Biker's Cafe Chatroom

Freeman · 18 Aug 2017 at 15:17

JunglistE said:
Ah man that sucks. Insurance is such a con.

Yup, it is. I ride the same bike, same route, same miles per year, same everything. My bike has lost around £1200 worth of value since I bought it which is nothing on a bike. However, my insurance has gone from £900 a year down to £112 a year comprehensive. Why!?

Crazy.

russell664 · 18 Aug 2017 at 15:37

tom_e said:
I'll be a brand new driver, don't even have my car licence yet.

What car are you planning on getting mate?

Might be worth looking at cars in lower insurance brackets. I have a Accent and it costs me £700 a year and i'm 22. it cost £1,100 for my first year.

tom_e · 18 Aug 2017 at 15:41

It'll be a 1.3l 57 plate Astra. Simply because my parents have offered it to me as they want to change cars.
So any money I'd save by getting slightly cheaper insurance would almost certainly be eaten up with the cost of buying anything else.

russell664 · 18 Aug 2017 at 15:42

tom_e said:
It'll be a 1.3l 57 plate Astra. Simply because my parents have offered it to me as they want to change cars.
So any money I'd save by getting slightly cheaper insurance would almost certainly be eaten up with the cost of buying anything else.

How many miles are you whacking on the policy?
Also, as daft as it may seem, having a black box for the first year will drop the price quite a bit. That is what I did anyway.

tom_e · 18 Aug 2017 at 15:43

I think I declared about 5k miles but if I get rid of the bike that'll have to increase to at least 20k and that was with a black box.

IC3 · 18 Aug 2017 at 16:41

@tom_e A few quick tips on how to save yourself a bit of cash on insurance, completely legal.

-Raise the excess to maximum
-Select Road instead of driveway
-Try different job titles
-Try to put someone elderly (a female is better) as the main driver and add yourself on
-BlackBox

I'm currently using uSwitch, as lately confused seems to be buggy and doesn't show all the insurers that I get on uSwitch. lol

tom_e · 18 Aug 2017 at 16:44

Done them all, Admiral 10 month bonus accelerator with black box is the best I can do at around £1.1k IIRC. So it's not even a full years insurance just as an extra kick in the teeth.

Captain · 18 Aug 2017 at 16:47

Forget the black box.

tom_e · 18 Aug 2017 at 16:52

Clov!s said:
Forget the black box.

That puts me into the £1.7k a year area, it's a downside I'll have to suck up if I actually want a car.

Hater · 18 Aug 2017 at 16:57

My other half had to contest 2 black box alerts from Direct Line, they threatened to kill her policy immediately on due to uneven readings - The car hadn't been driven in a week and a half, the battery was going flat and they wouldn't budge.

Captain · 18 Aug 2017 at 17:25

tom_e said:
That puts me into the £1.7k a year area, it's a downside I'll have to suck up if I actually want a car.

That's because you were a pansy about doing your test when you were younger

tom_e · 18 Aug 2017 at 17:34

I had better things to do like going to uni and drinking my life away

Captain · 18 Aug 2017 at 20:06

@TallPaul_S All packed and ready?

Craig321 · 18 Aug 2017 at 20:21

IC3 said:
When I was 18 yo, I paid £1009 for a 1.6 Civic. Now I'm 20 and it's 1400 for the same car. I can get insured on Toyota Yaris 1.3 for 800, I think I'll go with that... the less I spend on car and insurance the faster I can save up for a trackbike and trackdays.

Phone Direct Line & put both your parents on the policy. Was a few hundred less than anything I could find on GoCompare etc. for my car.

Now enough car talk.

TallPaul_S · 18 Aug 2017 at 20:47

Clov!s said:
@TallPaul_S All packed and ready?

Yep

Bike washed and packed, tank brimmed, euros and Swiss francs bought, all ready for a 6:30am start tomorrow, I'll be in Reims by lunchtime local time (11am here).

Captain · 18 Aug 2017 at 20:52

TallPaul_S said:
Yep

Bike washed and packed, tank brimmed, euros and Swiss francs bought, all ready for a 6:30am start tomorrow, I'll be in Reims by lunchtime local time (11am here).

Nice

Have a good trip and ride safe!

Diddums · 18 Aug 2017 at 20:52

Oh are you guys doing your bromance trip to the Alps tomorrow? Have a great time guys, post lots of pics!

tom_e · 18 Aug 2017 at 20:55

TallPaul_S said:
Yep

Bike washed and packed, tank brimmed, euros and Swiss francs bought, all ready for a 6:30am start tomorrow, I'll be in Reims by lunchtime local time (11am here).

Enjoy!

Looking forward to the pictures

Captain · 18 Aug 2017 at 20:55

Diddums said:
Oh are you guys doing your bromance trip to the Alps tomorrow? Have a great time guys, post lots of pics!

Join them on your Moped, though you should have probably left 3 months ago just to keep up!

TallPaul_S · 18 Aug 2017 at 21:06

Diddums said:
Oh are you guys doing your bromance trip to the Alps tomorrow? Have a great time guys, post lots of pics!

Yep!

2 of us meeting tomorrow then another 2 following on a couple days behind and the last guy arriving at Kreeeee's the same time as the rest. 3000+ miles, in total, looking forward to it!!

tom_e said:
Enjoy!

Looking forward to the pictures

Cheers, there will be lots!!