Bemoto Insurance

The news and your views about biking
User avatar
Kwacky
Posts: 39062
Joined: 21 Oct 2013, 21:52
Your Bike: Brutale 800RR, 1000SX Ninja
Location: Brum
Has thanked: 4372 times
Been thanked: 8438 times

Re: Bemoto Insurance

Post by Kwacky »

Hastings Direct are geared up for a certain customer. You're not one of them. You've 2 wheels short for a start.
User avatar
D41
Posts: 13209
Joined: 22 Sep 2014, 11:36
Your Bike: Triumph Daytona 650.
Has thanked: 4347 times
Been thanked: 1150 times

Re: Bemoto Insurance

Post by D41 »

?????
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

Kwacky wrote:I wonder if as a new company they are underwriting part of the policy excess to get new business in?
How does this work Kwacky ?
User avatar
Kwacky
Posts: 39062
Joined: 21 Oct 2013, 21:52
Your Bike: Brutale 800RR, 1000SX Ninja
Location: Brum
Has thanked: 4372 times
Been thanked: 8438 times

Re: Bemoto Insurance

Post by Kwacky »

Your excess should be £600 (an example)

However, the company tell you that it's only £250 to get your business in. If you claim, they stump up £350 as part of the settlement, so you only lose £250.

It's a risk they take. They may well have their own insurance policy to cover that excess.
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

I got a quote from bemoto today and they were based on a £600 excess so I don't think so pal.
User avatar
Rossgo
Posts: 10407
Joined: 14 Mar 2014, 02:01
Your Bike:
Location: Berkshire
Has thanked: 5280 times
Been thanked: 1326 times

Re: Bemoto Insurance

Post by Rossgo »

Blade. That's a shame Bemoto couldn't help you in this situation. £600 excess is blinking steep!
User avatar
Kwacky
Posts: 39062
Joined: 21 Oct 2013, 21:52
Your Bike: Brutale 800RR, 1000SX Ninja
Location: Brum
Has thanked: 4372 times
Been thanked: 8438 times

Re: Bemoto Insurance

Post by Kwacky »

Blade, you asked how a company can underwrite part of the excess. The figure of £600 was plucked out of the air and used as an example.
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

Tbh Rossgo living in a major city on a litre bike that's a typical excess in my experience.

Bemoto did offer a separate excess cover policy which would pay 500 toward my excess though.
User avatar
Rossgo
Posts: 10407
Joined: 14 Mar 2014, 02:01
Your Bike:
Location: Berkshire
Has thanked: 5280 times
Been thanked: 1326 times

Re: Bemoto Insurance

Post by Rossgo »

Ahh right I see what you mean mate. Well hope you are a bit closer in choosing who you will go with
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

TBH Rossgo Bemoto have done me a very good quote.

There £40 more expensive than Bikesure but the Policy extras are useful and add up to alot more than £40 so I think Bemoto will get my business.

Spent an hour on the phone to them and have to say I was very impressed. Friendly, helpful, knowledgeable on bikes and insurance and good cover.
User avatar
Rossgo
Posts: 10407
Joined: 14 Mar 2014, 02:01
Your Bike:
Location: Berkshire
Has thanked: 5280 times
Been thanked: 1326 times

Re: Bemoto Insurance

Post by Rossgo »

This sounds ace Blade. I do agree the guy I talked too knew his stuff and did stay on the phone with me for some time but that's good that's how to drum in the business by spending the time with you. Some of these companies don't bother all they are interested in is your wallet. Glad this thread has helped out mate. Don't get me wrong I was with bikesure for 2 or maybe 3 years and they did me proud but glad I tried something different!
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

Just got a quote of Bemoto to ride the zx10r but lay the sp2 up as Sorn.

It's £70 more expensive to NOT ride the SP2.

I guess the theft risk is higher if the vehicle is laid up.

How weird is that. Cheaper to ride it than not ride it.
User avatar
Monty
Posts: 6747
Joined: 12 Mar 2014, 07:59
Your Bike: KTM 690 SMC R
Location: Peak District
Has thanked: 2145 times
Been thanked: 2475 times

Re: Bemoto Insurance

Post by Monty »

Just got a quote from them and they couldn't get down to the Bennetts quote of 115 quid for my bike with it's current mods. Will definitely give them a shout next year when I get more mods, seem like really nice guys.

However it is with a heavy heart that I report the following quote on an email from Bennetts
Please note: Your monthly direct debit will show on your bank statement as being paid to Saga Services Limited.
Monty™© MCMLXXII
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

A good thing is they replace the mods like for like.

So if you have an akrapovic end can and drop it they will replace with a brand new Akrapovic end can, where in my experience a lot of insurers will cover the mods but replace with OEM parts.
User avatar
D6Nutz
Posts: 7529
Joined: 21 Oct 2013, 21:26
Your Bike: Speed Triple 1200 RS
Has thanked: 828 times
Been thanked: 2673 times
Contact:

Re: Bemoto Insurance

Post by D6Nutz »

Blade wrote:A good thing is they replace the mods like for like.

So if you have an akrapovic end can and drop it they will replace with a brand new Akrapovic end can, where in my experience a lot of insurers will cover the mods but replace with OEM parts.
I asked bikesure about this, and they also replace like for like on mods. I was interested in the fairing, and they said they would even go so far as to find and instruct the same Chinese company that originally made the fairings.
You never really learn to swear until you learn to drive.

If everything seems under control, you're not going fast enough - Mario Andretti
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

Good cover but wouldn't you be better getting an OEM Aprilla Fairing Nutz ?

Would they give you the choice or insist on the cheapest option ?
User avatar
D6Nutz
Posts: 7529
Joined: 21 Oct 2013, 21:26
Your Bike: Speed Triple 1200 RS
Has thanked: 828 times
Been thanked: 2673 times
Contact:

Re: Bemoto Insurance

Post by D6Nutz »

Blade wrote:Good cover but wouldn't you be better getting an OEM Aprilla Fairing Nutz ?

Would they give you the choice or insist on the cheapest option ?
The OEM fairing is boring, and there aren't that many people left to sell it too for a quick buck.

TBH with the age and value of the bike the fairing and rear sets getting trashed would be probably enough to write it off.
You never really learn to swear until you learn to drive.

If everything seems under control, you're not going fast enough - Mario Andretti
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

My bad Nutz (blush) I hadn't really thought it through and just thought the OEM might be more valuable.
User avatar
D41
Posts: 13209
Joined: 22 Sep 2014, 11:36
Your Bike: Triumph Daytona 650.
Has thanked: 4347 times
Been thanked: 1150 times

Re: Bemoto Insurance

Post by D41 »

Blade wrote:Just got a quote of Bemoto to ride the zx10r but lay the sp2 up as Sorn.

It's £70 more expensive to NOT ride the SP2.

I guess the theft risk is higher if the vehicle is laid up.

How weird is that. Cheaper to ride it than not ride it.
Isn't that just the usual multi-vehicle discount kicking in??
User avatar
Blade
Posts: 18772
Joined: 14 Mar 2014, 18:43
Your Bike: Kawasaki ZX10R
Location: North West
Has thanked: 3134 times
Been thanked: 3767 times

Re: Bemoto Insurance

Post by Blade »

No not really. TBH I can quite often beat a multi bike policy price with 2 single stand alone bike policies if I could use my NCB on both single polices but unfortunately I can't so have to go down the multi bike policy route.
Post Reply