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About to pass my DAS - cheap insurance

Discussion in 'Biker's Cafe' started by Greg, Sep 22, 2018.

  1. Greg


    Joined: Oct 18, 2002

    Posts: 8,973

    Ok gents, I get it, I've got the bug, I understand why 2 wheels are far superior for fun, thrills and adrenaline than 4.

    I've passed my MOD1 and about to take my MOD2 in the next few weeks. It's been recommended that I get a 600cc ish bike to start with (and this is all I'm after as I want to build experience). My question for you all is do you have any recommendations for how to get cheap insurance?

    I'm 33, have been driving for 15 years have 10 yeas NCD (though I know they don't count for a Motorbike). I've never owned or ridden a bike so have no experience or NCD. I'll be securing the bike at the back of my house with CCTV and a decent OXFORD Rota Force anchor etc.

    What tips and tricks have you guys used to get cheap insurance?

  2. tom_e

    Man of Honour

    Joined: Dec 26, 2003

    Posts: 26,824

    Location: West mids

    Don't get a 600cc super sport bike, apart from that as long as you don't live in Baghdad you'll probably find at your age insurance will be a couple of hundred quid at most and will drop to pennies once you've got a year or two no claims.

    Mine was £270ish I think in my first year for an SV with no declared security and ungaraged, third year this year was £90.
  3. Snaggle


    Joined: Oct 18, 2002

    Posts: 3,277

    Location: Northants

    Get a 600 naked . Plenty of choice (sv/hornet/bandit/fz etc) Hornet ot SV would be my shout . Insurance as said will be minimal . Good luck with yer mod 2
  4. Tefal

    Capo Crimine

    Joined: Jun 30, 2007

    Posts: 66,538

    Location: Wales

    250 ninja 130 to insure fully comp

    the h2sx 1500 ish fully compy

    and older CBR 600f or FS is a great first bike.
  5. Avalon


    Joined: Dec 29, 2002

    Posts: 5,532

    Hornet/Fazer over Bandit/SV, Oxford stuff tends to be a bit Micky Mouse (the chains are over priced and they don’t stand up to much), Almax for chain etc. but since the advent of the lithium-ion battery portable angle grinders will go through pretty much anything in seconds unfortunately.
  6. Greg


    Joined: Oct 18, 2002

    Posts: 8,973

    Super. Thanks for all the advice chaps.

    I've gone ahead and bought an OXFORD RotaForce Anchor and Monster Chain. As you said, anything can be chopped through but it shows willing. I'm going to be keeping the bike to the rear of my house so it's out of sight and it's going to sit underneath a camera so I'm hopeful that this will be a good enough of a deterrent. I was going to get a cover so it's not as obvious but I'm hoping this will be enough. Like I said above, it's not going to be the worlds most expensive bike, but enough that I don't want it nicked!

    I'm thinking about a Yamaha FZ6. I mean the Street Triple would be the dream but I understand they're not the most suitable for a new rider - I guess in a year if I'm still after one I can upgrade.
  7. BigRazer93


    Joined: Aug 24, 2009

    Posts: 2,819

    Why would you not class the Street triple as a starter bike? Light bike, very nimble and smooth. They are fast bikes off the line, but so are many other 600's. I would think they are a great bike for a newbie IMO.

    Only thing is, triumph parts are normally more expensive if things do go wrong. Fantastic bikes.
  8. rs155


    Joined: Apr 7, 2014

    Posts: 184

    Location: Dudley West Mids

    i was 35 when i passed my test and started on a gsxr 600 and i loved it. The insurance surprised just how cheap the insurance was.
  9. Greg


    Joined: Oct 18, 2002

    Posts: 8,973

    the cheapest insurance i can get is around £500 but im guessing after a year with some NCD that'll come down a fair bit?
  10. BigRazer93


    Joined: Aug 24, 2009

    Posts: 2,819

    Is that for the non R model? I've always wanted a street Street triple r however the insurance was stupid. The non R model however is affordable.

    Bike before this was an sv650s, and I loved that bike. It was suprisingly nippy, could have fun with it without going into the stupid zone, easy to work on and insurance was really cheap.

    Depends what your after, could go the cheaper route get some ncb and rider experience and then go for a dream bike, or go ahead with a decent bike/dream bike. Either way, it's your pride and joy, so you will look after each bike as equal.

    Wish I would of kept my sv simply how cheap it was to keep.
  11. killsta


    Joined: Oct 18, 2002

    Posts: 3,069

    Location: Around

    There's the opposing argument of just getting whatever bike you want, regardless of size as you won't get bored of it as quickly. It only goes as fast as you want it to. There's some 1000cc+ bikes with reasonable insurance.
  12. iamdjdz


    Joined: Nov 24, 2006

    Posts: 4,377

    My new MT-09 insurance is only £350 per year, MT07 was £600... I have had my licence for 8 years but no NCB as didn't own a bike for a couple of years. Gsxr6 insurance is around £1500 though.
  13. JamesRJ

    Wise Guy

    Joined: Dec 9, 2002

    Posts: 1,493

    Location: Somerset

    That was my first bike after passing my test, CBR600FS Rossi Rep
  14. arfoll

    Wise Guy

    Joined: Jan 25, 2011

    Posts: 1,318

    The striple get nicked alot and so are a bit higher insurance wise typically than the FZ06/sv650 and friends. But if you really want one, I'd totally do it, it's still a light mid sized bike which is what you want after passing. The thing I'd watch for is not to spend a fortune, you might decide it's not at all what you want/need and/or drop it... Go easY!

    Saying that watch good old yammie and get a turbobusa.
  15. EVH


    Joined: Mar 11, 2004

    Posts: 26,951

    Get a cover. Don't under-estimate how sucky it will be to sit on a soaking wet bike at 7am on a January morning.

    Also, you say sitting a bike under a camera will be a deterrent but don't forget a camera can be rendered obsolete with a hoody/balaclava. Think of it as layers of protection where your chain/lock are the first, the cover is the second and the CCTV the third. I'd go so far as to say that the cover is better than the camera as you're hiding the bike away which is going to count for more than a shiny bike sitting outside in full view.

    Street triples are very highly sought after in the criminal underworld. Be wary of that.
  16. eddie101

    Wise Guy

    Joined: Apr 15, 2007

    Posts: 1,226

    Location: Staffs

    First bike for me was a 600 Fazer. Loved it to bits and insurance was dirt cheap (about £120 for the first year) also easy to work on yourself.