Insurance for VTR - coming from Canada

Pem Brooke · Post by **Pem Brooke** » Thu Nov 28, 2013 2:01 am

I'm new to the forum...first post
I have lived in Canada for 11 years but I'm originally from West Yorkshire. Moving home to UK in Spring 2014 (North East). I'll be bringing my VTR with me...but what is the typical Insurance cost?
58 years old, full clean License, no claims. Bike is a 2000. What is a typical Insurance premium?

Wicky · Post by **Wicky** » Thu Nov 28, 2013 2:19 am

Greetings

Shouldn't be too much - £100 - £200 or possibly less depending on type of cover TPFT or Fully Comp and where precisely your new home address will be - urban/rural. Not sure if your Canadian no claims would be applicable back here but worth mentioning.

Try Carole Nash http://www.carolenash.com or Bennetts http://www.bennetts.co.uk or hunt around the compare websites

lloydie · Post by **lloydie** » Thu Nov 28, 2013 10:55 am

Why it's sh1t here stay there well that's what my cousin wished she done . She lived there for 18 years then came back and regrets it every day.

Oh and hello and welcome

Virt · Post by **Virt** » Thu Nov 28, 2013 10:57 am

Well I'm 19, one year no claims and it's £365 a year fully comp. Does that answer your question?

It's a surprisingly cheap bike to insure in honesty.

Welcome to the forum, by the way

Saintsman27 · Post by **Saintsman27** » Thu Nov 28, 2013 12:06 pm

Hi m8tey .. you will not have a problem... there are many insurers out there... I have a
few years on you M8 ... I checked out Ebike insurance got TP F+T for about £125 on a VTR 2003F
I dont have any NCD... but just experience etc... I took that deal but I am sure you will get sorted
if you look around ..

mik_str · Post by **mik_str** » Thu Nov 28, 2013 2:10 pm

Hate to see you leave bro'........ Good luck with the move

Pem Brooke · Post by **Pem Brooke** » Fri Nov 29, 2013 1:34 am

Thanks for the info and for the warm welcome! I'm paying the equivalent of 550 pounds to insure here in Ontario...Insurance is very expensive for the car and the bike (we also have a Chrysler Voyager) and pay 800 pounds a year for that too!

I understand why folks would question moving back....but there's pro's and con's for any country that you live in! We've had 11 good years here in Ontario, but here are some reasons for the move...these are just my own opinion, others may see it differently;
Pro's for UK;
Great history and countryside
BSB
Curry houses
Great biking roads (Northumberland)
Cheaper cost of living than Canada - 25% cheaper (for example, the rates on my house in Canada are 5,500 pounds a year and it's nothing fancy!
Family and friends

Con's for UK
Not many
Weather - rain - don't mind the cold
Governments are the same the world over, so don't care about that

Pro's for Canada
Easy pace
Great healthcare
Generally higher wages
Feels like the 70's. Novel at first, but that wears off after a while
Open roads

Con's for Canada
5 months of winter, down to minus 20 for 2 months. This morning it was minus 10.
Expensive
Worse drivers than UK (trust me on that one)
2 days drive from the coast

But really looking forward to a blast on those Northumberland country roads on my fave VTR!

Troutman · Post by **Troutman** » Fri Nov 29, 2013 7:55 am

I live in the Scottish Borders and we often go down to Banburgh / Seahouses with the kids and dog..beautiful part of the country. If I moved from here which is also really lovely, being English I would move to Northumberland.
Newcastle is an amazing city in many ways and it's a really good place to travel from with the airport, rail and A1.
Property in some areas is very cheap, in the country it's quite pricey.
Good Luck

Pete.L · Post by **Pete.L** » Fri Nov 29, 2013 8:48 am

A favorite part of the country for me too

Many fond biking memories just cruising up the B1068 along the coast road or firing out the back of Alnwick up into the Cheviots. My Gran lived in North Broomhill so we used to use that as a base and travel all over really

Watty · Post by **Watty** » Fri Nov 29, 2013 12:40 pm

Welcome aboard mate and good choice on coming north east

AMCQ46 · Post by **AMCQ46** » Fri Nov 29, 2013 4:05 pm

welcome to the forum and to coming back home.

looks like you will be home in time for the next OP Storm in SW scotland, should be ideal for you to pop over to the west side of the fair land.

look here http://www.vtr1000.org/phpBB3/viewtopic ... 14&t=30288

lumpyv · Post by **lumpyv** » Fri Nov 29, 2013 6:31 pm

welcome aboard.

I would hit one of the comparision websites? I wonder if any ncb you have is transferable?

Pem Brooke · Post by **Pem Brooke** » Sat Nov 30, 2013 1:25 am

Here in snowy Canada (minus 16 this morning) they don't operate a No Claims structure...it's kind of a flat rate unless it's a hyper sport like a Busa. Basically most insurers charge around $1 per cc...so any 1000 bike is $1,000 (600 quid). I shopped around and found a Policy for $850 (550 quid). That said, I do intend to get a letter from my Insurers to say I have no claims on my Bike Policy in the 10 years I've insured bikes here in Ontario.
They do pay out quick though....even though premiums are expensive for cars and bikes...I had a car written off (not my fault) and they paid full market value within a week....

Pem Brooke · Post by **Pem Brooke** » Sat Nov 30, 2013 1:26 am

PS forgot to say "thanks" for all your advice and the warm welcome!

VTR1000.ORG