Official Honda Insurance

[CoolBikeRider]

I can't believe this!!!!

(By the way, this is from Birdinflight!!! Didn't log out from DEreks :blush: )


We have someone from the insurance sector, and Honda Insurance to boot, who is willing to stick his neck out to answer all our questions, some of which are always floating around on this forum. Not a day goes by when someone is not griping about insurance, me included.

He comes to help out, with all the problems, the mystery of insurance companies, facing praise and critisism.

What happens?? He get sent packing because we are worried he is touting for business!!! OF COURSE HE IS!!!! But does it matter?????

We are all capable of picking the phone up and making our own decisions on which insurer we use, which type of insurance, how much excess etc etc, so why can't we deal with someone who may just maybe give us a good deal???

Sorry Wiz, Jaws, but I think this is ridiculous. Providing we all know that Kes is trying to find more business whats wrong with that?? If he can give some or all of us a better quote, then I say bring him back NOW!!! If you are stupid enough to feel threatened by his prescence and feel he is pushing you into going with Honda Insurance, then you need help!!

Proud to be a member of BIRD! :} not when you treat people like this.

By the way, this is from Birdinflight!!! Didn't log out from DEreks :blush:

 

[Jaws]

Sorry Wiz, Jaws, but I think this is ridiculous. :

Errr.. no need to appologise to me mate.. I aint said or done not noffing me !

I am staying well out of it !

Dont wanna piss Wiz off and dont wanna piss anyone else off .... Please Bif, go back on the thread and read my input.. that should clarify where I stand..
Wiz made his post with the best intentions cos of things that went on on the vfr forum..
The same things did not happen here and having spoken to Wiz he did say 'oops, I should have read the whole thread '

Classic case of lots of jumping up and down for not a lot of reason ( which is nice to watch but I am too old to get the benefit from LOL !!

 

[Jono]

This wont happen i assure you.

Kes

Kes, I took out Honda insurance last year when I bought my new '04 'Bird as recommended by my dealer. At that time you came up trumps and it cost me ?300 F/Comp with ?600 excess. My renewal has just come through and it has gone up to ?350, I have never had a claim on any bike, and I now have 4 yrs NCB. I did make a claim on my car insurance last april when someone hit my car and drove off, I was not there. I got a better quote from ringing round (?293 with ?550 excess, business use and protected NCB). I contacted Honda to see what they could do and was curtly told, "would you like us to send you your proof of no claims at the end of the month"? My insurance with Honda runs out 1st March, I was happy to stay with them but they weren't interested.

 

[Jono]

DOHhhhh, just when I thought I might get an answer someone pulls the plug! I should have read the top threads. 8l1nd

 

[birdinflight]

John, not having a go at you

Errr.. no need to appologise to me mate.. I aint said or done not noffing me !

I am staying well out of it !

Dont wanna piss Wiz off and dont wanna piss anyone else off .... Please Bif, go back on the thread and read my input.. that should clarify where I stand..
Wiz made his post with the best intentions cos of things that went on on the vfr forum..
The same things did not happen here and having spoken to Wiz he did say 'oops, I should have read the whole thread '

Classic case of lots of jumping up and down for not a lot of reason ( which is nice to watch but I am too old to get the benefit from LOL !!

Just get cross at the negativity and some always having to try and find something bad to moan about.

So is he coming back or what?????? :dunno:

 

[Gerrard]

Honda

Well here's my input to this.
If Honda has its own insurance and they sell Hondas all over Europe why do we only have the useual 60 or 90 day( If lucky) European cover.... why is it not valid any where in Europe at all times.
also why dont you have it in Spain where I live.... why do some countries get Honda insurance and we dont.
Paul ( Zippo)

 

[trophychap]

Honda can't sell insurance because it's very difficult for anyone who isn't either an insurance broker or an insurance company to 'sell' insurance now under the FSA regs. You have to be able to prove that you have the necessary expertise and experience to enable you to offer customers or potential customers 'best advice' and you have to be able to supply a plain English version of the cover instantly with each quotation, so that customers can make an 'informed' decision. So if you offer 10 different premiums with 10 different companies, you have to send 10 different cover details as well.

