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Discussion Starter #1
Hi guys, I've been insured by Devitt's BMW (AXA) Policy for the last 2 years. It suits me because of the 365 day European coverage. Last year the premium was 770 with 1 year NCB value 18K. This year its gone up to 950 despite now 2 years NCB and a lower value of 13000 for my 18 GTLE.

Has there been an overall increase in premiums across the board or is this an attempt at a rip-off?
 

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shop around, it may be comparitive across the trade
 

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When I used the same provider a few years back, much the same thing happened. Similar to my experience with Mercedes ins. on the car, which increased 50% in year 2 despite max NCB. It's a classic sales hook, but just 2 years NCB on a K16 will never be cheap.

I'm a tad confused about your domicile though - Austria or UK? The 365 day EU cover stated on policies written for UK residents is an EU requirement, so may be subject to change in 2021. Whilst it depends on terms, some policies only provide the legal minimum of cover (ie 3rd party only) & any comprehensive element is often limited to a max 90 days in any one year, sometimes with European trip timings needing to be pre-advised. So take care when you shop around - Comparison sites such as MCN Compare, the Meerkats or whatever are quoting rates for UK residents - you may need something more specialist.
 

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I've been insured by Devitt's BMW (AXA) Policy
Interesting. My policy written through Devitt under the BMW scheme is with Ageas on their Optima Bike policy, not AXA, and the premium this year (renewed 5th April) was £309 vs £547 last year.
 

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Discussion Starter #5
Primarily domiciled in UK but have a house in Austria commuting between the two. Best of both worlds you might say :cool:. Understood BMW's 365 plan allowed for just that with Comp insurance whenever and wherever I am?
 

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Understood BMW's 365 plan allowed for just that with Comp insurance whenever and wherever I am?
While there is no time limit specified for cover outside the UK, the relevant wording from my BMW Motorrad insurance policy is:

"the policy provides the cover shown in the policy schedule in any country in the Territorial Limits, subject to:
 your motorcycle being normally kept in Great Britain, Northern Ireland, the Channel Islands or the Isle of Man.
 use of your motorcycle for visits to countries outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man being of a temporary nature."
 

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Primarily domiciled in UK but have a house in Austria commuting between the two. Best of both worlds you might say :cool:. Understood BMW's 365 plan allowed for just that with Comp insurance whenever and wherever I am?
I really can't say - BMW FS says 365 but with little detail, Devitt BMW Motorrad policies suggests 90 days, so it's down to you the check the Policy docs to see precisely what you have as I can't see a way to examine docs in generality on-line; I guess it varies dependent on the underwriter.

Anyway, that wasn't my point. If you do have a genuine 365 deal, then it will attract an additional premium, so just be aware that price comparisons will be more likely to follow the 90 day rule. Make sure you are comparing like with like.
 

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last year we were in the EEC
 

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Discussion Starter #9
If only, the EEC died a while ago.....will let you know how I get on. Devitt were good the last 2 years but really dropped the ball this time around. Will get it done next week after the Bank Holiday.

Stay safe guys.

Regards,

Tony
 

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Discussion Starter #10
Hi guys, I've finally sorted out my insurance renual with Devitt BMW Policy. The premium, after a great deal of persistence, has droped nearly £300 from the initial renual quote 😲 for exactly the same policy as before. We started at 750 last year, then up to 950 this year,. After a deal of haggling the premium reduced in stages 850, then 750 and now 680. Its still on the high side but the BMW Policy has some perks I needed (356 European cover) not easy to obtain elsewhere.
 
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