Insurance: your questions answered | EDITORIAL
Insurance renewals aren’t something we like to get through the post and shopping around for a better quote is a hassle none of us really enjoy. To help us get the best from our policies and to make sure none of us fall foul of the small print if we are unfortunate enough to have to make a claim we’ve got Lexham Insurance’s, Andy Goodson to answer a few of your questions. If there’s anything you’d like to ask Andy just comment at the bottom of this feature, or send us an email if you prefer to remain anonymous.
If you missed last month’s questions you can catch up here: Ask the expert
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Questions for the expert…
Q: What is the most common reason for an insurance company not to pay out for a claim?
A: A vehicle not being adequately locked, which is why it is very important to listen when setting a policy up and to check paperwork carefully when it arrives. If you have accepted that you need to use a lock and then you complete on your claim form that you weren’t using one expect not to be paid out if your scooter gets stolen.
Q: My mate has a scooter the same as mine, he lives around the corner and has the same no claims bonus. Why is his renewal cheaper?
A: Insurance is based on many risk factors like your age, how long you have had your licence, experience, convictions, so it could be one simple difference or a combination.
Q: I’m just building a one-off scooter, it’s a Vespa GTS engine going in a Zundapp Bella frame, will it be hard to get insurance? The brakes and suspension will be uprated as well.
A: There will be fewer insurers prepared to quote but we have a panel of specialist insurers who will accept most modified, chopped or customised scooters. The most important thing is to declare all the work, insurers may request an engineer’s report but if the vehicle has been MOT’d then this will normally satisfy insurers.
Q: I’ve just turned 17 and I’m looking at the new Scomadi 125s, do you insure them and is there any way I can make my insurance cheaper?
A: Yes we do insure Scomadis. Unfortunately at 17 there is not a great deal that can be done to reduce premiums. If you’ve had a year’s experience on a 50cc this will help greatly, otherwise the only real discounts available are for security. Ensure that you can keep the vehicle in a locked building/garage overnight as this will offer a discount and in addition an approved lock/alarm/tracker can offer additional discounts.
Have you got questions about insurance?
If you have any questions to ask about insurance, or if there’s anything you’re not sure about just get in touch at: editorial@ScooterLab.UK