Expected Insurance on first bike

Doran

Doran

Doran

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So I've decided to stop obsessing over the pros and cons of what bike I'll get next year and instead having a think about running costs. Of particular concern is insurance.

I am 25, will have completed the DAS.

In 2006, in my car, I made a write off claim, single vehicle accident.

So I went on confused, obviously stating no riding experience, etc. For a GSX650F; already this indicates I can't even think about anything like a Steet Triple (group 16) as this is only group 10 and the cheapest quote was £850...

That loads isnt it?

I live in SE23 in London, which might have something to do with it, and I said I will be storing it on the road, as we won't have a garage or anything like that. I said it would have immobiliser and tracking etc too.

This is way more than I would like to pay - how much can I expect it to reduce after a year or two no claims? Any idea?

In other news, although I should stop thinking about bikes (which clearly I have demonstrated I cannot), the GSX650F looks brilliant, right on the money and hopefully not susceptible to the problems of the bandit in terms of corrosion cos of the fairing..
 
Only way to tell is do some quotes on somerwhere like go compare.

1 year is about 30%
Look at something not so sporty.
 
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I was 24 when I passed my DAS in May this year - 0 years no claims on a bike policy. For my first bike I bought a Kawasaki Z1000 (Group 15), and I was £850 for a year fully comprehensive from eBike. Stomachable at least. Did a quick quote the other week for an approx renewal price, and it was down to £480 with 1 years no claims at 25 years old.

A friend of mine of the same age did his around the same time too, and bought a GSXR 600, and was around £600 for a years fully comp.

For info, my partners father bought a GSX650F in May. He loves it. However, I can't help but think it's a little expensive for what it is.

Having a silly first bike isn't as expensive as you might think. :)
 
Sounds very expensive.... Confused gave me rubbish bike quotes though, try Tesco bike insurance compare it worked much better for me...

Me: 28yo, Bs32 Bristol, 0ncb and had only just passed DAS
Bike: Vfr800
Insurance: fully comp, commute + pillion, £100 excess (I reduced it to its lowest) - £280 with bikesure
 
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Regarding melting in rain, I am led to believe all Suzuki bikes are made of chocolate bolts etc. Of course I may well be wrong, and this can all be stopped by plentiful but careful (mind the discs etc) use of ACF-50 or whatnot.
 
Tesco may give nice low prices but in my experience when you call them or go on for a full quote they go up or have absolutely nothing in the way of extras.

Give Carole Nash a call and see what they say, do laugh at their first quote and give them the cheapest that Tesco came up with though as they will try to match it to a point as they include breakdown and all sorts usually.
 
London no claims and kept on street :P If you take the top 10 insurers . call them all then play off the top 5 until you get a quote you want .

I pay £400 fully comp with 3 years no claims but i have over 3k of mods so price is abit higher than normal .

Persil
 
I would give Bennets a ring, i got a quote a few months ago for the Honda 600 and 900 Hornets, interestingly, the 900 was cheaper than the 600 to insure fully comp, the 600 was about £170 while the 900 was £148, Bennets told me that Norich Union has a deal with Honda to offer cheap bike insurance, so give thaem a call and get some quotes for some Honda's, you may be suprised.

BTW, i didn't get a Hornet in the end, i got the new Honda CB1000R and i paid £360 fully comp with all the extras.
 
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I've always found ebike to be the cheapest (though im in northern ireland)

They would insure me on a hayabusa for £1100 at age 20 straight after my test with no extra riding experience
 
Thanks so far guys, all very reassuring - the prices were very eye watering.

And obviously London is playing a big part of that. Could by claim in 2006 be affecting the prices at all?

Just did it on bikesure, which didnt even have the option of former claims, and the it came up with three quotes: one for over £900, one for £1600 and one for £2500!!!!

On Tesco, it only seems to take into account insurance claims on a motorbike policy, and has no option for a single vehicle accident. Do I need to disclose the car claim? This implies you do not. Is it somehow different because its on a different license?

Also, in terms of specifying car no claims - does it count that for two years now I've not actually had an insurance policy? Ie. Does this mean I have 0 years no claims (as I have had no insurance) or does it means two years no claims? I assume the former?

For Tesco, subject to the above, I clicked on the fact that I had no previous claim as that was only an option for motorcyles insurance, which is different to the previous quotes I obtained, and the prices were cheapest £1100!!!!

What the hell is going on here guys?

That bike is only insurance group 10 FFS
 
As a test, I've just kept all the details the same except keyed in a CG125, and the cheapest price is still £823 quid! What an absolute joke!!!!!

Clearly, something is going wrong, but now I am really worried it is something to do with the fact that I have no car NCB or something (assumin two years of license holding but no insurance policy counts for nothing)...

This is really going to dash my dreams...
 
Just did it again with two years NCB on the car, and it does not change the prices.

This is all so ridiculous. I think I had better call someone up...
 
I'm not shure what's going on there, but, when i got my quotes i didn't have any NCB at all as i haden't rode a bike for seven years, try putting a quote through on confused.com for the Hornet 600 and 900 and see what it comes up with, i would be very interested to know.

BTW, make shure you sellect the HISS (Honda Ignition Securety System) when you put the quote through, it does help a bit.
 
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bike insurance seems to vary massively

i can insure my brothers NSR125RR (30hp sports bike) for £600ish
i can insure my suzuki GSXR400R (65hp sports bike) for £580
i ran a quote on the same system on a Triumph Daytona 675 (sports bike) - that came back at 8 grand!

just shop around..

i used gocompare, and a-quote, a-quote seem to be giving me slightly cheaper options.
 
I’ve always had rubbish insurance, even on cars it’s been high, so when I decided to take the jump into biking, I planned for high premiums.

My first bike, as a newly qualified DAS rider, 26, was £915 fully comp – the bike was an 06 Kawasaki ZX-6R.

Current bike, now 27 with no no-claims bonus and it’s just shy of £1,400 fully comp – on a 58 Yamaha YZF-R1.

Both policies had/have legal and kit cover added, and the current policy should drop by around £300 when I get my NCB back, I have no convictions either, just a slightly dodgey postcode.

All of which is do-able for me, as wanted these bikes and was happy to pay the premium.

Scort.
 
Scort, they are very much sport bikes, though - what are they insurance 16+?

This thing I am looking at is only a 650 Bandit with fairing... And it should certainly not be £850 for a damn CG125 should it?
 
I had two quotes when I insured the Harley

Bike Harley V-Rod VRSCDX - 1250cc - first bike - list price £12k - 27 years old - postcode CR0

fully comp

same insurer
quote 1 - garaged - £850
quote 2 - on street - £7,500

all other details the same.
 
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