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Rapide Insurance

Tony Wilkinson

Well Known and Active Website User
VOC Member

Who is good for Vincent insurance. I had a problem getting a sensible valuation on my Rapide last year.​

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Gary Gittleson

Well Known and Active Website User
VOC Member
I'm in the US and use Hagerty. I'm not sure if it works as well across the pond, but I'm pretty satisfied with them. The prices are fair and I had a good result two years ago when the garage that at the time housed my '82 R100RS caught fire. They wrote the bike off as a total loss and let me keep the "remains" for $500. I got the check in a few days.

The damage was confined to everything from about the midline of the tank upward, the fire having attacked the bike from the ceiling downward. I had to replace many plastic parts and controls, brake lines, the seat and numerous miscellaneous items to get it back to working order. I then brought the fairing pieces to a painter who did a spectacular job. The total for all parts and painting was under $4000 and Hagerty paid $7500 after the deduction for the corpse. My time is worthless, of course.

One curious discovery. That fairing is virtually fireproof. It didn't warp, crack or burn in the slightest. The paint just blistered, peeled and burned, leaving pristine plastic. The fuel tank didn't blow either but probably would have if the fire truck hadn't arrived just in time.
 

Bill Cannon

Well Known and Active Website User
VOC Member
Hagerty for me too after a big let down by Carole Nash.
Easy to deal with, good price but you must have a more modern vehicle to convince them you won't exceed mileage limit. They accepted my 1996 R100R as the modern vehicle.
Cheers Bill
 

peter holmes

Well Known and Active Website User
VOC Member
Bill, was that my previously owned R100R Classic, if so I hope you are pleased with your purchase, I would have kept it but Sue far preferred to be pillion passenger on the Rapide, same story with the Yamaha FJ1200 ABS with very low mileage, anyone out there fancy owning it?
 

Bill Thomas

Well Known and Active Website User
VOC Member
Hagerty for me too after a big let down by Carole Nash.
Easy to deal with, good price but you must have a more modern vehicle to convince them you won't exceed mileage limit. They accepted my 1996 R100R as the modern vehicle.
Cheers Bill
What was the problem Bill,
I have been with Carole for years and this year The price was lower !!.
 

vibrac

Well Known and Active Website User
VOC Member
Hi Bill, I couldn't find anything about limited mileage restriction on the Hagerty website. Please advise. Cheers, Stu.
All my bikes have a limited mileage with Haggerty however it can be negotiated with a price change in mind of course 3 have no speedos (pre 1936) so I am not sure how that works but spread out over my bikes the mileage is more than enough and certainly enough to convnce them I am not useing any one for everyday transport and that includes a 1983 K100 BMW which could be so used easily
 

stu spalding

Well Known and Active Website User
VOC Member
Thanks Tim, my twin is my main wheels and before the virus I was doing around 6k a year and as far as I'm aware, most insurers draw the line at about 3k limited mileage. Cheers, Stu.
 

Dave61

Well Known and Active Website User
VOC Member
RH Classic for me,
Found them easy to deal with & don't think the Premium was over the top for my three bikes, £337.30 for the Rapide, 1150GS BMW & laid up cover for a Suzuki GS1000.
 

Gary Gittleson

Well Known and Active Website User
VOC Member
Well here in the US, Hagerty specifically states that there's no mileage limit. They do insist that you not use the insured bike for daily commuting to work etc. and as in the UK, they require that you have another vehicle for that purpose. But that vehicle could be a car, whatever that is.
 

vin998

Well Known and Active Website User
VOC Member
VOC Forum Moderator
Thanks Tim, my twin is my main wheels and before the virus I was doing around 6k a year and as far as I'm aware, most insurers draw the line at about 3k limited mileage. Cheers, Stu.
Stu
I'm with Hagerty and you can set the yearly mileage limit on each bike seperately and I don't know about unlimited, but 6k is not an issue to them. Generally the lower you set the limit then the lower the premium.
Simon
 

Chris Launders

Well Known and Active Website User
VOC Member
I have just renewed my insurance with RH, just under £900, but that is for my Twin, Norvin, Brough Superior 11-50, Brough Superior SS100 replica and Norton Dominator, I consider that reasonable given that two of them (the Norvin and SS100 ) are obviously completely "non standard"and the value.
 

Sakura

Well Known and Active Website User
VOC Member
I hit a brick in the road and damaged the front rim. Hagerty paid for it to be rebuilt with no problems and no increase in renewal. Very easy to deal with.
 

Albervin

Well Known and Active Website User
VOC Member
It is VERY important to tell the insurance company EXACTLY what the bike is used for.In Australia we have a company called Shannons that is probably the make leader in classic cars, bikes and anything else that is used on the road. My Rapide is insured for $75,000 and the premium is less than $200. My Shadow is classified as "laid up" undergoing restoration and is insured for $130,000 with a premium of $340.00. So while the Rapide is insured for accident, fire and theft the Shadow is only insured for fire and theft. I usually say less than 8,000km (5,000 miles) per year for all of my vehicle (14 currently roadworthy). For $300,000 of value I pay $1,000 insurance. Most insurance companies use the same actuarial algorithm so if you are paying close to 1% for premiums you need to look further. So in Chris' case he should have nearly £1M insured value depending on usage. For anyone riding in a foreign country I suggest Hagerty is the only option.
Here is another lurk/lark by insurance companies. I have a house with "supposedly" six bedrooms. BUT we use two of those as offices/studies and a third as a games' room. The difference between insuring it as a six bedroom house Vs a three bedroom house was massive. All other details were the same except number of bedrooms!!! Do your research and save money.
 

Bill Cannon

Well Known and Active Website User
VOC Member
Bill, was that my previously owned R100R Classic, if so I hope you are pleased with your purchase, I would have kept it but Sue far preferred to be pillion passenger on the Rapide, same story with the Yamaha FJ1200 ABS with very low mileage, anyone out there fancy owning it?
HI Peter, yes of course it is your old bike.
I do enjoy it thanks.
I have had to do quite a bit to it however, which is not unusual with bikes that have been laid up a long time.
For my own benefit I removed the US spec emission exhaust gas recycling which improved the low speed running.
Unfortunately the starter motor failed which is not unusual either. The later Valeo starters have bonded in magnets which detach themselves. I found a Chinese replacement for £45 new and its been fine.
The fork seals went, again they get perished with lack of use. But also, probably due to me not cleaning road salt off last winter the fork legs were pitted so I had them plated and reground.
The latest thing was the exhaust centre box rotted out, again not unusual, so I replaced it with a stainless Y piece.
You can see it has kept me busy but I enjoy the work and the bike gets plenty of admirers.
Cheers Bill
 
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