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The market in which we operate is price sensitive and unfortunately insurance is rarely cheap.
It is our aim to offer competitive and sustainable premiums with leading insurers - protecting our customers and ensuring realistic renewal premiums.
Over the years we have built close ties with a panel of underwriters and have obtained special scheme rates. In many cases where a risk would normally be declined we can negotiate acceptable terms.
To ensure you are fully protected both in the UK and abroad we offer a range of additional products and services. These include:
The only question that remains is: How do I ensure I've got the right cover?
There are a bewildering array of options available and it's tempting to plump for the cheapest. Just like a mortgage you need to be sure you've got the best deal and the most appropriate product.
Paying over the top for cover is one thing; but finding you're not covered in the event of a claim can be disastrous. So how do you know when you've got it right?
Simple - ask the right questions and always read the small print!
The first and most important rule when buying insurance is DO NOT be "economical with the truth."
Insurance companies are very good at checking claims and have access to a lot of information about you. If you've told them porkies to get cheaper cover, you're likely to come very unstuck in the event of a claim. Not only will you be wasting money on pointless insurance; but you could end up facing a hefty bill for damages or injury which could really spoil your day.
Secondly, know what you're buying and what discounts are available.
For instance, if you lock your bike away in a secure garage, chained to a concrete block and surrounded 24 hours a day by armed guards, make sure your vigilance is reflected in your insurance premium. Likewise, find out how much discount you can get for fitting immobilisers or security marking systems like AlphaDot.
Remember though, if you've told your insurer that your pride and joy gets tucked up in the garage every night - make sure that it does! If it gets stolen from outside your house during the night you might have problems claiming.
Thirdly, get the right level of cover.
For motor insurance, the main categories of cover in order of cost, are Third Party Only (TPO), Third Party Fire and Theft (TPFT) and Fully Comprehensive (COMP).
TPO - covers the bare legal requirements for damage and injury caused by you. Fine if you don't think your 250 Superdream Chopper will ever be nicked or catch fire, but remember that policies like this rarely include any kind of cover for legal costs in the event that someone takes you to court over an accident.
TPFT - gives you a bit more peace of mind, but will not pay out in cases of no-fault damage, i.e. you drop it on a wet leaf covered bend. Before opting for TPFT ask your dealer for the price of a replacement fairing or crankcase cover. Even a minor mishap can cause an incredible amount of damage on today's sports bikes, so you need to weigh up that risk against a lower insurance premium.
COMP - If you can't live with the expense that a wet manhole cover could end up costing, spend a bit more and go Comprehesive.
Finally, the thorny subject of Excess charges. The Excess on your policy is the amount you remain liable for in the event of a claim. Usually, the higher the Excess, the cheaper the premium. However, bear in mind that you will pay the Excess in the event of any claim - whether it's your fault or not.
At the end of the day, there are so many options available that it's impossible to generalise about which type of policy is best in individual cases. Your best bet of finding that gem of a deal is to speak to a specialist insurance broker who will give you impartial advice.
Finding that broker is simple, ... 00844 8800 961