FAQ – Ask the bike insurance experts!
- What do I do if I cant find the make or model I am looking for?
Dion says: If you can't find what you are looking for please give the team a call and they will see what they can do. Please note they may not be able to provide you with a figure straight away, as they may need further information.
- I have run a couple of quotes through but I am not getting a price, why is this?
Jade says: You may well be entering some details the system isn't able to quote for i.e. occupation, registered owner and keeper. If you need a quote please call 0844 815 6125 the team will be more than happy to help.
- I am 16 and looking to get a 125cc, why can't I get a quote?
- Dion says: Unfortunately you aren't able to ride a 125cc until you are 17 years old.
- I am looking to get a quote but I'd like to know what a Garage is classed as?
- Jade says: For us to be able to class your vehicle as garaged it must be brick built, four walls a roof and a lockable door. If you are keeping the vehicle in your home this will be classed as a locked building.
- Do I need to be the registered owner and keeper of the vehicle?
- Dion says: Most insurance companies will require the insured to be the registered owner and keeper of the vehicle they are looking to insure.
- I am 16 years old with a new scooter, I don't have my provisional license yet am I able to set up an insurance policy?
- Jade says: Unfortunately most insurance companies will require you to have your provisional license and CBT booked in. If you have applied you will still need to wait for it to come in the post and book the CBT.
- I have bought a new bike but it isn't registered yet, can you help?
- Dion says: There are some insurance companies that will not insure unregistered scooter/bikes. The majority of companies available to quote on our system are happy to insure against the VIN/chassis/frame number, this normally comes with a small fee. If you obtain a quote and are happy with the price ask the company before going ahead.
- What is the difference between social, domestic pleasure including commuting to business use?
- Jade says: Social, Domestic and Pleasure including Commuting entitles you to go to and from one permanent place of work or study. Business use entitles you go to various different places of work.
- Can additional drivers use the bike to go to and from work or study?
- Dion says: Only the main rider is permitted to use the bike to go to and from one permanent place of work or study. Additional riders are only allowed to use the bike for social, domestic and pleasure use.
- My bike is worth £300 but the Third Party Fire and Theft excess is nearly as much as the bike, what should I do?
- Jade says: We would suggest looking at Third Party only, as there isn't excess with this. If you went ahead with Third Party Fire and Theft and the bike was stolen the insurance company will pay out the market value of the bike at the time of the theft minus the excess before paying you anything.
- What can affect insurance quotes?
- Dion says: Each insurance company will have different criteria, below is a list of some things known to affect quotes...
- Where you live and where the bike/scooter is kept
- License type
- Occupation
- Motoring convictions/Claims
- Age/Experience
I am looking to modify my scooter; will this affect an insurance quote?- Jade says: Any modifications that enhance the performance of the vehicle may cause you a problem when looking to insure the bike.
- If I passed my Full car license before 01/02/2001 do I need to take a CBT?
- Dion says: If you obtained your full car license before 1st February 2001 you're entitled to ride a 50cc moped without L-plates/ D-plates in Wales. If you passed your full car license after 01/02/2001 you must complete a CBT course and obtain a DL 196 certificate.
- How often do I need to take a CBT?
- Jade says: Your certificate will last for two years; we suggest when it is close to renewal you book the CBT with your local centre. At different times of the year there are increased numbers of people wishing to take a CBT, there are occasions where you would have to wait a couple of weeks to a month to be able to retake it locally.
- I live in Northern Ireland do I need to complete a CBT?
- Dion says: For the time being you are not required to do a CBT but the DVLA are looking to introduce this in Northern Ireland by December 2010. Please note when this happens you must go to an Approved Motorcycle Instructor.
Please note that licensing laws are changing rapidly; for the most up to date and accurate information go to the DVLA website or give them a call with any of your questions.
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