Thinking about getting a 125

FrostedNipple

FrostedNipple

FrostedNipple

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I'm mainly wondering what sort of bikes i should be looking at i.e. models, 2nd hand or not etc. I'm curious about running costs general mpg, servicing etc, and the sort of insurance quotes im likely to get, also what sort of insurance i should get FC, TPFT or just TP.

I have a full drivers license so presumably i will only need to do one of those provisional courses.

I will be 18 in a few months, with 1 years named driver experience at December on a car (not sure if that would lower the insurance), but with a claim :o (guessing this will raise the insurance...oops)
 
You have 0 NCB. You've never had insurance, so you havent had a claim. A bike insurer will not take your car NCB for NCB, especially as you were only a named driver.

You will have to do a CBT.
 
Models: I'd look at a CG125, no 125 is going to be 'quick', so might as well get one that is reliable and very economical (100+ mpg)

Insurance wise I'd go TPO, you're looking at around £150 ish if you go for that, tax is £15 for a 125 iirc

You'd need to do a CBT course, these are usually around £100-140 ish and include bike and equipment hire.

On that note you'll also need equipment, at the very least you'll need helmet (£100+), gloves (£30+ for summer/thin gloves, probably want another thicker set for winter), jacket (£60+) and boots (£50+)

the experience in a car won't decrease insurance, but I doubt the claim will increase it overly.
 
SKILL said:
Models: I'd look at a CG125, no 125 is going to be 'quick', so might as well get one that is reliable and very economical (100+ mpg)

Insurance wise I'd go TPO, you're looking at around £150 ish if you go for that, tax is £15 for a 125 iirc

You'd need to do a CBT course, these are usually around £100-140 ish and include bike and equipment hire.

On that note you'll also need equipment, at the very least you'll need helmet (£100+), gloves (£30+ for summer/thin gloves, probably want another thicker set for winter), jacket (£60+) and boots (£50+)

the experience in a car won't decrease insurance, but I doubt the claim will increase it overly.
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Its not his insurance, so how could he have a claim? ;)
 
Because he was the driver involved in a fault accident, and technically they don't ask for claims, they ask for accidents...
 
Thanks for the info, so does the fact i made a claim for car have no relevance on bike insurance at all? I was the named driver so does that mean it wasn't my claim? If they ask if I've had an accident, do i then have to declare it?
 
Depends on the insurance company, but most will ask you if any of the proposed riders have had any accidents/claims in the past 3 years, in which case the answer for you is yes,

If it does state just claims you might get away with it, but I believe that as the claim against the insurance policy that you're a named driver of will be against your name, then contrary to what Bug One has said you do have a claim against you, but I admit I'm not 100% sure on that.
 
SKILL said:
Depends on the insurance company, but most will ask you if any of the proposed riders have had any accidents/claims in the past 3 years, in which case the answer for you is yes,

If it does state just claims you might get away with it, but I believe that as the claim against the insurance policy that you're a named driver of will be against your name, then contrary to what Bug One has said you do have a claim against you, but I admit I'm not 100% sure on that.
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If they ask if you've had any accidents, then you have to say yes. But the OP hasn't made any claims. The owner of that insurance policy would have made the claim. I guess the best thing is just to ask the insurer when getting a quote.

Plus. How can you have a full years NCB when you're not even 18. :confused:
 
Surely the claim made by the third party would be against FrostedNipple as a named driver on the policy, not against the policy holder, hence he has a claim against him as a person?

He said he gets the experience in December, so assuming he passed his test December '07...
 
If you want something fun then buy an RS125 or a Cagiva Mito...both are actually pretty quick for what they are and a heck of a lot of fun.
People will tell you they'll blow up every 2 weeks etc. That's balls, take care of them by regularly changing the 2t oil and making sure the bike is warmed up fully before you ride it hard and it'll last you ages.
 
They've got 7 gears too which is pretty cool.
I can personally vouch for the RS125 though, they're very nice looking bikes and ride well too. I think the Mitos are quicker but less reliable, from what I remember.
 
In the same position as you, lookign for a decent 125, have done some research and CG125 seem the most reliable and will do 60ish mph and are very cheap on the insurance (£150 fc)
and nsr125's are availible for a good price but the insurance costs are roughly the same for rs125, mito, nsr etc coming in at £250ish fc (i am 21).

from what i gather the cbr 125 is very expensive and not that fast and is merely a sporty looking cg125, but they hold a premium (good rs125 money)
 
I've got an XR125 L, very good bike, and fun to ride!

I use it everyday to go to college and back, very cheep to run :)

and its a Honda so its reliable.

My insurance for it after my cbt was around £500.
 
Considering he'll be on CBT only and hence restricted to 12bhp or whatever it is, a two-stroke style 125 isn't going to be a huge amount better really,

I realise an un-restricted 125 is ~30bhp and isn't *that* bad, but any restricted 125 is going to be dog slow and no real fun, the CG125 at least is cheaper to buy, utterly reliable and cheaper to insure, considering he'll either get bored of using a motorcycle, or go on to get a full licence and a bigger bike it makes no sense to buy a 'fun' 125, imo of course :p
 
I had an RS125 Tuono. They are generally cheaper than the faired version. It was derestricted and I seriously found that much more fun to ride than my current RF600R. You can throw them about all over the place and pin the throttle whilst keeping it fairly legal(ish) :)
 
I'm going to don my flame suit, but I've yet to find somebody who has been caught out for having a 'derestricted' bike on a CBT.

I know of somebody who had a bored out RS125 with a Micron end can who crashed in to the back of a car and wrote off his bike. The insurance blokey came round, looked at the bike and he got it all covered on his insurance, even though it was supposedly a 'restricted' RS125. I've heard plenty of other cases like that too.

Quite frankly, I know it's against the law, but I would rather walk than ride an unrestricted 50cc or 125cc bike. They're dangerously slow and you're a hazard to other road users as well as putting yourself at risk because you've not got the power to get yourself out of tricky situations.
 
I can kinda see the danger thing, but it all depends where you're riding,

Around town in 30 limit roads a restricted 125 is fine, outside of those onto things like 50/60/70 limit roads/dual carriageways even an unrestricted 125 is hardly what I'd call 'safe', I've had to pull out of a lay by on the A34 (70 limit dual carriageway) on an unrestricted 125 and it was a long way from being safe and something like a 400 would be a million times better,

What I'm trying to say is that I would never want to ride a 125 on anything quicker than a 40 limit road, they simply aren't quick enough, even unrestricted, to be safe. And on a 30/40 limit road a CG really isn't that bad, easily enough as it's only after 35/40 that you notice the massive lack of any power :p
 
I dont see the point in getting a 125 that looks like a racing bike. Its like putting a wing on a 1 litre corsa.

However, this does look mighty good.


 
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