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Re: First adventure bike stolen in 3 weeks - Triumph Tiger 800 XCX

Posted: Thu Apr 25, 2019 10:27 am
by daveuprite
rj006 wrote:
Thu Apr 25, 2019 9:23 am
Hi all,

A few weeks on, still no sign of the bike sadly..

I just wanted to say thanks to everyone who shared it, it was all over social media and comes up on multiple sites now if you search the reg on google. Hopefully, the b*stards who stole it will now have a hard time getting rid of it!

Managed to get all I paid for the bike back from the insurance which is great, meaning I didn't lose as much as I thought I would. However, thanks to this claim, my insurance quotes for the same bike have gone from about £600 per year to £1300+ a year!!! Unless I can find a cheaper quote, it's unlikely i'll be able to replace it sadly...

Does anyone have any tips or companies that offer decent insurance costs?

Well firstly, obviously, well done for getting a full pay out. But those quotes are terrible. Sounds like pure opportunism to me. The only slight compensation is the sure knowledge that all insurance agents have an especially toasty corner of hell reserved solely for them, close to the divorce lawyers and just along from Piers Morgan.

Re: First adventure bike stolen in 3 weeks - Triumph Tiger 800 XCX

Posted: Thu Apr 25, 2019 10:33 am
by rj006
daveuprite wrote:
Thu Apr 25, 2019 10:27 am
Well firstly, obviously, well done for getting a full pay out. But those quotes are terrible. Sounds like pure opportunism to me. The only slight compensation is the sure knowledge that all insurance agents have an especially toasty corner of hell reserved solely for them, close to the divorce lawyers and just along from Piers Morgan.
Thanks, it took a bit of negotiating but got there in the end.

haha tell me about it! What is the point of even having insurance. You pay monthly or yearly to be covered, then pay an excess if something happens to get the money back only for the premium to be more than doubled on the next one! They just have a complete hold over the customer :(

Re: First adventure bike stolen in 3 weeks - Triumph Tiger 800 XCX

Posted: Thu Apr 25, 2019 9:03 pm
by 92kk k100lt 193214
Sadly the reality is that you make a claim for theft you lose the excess off the claim and then the no claims goes with it.

For that reason some of us riding old bikes don't bother with making the claim. Can be cheaper to take the loss than go for the insurance pay out.

Re: First adventure bike stolen in 3 weeks - Triumph Tiger 800 XCX

Posted: Thu Apr 25, 2019 9:56 pm
by SHarper
92kk k100lt 193214 wrote:
Thu Apr 25, 2019 9:03 pm
Sadly the reality is that you make a claim for theft you lose the excess off the claim and then the no claims goes with it.

For that reason some of us riding old bikes don't bother with making the claim. Can be cheaper to take the loss than go for the insurance pay out.
But Shirley you could save money when getting insured by going for ‘Third party only’ (if that’s still a thing).

Re: First adventure bike stolen in 3 weeks - Triumph Tiger 800 XCX

Posted: Fri Apr 26, 2019 8:09 am
by Andi_Archer
I remember years ago looking up the price of third party and the quotes I received from the same company gave it £1 dearer than fully comp :lol:

Re: First adventure bike stolen in 3 weeks - Triumph Tiger 800 XCX

Posted: Tue May 21, 2019 5:38 pm
by Rocketman19
That's awful you must be gutted. Bike looked stunning as well and when it's your pride and joy its makes you really angry. :x
Will definitely keep an eye out and maybe an idea to check Ebay/MCN in case they try and move it on to an unsuspecting buyer!
Good luck with your insurance claim and hope you can afford a replacement soon.

Re: First adventure bike stolen in 3 weeks - Triumph Tiger 800 XCX

Posted: Tue May 21, 2019 6:04 pm
by 92kk k100lt 193214
SHarper wrote:
Thu Apr 25, 2019 9:56 pm
92kk k100lt 193214 wrote:
Thu Apr 25, 2019 9:03 pm
Sadly the reality is that you make a claim for theft you lose the excess off the claim and then the no claims goes with it.

For that reason some of us riding old bikes don't bother with making the claim. Can be cheaper to take the loss than go for the insurance pay out.
But Shirley you could save money when getting insured by going for ‘Third party only’ (if that’s still a thing).
That's entirely correct and what I do most of the time.

The sting in the tail now is most companies force you to a minimum of adding 'fire and theft' and of course the same rules apply......excess maybe 250 then los of bonus 400 first year 250 next year then 100 that's 1,000 and you cant go elsewhere because of a claims history.