A lot of people who have previously sold insurance like washing machine manufacturers and the like, have stopped doing so since the middle of January when this all came in. I would be quite interested to know how CIA - who must either be brokers or 'tied' agents (ie they only represent one insurer) put their quotes forward - but I conclude they must be brokers because they have offerred someone on here cover with a different company (the chap with the Class 1 use)

It's really quite complicated legally.

EEC my foot. International law states that it is only possible to insure a vehicle in its country of registration. Therefore if anyone wanted to offer something EEC-wide or world-wide they would need to negotiate with an insurer - or a broker - who dealt with that class of cover in every country in the EEC or the world.

Basically in practice you have two choices. If you don't have time to ring round, then just renew your cover with your existing insurer who doesn't offer any guarantees that he is either the cheapest, or the best. If you have the time, ring round 126 different companies out of the back of 'Ride' magazine (NB about 30% of these will be Bennetts by another name!!) and compare all the quotes, taking the one that suits you best in terms of both cover and premium. If your insurer has paid out a lot of claims (not necessarily on the Motor account!) in the last 12 months (think of 9/11; the tsunami; the odd bullion robbery) then your premium will increase despite the fact that you personally have been a very good boy indeed. Insurance companies are not benevolent societies! They have to make one hell of a profit to enable their solvency margin (ie premium against claims - paid, outstanding and anticipated and remember there are some multi-million pound injury settlements happening all over the world) to remain at the level required by the law for them to even continue trading, let alone provide dividends for their shareholders. This is for OUR protection so that when (God forbid) one of us has an accident, we will have 'the strength of the insurance comanies' (LOL - anyone old like me, remember the V & G debacle!!!!) to protect us.

I am very sorry if this post is too long and you have lost the will to live; the long and short of it is, if you want to spend your money on things you need to insure, then it is up to you to put the work/time in to get that insurance. Brokers will assist by asking the different companies they deal with, to prepare quotations so you can save some time. But they have to spend their time, and so do the insurers, and YOU have to pay for it!

I have worked within the British insurance industry for the last 38 years and continue to enjoy my job. But if I (or the company I work for) had to start dealing with personal motor cover, I would resign because it's just TOO MUCH HASSLE!!!!

Jenny (just an honest broker)

 

[Wiz]

Despite initial reactions, it's not a good idea to let commercial organisations tout for business in our open forums, please let me explain: I was very happy to see Mond on the VFR site, in fact, I told John about it on the phone. To start with, he seemed to be just helping people out, but then he started making posts that were clearly touting for business. Here are a few examples:

• "Two have had more than satisfactory results from me , a reduced excess and a saving of over ?400 on an insurance quote"
  
• "the price you have had looks good but beatable - give us a try a few weeks before your renewal."
  
• "email me your number and i will give you a call if only to give you some advice"
  
• "If you want too email me your telephone number to kes@insuremyhonda.com with your full name and postcode and i will call you to discuss"
  
• "?400 for your bike seems very expensive. Email me your full name / postcode and i will be more than happy to look into"
  
• "Speak to me at renewal and i will do all i can to sort you out"
  
• "call or email me if you need any help !!!!"
  
• "I think the quote you have / policy taken out is more than beatable - in october check the MCN etc abd give us a call - speak to me if you can"

So what? I hear you say. Well, it's like this; we have always has a no advertising policy on the forums. In fact, we have turned down a lot of very lucrative offers of advertising to keep the forums free from any kind of commercial funding. There are two reason for it: 1. Most people like the ad free environment we have here - the thought of suffering flashing adverts and pop-up etc is not a nice one. 2. By staying completely independent, we ensure that if any of our members gets bad service from someone, we can tell the full story here and thereby usually make the supplier put things right (and that has happened lots of times I can tell you). However, if the supplier in question is also an advertiser, to make a negative post about them becomes very difficult.

