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Motorbike insurance - tell us your quotes

seamus · 2005-08-17 15:48:38

I'm trying to get a feel of what everyone else is being quoted for their insurance. I started off 3.5 years ago with Hibernian, who charged me €2,400 TPO on a Suzuki Marauder 125cc. First renewal - my insurance dropped €200. Second renewal (18 months ago), my insurance *went up* by that same €200 to €2,400. So that year, I…

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#632 01-10-2013 4:26pm
Wonda-Boy

Registered Users Posts: 10,013 ✭✭✭✭

Join Date: July 2008

Posts: 9830

goodlad wrote: »

I got my renewal in from adelaide for 480 euro.
I assumed nobody would beat it and i was right until i called that new place MCE...

The quoted me 278 for full comp, protected NCB, roadside assist, driving of other bikes etc..... Blew Adelaide out of the water!

That is very strange Gary, I asked for a quote on my Sprint before I went with Adelaide and they were about €1000 dearer then anyone else. Plus am I right in saying they dont have an office in Ireland.....would hate to be dealing with a claim ringing the UK all the time.

But very good price all the same.....;)

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#633 01-10-2013 4:45pm
cantdecide

Registered Users Posts: 11,465 ✭✭✭✭

Join Date: September 2005

Posts: 10775

goodlad wrote: »

Tbh i dont think a high excess makes a policy useless. Its not like im going to claim unless i absolutely wreck the bike so worst case i pay out 500 quid. And its fully comp insurance too.

I used to have this belief too. When I asked the hard questions about the consequences of claiming with a protected NCD, I realised I'm only bringing head and wallet ache on myself needlessly.

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#634 01-10-2013 4:46pm
goodlad

Registered Users Posts: 3,224 ✭✭✭

Join Date: October 2007

Posts: 3043

cantdecide wrote: »

I used to have this belief too. When I asked the hard questions about the consequences of claiming with a protected NCD, I realised I'm only bringing head and wallet ache on myself needlessly.

Sure protected VS not protected was only 8 euro in the difference.

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#635 01-10-2013 4:56pm
cantdecide

Registered Users Posts: 11,465 ✭✭✭✭

Join Date: September 2005

Posts: 10775

goodlad wrote: »

Sure protected VS not protected was only 8 euro in the difference.

€21 for me. My excess is €250 and I can have two claims in a five year period without affecting my NCD after which I drop from being allowed 5 yrs NCD to 3 yrs. It's well worth claiming rather than doing to honourable thing and paying out of your beer fund.

I've just spent €380 trying to fix my Mille on the cheap after a 2mph tumble. It was a real pain in the rocks for me logistically. I was happy enough with the results but since I'm much more precious about my GSX, I wanted to know it was okay to call in the cavalry if I hopped it off the ground... and it is!

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#636 01-10-2013 7:08pm
Wonda-Boy

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Posts: 9830

cantdecide wrote: »

€21 for me. My excess is €250 and I can have two claims in a five year period without affecting my NCD after which I drop from being allowed 5 yrs NCD to 3 yrs. It's well worth claiming rather than doing to honourable thing and paying out of your beer fund.

I've just spent €380 trying to fix my Mille on the cheap after a 2mph tumble. It was a real pain in the rocks for me logistically. I was happy enough with the results but since I'm much more precious about my GSX, I wanted to know it was okay to call in the cavalry if I hopped it off the ground... and it is!

Who are you insured with cantdecide?

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#637 01-10-2013 7:21pm
cantdecide

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Posts: 10775

Wonda-Boy wrote: »

Who are you insured with cantdecide?

Only just renewed

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#638 01-10-2013 7:55pm
Wonda-Boy

Registered Users Posts: 10,013 ✭✭✭✭

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Posts: 9830

cantdecide wrote: »

Only just renewed

Same as me....dont know if I have protected NCB must give them a bell and see.

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#639 04-10-2013 9:13am
Hornswoggle

Registered Users Posts: 328 ✭✭

Join Date: March 2008

Posts: 303

deisegal1 wrote: »

Anyone have any idea which is the best company for young drivers?

I've always found Liberty to be the best open to younger riders when quote hunting, have been with them since I started. 25 on a blade with them.

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#640 04-10-2013 12:32pm
cantdecide

Registered Users Posts: 11,465 ✭✭✭✭

Join Date: September 2005

Posts: 10775

Hornswoggle wrote: »

I've always found Liberty to be the best open to younger riders when quote hunting, have been with them since I started. 25 on a blade with them.

I was 26 and a first time rider and felt very much looked after by AON. I think I paid about €500 for a restricted Bandit 600. That was 2008. It was subject to completing an assessment in advance and achieving a 'Grade 2'.This was in the days before IBT of course.

