Bike Insurance Quotes – The Occupation Effect

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!

2006 R1 in Black

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?

 

Sale Yamaha Closes

As George White opens this weekend, so Sale Yamaha closes. I was riding past this morning, glanced to the right and noticed that in place of Sale Yamaha was the horrific sight of yet another bright yellow Topps’ Tiles store.

Quite a shock, and a real quick store closure –  I can’t find mention of it anywhere. The website (www.saleyamaha.co.uk) just now redirects to Yamaha UK’s home page, and there isn’t even a sniff of news anywhere. Sadly, it’s just another in a long line of closures for Manchester’s smaller bike businesses.

George White Superbikes Opens In Bolton!

George White Superbikes are opening their first biking superstore in the north of England this weekend, in the town that can’t quite ever make city status….. Bolton!

Bike megastores Up North are quite thin on the ground these days, so this should make for a decent excuse to stop off and stretch the old legs on the way over to see my mum. Unfortunately, I can’t make it to the opening day on Saturday 13th – which is a shame, as they really seem to be pushing the boat out with prize giveaways, freebies, stunts, biking celebrities, competitions and more. No doubt I’ll be over at some point in the next few weeks for a look…

Cat And Fiddle Speed Cameras

I’ve always been a bit of a fan of the Cat and Fiddle – aka “The Most Dangerous Road In Britain.” For me, I can’t think of another stretch of road i’ve ridden along in this country that packs such a variety of bends over a relatively short distance. If you don’t go too crazy on the straighter bits, take your time entering the corners and keep concentration levels high it’s a relatively safe place to hone riding skills or scrub in a new set of tyres.

Having said that, i’ve tended to find the best time to go is on a dull summers evening – the weekends become a liability with unskilled riders wobbling around, fast “cat” addicts tearing up and down 25 times a day trying to prove something to everyone else, not to mention the heightened police presence and airborne patrols. It really isn’t worth it.

Since they added the average speed cameras in early 2010 however i’ve only been over a few times. Not because of the speed cameras, but mainly as I haven’t had too much spare time in the evenings of late. Now, i’ve read all the articles about the detour route (no cameras and a different speed limit) which leaves the cat and fiddle road and then rejoins about a mile further along – which combined with a lack of funding and cuts to the various partnerships and councils involved has led to a few teething problems. So i’m now led to believe that these Orwellian eyesores can’t catch me if I forget to stare out the speedo along the entire route – and instead concentrated on the road like any good biker should.

Except I can’t. They’ve kind of done their job, even though I know (for now) they don’t work. That’s because i’m paranoid. I can’t ever be sure if it’s going to be the day they’re switched back on, if you need to pass both the start and finish cameras or just be speeding between two, or if they can measure the stretch from Buxton to the Can and Fiddle pub, or from the pub down the A54 to Congleton. Who knows for sure?

I know some local idiots hang around in the lower lay-bys and then time each other with a round trip race to the pub (which no automated system will be able to catch out unless they start prosecuting via satellite), but for riders like me with more than my fair share of experience and reserve, the threat is enough. I don’t speed on the Cat and Fiddle any more – and what with the 50mph blanket restriction over the entire area in place, it’s now become pretty dull as far as finding some excitement on a bike is concerned. Corners aside, too much of my time has become absorbed with watching the speedo – and i’ve probably upped my risk level as a consequence.

I’ll still pop over from time to time, but it’ll never quite be the same again.