Mcdougall Insurance? 1500 a year for 600cc SS?

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PrivatePilot said:
Except OP said “new rider”. Presumably they’d only credit actual M class licence years towards that, right?

If he just got his M but pulled a fast one on them trying to say “oh yeah, I’ve been licenced since I was 16” (meaning, his G) then there’s probably a material misrepresentation thing happening, no?
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yes....broker will issue a temp liability binder
when underwriter review the application
and discovers a possible inaccuracy
they'll issue a revised premium
or cancel

not saying this is what the guy did
story is not known at this point
 
PrivatePilot said:
Indeed however it’s been my experience that some insurers may write the policy based on good faith information initially, and then do their legwork to confirm at all afterwards – if that was the scenario, OP’s friend is in for a rude awakening.

Either that or he has actually held his motorcycle license for a long time before he actually started riding and the underwriter is accepting that as proof of “experience” even though realistically he has none.

Something *still* not adding up, to me at least.
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I had my M2 for 3 years before i bought a bike and they consider me as having 3 years of 'experience'. /shrug

In this insurance racket environment, take what you can get imo.
 
Evoex said:
I had my M2 for 3 years before i bought a bike and they consider me as having 3 years of 'experience'. /shrug

In this insurance racket environment, take what you can get imo.
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I am 22 with an M2. If someone that is 25 that just gets their M2 THEY will pay less than me.

Its a game of numbers.
 
CHRIS63 said:
I am 22 with an M2. If someone that is 25 that just gets their M2 THEY will pay less than me.

Its a game of numbers.
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I guess age bracket trumps experience to some degree.
 
There’s was some miscommunicate somewhere along the line. He wasn’t even able to get a quote. I called myself and they also couldn’t offer me a quote for a GSXR600.
He did however get a quote from Mitchell and Whale for $3100.

I’m going to call them later today to see about a quote as well.

edit - 3700 from M&W
 
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HonDerpa500r said:
There’s was some miscommunicate somewhere along the line. He wasn’t even able to get a quote. I called myself and they also couldn’t offer me a quote for a GSXR600.
He did however get a quote from Mitchell and Whale for $3100.

I’m going to call them later today to see about a quote as well.

edit - 3700 from M&W
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Now that's more in line with what I expected.
 
HonDerpa500r said:
There’s was some miscommunicate somewhere along the line. He wasn’t even able to get a quote. I called myself and they also couldn’t offer me a quote for a GSXR600.
He did however get a quote from Mitchell and Whale for $3100.

I’m going to call them later today to see about a quote as well.

edit - 3700 from M&W
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Can confirm these are M&W quotes.

Not cheap by any means, and not THAT expensive either(3100).

Gotta pay to play.
 
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$3100/year for a new rider on a SS is still amazingly cheap, all things considered.

If $250+/month all year around is worth it to some, run with it.
 
PrivatePilot said:
$3100/year for a new rider on a SS is still amazingly cheap, all things considered.

If $250+/month all year around is worth it to some, run with it.
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I'd be more than willing to pay 3100 a year for a SS.
3700..Even though it's only 600 more on top of the already ridiculously high insurance premium, it's a little too much for my liking.

I'm hoping next year I'll fulfill my dream of getting a SS once my 15 over speeding ticket is cleaned from my record, and 1 year licensed is up.
 
HonDerpa500r said:
I'd be more than willing to pay 3100 a year for a SS.
3700..Even though it's only 600 more on top of the already ridiculously high insurance premium, it's a little too much for my liking.

I'm hoping next year I'll fulfill my dream of getting a SS once my 15 over speeding ticket is cleaned from my record, and 1 year licensed is up.
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15 over? sheesh, must have been a slow day for the cop.
 
Evoex said:
15 over? sheesh, must have been a slow day for the cop.
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Unless it was actually 30-40 over and the cop was actually just being nice in reducing it to 15.

So far as insurance goes it's a minor ticket either way, but the fine is less.
 
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