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#641 04-10-2013 3:27pm
StaggerLee

Registered Users Posts: 533 ✭✭✭

Join Date: February 2005

Posts: 442

€470 TPFT on 250 burgman with carole nash. Zero no claims bonus, 2nd learner permit. 35 years young

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#642 04-10-2013 8:38pm
colind84

Registered Users Posts: 2 ✭

Join Date: July 2013

Posts: 1

29 yr old male
1st learner permit A
County galway
2005 SV650s
Liberty ...Tpft= €572
Comp=€743

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#643 11-10-2013 4:22pm
goodlad

Registered Users Posts: 3,224 ✭✭✭

Join Date: October 2007

Posts: 3043

After a few calls Adelaide have come out on top.

31 yr old male
Full Irish Licence
Kildare
2004 SV1000s
Fully Comp
250 excess
breakdown cover
protected NCB

260 euro!!

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#644 12-11-2013 11:17pm
Starscream25

Closed Accounts Posts: 1,122 ✭✭✭

Join Date: March 2011

Posts: 1104

28 yr old male
First learner permit A
Cork
2008 ninja 250
Third party only
Liberty insurance
283.50

Very happy with that.

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#645 02-01-2014 6:33pm
cojomo2

Registered Users Posts: 3,216 ✭✭✭

Join Date: January 2008

Posts: 2734

31 Male
full license
1 year ncb
dublin
gsxr750

rang mce today as heard they were the cheapest: 1300 tpft and 1250 excess:eek::eek:, liberty online nearly halved that and I'm still waiting on a renewal quote with adelaide..

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#646 08-01-2014 2:00pm
Robbknoll

Registered Users Posts: 322 ✭✭

Join Date: March 2010

Posts: 305

25 yr old male
Full Irish Licence
2000 Suzuki GSF 600
TPFT
250 excess
breakdown cover
With Adelaide was €580

Aon would not qoute me because i didnt have 1 years no claims bonus worked up (was out of the country for a while last year) and Carole Nash quoted me €660. Happy enough with adelaide in the end but i got cheaper insurance last year as a learner permit holder

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#647 09-01-2014 1:41pm
beefjerky

Registered Users Posts: 308 ✭✭

Join Date: December 2009

Posts: 274

I got 3 quotes for the following details

3rd P,F & T
30 yo Male
Cat A Learner Permit
GZ250

All had €250 excess

Liberty Ins
€696

Carole Nash
€525

Adelaide
€270

All three include breakdown assist
CN also including "flat tyre service" and "DNA forensic lock"

Some difference...

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#648 15-01-2014 10:51pm
Green_Martian

Registered Users Posts: 1,545 ✭✭✭

Join Date: February 2005

Posts: 1439

Male 32
Dublin
Fully Comp
6 years ncb protected
Full Licence 5 years
GSXR 600
Adelaide - Quoted €576 rang them back and they gave new quote of €431

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#649 04-02-2014 1:41pm
The Don

Registered Users Posts: 1,571 ✭✭✭

Join Date: March 2006

Posts: 1563

Male
Early 30's
Dublin.

Full A licence with 2 years.
3 years NCB.

I looked for 3rd party, fire and theft for the following bikes.
'04 Yamaha YZF-R1
'04 Yamaha FZS 600S Fazer
Both with alarm & immobilisers and both stored in a brick garage.

Multi-bike cover
€250 excess
Ride other bikes
Breakdown assist
European riding cover
Legal cover

Adelaide (Renewal)
Renewal quote was - €665
On the phone I got - €590

AON
3rd party - €560
3rd P F&T - €701
Fully Comp - €757

Carol Nash
3rd P F&T - €710 (with €50 returned after 90 days)

Liberty
They don't do multi-bike cover so I didn't bother to finish the quote.

MCE
3rd P F&T - €941
Excess of €650 on each bike!
They told me that they would beat any quote I got if I signed with then over the phone. They seemed like a crowd of chancers, I'd to repeat all details about 4 times at different parts of the call. Not very professional and I got the impressions I wouldn't like to be ringing up if something unfortunate were to happen.

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#650 04-02-2014 1:53pm
blu3r0ri0n

Registered Users Posts: 896 ✭✭✭

Join Date: December 2008

Posts: 877

The Don wrote: »

Male
Early 30's
Dublin.

Full A licence with 2 years.
3 years NCB.

I looked for 3rd party, fire and theft for the following bikes.
'04 Yamaha YZF-R1
'04 Yamaha FZS 600S Fazer
Both with alarm & immobilisers and both stored in a brick garage.

Multi-bike cover
€250 excess
Ride other bikes
Breakdown assist
European riding cover
Legal cover

Adelaide (Renewal)
Renewal quote was - €665
On the phone I got - €590

AON
3rd party - €560
3rd P F&T - €701
Fully Comp - €757

Carol Nash
3rd P F&T - €710 (with €50 returned after 90 days)

Liberty
They don't do multi-bike cover so I didn't bother to finish the quote.

MCE
3rd P F&T - €941
Excess of €650 on each bike!
They told me that they would beat any quote I got if I signed with then over the phone. They seemed like a crowd of chancers, I'd to repeat all details about 4 times at different parts of the call. Not very professional and I got the impressions I wouldn't like to be ringing up if something unfortunate were to happen.

