Page 1 of 3 123 LastLast
Results 1 to 16 of 34

Thread: Insurance for riding on the Continent - with a twist......

  1. #1
    Subscriber Click here to find out how to Subscribe
    Join Date
    Feb 2017
    Location
    The Hague, Holland
    Posts
    214

    Insurance for riding on the Continent - with a twist......

    Bit of a long post but bear with me and you'll understand where I am coming from.....

    6 years ago I bought a Triumph Rocket 3 Touring new from a garage in Romford. Paid 14K for it with all the bells and whistles on it and rode it home.....to Holland.
    For the next 3 years rode it on UK plates, tax etc until it came up for MOT renewal. Dilema, take it back to the UK to get the MOT done or transfer it onto Dutch plates (at an expense).
    I chose the latter. Cost for doing so was around EURO 2000 all told. Bike was then on Dutch plates and was subsequently insured by a Dutch insurance provider.

    So this begs the question why and so what....?

    Cost of the new bike at the time 2011 was 14K sterling. Same bike in Holland was around 24K Euro. So now it starts to make sense.

    Big issue - insurance. I found company that would insure me based on the following story - I lived both in Holland and UK. Summer months in The Hague Holland working for an international corporation and Winter months in Scotland - same company. Luckily I have an address in UK still.
    Insurance was fine but the facts were not 100% kosher. Basically I was taking a risk.

    So now the following dilemma! I want to add a K1600GTLE to my collection. New price in Holland 32K Euro. Same bike in UK is 21K sterling. Exchange rate is very much in my favour making the new bike in UK about 24K EURO equivalent.

    Soooooo........Any ideas on where I can get insurance based on the same story as above? The company I used to insure with wont accept it any more. Issue is I have a Dutch driving license.
    Dutch insurance wont touch it until its on Dutch plates. A saving of 8K is worth trying all the channels possible.
    Importing costs about 8K - which takes it back to the current value in Holland.

    As info riding around in Holland on UK plates is not an issue. The police don't care provided you have valid documents. Customs do care and if they catch you will demand you take the bike off road until its on Dutch plates or take it back to UK. Reason being - ''why do you have a Dutch driving license but an English bike - sir?''
    Customs are few and far between and of the 3 years I had on the Triumph never once got stopped. For that I am prepared to take the risk.

    Anyone got any ideas?

  2. #2
    Subscriber Click here to find out how to Subscribe
    Join Date
    Nov 2014
    Location
    Dallas, Scotland
    Posts
    2,242
    Absolutely no idea, sorry.

    But I like your style!
    "I must be traveling on now 'cause there's too many places I've got to see.

  3. #3
    Subscriber Click here to find out how to Subscribe
    Join Date
    Feb 2017
    Location
    The Hague, Holland
    Posts
    214
    Quote Originally Posted by Khulu View Post
    Absolutely no idea, sorry.

    But I like your style!
    Cheers! I get screwed with 52% income tax here in Holland anyway so I'd like to avoid filling the Dutch government coffers if I can legally avoid it......
    but wouldn't change it for the world.......love it here.

  4. #4
    Subscriber Click here to find out how to Subscribe
    Join Date
    Feb 2017
    Location
    The Hague, Holland
    Posts
    214
    no insurance experts on here able to help?

  5. #5
    Subscriber Click here to find out how to Subscribe
    Join Date
    Apr 2013
    Location
    Doncaster, England
    Posts
    10,603
    Quote Originally Posted by grantmac View Post
    no insurance experts on here able to help?
    No

    But there is Wapping ......
    Stuart W is considerably richer than you

  6. #6
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2005
    Location
    Wapping, London
    Posts
    41,439
    Bikermate Law no. 317

    That the bikermate shall whenever he likes, do whatever he likes.

  7. #7
    Subscriber Click here to find out how to Subscribe
    Join Date
    Aug 2007
    Location
    UK/France
    Posts
    12,857
    This situation is very familiar to me (substitute France for Holland). I've no idea what the correct answer is.
    The usual advice to disclose all in detail to the insurer is of no help, because under those circumstances nobody will insure you.

    Sorry not to be of more help, but I've lived with this (cars and bikes) for 20 years and never got a definitive answer as to the correct course of action.
    There can only be 11 and I'm one.

    My pics

  8. #8
    Subscriber Click here to find out how to Subscribe
    Join Date
    Apr 2013
    Location
    Doncaster, England
    Posts
    10,603
    Quote Originally Posted by Wapping View Post
    Bikermate Law no. 317

    That the bikermate shall whenever he likes, do whatever he likes.
    I think you mean Bikermate law 319

    317 is that Bikermates must at every opportunity, slag off Insurance companies
    Stuart W is considerably richer than you

  9. #9
    Subscriber Click here to find out how to Subscribe
    Join Date
    Sep 2005
    Location
    Biberach, Germany
    Posts
    531
    Quote Originally Posted by stolzy View Post
    This situation is very familiar to me (substitute France for Holland). I've no idea what the correct answer is.
    The usual advice to disclose all in detail to the insurer is of no help, because under those circumstances nobody will insure you.
    Same her but substitute Germany for Holland.