This means that we are virgin territory for a lot of suppliers and having been told they cannot advertise on here, they regularly turn up with some ploy or other to get a bit of free publicity. We have said posting adverts or messages trying to tout for business is not allowed and we have to draw a line at that. If we left it unchecked, it would be an open invitation for every potential supplier who would like to be selling to you to come on here and post messages offering us deals. I know that most members (including me) do not want to wade through endless posts from people trying to flog them stuff and so we have an outright ban on it.

This was explained to mond nicely at first, but he didn't want to take no for an answer and started several new threads in various places offering people his contact details. In the end, I had to tell him that if he didn't stop, regrettably he'd be banned.

It was also explained to him that we would value having someone in his position on the forum, but that we have way of doing things so that our members get the best deal possible and our forums do not turn into a free notice board for advertisers: If a company wants make us an offer, they need to pass the saving made by not having to pay for advertising onto our members. They have to come up with an exclusive offer that is over and above any discounts or promotions they are offering to Joe Public, thus making sure that our members get the very best deal possible.

I'm pleased to say that mond did eventually apologise and has gone to speak to his superiors at CIA to try and come up with a package that will give us all a cracking deal. If he comes back with something good, we could even give him his own forum which would act as our own direct customer service channel. There are lots of good possibilities, but it would be better for everyone we do things in an above board manner, rather than posting on all our forums under the pretence of "only wishing to help", but then posting comments like those quoted above, which are clearly attempts to tout for business.

Sorry for the long post, but I hope you can see I am only trying to protect our forum from becoming a free ad zone and at the same time make sure our members get the best possible deal.

 

[chuffmeister]

As for the fully comp / tpft issue.

I have Fc protected, 4 yrs .

if i wipe out BIG TIME all on my own, i can claim for the bike, but then i will not be able to insure a xx again, however at least i will have recovered some of my money, if i was tpft then I would have lost all but the scrap value of the bike


If wipe out, on a lesser scale then I wouldnt claim and repair myself so not to increase premium etc , so yes tpft is a better option now

As for cost, 4 yrs ncb 9 protected) but only 3 yrs full lience, ( that c 50 paid dividends ) a pup of 33 FC was ?350 but tpft was not much less at ?280 . This was following 5 hours of phoning and rephoning everyone...........

as for honda ins.....:neenaw: well over ?500


Is my way of thinking complete Bolloxx :dunno: Do I need :h

 

[Jono]

Any chance of that cracking deal happening before the end of this month?

 

[Wiz]

Not sure Jono, that ball is in Mond's court, but I think he is keen so I'm hopeful that it will.

 

[Jaws]

As for the fully comp / tpft issue.

I have Fc protected, 4 yrs .

if i wipe out BIG TIME all on my own, i can claim for the bike, but then i will not be able to insure a xx again, however at least i will have recovered some of my money, if i was tpft then I would have lost all but the scrap value of the bike


If wipe out, on a lesser scale then I wouldnt claim and repair myself so not to increase premium etc , so yes tpft is a better option now

As for cost, 4 yrs ncb 9 protected) but only 3 yrs full lience, ( that c 50 paid dividends ) a pup of 33 FC was ?350 but tpft was not much less at ?280 . This was following 5 hours of phoning and rephoning everyone...........

as for honda ins.....:neenaw: well over ?500


Is my way of thinking complete Bolloxx :dunno: Do I need :h

In the real world, the figures do not add up.. But then I am looking at this from the perspective of someone who can use a spanner and has lots of friends who would help out big time..

I spose if you have no friends and do not know an open ended from a ring pull off a beer can then yes, FC does make sense !

 

[gypsy]

so ya reckon Berts got fully comp then John?

 

[Jaws]

Doubt it mate...
Sad to say Bert meanders through life genuinely believing he has friends..

Its a shame really.

