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tahrey |
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tahrey World Chat Champion
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tahrey |
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tahrey World Chat Champion
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Posted: 16:37 - 06 Sep 2012 Post subject: |
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Martylaa wrote: | I'm 37 years old, have almost 20 years car driving and NCB, just completed my CBT and looking to do the DAS soon... CBR600f 2000 plate, it comes back £280-£500 for fully comp?
Am I doing something wrong because that seems a steal to me yet people keep going on about get some insurance quotes and I won't be able to get a quote etc etc. |
Er, come again? What was the question?
You're doing well with them offering you cover even though you're not actually licensed for anything more than a 125 (even despite age, AFAIK?)... but £280 for a 600cc probably is doing quite well. Dunno. I'd have to spend time putting my own details in to see what's what.
I would say however you have to be VERY careful checking the details of what price comparison sites offer, because they will often come back with crazy sky-high excesses, "forgotten" accident claims and other such hidden loveliness to get the headline price down, and if you don't pay attention you'll get stung when the time comes to make a claim.
_matt wrote: | Just been looking around for some new insurance on a 1990 Yamaha XV 535 an pretty shocked by the price differences so i'll post my info here.
Postcode: ST19 (staffordshire) Edit - And a pretty quiet bit of it too if memory serves (-T)
Full licence: 18 months
Age: 25
No Claims: 0 sadly after a bike theft last year
Cover: 3rd Party Fire & theft + Breakdown Cover (where I could Get it)
Quotes:
AA - £365 p/a - no breakdown cover
Hastings Direct - £194 p/a - with breakdown Cover
BikeTeam - £289 p/a - with breakdown cover
Finally went with -
Express Insurance - £172 p/a With Breakdown Cover
I swear it wasn't this much to insure a 125 when I was 17 with fully comp insurance, why is it so much more now i've got a bigger bike that I won't trash and a full licence-.-'
*additionally, just got some online quotes for my old 125 to see the difference.
2004 Jinlun Texan 125
AA Insurance - £946 third party only
..are you fucking insane! |
The Jinlun quote is probably because it's Chinese, and after eight years it's almost certainly about to fall apart at 40mph whilst going past a crowded bus stop... they don't want to take the risk, so price it up so high that only a true lunatic would take out the policy.
Not sure how you managed to get a sub-£200 quote, even on a 125, as a fresh faced 17 year old alllllllllllllllllll the way back in, oh ... well it would have been 2004 wouldn't it. Bought the bike new, I presume? In any case, there has been some price inflation since, but not THAT much. I think '04 was possibly my best ever year, but I was still paying almost £500 (at 23yo) on a crusty old 1-litre car with a couple years' no-claims. It's now up to almost £800... as a 30yo in a 9-year-old 1.5 diesel with 6 years' protected NCB, and a history with a smattering of non-faults and one embarrassingly dopey at-fault on record, plus various add-ons (legal cover, courtesy car etc).
I guess they didn't have any record of spontaneous fallings-to-bits for chinese bikes at the time, and the purchase price (and therefore total-loss replacement price) would have been quite low, along with the potential damage you could cause with it's screaming top speed of, oh, maybe 63mph? Plus, if it was arranged via the garage where you bought the thing, they may well have organised a special deal for their customers. This was still the age where you could still (just about) walk into an insurance brokers on your local high street and have a real human being get you a quote face-to-face, so such things wouldn't have been that fanciful.
There are a few questions hanging around that may lead to why your best quote is in the high hundred-and-somes (and, really, not hugely more than I had to pay for 3PFT on my CG125 this year)...
* For some reason it took you 6 years to progress from CBT to full license ... it's unfair but they may see this as a sign of inexperience or something.
* Were you already 25 when you took it out, or still on the cusp at 24-and-a-large-fraction?
* The loss claim may actually be counting against you for more than just the zeroing of your NCD.
* The bike may just be more valuable, and, statistically, more of a crash or theft risk. The reasons don't matter - if it's crashed or nicked more often, then it's a higher risk, and so the premium goes up.
* Living in a higher risk area these days? Somehow? Maybe ST19 is actually a real crime hotspot? (I'm only familiar with the adjoining, rather sleepy ST18...)
* How much does that Breakdown Cover actually add to the policy?
* What kind of excess did your 17yo's fully comp policy come with, vs your 25yo's 3PFT?
* Were you on someone else's policy as a named rider waybackwhen?
