Insurance advice needed please Europe


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Sadanorakman
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Joined: Tue Sep 19, 2017 1:42 pm
Location: Leicester, ENGLAND
Motorcycle: 1991 GL1500 SE

Insurance advice needed please Europe

Post by Sadanorakman » Thu Mar 15, 2018 10:15 am



Hi guys. I'm ready to bring my new GL1500 back from Tenerife. It's on Spanish plates at the moment though. If I have it couriered to the UK then I have to pay duty and tax on the shipping cost as well as the value of the bike (ouch). If I could ride it back instead, it would save me some £550 when all costs are accounted for.
Only problem is I've contacted several UK insurers, and they won't cover me because the bike's not registered in the UK yet.
Has anyone attempted this kind of thing before, and can offer me some useful advice on how I can get covered for a week or two for European riding?
Many thanks in anticipation.


There are two types of people in this world, those that can extrapolate from incomplete data,

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AZgl1800
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Re: Insurance advice needed please Europe

Post by AZgl1800 » Thu Mar 15, 2018 10:31 am

you won't be needing any insurance unless you wrap it around a telephone pole :D
~John

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Sadanorakman
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Location: Leicester, ENGLAND
Motorcycle: 1991 GL1500 SE

Re: Insurance advice needed please Europe

Post by Sadanorakman » Thu Mar 15, 2018 10:50 am

Alas, It's a legal requirement.
There are two types of people in this world, those that can extrapolate from incomplete data,

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brettchallenger
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Re: Insurance advice needed please Europe

Post by brettchallenger » Sat Mar 17, 2018 12:58 pm

This company provides specialist and bespoke insurance, you could try them.

http://www.keeninsurance.co.uk/personal ... insurance/
Never trust a nation whose armed forces goose-step

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Sadanorakman
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Re: Insurance advice needed please Europe

Post by Sadanorakman » Wed Mar 28, 2018 3:36 pm

Thanks for your advice, but after further enquiries, I'm still drawing a blank.
Any UK or European members got any advice for me please?
There are two types of people in this world, those that can extrapolate from incomplete data,

henkB
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Joined: Wed Nov 04, 2015 5:48 am
Location: Portugal
Motorcycle: Gl1500 with sidecar

Re: Insurance advice needed please Europe

Post by henkB » Sun Apr 01, 2018 2:39 am

I live in Portugal and last year I bought a bike in the Netherlands. The same problem.
What i did was asking a friend in Holland to put the bike in his name and to insure it.

So, Tenerife is Spain and there are living a lot of people from England there.
Maybe you know one who can do that for you.

Greetings Henk.

cavalcade
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Location: Netherlands

Re: Insurance advice needed please Europe

Post by cavalcade » Sun Apr 01, 2018 3:12 am

I am living in Holland, I have a few Goldwing’s from the UK, in
Holland ismitmposaoble tot get a import registration for 5 days. You can insure the bike for that time.
VDC.nl maybe the can help,you out.

Harold

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mudplug
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Re: Insurance advice needed please Europe

Post by mudplug » Sun Apr 01, 2018 3:27 am

The most easiest and sensible thing to do is bring it back to the UK on the back of a trailer, if its a new bike then you don't know if it will take you to the UK without breaking down through something niggly, trailer is the best way and has been done many times before with different people.

JZH
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Re: Insurance advice needed please Europe

Post by JZH » Sun Apr 01, 2018 4:25 am

I don't normally read this forum, but I saw this problem being mentioned in the newsletter, so I thought I'd pop by. Tenerife is an interesting place to start from, given the significant transport costs and (possibly) import taxes and duties payable once the bike gets onto mainland EU. Although part of Spain, and thus the EU, the Canary Islands are outside the Customs Union, so importing this bike into the UK will put you in the same place I was when I imported my van from Hong Kong in 2014. You should be able to convince the Spanish border police that you are touring and not importing (at least not importing into Spain), but I don't really know how that interaction would go. Assuming they let you ride away from the port, you should be fine until you get to the UK. Don't forget to submit a NOVA declaration to UK C&E when you do. That is how import duty and tax will be calculated and a bill generated.

