ElectricMotorcycleForum.com
Makes And Models => Zero Motorcycles Forum | 2013+ => Topic started by: MostlyBonkers on January 06, 2016, 11:27:47 PM
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My heart sank when the first quote I got came to almost £400! That's almost as much as I'm paying for my VFR!
Fortunately I stumbled across thebikeinsurer.co.uk which lead to a quote for £241 from wickedquotes.co.uk.
Bennetts, my current insurer, were hopeless and say they can't insure the bike, despite being about the biggest specialist bike insurer in the country. Lexham gave me a quote of £399 and when I used the bike insurer comparison site quoted £320. They wouldn't give me a discount over the phone though. Carole Nash are calling me back on Friday... Needless to say, I went with wicked.
Daylight robbery, that's what it is! I hope someone finds this info useful.
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That seems reasonably cheap. I pay 180ish I think but I'm in Jersey where you can leave the keys in your bike all day in the town centre and find it there when you get back. I went through a broker and can ride any vehicle up to 600cc fully comp. I don't know if they still do riders policies in the UK but its underwritten through NFU Mutual so I would imagine so.
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A hot topic, trying to get insurance for Zero's !.
I came across the same problem when phoning round some of the bigger names,they just didn't cater for Zero's, or they were through the roof,some quoting more than I payed on my Aprilia RSV Mille R - which is ludicrous!
I was beginning to think this was going to be the stumbling block for me going electric,pushing it from an affordable option to nearly out of the question.
I haven't tried some of the cheaper ones listed in this thread so thankyou. Up until this point, for me Lexam had been the cheapest,so when I get a clearer idea of when collection might take place when OLEV get their act together ( still waiting for Minister response )I'll have another crack at it.
Thanks for sharing your knowledge :-)
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My heart sank when the first quote I got came to almost £400! That's almost as much as I'm paying for my VFR!
Fortunately I stumbled across thebikeinsurer.co.uk which lead to a quote for £241 from wickedquotes.co.uk.
Bennetts, my current insurer, were hopeless and say they can't insure the bike, despite being about the biggest specialist bike insurer in the country. Lexham gave me a quote of £399 and when I used the bike insurer comparison site quoted £320. They wouldn't give me a discount over the phone though. Carole Nash are calling me back on Friday... Needless to say, I went with wicked.
Daylight robbery, that's what it is! I hope someone finds this info useful.
Those are yearly prices I hope?
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They are.
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Just insured with Lexham - £131, I guess it helped that my Zero-S is already with them.
For comparison
Bennetts quoted me around £700, I told them very politely where to shove their quote (I think I actually laughed at them)
WickedQuote was around £400 for me.
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Wow, excellent deal! Good to know, thanks.
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As I say, I suspect ammending the existing policy helped a lot. We'll see what the price is like come the renewal date... :)
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Thanks for this thread guys,tried wickedquotes as someone suggested on here and they quoted £197 TFT,I've been out of motorcycling for over 6 years since having the girls so nill NCB , and I put none for security device fitted,as I didn't know if the DS had one ? Need to contact Streetbike :-)
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There's no security device I'm afraid Gareth. You've got a great quote there though. If that's fully comp, I'd go for it. It's cheaper than what I paid and I've got three years no claims. Wicked also undercut everyone else I could find by over 150. I didn't find many companies that could quote either. Most of them don't know about Zeros and then matching the model can be tricky. They get confused when you start talking about battery sizes. Their records are out of date. Forget the DSP, just say it's a DS. Although you must have covered that ground already.
Tell them you've got a disc lock and lie about your mileage, that'll make it cheaper. Someone told me you can get away with under underestimating your mileage. Anyhow, you've done well, so I'd just go for it.
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Well I took you advice ' Mostly ' and played around online amending my quote,trying different variables :-)
Thought I'd share my findings.......Decreasing the voluntary excess barely made a difference to my quote,initially I set it at £400,but then decreased it to £200.
I had stated no alarm/immobiliser fitted as this doesn't come factory fitted,so it was just disc locks,chains,ground anchors etc......I found it made no difference what you use here,it was the same quote for disc lock as chain and ground anchor.
Tagging or tracker seemed to reduce the quote by about £12, which for me wouldn't really justify the initial outlay + with a tracker you seem to need a subscription for data transfer from bike to server etc.
If you chose to have the option of carrying a pillion, it seemed to make a difference of about £5.
