This is a bit of a complicated one so I'll try keep it simple...
Any assistance would be greatly appreciated...
I'm 33, passed bike test 08/2013, Tenere is my first big bike and love it, no mods aside from top box / handguards, live in one of London's dodgier post codes, no no-claims bonus - non-fault crash in 2012, 50/50 crash Oct 2014 which is still unresolved...
The flats I live in have secure, gated, cctv monitored, underground parking though the insurance companies treat it as though it�s a public car park� My bike is immobilised as standard, back wheel locked to an industrial strength ground anchor with approved lock and chain, front wheel locked to a bicycle rack with a Oxford Alarm Boss disc lock and chain. The bike is parked in direct view of one of the CCTV cameras.
I have recently left work to set myself up as self-employed, and hopefully establish a little not-for-profit social enterprise (have a look at
http://environmentallychallenged.org - Road Safety, Travel Training and Functional Skills Tuition for young adults with disabilities, learning difficulties and/or special educational needs). The business has only gone live this week and the hunt for clients begins... as does the need to use my bike to get to clients houses�
I spoke with my insurance company - Carole Nash � in January, about the prospective upgrade in business use on my policy and was told that it �wouldn�t make too much of a difference to the price�, so promptly forgot about it and got on with sorting out the rest of the business.
Today I called them back to ask for business use to be added to my policy and was told that my needs can�t be met under my current policy as the risk is too high � not at all what I was told back in Jan. If I want to use the bike to travel to clients houses as a self employed person, I�m gonna have to to start from scratch with a new policy� I�m not up for renewal until July and, as the crash from October last year still isn�t resolved, I can�t get a refund for the remaining months though I can�t use the bike for work under my current policy�
Seeing as it sounds like I need an entirely new policy I decided to have a call around a few companies � I can�t believe the quotes� �3300 to �5800 for fully comp!!!
My bike is my only form of transport, and I need to use it to drive around to various clients houses, schools, colleges etc cos London transport takes ages, but there�s no way I can pay that sort of money for insurance!!
One of the many operatives I�ve spoken with today mentioned that I may be able to find something cheaper if I look into �commercial motorbike insurance� � he wasn�t allowed to give me the names of any companies over the phone and suggested I google it� I�ve come up with nothing except another bunch of ridiculous quotes