Insurance isn't really a big problem, because many UK specialist insurers (try Footman James, Adrian Flux) will insure a non-UK vehicle on the basis of the VIN, at least for a short period, e.g., 30 days. Once you have UK insurance in your name for the bike, you have the minimum level of insurance for all EU countries, so there is no longer any need for a "Green Card" (but you may be able to get one if you ask for one). You will also need to keep the bike's registration papers with you in Europe (assuming you are not a Spanish resident, will they be in your name?) in case you are stopped by the police on the way back. Don't forget the silly French requirements re breathalysers and high viz vests, etc.

In the UK, you ordinarily need three things to ride on the road: insurance, MOT and tax. If you get UK insurance you will meet the first requirement (there are special problems for UK residents using vehicles on the road in the UK which are insured by non-UK insurers, but this is not your issue), but your bike will not have a MOT, nor will it be taxed. What you need to do about this depends on whether you are a UK resident or a visitor. Visitors obviously do not need these things, but UK residents do (and it is you who needs to comply with the law, not your bike). There are exceptions for both of these requirements, however, the main one being that you are allowed to ride to and from a pre-booked MOT appointment without valid tax or MOT. It is easy to do this, so either plan to ride directly there after the ferry/tunnel or find an MOT station that requires you to ride past your house... But make sure the MOT station writes your name and VIN or registration down, because the police can easily call them and check.

Once in the UK, the bike will probably have to go through the SVA process, which means booking a test appointment at VOSA to check that it meets current UK requirements, but if it passes that it can then be registered in the UK. Enjoy your trip!

Ciao,

JZH
London, UK/So.Cal., USA
www.vsource.org

Taffrider
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Re: Insurance advice needed please Europe

Post by Taffrider » Sun Apr 01, 2018 4:38 am

I have just done all this with a bike from Dubai.
Option one: ship it as a part load (try Supreme freight in Southampton supremefreight.com - Ashley was the super helpful person dealing with imports) They cleared customs etc beautifully.

Try Bikemovers UK (info@bikemoversuk.co.uk) Door to door from Vienna to Wales cheaper than the petrol to drive it.

No issue getting insurance on the VIN number, MOT and hell with DVLA losing documents, so make sure you scan everything as back-up and send recorded delivery. If problems keep writing and make sure you get hold of a supervisor who can read and understand emails!

Good luck.

nigelc
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Re: Insurance advice needed please Europe

Post by nigelc » Sun Apr 01, 2018 6:21 am

Hi,
You should be able to obtain insurance on your vehicle, by quoting the chassis number on the VIN plate.
Regards,
Nigel.

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competi2000
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Re: Insurance advice needed please Europe

Post by competi2000 » Sun Apr 01, 2018 9:06 am

Hello,
I think the main problem is you can not ride and insure a bike without a plate. The seller needs to keep the plate to unregister the bike in Tenerife. For Import your bike in UK you must to do an export in Tenerife. You need the COC (Cetificate of Conformity), the invoice, and a copy of the unregister document with the mark "Unregistred for export".
If you want to insure you must to make a temporary plate in Tenerife (normaly is a green plate in Spain). You can ask some professional there.

OldBill388
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Motorcycle: 1994 GL 1500 SE R
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Re: Insurance advice needed please Europe

Post by OldBill388 » Sun Apr 01, 2018 10:31 am

Hi. Two years ago I bought a 1994 GL1500 in Spain. It was Belgian registered. Carol Nash insured it on the VIN for either 28 or 30 days ( can't recall which). I booked it in for MOT on the VIN and took it to the UK ( I could have ridden it legally in the EU. Incidentally Tenerife is not in the EU I think). Because it was over 10 years old it didn't need a SVA, the MOT was sufficient for DVLA to register it and tax it in one transaction taking about a week. Cost about £50 plus VED (£80 at the time). They'll then issue a certificate along with the V5 to enable you to get a reg plate. Then just update the insurance. DVLA were very helpful and efficient.
You need a cheque or postal order to pay as you can't do that online. Hope this helps. It's scary but not complicated once you get your head round what's required. The directgov website is not that helpful I found. Cheers.