Ring/email Adelaide back and tell them you got it cheaper with another insurer, knock 50 quid off what adelaide qouted you and give them as the other insurer quote - they will match it or be really close to it but will add NCB protection.

I always get a quote off them on the phone then email them saying i got it cheaper and i will be going with a competitor - usually get a call back from them in an hour with a match or very close to it with NCB protection!

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#651 08-02-2014 7:46pm
rowanh

Registered Users Posts: 703 ✭✭✭

Join Date: January 2007

Posts: 577

I just got insured on my first bike,

Age 32
Bike 09 Ninja 250
1st provisional

went with Axa 620 fully comp

Liberty 787 fc, 600 tpft

Carol Nash were similar to liberty on 3rd tpft, didnt get a quote on fc.

Adaleide wouldn't cover me to commute to work, cant remember quote, low but pointless.. They said if i get a full license or 1 years ncb they would beat any other quote i get.

Mce was something stupid like 2000, was on the phone for about 25 minutes and had to repeat myself several times, wouldn't call them ever again.

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#652 24-02-2014 5:36am
Soundman

Registered Users Posts: 2,593 ✭✭✭

Join Date: March 2003

Posts: 2552

Policy up 10th of March. Currently with Carole Nash.

Age: 34
Licence: 2nd Provisional
NCB: 3 Years (at the end of this policy)
Bike: 600cc cruiser (restricted)
Cover: TPF&T with legal cover and breakdown assist. Cover for S,D&P as well as commuting to and from a fixed place of work.

Carole Nash (initial renewal quote): €343
Adelaide: €322
Liberty: €374
Axa Bikecare: €700+

Rang Carole Nash back and they were able to drop to €332 so went with them.

VERY happy, surprised and amazed, considering my current policy was for €521 and they managed to drop the renewal by almost €200 of their own accord.

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#653 04-03-2014 12:15am
Pedro K

Registered Users Posts: 1,197 ✭✭✭

Join Date: February 2009

Posts: 1162

Renewed this week.

25. Full A licence. 3yr NCB
07 ER 5
99 CBR250rr

Renewal was €650 with CN.

Ended up getting a policy with Adelaide including riding other bikes and UK and Ireland breakdown for €356

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#654 04-03-2014 1:07pm
blade1

Registered Users Posts: 12,376 ✭✭✭✭

Join Date: November 2009

Posts: 12145

Renewing my today.
41 years old.
ZZR1400.

Liberty.
3rd party €243
3rd party F&T €280
Fully Comp. €320

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#655 06-03-2014 6:42pm
Duzzie

Registered Users Posts: 726 ✭✭✭

Join Date: December 2007

Posts: 700

Back on the bike after 3 years with a company car so lost my no-claims bonus. :mad:

43 years
Kwak z750 2006
0 years no claims
Full Cat A licence for 10 years, no points
Grade 2 Insurance Assessment

AXA €850 TPFT
Liberty €415 TPFT

Hmmmmm, can't decide which one to go for.

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#656 06-03-2014 7:21pm
Doylers

Registered Users Posts: 1,704 ✭✭✭

Join Date: February 2010

Posts: 1562

Suzuki gs500e
year: 2000
2 year NCB
Full licence 1 year
Liberty 300 paid monthly or 280ish once off for tpft

couldnt get quotes form anyone else

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#657 06-03-2014 10:08pm
batman_oh

Registered Users Posts: 1,441 ✭✭✭

Join Date: April 2002

Posts: 1412

The latest after a bit of haggling was Adelaide for 500 fully comp on a 2009 Yamaha R1 and 2010 KTM 990SMR.
33 Years old in Dublin with full no claims and full license since 03.

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#658 08-03-2014 12:30am
Suasdaguna1

Closed Accounts Posts: 525 ✭✭✭

Join Date: December 2012

Posts: 506

Male, 47 Full A licence. BM R1200GS
AON....970. Comp
LIberty, shy of 400. FFS Aon , total robbers.

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#659 21-03-2014 12:30pm
blu3r0ri0n

Registered Users Posts: 896 ✭✭✭

Join Date: December 2008

Posts: 877

31 Year old male
02 Blackbird
5 years no claims
no accident/claims/points ever
Full license 4 years

Fully comp insurance
AXA €2000
Carol Nash €398
Adelaide € 370 renewal quoted but got €320 after I told them I'm going with a competitor for cheaper :cool:

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#660 22-03-2014 4:51am
kevin-46

Registered Users Posts: 285 ✭✭

Join Date: August 2008

Posts: 217

22 Year old male
00 bandit 600s
3 years no claims
no accident/claims/points ever
Full license 2 years

liberty renewal just came in €535 was paying the same last year TPFT
CN wanted €800
MCE i found on google €370 TPFT sound and €430 for a cbr 600

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#661 23-03-2014 2:18am
galwaytt

Registered Users Posts: 12,776 ✭✭✭✭

Join Date: May 2005

Posts: 12434

46
Full licence since 1987
Full NCB
RoSPA Silver

Harley Road King
Aprilia Atlantic 500
Vespa PX125

Full Comp: €255 AXA

Ode To The Motorist
“And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road”

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