Insurance costs more after you get a full licence????

Drangueos · 22 Mar 2015 at 13:16

I cannot believe that, I got my full licence and called my insurance to inform them about the change, I was riding my scooter using my full car licence + CBT for 3 years before that.
They told me that my insurance will have an increase on the premium because it will show as a new licence, how stupid is that???

Drangueos · 23 Mar 2015 at 19:43

I spoke to them again and it will remain the same price.. Instead of changing my licence type on the policy, they added a note to it stating that now I have a full licence.
They said if they change the policy, the system will understand as a new licence and will charge more for that.

I would like to keep this insurance so I don't lose 7 months of NCB (I have 2 years and 7 months NCB on this policy)

Drangueos · 24 Mar 2015 at 13:42

ttaskmaster said:
Full licence = Carrying pillion + motorway riding + possibility of new, bigger, faster bike = more dangerous = higher insurance.

You are wrong in so many lvls

Carrying pillion - I already could carry a pillion because it is a moped and I have a full car licence, if you have a full car licence and cbt you get a full MOPED licence, so you don't even need to do CBT again after 2 years if you are only riding a moped...
Motorway - it is a 49cc limited to 30mph so I cannot go to a motorway even with a full bike licence...
possibility of new, bigger, faster bike - it is the same "bike"...

Drangueos · 24 Mar 2015 at 16:10

It is not about knowing me personally, it is the fact that the riding conditions, vehicle and anything else will stay the same, apart from that now I'm officially more qualified to ride, so makes no sense to costs more.

If it was a bigger bike, that would allow me to go to motorways or would change another riding factor you could be right but that is not the case.

My licence allows me to ride a bigger bike yes, but we are talking about my current bike's insurance, it already covered me to carry a pilliow and it is a third part only insurance, so I'm not covered to ride any other bike.

Drangueos · 1 Apr 2015 at 12:29

I'm thinking about getting a Bandit 1250 2008, £3000... guess how much is the insurance?

£700.00... yes.. 700..
That is the problem of living in central London and parking on the street

I even checked the price on the 650 model, on a hornet 600 and the prices are around the same.

PS.: and it is not even full comprehensive, it is Third part, fire and theft..