Gerry & milo
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Re: Insurance advice needed please Europe

Post by Gerry & milo » Sun Apr 01, 2018 11:26 am

Hi see if your insurance company will temporary insure on the frame number till you get it back to the UK & re-registered.

Patstrings
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Re: Insurance advice needed please Europe

Post by Patstrings » Sun Apr 01, 2018 4:47 pm

Hi,
Try talking to Lali at "Knights Insurance Brokers" in Nerja, Spain. Tel 0034 952 52 46 00
She speaks good English, if it can be done they will.

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Sadanorakman
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Re: Insurance advice needed please Europe

Post by Sadanorakman » Mon Apr 02, 2018 2:22 am

Thank you very much for all the advice Gents, particularly @jzh; Very much appreciated!

Seems when my relative in Tenerife added fresh fuel, and started the bike recently (after standing for a number of months) it had a steady stream of fuel coming out of a drain pipe underneath... Sounds to me like most probably a stuck float needle allowing the float bowl to overflow. I'll have to address this before I can move the bike an inch!

My attention will turn back to progressing the bike in about a week or so, as I've got a couple of pressing issues to sort; the first being selling an insignia elite, so I can get some money back into my bank account, and clear the space on my drive.

Had recently discovered I might be able to insure against chassis number, and contacted several insurance brokers, of which one was polite enough to reply. They have indicated they have one company they can probably place this with and could I call them to proceed.

So fingers crossed, by hook or by crook, I'm sure I'll get sorted. I will update you guys here with my progress. Thank you all again for your help and advice.
There are two types of people in this world, those that can extrapolate from incomplete data,

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Sadanorakman
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Re: Insurance advice needed please Europe

Post by Sadanorakman » Wed Jun 06, 2018 9:50 am

UPDATE...

I tried my best to arrange to ride the bike home from Tenerife 2000 Miles through Spain and France, but in the end decided against this action, and am shipping it instead.

It is apparently European Law that vehicles must be insured within the country they are located. Because the Bike is currently registered on Spanish plates, every UK insurer that did offer to insure it, would only do so once it had arrived in the UK... Strange, but there you go.

I inquired about insurance with a Spanish company, which was only 150 Euros for 3rd party cover, but they required me to either have a Spanish Bank Account, or an NIE number (A Residency Number like a National Insurance Number). You can apply for an NIE number in the UK by visiting a Spanish embassy of which there are two, but each is 100 miles from me! To apply through a third party company outside of Spain costs a couple of hundred Euros. hassle hassle hassle.

In addition to this, the bike had a small fuel leak that needed sorting before I could take it for its road-worthyness test (ITV), and who knows what else it might have then failed on... It could have taken me a week to sort it all out in person over there before being able to board a 30 hour ferry to Spain, to then ride the 2000 Miles home.

We flew out to Tenerife on a family holiday for the week last week, and whilst I was there I arranged a Grua (recovery vehicle operator) to carry the bike the 5 miles to the local shipping agents, where it now awaits their next 40ft container to the UK. Hopefully this will be in the next six to eight weeks. It was nice to be there in person to be able to supervise the loading and moving of the BIke. That's me astride her as she is winched onto the wagon:

Winch Away Captain
Winch Away Captain


Cocked, Locked, and Ready To Rock
Cocked, Locked, and Ready To Rock


All snug at the shipping agent, awaiting the next container to the UK.
All snug at the shipping agent, awaiting the next container to the UK.



There are two types of people in this world, those that can extrapolate from incomplete data,

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