(That was the only way I could get covered as a teenager, and as a very occasional driver of my mum's car I still added about as much to her policy as it cost to take out one all to myself five years later) |
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BigJoe78 |
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BigJoe78 Scooby Slapper
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tahrey |
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tahrey World Chat Champion
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miketaylor |
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miketaylor L Plate Warrior
Joined: 28 Nov 2011 Karma :
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Posted: 20:59 - 02 Nov 2012 Post subject: |
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Its Absolutely great news i really happy to known about it and appreciate to share the post. ____________________ PrintingHost | Online Printing |
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Gavster88 |
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Gavster88 Borekit Bruiser
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BikerMatt |
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BikerMatt Nova Slayer
Joined: 21 Oct 2012 Karma :
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Posted: 01:40 - 10 Dec 2012 Post subject: |
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Started riding my pitiful AT50 in October and the insurance was about 460 TPO with Devitt and then I changed the colour to blue and then it was 485ish TPO -.- and I have a CBR125 Repsol '07 on stand by for my 17th in just over 2 weeks, anyone recommend anywhere for me? Or should I wait and see what Devitt has in store for me? I also did those online ones and they're all saying that the 125 isn't registered to me and yet I have my V5 Devitt also say they can't quote me until I am 17 I also got 3 points and £60 fine for a loose chain and fork seals on their way out by some trafficopper which was apparently down to his own discretion ....I know( ) Also will riding the 50cc for those few months give me bit of a discount? I'm also at college but I'm at the college itself in it's own private land doing paperwork and doing the practical stuff at a well guarded garage and looking at around 5k miles a year or more? Thanks.. ____________________ So many bikes.. |
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ed7.62 |
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ed7.62 L Plate Warrior
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Crazy-Duck |
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Crazy-Duck Nitrous Nuisance
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BikerMatt |
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BikerMatt Nova Slayer
Joined: 21 Oct 2012 Karma :
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Posted: 02:40 - 20 Mar 2013 Post subject: |
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£840 TPO for me on my CBR 125, like wtf. I'm 17 on provisional since September '12 This normal? I'm not a looney chav. ____________________ So many bikes.. |
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jonbee56 |
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jonbee56 Trackday Trickster
Joined: 29 Apr 2012 Karma :
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Posted: 09:13 - 20 Mar 2013 Post subject: Job description |
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Not sure if this has been covered in the thread already, but have a look at changing your job descriptio.
Look at the advice on : https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/
It saved me 15%, and every penny counts ____________________ CBF125 > Hornet 600 (x2) > CBR600F -- slowly getting better
"If you can't turn it, then burn it" |
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Troy92 |
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Troy92 Scooby Slapper
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Lazysod |
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Lazysod Borekit Bruiser
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Troy92 Scooby Slapper
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Lazysod |
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Lazysod Borekit Bruiser
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Posted: 13:41 - 13 May 2013 Post subject: |
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[/quote] Yet if you was 21 you would be looking at 9k with no claims[/quote]
I would happily pay £9k if I means I could be 21 again actually I think the £345 I'm paying at the moment is very reasonable as I expected to pay at least twice that, I know it's mostly down to my age and where I live. |
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TheRevr |
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TheRevr Derestricted Danger
Joined: 23 May 2013 Karma :
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Steph06 |
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Steph06 L Plate Warrior
Joined: 07 Aug 2013 Karma :
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Posted: 00:30 - 07 Aug 2013 Post subject: bike insurance |
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I have a Suzuki Burgman 400
Get it insured with same company that does my car insurance which is admiral, have a discount for multi policy which is good.
However in UK you can check moneysupermarket and you will get some quotes and ideas of other insurers plus them contact details and can call them all see what the premium will be for you... depends on many factors... ____________________ My favourite Dental Surgery in Glasgow: https://www.1smile.co.uk |
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DeenBiker |
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DeenBiker Two Stroke Sniffer
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stallionX |
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stallionX L Plate Warrior
Joined: 26 Feb 2014 Karma :
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Posted: 09:46 - 26 Feb 2014 Post subject: |
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New rider, 37 with CBT, employed married, no NCB
2001 Yam XVS 125, CAT C
New to the bike insurance so used comparison sites. It seems all of them are just a commission brokers selling insurance from underwriters. The primary underwriters are Zenith and Highway.
Zenith underwritten insurance comes at £90 TP, 120 TPFT, 180 Full comp. including legal protection. And they need VIC for CAT C, which cost you £50 if you dont have one....
Highway wont ask for VIC, only MOT. VIC is not a legal requirement for bikes. The premiums were the same form the brokers. But then I found out that LV (liverpool victoria) is actually the underwriter called Highway.
I called LV directly.
£70 TP, £75 TPFT, £79 full comp including legal protection. Result! |
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topout |
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topout L Plate Warrior
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250super2013 |
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250super2013 L Plate Warrior
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Posted: 15:30 - 06 Sep 2014 Post subject: RE: new bikers |
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[b]HI all if you are all new to riding there is a meet up point for use all the meet up and talk and ride about bikes and shit bikers day out going for a ride somewhere if you are all in west Yorkshire then all welcome to meet up message me for meet up time and where hope to see you all good day out and well turned out lasted year |
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