 

[birdinflight]

I am pleased to read your post Wiz

glad that we or you (no offence meant at all) are not being stubborn about all of this. I think it would be a great idea and a major asset to BIRD and other forums if Mond can get some sort of deal going for everyone.

On this FC or ThPF&Th business. I personally disagree with you John. From personal experience. When I bought my CBR6 in 2000, although I did not pay much for it ?900, I wish I had insured it fully comp. As after I had the accident no amount of spanner work (Derek being more than capable) could have put that bike together again.

Not only did I lose the bike and we had done much work on it, but I lost all my leathers. Plus I had to pay for the recovery of it and then partial payment of the recoverys storage. All the time lying in a hospital bed and losing money on employment. I literally came out with only my boots.

I guess its a personal preference, but I will always insure fully comp, either on bikes or cars. I just spend alot of time phoning around getting the cheapest deal I can. No chance of me buying a bird or even a new bike, so insurance is usually pretty low for me.

Anyways, each to their own!!

 

[Jaws]

With all due respect BIF, your statement is obviously flawed in the extreme mate..

How can a MOTORCYCLE not be rebuildable ? Put it in a crusher maybe ?

I believe you posted pictures many moons ago, and yes, it was a tad unwell to say the least, but considering you could have bought a complete rolling chassis for the thing for 300 quid, another 150 on plastics, and maybe 250 sovs on other bits, the sums still come out to support me.

Sure, have your opinion BIF, which I will not only respect but defend your right to have to the bitter end.. but making a statement that is not factual falls into another catagory altogther !

Lets also examine an aspect often missed or forgotten..

Exactly how many bikes does the average person trash beyond recognition and walk away from in a lifetime ?

lets say for arguments sake you are right and no matter what, that 600 was fooked...

How much have you been paying in fully comp ever since ? Just add it all up ..

Now I know you had the oops with Derek later, but he fixed that himself at some little expense..
Well after you have added up all your FC payments, devide by two ( to get what you would have paid TPFT approx ).. if the repair to your bike even comes close to covering the excesses paid I will eat my hat !


With respect :bow: your tormenting argumentive friend,

 

[Wiz]

Doubt it mate...
Sad to say Bert meanders through life genuinely believing he has friends..

Its a shame really.

you're a harsh man John.

On the protected NCB front, the way it was explained to me was as follows:

There are two factors that discount a policy rate: 1. How much NCB you have, this is expressed as a percentage discount off the full price. 2. All other factors that increase or reduce the premium i.e. driving convictions, security measures, location and of course, accident history).

If you make a claim with you have protected NCB, you stay at whatever percentage discount you were on, but the other factors still apply. For example, if your premium is ?1000 (god forbid) and you had 60% no claims, you premium would be ?400, then you claim. Now your discount is still 60%, but your base premium of ?1000 has gone up to say ?1500 because there is a claim added to your history. Net effect, your premium still goes up from ?400 to ?600 when it is time to renew.

The insurance company will point out that if you hadn't had a protected NCB, your premium would have been ?1500 with a 0% NCB, but it still pisses you off when you get a 50% increase despite having a PNCB :bang: .

The thing that really hacks me off is that any claim you may have had in your car must be declared to your bike insurance company and will affect your premium, but if you have a long no claims history on your car, does it count towards any discount on your bike premium? Does it f*^k

 

[Jaws]

See.. I told ya !!!
Edging towards it .. nice and slow...

Hoping no one notices !

Well sorry Wiz, you have been sussed mate !!

http://www.bikersoracle.com/blackbird/forum/showthread.php?p=167042#post167042

 

[Wiz]

See.. I told ya !!!
Edging towards it .. nice and slow...

Hoping no one notices !

Well sorry Wiz, you have been sussed mate !!

http://www.bikersoracle.com/blackbird/forum/showthread.php?p=167042#post167042

Yeah yeah, but we negotiated a deal with the management and are offering stuff with permission, just like you are with the only banner allowed anywhere on BO on the top of your forum :neenaw: :f :m

 

[Jaws]

Steady the Buffs old man, steady the Buffs !