Online insurance question...

[Lane748]

Just in the process of insuring my 748 with Bennetts. On the form, there is no questions relating to modifications. I have a single seat and 50mm cans. If they don't ask, how does that stand in law? As it is, the quote for TPFT with 9 yrs NCB for me is £85. I'm tempted to just click "BUY".

[NedLudd]

[1] I suspect that in the small print before you proceed to the online quote there is a statement along the lines of "By proceeding you are declaring that the bike is registered to you... and not modified" etc etc, possibly adding that you if you do have mods to declare you need to ring them. Most insurers don't hike the quote for mods, note, they simply make a note of them and refuse to cover them in the case of accident damage. With insurers it pays to have ticked all the boxes, and undeclared mods - e.g. go-faster cans - do give them the option of refusing to pay out, which would make me nervous.

[2] With 9 yrs NCD, why not get Fully Comp? I'd be surprised if it was much more, if at all.

[Lane748]

Here is a summary of our products and services. Please print a copy for your records.

To view and print a copy of the full terms and conditions of the policy, use the link entitled
‘Policy Document’, contained within the Information box on the main quote pages.
Alternatively click here.


Your insurance policy will be with:


GROUPAMA INSURANCE

Registered Office: Groupama House, 24-26 Minories, London, EC3N 1DE .They are authorised and regulated by the Financial Services Authority (FSA reg. no. ). You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.


Your Bike insurance cover:



This annual policy, to run from 01/02/2008 to 31/01/2009, is based on Third party fire and theft for DUCATI 748 BIPOSTO-748CC - (1994 -2001). The standard excess for the policy is £300.The following endorsements apply for the policy:

• *Compulsory Excess: Fire and Theft £200. The first amount of each claim which you must pay under section 1 (Loss of or damage to your motorcycle).
• *Voluntary Excess: Fire and Theft £100. In accordance with the answer given by you on your proposal form regarding the additional voluntary payment of the amount stated in respect of each claim for which a reduced premium has been granted it is agreed and understood that any fire or theft claim will be reduced by the amount stated over and above the compulsory fire or theft excess shown in the current policy schedule.
• Protected No Claims Discount. If the insurance is for an annual term, and you pay the extra premium we require, we will not reduce your no claims bonus discount if you do not claim more than twice during five continuous periods of insurance. This benefit will stop if you make more than two claims or you no longer qualify.
• *Loss or Damage. The following is added to exceptions under section 1 of your policy. (10) Loss of your bike by deception by someone who claims to be a buyer or a buying or selling agent. (11) Loss or damage to any trailer whether or not it is being towed or attached to your motorcycle, (12) Loss or damage as a result of a deliberate act by anybody insured by this policy. (13) Loss or damage to any radio, cassette, disc player or similar apparatus or accessories or parts of any such apparatus. This does not apply if there is an endorsement in the schedule saying otherwise. (14) Any further damage to your motorcycle after an accident due to your motorcycle being used under its own power.
• No Claim Discount Step-Back Scale. In the event of a single claim your No Claim Discount will be reduced at renewal on the following basis :- 5 or more years reduces to 3 4 years reduces to 2 3 years reduces to 1 2 or 1 years reduces to nil. In the event of two claims your No Claims Discount will be reduced at renewal on the following basis :- 5 or more years reduces to 1 4, 3, 2 or 1 years reduces to nil. In the event of three or more claims your No Claims Discount will be reduced at renewal to nil.

Our policy does not allow for riding other motorcycles. Cover is also provided for driving abroad within the territorial limits of the policy for up to 45 days.
You will not receive advice or a recommendation from us for bike insurance, legal expenses cover, an instalment protection plan, roadside rescue or for personal accident cover. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.
This product meets the demands and needs of those who wish to insure their bike.
Accident Assistance UK

If your motorcycle is immobilised after an accident and cannot be made roadworthy immediately it will be taken to a suitable repairer or to your home address. The rider passenger and baggage will be transported to your intended destination or home address in the United Kingdom . We will arrange for the onward transmission of any messages on your behalf to a member of your family or friends.
Accident Assistance Non UK

If the incident is covered under the policy and your motorcycle cannot be made roadworthy immediately we will arrange for it to be taken to a nearby garage where you can arrange for repairs to be made. If your motorcycle cannot be repaired before the end of your holiday period we will arrange repatriation of your motorcycle to your home address or nominated repairer in the UK . This is subject to the cost of repatriation not exceeding the market value of your motorcycle. Telephone: Ireland 01800 535005, France & Monaco 0800 290112 Other European Countries, (Access code) + (33) 472 435255 ( Andorra replace 33 with 7)
Payment Plan


The total price is £84.48.

This quote is valid for 30 days. Payment for the policy may be made by Credit or Debit card.


