UK insurance providers for an 80 year old rider?..

[IanW]

Now that I’ve turned 80 there seem to be fewer available insurers for my VStrom 650 when renewal comes up.  I would be pleased to receive advice on companies I could use which aren’t mainstream and so have an age block of 75.   Many thanks

[Upt North]

Some information off t'internet thingymabob that may help....

I am 83 Years.
And ride a Honda Forza 350cc.
I had the same Problem.
I found Adrian Flux insurance.
Who insured me no Problems.

Next door neighbour 91 insured with Carole Nash

I got refused by Carole Nash! But found Bike Sure very helpfull with my 650 Royal enfield, I'm 81.

Upt.

[Ianmc]

   There are plenty of insurance companies out there who will insure the over 80’s like myself,but they cost a bomb.
   I have a 18 month old Honda Forza 350 and a mint 2014 Vstrom 650 and have just gone with Bikesure for £531,which includes U.K. and EU breakdown and recovery,but without any cover for riding with a passenger.That is a fair jump in my estimation.
   I used Carole Nash for years with a Six-Wheel policy that covered both car and bike inc.breakdown and recovery in U.K. and EU as we went to Europe on the bike for years.That was refused when I reached 70 yrs. old.Their loss as I would have still been with them.

[Phild]

When I had two bikes, it worked out far cheaper to have two separate policies.

Don’t know why, it just did.🤷‍♂️

[The Doctor 46]

As above for me too, strange?    

[Brockett]

And there was me thinking it would get cheaper every year as I had more NCB and more experience.  Although at 78 I am still only a lad.

[Malfos]

When I get a quote for insurance, or do a comparison check, there is always a question " Have you ever been refused motor insurance?" I have always been able to honestly answer " No". It could prove tricky when answering this question, when getting an alternative quote, if my insurer will no longer insure me. Strictly  speaking under those circumstances, I would have been refused insurance, so maybe I would then have to answer " Yes" No doubt that would raise the premium even further.
What do other members think?

[UK_Vstrom650]

I don't think it's refused insurance but rather they're declining to offer a quote.

[Malfos]

Attached is the relevant page from a "Confused.com"  proposal declaration which asks " Have you ever had insurance declined?"  - Yes or No. If insurance had been declined on grounds of age, to be truthful the answer would need to be Yes.
In the event of a claim, if the answer given was No, when insurance had actually been declined because of age, the insurance company could invalidate the policy for not saying insurance has previously been declined.
I am not siding with  insurance companies at all, but this unfair discrimination against older drivers / riders put us in some difficulty when trying to be honest and make the correct declaration when getting insurance quotes.

[Phild]

Take a look at ‘Grey Matters’ on YouTube……

He lobbies for all things ‘Grey’…. Another word for us oldies.