Modern Vespa

Hi all

Coming up to renewal time and just wondered who people are using in the uk or (London) for their vespa insurance?

I'm current with mce, (they were the best priced at the time) and being completely new to it all I just went with that.

I'm with MCE too, cheap and good cover! They deal with claims really well too

I'm with Hastings, they were the cheapest I could find.

I used MCN compare to find the cheapest deal. I got really cheap insurance through Hastings Direct.

2nd year with Bennetts, good price originally, no experience of claims etc and have been lazy letting the renewal kick in without searching the market this year. Though I'm in a low risk area in the shires, light user, garaged GTS etc.

I was with Carol Nash for quite a few years until cost became an issue. I went on a number of comparison sites and Swinton came up the cheapest by far and were good at getting the paperwork out.
Have not had to make a claim

Good luck Phil

I look at the comparison websites for the top 5 cheapest then go direct to their sites, generally saving more money that way.

i use ebike as i change scoots a bit and they dont charge admin fees

also they were over 50 quid cheaper

I'm with e bike also was with carol Nash originally but the took the piss at renewal time.

You're best off with a comparison site. You get a free meerkat with one of them

Swinton for me, been with them for the last two years and really good prices 8)

Russ

Checking the renewal note that's just come in the post, I pay £155 a year fully comp with £200 excess including £30 of legal expenses cover on my 2009 GTS300. The insurer is Chaucer with Bennetts the broker. You can't really compare like-for-like with mine but just sayin'...

I think I paid MCE fully comp inc RAC and helmet / leathers cover etc £207 for this first year on my 125

Just got my renewal in the post this morning..... Bennetts via Chaucer, fully comp, £200 excess, 2012 GTS300 (inc 3 penalty points)..... £129.52.

I changed my insurance this year to Swinton and am paying £67 pa fully comprehensive.

somerset

I did my first year with Motorcycle Direct (third party only) as that's all I could afford after getting the scooter. At renewal it was going to cost a bit more than the first year, so I switched to MCE. Fully comprehensive £160.

Check Ramasis... I don't have any experience with them.. Saw on another post, got a really cheap quote with them. I'm currently with eBike, was with MCE but premiums went through the roof after a theft claim last year.

I know I live in an area full of scum, but that can't justify £9.5k premiums or £1k a month!

For the yanks - £9.5k premiums = $14,926.02 / £973.79 per month = $1531.40

Just to give you an idea of insurance prices in New Zealand.

Based on Vespa GTS 300 (New $9600 NZD)
UK pound = approx 2x $NZD...so half the figures.

Full Cover - NZD352.

3rd PArty / Fire and Theft - NZD246

Fire and Theft Only - NZD176

Excess on all - $NZD250

Swinton was cheapest last year; this year Devitt was cheaper.

MCN compare is pretty awesome.

I've shopped around over the years but have stayed with eBike for the last three. Their inclusive breakdown assistance is a higher tier service than many of the other insurers who bundle it in. It includes home start and onward journey, and for me it made the overall price competitive even though they did not come particularly high in the comparison list. When I last checked, as best as I could tell, MCE's (and other's) standard inclusive breakdown cover was simply 'take you to the nearest garage and good luck'.

Course, I've never actually called on the breakdown assistance so can't really rate the service...

I have recently bought 2003 vespa px 125 and I live in notorious south London. My previous insurance was £200 through MCE with a compulsory excess of £500 plus £50 voluntary excess for an estimated value of £900 vespa px 125 which did not make much sense in the case of theft or accident but still went for it as bike insurance is a legal requirement. Despite no claims for my previous one, the quotes I get for the new one is more than twice the amount I paid last year despite the estimated value of bike is only £500-£600 higher.

MCE's offers the lowest premium e.g. £235 but with £850 compulsory excess for my new scooter which has an estimated value of about £1600. Carole Nash quote is above £700 with £150 excess. The best I can found so far is through 'wicked quotes' £375 with £150 compulsory excess and Hastings just about £400 with £150 excess.

It'd be helpful to know what other London geezers are currently paying...? I know premiums depend on quite a few variables and I have to keep mine at the driveway etc. I guess it is not a good time of the year to shop around for a bike insurance but can't wait to start riding again...

Current policy is with bennetts third party fire and theft which was £125 with a £400 excess. Had two minor incidents but never made any claims so now have 2 years no claims...

They want to renew at £270!! The renewal also stated 0 no claims! They have now corrected this and are sending me a fresh renewal. I also noticed they plan to AUTO RENEW using my card details (not sure I remember agreeing to that) but I will be cancelling that.

I have since found fully comp with MCE for £128 for the year

That's cheeky, they are not legally allowed to renew your insurance without your confirmation I suppose...? Anything around £150 would be brilliant (even £200) for me. Perhaps I should start checking third party, fire & theft insurances as well.

What is the excess for the MCE insurance? They usually have very high compulsory excess for comprehensive cover meaning most types of damage you might get on a scooter are well below their excess. if you do get an accidental damage, theft or vandalism etc that is higher than their excess and this is close to your estimated value they can decide to write it off which is shite again.

Hope you check that before accept the policy. What is yours estimated value roughly, only if you not mind to reveal..

The excess this year was 400

MCE want £500

The last time I got a quote from mce they wanted £750 excess

However, in most cases if an accident is not your fault you can get the excess paid for by the other party's insurer.

Mce are also one of the few that come up with breakdown too.

''However, in most cases if an accident is not your fault you can get the excess paid for by the other party's insurer''

this is a useful info, I did not know that, thanks.

I still feel I need to be careful with vandalism etc around where I live and work so high excess may not work well for me. Go skippy is offering about £370 premium for a comprehensive cover with £100 total excess.. being a bit paranoid after seeing a scooter knocked to a ground with terribly dented side panel, bended mudguard and kick-start lever...

I use Carole Nash, because the GT200 is 10 now it's very cheap on insurance and is on a multi bike policy so hardly adds anything to it.