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Poll

What kind of insurance do you have?

Fully Comprehensive - over €1000 / year
0 (0%)
Fully Comprehensive - over €750 / year
1 (12.5%)
Fully Comprehensive - over €500 / year
1 (12.5%)
Fully Comprehensive - under €500 / year
5 (62.5%)
Third-Party, Fire and Theft
1 (12.5%)
Third-Party only
0 (0%)

Total Members Voted: 8

Author [ES] [CA] [PL] [PT] [IT] [DE] [FR] [NL] [DK] [NO] [GR] [TR] Topic: Insurance  (Read 2365 times)

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Offline Doc

  • Crosstourer Master
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  • Gender: Male
  • Bike: VFR1200X DCT Red
  • City / Town: Arsbeck
  • Country: Germany
Insurance
« on: April 07, 2012, 03:10:01 PM »
How many of us are paying high prices for our bike insurance? I feel another poll coming on!  :007:'

I know that the majority of riders in Germany do not have fully comprehensive cover because it is simply too expensive. I have never had 'fully comp' in Germany for any of my bikes.

Out of interest, I'll ask my insurance company (DEVK) what 'fully comp' costs when I get the code to register my bike on Tuesday - I expect it will be very expensive.
« Last Edit: April 07, 2012, 03:35:27 PM by Doc »

Offline Doc

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  • Country: Germany
Re: Insurance
« Reply #1 on: April 12, 2012, 03:44:33 PM »
Out of interest, my insurance quote for fully comprehensive was only 480€ / year - I didn't realise I'd got so old (and cheap).

Now my new love is well protected should something 'unplanned' happen whilst we are on our travels.  :152:

Offline Mister B

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  • Bike: white 1200XT.DCT
  • City / Town: Morecambe Bay
  • Country: England
Re: Insurance
« Reply #2 on: April 12, 2012, 09:46:03 PM »
THis price is very similar to the UK ... Mature age!!!,, comprehensive,,, Protected No claims bonus ,,,,£250 Excess,,,legal protection cover ,,kept in a locked garage ,,and declared mileage of 7000 miles per year... Also where i live is considered to be a 'good 'area!!!  .....total £430... I think there is a big Loading on the premium because it is a   'NEW' model so there is no experiance to draw on.. By comparison the premium for my R1200GS  was about half this  but I had its value at 1/3 less than the new CT...

Offline Doc

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  • Bike: VFR1200X DCT Red
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  • Country: Germany
Re: Insurance
« Reply #3 on: April 13, 2012, 05:36:50 AM »
Hi Mister B,
In Germany, the bikes are rated by BHP (PS). Above 98 PS is the highest tarif, which is why many riders buy bikes restricted to 98PS - to save a few Euros.

I can live with €480, although no no-claims protection was available - I'll be careful!  :029:

Offline jacob

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  • Bike: CT VFR1200X
  • City / Town: Windsor
  • Country: Australia
Re: Insurance
« Reply #4 on: April 13, 2012, 10:39:46 AM »
My Insurance will be full comprehensive with an agreed value of AUD$20000 - at this stage I have quotes from AUD$750 - AUD$1000 still shopping around at the moment.
2012 VFR1200X CrossTourer - April 2012 - http://crosstourer.tumblr.com/

Offline steve

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  • Bike: VFR1200XD
  • City / Town: Llanelli
  • Country: Wales
Re: Insurance
« Reply #5 on: April 15, 2012, 10:35:21 PM »
I currently pay £263 full comp with £300 excess for 2 bikes, both CB1300 one 2005 and other 2009 plate with Carole nash, this includes legal cover and full recovery. So not too bad really !

Offline Mister B

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  • Bike: white 1200XT.DCT
  • City / Town: Morecambe Bay
  • Country: England
Re: Insurance
« Reply #6 on: April 16, 2012, 10:42:28 AM »
Steve .. the problem is that  the value of the New bike is over £10k and for the first year the insurance companies say they have  No History  to base a claims record on .. Hence two big premium lifts are triggered and we suffer... Still I'm not waiting for a year to pass to save £200 !!!!... This bike is too good to miss :305: :305:

Offline steve

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  • Country: Wales
Re: Insurance
« Reply #7 on: April 16, 2012, 06:20:17 PM »
 I assumed that it was a general question and not just relating to just the crosstourer ! I wasn't bragging that I've got cheap insurance, I was just answering the quwstion raised by Doc in the first post !
 

 


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