How much do you pay for insurance?
- Thread starter Freeman
- Start date
Man of Honour
Live in the ghetto? Running quotes for a 600cc supersport or a low power naked?
To be fair i think mine are quite cheap.....
35
VTR 1000 SP1 track bike with full track fairing, no lights and after marker high level exhausts
VTR 1000 SP2 Road bike, completely standard
£300 odd fully comp (Multi Bike) with a £125 excess & 6 years NCB
Garaged
SH300i Fully Comp £90 (standard, though that might change as my downpipes are corroding and might need replacing)
3 Years NCB
35
VTR 1000 SP1 track bike with full track fairing, no lights and after marker high level exhausts
VTR 1000 SP2 Road bike, completely standard
£300 odd fully comp (Multi Bike) with a £125 excess & 6 years NCB
Garaged
SH300i Fully Comp £90 (standard, though that might change as my downpipes are corroding and might need replacing)
3 Years NCB
Soldato
- 29
- 12 Years
- Suzuki GSXR 1000
- Fully Comp
£190 I think, with MCE thought so hope I don't have to claim....
Associate
Faired bikes are always much higher than non-faired and if you don't have a garage you best bend over and lube up...
Man of Honour
Garaged/non garaged/declared security made next to no difference to my quote.
Soldato
What bike is it and what's the value? Location plays a significant part too.
Soldato
Actually turned out to be this:
£230 inc Legal, Gear & Helmet, Breakdown
Age: 29
How many years riding: 13 overall / 9 full license
Bike: Suzuki GSX650F
Type of cover: Fully Comp
Excess: £300
No claims: 1 year
Last edited:
Associate
Going from a non-garaged to a garaged house (same postcode area) when I got my first bike dropped my insurance by £400pa...
I went for an SV650S just because insurance wasn't too silly, insurance goes silly after 2-3K value so don't get one too new and should be ok
New housing estate. It was for a £4k Suzuki GSX650F. Looks like I'm best reducing my budget! No garage either unfortunately but I can install a concrete ground bar for chaining it up on the driveway.
Associate
It's the fairing and lack of garage, a ground anchor probably won't lower your price by much. Decent choice of first bike (same as mine) though they're a tad heavy!
Soldato
Indeed, i don't quote with security devices. It's only saved £5-£10 tops in the past. It's not worth it for the chance that you might not lock it up.
Young/new rider, with a bike worth over £2500 with fairings and not garaged is where people mostly get stung.
Young/new rider, with a bike worth over £2500 with fairings and not garaged is where people mostly get stung.
SamuraiTortoise
S
SamuraiTortoise
Just renewed for my second year riding so only held a licence for one full year so one year no claims.
39 Years old
Triumph Daytona 675 (2009) estimated value of £6000 (bit high but who cares)
Garaged
Kit cover (helmet leathers etc.)
Breakdown
Legal
Fully comp (SD&C)
Ride other bikes
Pillion
Only security device given was the factory fit alarm
Mileage: 11,000 per year
Excess £650 which I think's a bit high but then I'm a new rider...
£290 a year paid annually (think it was about £330 if I did monthly).
Quite happy as that dropped from £440 for my first year.
39 Years old
Triumph Daytona 675 (2009) estimated value of £6000 (bit high but who cares)
Garaged
Kit cover (helmet leathers etc.)
Breakdown
Legal
Fully comp (SD&C)
Ride other bikes
Pillion
Only security device given was the factory fit alarm
Mileage: 11,000 per year
Excess £650 which I think's a bit high but then I'm a new rider...
£290 a year paid annually (think it was about £330 if I did monthly).
Quite happy as that dropped from £440 for my first year.
Down to £320 with TPFT, 9k milage (commute), £3k bike with passenger. If I go to fully comped like I do with my car then it jumps to £650. Both with £700 excess 
I would look to reduce that to £400 max.
Not sure how comfortable I would be taking just TPFT. The cost of the bike I could take the hit for but it is anything else that wouldn't be covered?
I would look to reduce that to £400 max.Not sure how comfortable I would be taking just TPFT. The cost of the bike I could take the hit for but it is anything else that wouldn't be covered?