Flexirider - motorcycle insurance by the day

Like this idea a lot.

Posted: 13/08/2008 at 16:08

ohhh about time i say.

Posted: 13/08/2008 at 18:28

the exclusions are quite thorough though.

No non-road exhausts, must have an immobiliser etc

Posted: 13/08/2008 at 18:37

E-Bike do a monthly policy. Pay a month at a time, not an annual policy with the premium spread over 12 months.

Costs me £14 per month for the Laverda. Cancel it at anytime. New douments sent out to you each month.

Posted: 13/08/2008 at 21:31

Wouldn't touch ebike with a shitty stick.

I just tried to get a quote for this to transport  the ER6n up to my current address to make it easier selling it (for viewings etc). It tells me that the rider of that vehicle needs to be at least 30 to get flexi insurance. 

 Why? 

Posted: 14/08/2008 at 17:57

Max Bardwell wrote (see)

Wouldn't touch ebike with a shitty stick.

I just tried to get a quote for this to transport  the ER6n up to my current address to make it easier selling it (for viewings etc). It tells me that the rider of that vehicle needs to be at least 30 to get flexi insurance. 

 Why? 

Cos that's the rule that they apply - their view is any younger and the risk is too high.

Told you there were a lot of exclusions

Posted: 14/08/2008 at 19:12

That's fair enough. It's their ball and they can insure who they like.

Why is it based on age and not experience though? Surely risk is a result of your experience and not your age. Wouldn't a 20 yr old bike with 3 years continuous experience be less risk than a 30 yr old just pased biker?  

Not that I am 20

nor have I three years experience

Posted: 14/08/2008 at 20:25

Max Bardwell wrote (see)

That's fair enough. It's their ball and they can insure who they like.

Why is it based on age and not experience though? Surely risk is a result of your experience and not your age. Wouldn't a 20 yr old bike with 3 years continuous experience be less risk than a 30 yr old just pased biker?  

Not that I am 20

nor have I three years experience

I always thought that.  The problem is if your 30 and just pass your test the insurance company will still screw you for money, dont worry about that.

Posted: 14/08/2008 at 20:30

Actuarial risk tables, which I don't understand, but they are pretty accurate. it's also a way to limit fraud with these policies, as under 30s are statistically more likely to crash and / or try to defraud the ins co.

Posted: 14/08/2008 at 20:33

what the fuck 30?! load of shit.

Posted: 15/08/2008 at 01:10

Max Bardwell wrote (see)

That's fair enough. It's their ball and they can insure who they like.

Why is it based on age and not experience though? Surely risk is a result of your experience and not your age. Wouldn't a 20 yr old bike with 3 years continuous experience be less risk than a 30 yr old just pased biker?  

Not that I am 20

nor have I three years experience

Looks like it will be handy for the occasional rebuild for tax/mot but I wouldn't rely on it, the terms are fairly draconian. Lock it up with a mechanical device every time?

The thirty year old limit is just the half of it, you need FIVE years bike licence too.

Too bad for all you noobs then

 Screwd. 

Posted: 15/08/2008 at 09:12

Cool idea though. Wonder when you'll be able to tax your bike by the day? Oh I know, NEVER- Gordon wouldn't like losing the money never mind SORNing and unSORNING...

Posted: 15/08/2008 at 09:33