OP
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LX 125
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Location: London
 
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LX 125
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I've been trying to get insurance for my Vespa LX 125. Last year it was £550 odd as I've had a couple of dings in 2021, 2022 in my car. This year, after searching for a week, when many wouldn't insure me, the best quote I could get was £948 from Lexham. However, after more searching this morning I've got full cover from www.bennetts.co.uk for £579!!! I was looking at not insuring my bike this year, but now I'm covered!!! Thank god for Bennetts!
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Vespa Primevera 125 touring 2017
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Vespa Primevera 125 touring 2017
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I think insurance quotes are one of lifes mysteries!

Opposite for me though, Bennetts quoted me £1000+ for this year.

As a tight Yorkshireman, I did go through Topcashback to get an extra £20 back.
@jakem avatar
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Vespa Sprint Sport S 125cc
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@jakem avatar
Vespa Sprint Sport S 125cc
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Bennetts don't cover you for theft between I think 10pm and 6am unless your Vespa is in the specific place that you state it will be (in my case a garage at my residence).

I think that's one of the ways they're able to offer cheaper insurance quotes - but means you take more of the responsibility for security.
OP
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LX 125
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Location: London
 
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LX 125
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That's good intel, I didn't know that. I'll call them to make sure they understand where mine is parked each evening!
@nycsuburbscoot avatar
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2024 Liberty 150 S
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@nycsuburbscoot avatar
2024 Liberty 150 S
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Location: New York
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Rorythescott wrote:
That's good intel, I didn't know that. I'll call them to make sure they understand where mine is parked each evening!
Responsibility and risk - like if you had to run an errand at that time and ended up somewhere else.
OP
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Lurker
LX 125
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Location: London
 
Lurker
LX 125
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Location: London
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I take it all back!!! Bennetts have just emailed me and there was confusion when I was filling out the form and apparently they will now not insure me!! I had 2 dings in my car, 1 in 10/2021 and 1 in 4/2022. I was insured last year with these on my record for £550. But now I cant get insured for less that £950+!!! Insane.

Does anyone want to buy a 2010 Vespa with 4k on the clock??
@jakem avatar
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Vespa Sprint Sport S 125cc
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Location: Brighton, England
 
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@jakem avatar
Vespa Sprint Sport S 125cc
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Location: Brighton, England
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Is third party insurance at an acceptable level? Drop fire, theft and fully comp.
@bob_copeland avatar
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2013 Vespa 300 Super, 2022 Kymco AK 550
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@bob_copeland avatar
2013 Vespa 300 Super, 2022 Kymco AK 550
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Location: Minneapolis USA
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As an insurance agent in the USA, I am fascinated with your insurance in the UK. It seems from posted info that there are many exceptions and rules. I have never heard of a two wheeled vehicle coverage that suspends coverage at night unless the vehicle is securely stored.

I can understand that your premium prices might be high if you have a number of Claims/Driving Violations in recent years. Also, could it be that your scooter theft is so bad - everyones rates are sky high?

Our Motorcycle/Scooter policies are one year at a time. For full coverage, Liability, Medical, Physical Damage to the scoot ($250 Deductible for Physical Damage Coverages) I pay $179 anually for my Vespa GTS300 Super and $269 for my Kymco 550. Obviously, if someone bumps me, I collect directly from their policy.

Good luck finding coverage.

Bob Copeland
Hey, group ride into SW Wisconsin tomorrow.
Just another day at the insurance agency.
Just another day at the insurance agency.
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2021 GTS 300 HPE +2013 GTS 300ie + 294 Polini
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Location: Pretoria, South Africa
 
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2021 GTS 300 HPE +2013 GTS 300ie + 294 Polini
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Location: Pretoria, South Africa
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I must either be lucky... or else South Africa has less of a 'rip-off' mentality in the insurance sector.

All six vehicles belonging to my wife and I are comprehensively insured under a single policy. Our premium is risk-based on the vehicle itself, where we reside and what security measures we have in place at our residence.

Both of us being over 55 years of age, we have a zero deductible on the first claim per vehicle per year. However, there is a deductible applicable if any vehicle is parked overnight away from that residence, or if it is driven by a licensed person other than me or my wife.

PS: Most vehicle insurance policies here are ultimately underwritten by one of two large insurance companies.
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