    I have UK address so insure with UK company. My bikes are all in Germany on UK reg plates. The one German vehicle I own with German reg plates has German insurance.

    I usually return to the UK at least every 3 months by ferry with a trailer containing at least one bike (obviously no reg numbers of bikes are recorded by the ferry company), so if anything did ever happen that resulted in a claim my story could be supported - maybe.

  10. #10
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2005
    Location
    Wapping, London
    Posts
    41,439
    Quote Originally Posted by redrick View Post
    I think you mean Bikermate law 319

    317 is that Bikermates must at every opportunity, slag off Insurance companies


    Bikermate Law 3: That the bikermate who says it first is always right. This shall though be amended if another bikermate says something different but louder. Louder is good and it saves lives.

  11. #11
    Subscriber Click here to find out how to Subscribe
    Join Date
    Apr 2013
    Location
    Doncaster, England
    Posts
    10,603
    Quote Originally Posted by Wapping View Post
    Louder is good and it saves lives.
    And makes your order for beer and food more understandable by foreign johnnies
    Stuart W is considerably richer than you

  12. #12
    Beaky Farkler Click here to find out how to Subscribe
    Join Date
    Apr 2012
    Location
    The Garioch, Scotland
    Posts
    486
    I can't remember how long you have to have owned the bike for the Belastingsdienst to grant you permission to import the bike as goods and chattels; free of import duty.
    I remember that we brought both our bikes to Holland and went through the procedure to put them onto Dutch plates when we lived in Assen but I don't recall it being expensive at all.

    I think you'd run into problems if Insured through a UK insurer on a UK "Keeper's" address if the bike is actually kept at an address in Den Haag.

    Could you see if BMW insurance would play for the first year if that's all you need to avoid import duty?

  13. #13
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2009
    Location
    Hereford/Bulgaria
    Posts
    474
    Get a driving license then simples !!!! I now live in Bulgaria but work in the uk and will keep my uk driving license as this way I can't get points taken of off my license here Bulgaria


    Sent from my iPhone using Tapatalk

  14. #14
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2005
    Location
    Wapping, London
    Posts
    41,439
    Quote Originally Posted by redrick View Post
    And makes your order for beer and food more understandable by foreign johnnies
    If you are ever confronted by a recalcitrant foreign johnny who doesn't know his place, the international signals of much arm waving never fails.

  15. #15
    Subscriber Click here to find out how to Subscribe
    Join Date
    Aug 2007
    Location
    UK/France
    Posts
    12,857
    Quote Originally Posted by Whele View Post
    Same her but substitute Germany for Holland.

    I have UK address so insure with UK company. My bikes are all in Germany on UK reg plates. The one German vehicle I own with German reg plates has German insurance.

    I usually return to the UK at least every 3 months by ferry with a trailer containing at least one bike (obviously no reg numbers of bikes are recorded by the ferry company), so if anything did ever happen that resulted in a claim my story could be supported - maybe.
    I think that, free movement of people etc notwithstanding, it is pretty much impossible to be fully compliant with the law in more than one EU country when your life/vehicles are split across national frontiers.

    I discussed this with a gendarme once (IIRC he was puzzled that I had a French licence and a UK registered car or it may have been the other way round). He agreed that there didn't seem a way for me to be legal in UK and France without re-registering and reinsuring the bike/car several times a year.
    There can only be 11 and I'm one.

    My pics

  16. #16
    Subscriber Click here to find out how to Subscribe
    Join Date
    Oct 2005
    Location
    Wapping, London
    Posts
    41,439

    Click here to find out how to remove these ads

    Bikermate Law 2017: All this will stop when we leave the EU.

Page 1 of 3 123 LastLast

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •  

Anyone attending a Ride Out or Event organised through the UKGSer Forums does so at their own risk.
UKGSer.com or anyone organising an event posted here will not be held responsible in any way for damage or personal injury sustained while attending any such events.

Members attending any such event do so at their own risk.

The text, images, graphics, sound files, animation files, video files, and their arrangement on this Website are all subject to copyright and other intellectual property protection. These objects may not be copied for commercial use or distribution, nor may these objects be modified or reposted to other sites without prior written permission.

Disclaimer: Use or depiction of the BMW logo or trademark throughout this web site is for illustrative and editorial purposes only, and to the benefit of the trademark owner, with no intention of infringement of the trademark.

The UKGSer Forums may include adult content for which it cannot be held responsible. Your use of this website constitutes acceptance of the UKGSER network privacy policy

"Its about being a grown up hooligan - and if that means a dark visor, remus open pipe and a bit of speeding out of town then all well and good"