Going TPO...

[Andy C]

I have been doing some quote for the bike that i collect tomorrow and due to 0NCB, 1 Fault Claim, and 18 isnt making for good quotes.

When i was quoted for the SV TPFT worked out cheaper than TPO but now this isnt the case. My lowest quote:
£1200 TPFT
£654.53 TPO

There is no way I'm going to pay £1200 for insurance, the bike in question had an data tool system 3 alarm and will be fairly secure at home and in a low risk area. I probably couldn't afford to claim if it did get stolen as would make me uninsurable (or at a very high price).

Would you risk it?
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99 RS125 --> 02 SV650s --> 03 Speed Four --> 92 RXS100 --> 93 CB400sf --> 01 CB600f Hornet

[Wave2k]

what bike is this for ?
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Ducati 1299 Panigale
2009 Corvette C6 z51
RS125->CBR400->RXS100->GSXR750K2->Ducati749S->CBR600RR5->TL1000R->DRz400->RSVR1000->Honda VTR SP1->CBR400->GSXR1000K6->Honda H100->CBR600RR3->Ducati1299

[pwntifex]

Holy buggery, that's expensive.
Have you tried thebikeinsurer.co.uk ?
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the warped one: This is a follow up from the thread 'my willy hurts'

[Whosthedaddy]

Mines TPO, its the only insurance quote they would give me, for £13 pcm not the most expensive quote I've ever had
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Current : MSX 125 Past : CBR 900RR Monkeybike : c50 LAC : ZXR750 H2 : FZR600 : ZX7R P3 : YW100 : TRX850: Trophy 900 T309 : GSXR 600 L0: Monkeybike : XJ6S Whosthedaddy

[Rookie]

It's the claim that's killing you Andy, you might have to take this one on the chin. Just phone round and get as much as you can knocked off the price.

[Gazdaman]

I'm TPO. I bought a big f'ing lock with the money I saved.

The bike is also worth less than a grand, if it was more than that, I most likely wouldn't risk it.

Gaz

[Andy C]

[Rookie]

[Rookie]

[Gazdaman]

Tis true, it has been known for TPFT to be cheaper than TPO. Not in my case though. And at £800 to insure my bandit, I needed to save every penny I could.

Gaz

[JonB]

Well IMO it's because you have a 2003 Triumph at 18 also with no NCB and a claim.

Whenever I have done insurance quotes on any bikes, Triumph always seem to be more expensive to insure.

If I was in your situation, I would have bought a much cheaper older bike until I had some NCB on me.
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Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[Whosthedaddy]

[Rookie]

The Four is effectively a naked, midrange tuned TT600, and I was getting quotes of about £700 TPO I think. 18, 1NCB, no claims, 3 points. I can't remember what I was getting for the Speed 4, but it wasn't much cheaper. So Jon might have a point, it could be your choice of bike. Have you tried quoting on an SV for poops and giggles, you might find the claim hasn't gone against you too badly.

[Andy C]

[LustyLew]

I pay £8pcm on a 2003 SV. Thats based on a south london address, parked on the street with 6 points.
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Like a Yorkie - I'm not for the girls

[Andy C]

[LustyLew]

[The Tot]

TPO for a couple of years shouldn't be too bad because if you think about the amount you're saving, then it's pretty silly. I'm only on TPFT because it was cheaper than TPO in the first year and on my ZX6R, it was only something like a 5 quid difference. TPO is well worth it if you have a rat bike or value it less than 1200 or so where the cost of the excess and claim will have severe implications when you go get your next bike.

Almax chain and 20 quid alarm and cover and chance it
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The Tot 2019 Z1000SX - 2007 R1
Never argue with autism

[iooi]

[quote="LH-ER5"]

[JGY6000]

I pay £13.30 PCM, TPFT on a bandit 600 live in london and im 19 3YNCD,

all you have to do is plenty of calling about, you will soon get the prices down, fight them off each other and then lie when they ask u how much the other one said!!

For some odd reason my insurance, more then halfed on renewal and i didnt even have to fone them! Im not complaining

[Villers]

Sounds like a nightmare andy. I didnt know you were riding again mate, last update I got was that you were off it for a long time??

Are you not fancying an SV again?

MY insurance is similar, messed up through no fault of my own.

Have you tried Express insurance?


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RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille > SV1000S > Street Triple 765 RS

[Andy C]

[quacker_boy]

My advice mate, buy a Fast Bikes magazine and call EVERY single insurer in the bleedin' thing. You're bound to get a pretty reasonable rate after that.

But you'll have probably spent that much on telephone bills
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wizzzard wrote: Imagine God just stopping by, tidying your front room up and then quietly letting himself out again. Statisticly more likely to happen than Korn being on here.

[trevoriv]

Run a quote through https://www.insurance2000.co.uk/motorcycle/motorcycle.asp

They have a scheme with the NIG which is very competitive and aimed at riders under 25.

But you will probably struggle to get a really cheap quote, at 18 with a fault claim you are a 'moral hazard' and not many insurers will quote at all on that basis

Just go TPO and get a big lock and chain