So from the initial quote of £198, I tweeked it to £177,by lowering the mileage a little. The quote is with no security devices, except for an oxford disc lock.
The lowest I got it to was £158,but this was with tracker or alarm / immobiliser / tagging.
I recommend Wickedquotes hands down,you can play around with your quote online to your hearts content,and from what I've seen they undercut the others massively :-)
The variable that made the biggest difference for me was mileage!
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Cool, so are you buying or just getting prepared?
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Insurance was pretty interesting to pull of since the lack of cc's messed with a lot of rate calculation systems. In the end I'm at €45/month all risk.
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Yup,all being well pick up 5th May.............Streetbike offered to hold on till we heard something,but I decided to do the deal cuz it looks like the grant will just drag on :-)
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I have been tearing my hair out with Wicked quotes. I have been with them for 5+ years and have 3 other bikes on one policy with them.
I gave them the bike details, and they said "We are unable to unsure the 16 Zero SR, as it doesn't have an insurance group rating" I then asked them to quote for the 16 Zero DSR and they came back with £180 a year.
I told them to go back to the underwriter and tell them its the SAME BIKE.
Long and short of it, they refused to understand what I was saying, and instead just said sorry, its not possible.
All the other UK insurers are refusing to insure me as well. So frustrating, would hate to cancel the bloody order because I cant insure the thing!
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I have had a fully comp quote of £2600 for a DSR on wicked quotes. Way too much.
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When you have someone sitting infront of you or on the phone, be sure to tell them the bike makes 22hp. The owners manual for all the 2016 bikes say 22hp, SR or not.
If you let them just go look at the SR online, the Zero website will compare the torque with a literbike. That will make your quote insane.
meanwhile, if you have them look at the honest 22hp spec, they will compare it with 250cc-ish models. That should help.
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When you have someone sitting infront of you or on the phone, be sure to tell them the bike makes 22hp. The owners manual for all the 2016 bikes say 22hp, SR or not.
If you let them just go look at the SR online, the Zero website will compare the torque with a literbike. That will make your quote insane.
meanwhile, if you have them look at the honest 22hp spec, they will compare it with 250cc-ish models. That should help.
I wish there was a modicum of common sense in the insurance industry over here.
They look up the model, and its insurance group rating (a number). They then insure you on that, that's it, there is very little movement on the specification of the bike.
If the bike doesn't have a rating, then you would have to get the underwriters to rate it themselves (would never happen). Additionally, as we have no direct contact with the underwriters, its Chinese whispers to the reason they have actually declined it. They said "sorry, underwriters refuse to insure" and that's it.
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Wow. Getting insurance isn't cheap or easy! I'm very tempted at there moment to go for a Zero (SR or FXS) but costs are making it look less and less likely.
I'm a pretty safe bet and my Aprilia Dorsoduro 750 only cost me £108 fully comp. However, the best quotes I've got so far are £553 for the SR or £237 for the FXS - from Wicked Quotes. That's going to write off any potential savings on fuel/tax/servicing.
Also had a call from a dealer with a potentially good deal off RRP on a demo SR. That's until you realise the RRP has jumped from the £13500 he told me last week to £15300.
Much as I want a Zero, I might be sticking with the Dorsoduro.
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I'm with Ageas Insurance (part of the prudential) my renewal came through yesterday, and that was a couple of hundred for my 2015 SR.
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Interesting. None of the brokers I called (Lenham, Wicked, AA) came up with Ageas. Was this direct or through a broker? [I just checked and Ageas only deal through brokers.]
Ironically I worked for Ageas (Life) Insurance until recently when the life insurance bit was sold to AIG.
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I just got a new quote for swapping my Aprilia Dorsoduro over to a Zero FXS. Maybe it's due to the lower purchase price after the subsidy, but they now quoted me £101! That's lower than the Dorsoduro (£108). I went with Wicked Quotes for the DD because they could cover electric bikes and said I could transfer it over.
So how much will they refund? It'll cost me £52.40 in admin fees. Bastards.
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I pay € 68,- a year. Unfortunatly, for you guys, i live across the North-sea...
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Daylight robbery, that's what it is! I hope someone finds this info useful.
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Serves you right for inventing insurance over there! Haha!
I have Progressive (USA) which is very reasonable even if Flo is super annoying all bleached out an that. The Geico lizard is the worst, if I ever see that little green bastard, I may step on him!