That time of year again – the dreaded bike insurance renewal.
My current provider of forced choice is Bennetts – who are quoting this year £255 for TPFT on a 2006 Kawasaki Ninja ZX636. I always shop around come renewal time, and this year is no exception – utilising the bike insurance comparison providers on Bikerinsure.co.uk.
Being self employed and with a couple of “jobs”, it’s quite tricky to know exactly what to put down in the employment fields. As no-one has given me a job title, it’s down to me to decide exactly what I want to call myself. Strictly speaking, i’m in catering – but also the owner and proprietor of said business. Changing the fields from “catering” to “proprietor” (both the absolute truth!) does indeed have an impact on how risky I am. Delving further, I decided to enter my job title as “marketing consultant” as I also do this in a not exactly part time capacity. That reduced my quote by a not insignificant margin – so much so that I decided to call up and explain my current position.
On the phone, the consultant suggested I should put both occupations, but wasn’t much help in deciding exactly what I should call myself. Do other self employed people with a couple of different fields of work, and no set job title find it’s difficult knowing what to do? She also seemed to find it hard to understand that I was “full time” in both – which is the truth, as I work about 40 hours per week on the catering, and 30 on the marketing. You’d think this would result in a quote with the value equivalent of a bag of peanuts as there would appear to be no time to ride, but it was hard to work out what exactly it did do.
Anyway, I’ve actually decided to think about changing my bike in the next few weeks – I have my eye on a rather tasty ’06 R1 in stealthy black (with the matt black bits) from Hunts Motorcycles in Manchester. Insurance on that is up at around the £500 mark – but is £50 more if I work in catering rather than marketing!

Suppose i’ll wait a coupe of weeks until renewal time, get a few more quotes and play around with the semantics of what I do for a living.
Oh, and is it difficult to find bike insurance for KTM’s or what? – I quite fancied an SMT before I realised they’d not been out long enough to come down to a reasonable price. Nevertheless, I queried the likely insurance cost only to discover that none of Bennetts underwriters would quote – what’s up with that?