driving tutor

    Short version:
    You earn NCB on a car, for a car.
    You earn NCB on a bike, for a bike.
    If you claim for either, you lose both.
    Make sense? No.
    Irritating? Yes.

    And bike insurance is always expensive until you build up a few years NCB.
    "New" bikers, at any age, are high risk...
  3. G-force

    G-force Junior Member

    Drat. At these premium prices I might consider going 3rd party fire and theft for once. Thanks for response.
  4. verysideways

    verysideways Grip level estimator - PN anorak and driving tutor

    Fully comp on a scooter is probably pointless anyway - if you had to claim for plastics they'd screw you on the premium come renewal time.
    Hence the ready market for secondhand bike plastics on ebay...
  5. Dan H

    Dan H Ventoux and Wales veteran - Pn founder member, cha

    You may be surprised with TPF+T vs FC - when my niece was starting out with a little Fiesta FC was cheaper than TPF+T, even from the same insurer.
  6. verysideways

    verysideways Grip level estimator - PN anorak and driving tutor

    On a car, yes. On a bike though?
  7. Dan H

    Dan H Ventoux and Wales veteran - Pn founder member, cha

    Don't know, but there is an easy way to find out!

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