Additional Policy Options (if included) are supplied by:

MOTORCYCLE BREAKDOWN

INSTALMENT PROTECTION

PERSONAL ACCIDENT

RAC MOTORING SERVICES
RAC House
1 Forest Road
Feltham
STERLING
Ambassador House
Paradise Road
Richmond upon Thames
Surrey
GROUPAMA
Groupama House
24-26 Minoires
London



LEGAL EXPENSES

HELMET AND LEATHERS

ACM ULR PETERBOROUGH
Budget House
Bretton Way
Peterborough
PE3 8BG
ULR NORWICH HELMET & LEATHERS
Kircam House
5 Whiffler Road
Norwich



Sterling is authorised and regulated by the Financial Services Authority (FSA Reg. no.498605). Groupama is also authorised and regulated by the Financial Services Authority (FSA Reg. no. 00995253). You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
How to make a claim

In the unfortunate event that you need to report a loss or claim, please call our Free Claim Helpline on 0800 975 9166.
About us

Bennetts is a trading name of BISL Ltd. Registered in England No. 3231094. Registered Office: Pegasus House, Bakewell Road , Orton Southgate, Peterborough PE2 6YS. BISL Limited is an independent intermediary dealing with selected insurers.
BISL Limited is authorised and registered by the Financial Services Authority. Our permitted business is selling, administering and renewing general insurance contracts. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.
We offer products from a range of insurers for bike insurance and from a single insurer for Legal Expenses, Instalment Protection Plans, Roadside Rescue, Personal Accident and for Helmet and Leathers cover.
Fees and charges

We may make the following charges during your policy:

• <LI class=outside>Cancellation Fee
  If you cancel your policy at anytime you will be charged a fee of £30.00. <LI class=outside>Administration Fee
  Certain policy amendments are subject to a maximum £25.00 administration fee. <LI class=outside>Payment Default Fee
  If we need to resubmit a request for payment to your bank you will have to pay a £20.00 payment default fee. <LI class=outside>Certificate Reprint Fee
  If you lose your Certificate of Motor Insurance, or it is destroyed, and you want a duplicate you will have to pay a £15.00 reprint fee.
• Renewal Arrangement Fee
  When you renew your policy, a non-refundable fee of up to £30.00 may apply.

If things go wrong.....

We always aim to provide a high level of service to our customers but occasionally things can go wrong. If this happens, we will do everything we can to put things right. For full details of our complaint procedure, please refer to the link on the left-hand-side of this page in the heading entitled ‘Policy Document’ and to the section headed ‘Service Standards’.
Please also refer to the same link and the section headed ‘Compensation’ for details of the compensation scheme that we are covered by in the event that we cannot meet our liabilities.
Cancellation rights

We or Bennetts may cancel this policy by giving you seven days notice by recorded delivery to your last known address. You must then send us or Bennetts the certificate of motor insurance and upon receipt, we will refund to you a proportionate part of your premium. You may cancel your policy with immediate effect by notifying us by phone or by post. Our contact details can be found on p10 of your policy booklet. You must return your certificate of motor insurance to Bennetts Customer Services, Fusion House, 165 Corporation Street, Coventry, CV1 1GY.
If you cancel your policy within the first 14 days of receiving your policy documents, unless a total loss claim has occurred, you will pay for the number of days that cover was provided. Outside of this, you will be charged a percentage of the remaining premium. Premium charges will be calculated from the table shown in the “Cancelling your policy” section of the Policy Document, which can be viewed by clicking on the link on the left-hand-side of this page in the heading entitled ‘Policy Document’.
All cancellations are subject to a £30.00 cancellation fee.

Bennetts is a trading name of BISL Limited. Registered Head Office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough, PE2 6YS. Registered in England No.3231094











For the amount of times I use it, plus the age of the bike now (1998 ), I can't see the point of fully comp. I've had TPFT for the last 3 yrs. Plus, I can pay for it outright today- Fully comp is double and i don't have the cash to spare this month!

[Brian]

If you dont tell them about your mods they can refuse to payout in the event of an accident

[Lane748]

What's the point of online quoting, if you have to call them?

[NedLudd]

Not sure what your point was in pasting the insurance document, as it's based on the information you gave them online. I was suggesting that before that information process there was probably some small print concerning the assumption that bikes are unmodified.

I've now gone to the Bennetts website. On the very first page of 'Your motorcycle insurance quote' is a link, top-right, which says 'Insurance checklist'. Click that and it says:

"If your motorcycle is unusual, modified or simply not listed on our quotes system then please call us on 0800 056 1618, as we may still be able to provide you with cover."

So, by proceeding with the online quote you will be deemed to have affirmed that the bike was not "modifed". As I originally anticipated...

Originally Posted by Lane748

What's the point of online quoting, if you have to call them?

It's for the convenience of owners of unmodified bikes! (Imagine how complex the software would have to be to cover every possible bike mod.)

[joff]

At least it is a Freephone number...i always get annoyed with 0870 and 0845 numbers as they cost me money.

BTW...try eBike Insurance - Bike and Classic Bike Insurance from eBike Insurance

I am with them now and so far so good.

[Lane748]

Originally Posted by NedLudd

Not sure what your point was in pasting the insurance document, as it's based on the information you gave them online. I was suggesting that before that information process there was probably some small print concerning the assumption that bikes are unmodified.



It's for the convenience of owners of unmodified bikes! (Imagine how complex the software would have to be to cover every possible bike mod.)

That was the smal print or Terms and conditions as it's fondly known

Thing is, Bennetts used to have drop down boxes for modifications. There was one for single seats, pipe (no performance increase) etc etc. I was curious as to why they'd taken them off the site.