Insurance quote - too cheap?

LankyPaddy · Scooby Slapper Joined: 09 Apr 2008 Karma :

Currently looking at quotes to insure my first ever bike.

Bike in question is a 2004 Suzuki SV650S, 5000 miles on the clock, worth around £3000. I have 0 riding ability, but 7 years driving, 2 yrs car NCD, clean history.

Various comparison websites have brought back fully-comp quotes of £600-700 pounds (with excess of £200-£300), however BikeSure/Adrian flux have quoted me ~£225 with an excess of £200.

Is this normal to have such huge gap between premiums? Should be be wary of this quote?
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Say, do you have any Gatorade? I'm afraid I left all my electrolytes with your daughter.
Current bike: SV650S K8

nick606 · World Chat Champion Joined: 12 Nov 2006 Karma :

Just check to see if there any extras and make sure you have all your details correct. Then go for the cheapest

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Remember you can't use the NCB on both car and bike....

If all other details are correct i would see how much it is with a lower excess.
Remember you have a compulsory excess of £100 or £150 to start with, so if they adding on top, it will effect any payout and the savings don't match the increase in excess.
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Just because my bike was A DIVVY, does not mean i am......

Spit-Fire · World Chat Champion Joined: 24 Jun 2008 Karma :

iooi · Super Spammer Joined: 14 Jan 2007 Karma :

Not at the same time....

Like i have 9+ years on a car, but i can't use it on both bike and car.
So its used on the car, and i now have 2 years on the bike. Thumbs Up

that i have built up on that.

Also remember that if you have had a gap away from any insurance. Any NCB you had before may have ceased to be valid.
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Just because my bike was A DIVVY, does not mean i am......