Bike vs Car insurance

[Yarri]

Why? Why can i get insured on supersport bike which can do 0-60 in around 3.5sec for 450quid at 19 with a claim and some points. But when it comes to the cages even a peougeot 106 with 1.2littre engine i can't find anything lower then 1500 TPO... ?

Do i look in the wrong places ?
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Theory Passed: 23/10/2008 49/74 Bike Test Passed: 05/01/2009 1 minor
Theory Car Passed: 22/07/2009 48/74 Car Test Passed: 22/10/2009 2 minor
Few minutes of life of the biker could be more interesting then the whole lifes of many people

[Wafer_Thin_Ham]

More young kids crash cars than crash bikes.

Therefore the insurers pay out more to young drivers than young riders.

It also costs more to fix a car than a bike in the event of a prang. Cars tend to see more use as well.
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My Flickr

[Rawker]

i have the same problem, its more to insure my car than my bike.

its cause the amount of damage a supersport will do when you hit a car is alot less than the damage a 1.2l car will do in a shunt.

[LimehouseCBF]

https://www.bell.co.uk/?media=adwo5 im young driver and i use them have been really good so far, cheapest ive been offered for 2 years
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And on the 7th day the lord said..lets get pissed

[cicatrez]

bike is perhaps less likely to cause as much damage as a car?

its £1200 TPFT to insure my £300 car. yet its £300 to insure my £800 bike
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'02 Honda City Fly

[Yarri]

i wanna see how much damage can my gixxer do at 150mph to a car, not wise to try it out though
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Theory Passed: 23/10/2008 49/74 Bike Test Passed: 05/01/2009 1 minor
Theory Car Passed: 22/07/2009 48/74 Car Test Passed: 22/10/2009 2 minor
Few minutes of life of the biker could be more interesting then the whole lifes of many people

[Yarri]

[Flip]

The joys being in my thirties.

[Poseidon]

talking about insurances being weird... I'm 25, no claim/offences etc

£146 for CG125 TPF&T (topped out at 58mph indicated on my CBT... My immense 6'2 frame makes an excellent air brake!)
£101 for CB500 TPF&t (did 95mph indicated without it topping out!)

how does that work?

(£300 for megane 1.6 coupe fully comp comparatively/topically speaking)
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1977 Honda CG125
2002 Ducati Monster S4 (currently restoring)

[Mr Nice Guy]

I got my renewal through the other day, it has gone up £95 despite another years NCB and no claims/no anything. Needless to say, I won't be renewing.
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Suzuki GSX-R750K4 ~ Mivv GP

[Villers]

Well I'm the other way around, bike is more than the car. The busa cost me about £600 and the car costs £250.

I guess it boils down to any old barry being able to get in a car and plough through a crowded markeptplace and crash with four of his chavvy mates in the back. Big bucks.

A girl at work though, on a different note, has just bought a brand new 1.4 seat ibiza and is paying a little over £800 fully comp. Strange
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RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille > SV1000S > Street Triple 765 RS

[Flip]

[Kickstart]

Hi

Suspect the main reason is that on a bike you only have 1 passenger at best to wipe out and trigger a large claim. With a car there are 4 potential passengers to be wiped out and generate a massive claim.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[damz]

[Faldo]

Probably because there's no such thing as a 1.2 Peugeot 106/Citroen Saxo.

In all honesty, I've always struggled for insurance. I think I paid over a grand to insure a 1.0 Peugeot 106 when I was 17. It's just the way it is. Insurance in this country (even worse in Northern Ireland) is basically a tax on young drivers. How on earth a 75 year old driver who can get insured for about 100 quid a year is less of a risk than an 18 year old is beyond me. I've done plenty of miles and can honestly say that older drivers have been more of an accident risk to me personally.

As driving costs as much as it does in the way of road tax/fuel duty I think insurance should be regulated.
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Current: ZZR1400
Previous: ZXR 400 L9, ZX-7R P5, ZZR 400, ZX-7R P6, Bandit 600, GSXR 750 Slingshot, DRZ400, DR650, ZX10R C1H, ZXR 750 L1, ZXR 750 L3, '99 ZX7R P4, KTM 300 EXC, ZX-9R E1, TDM850

[Yarri]

[arry]

[arry]

[RichieZX6R]

Im the other wat round actually. I have 4 years bike NCB and 2 years car NCB at 21 with one car claim against me. car ( 52 reg punto) is £480 Fully comp a year with bell and the CBR is much the same, maybe 500 a year with h&r.
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Current: Kawazaki ZX6R 51
Past: Kawazaki ZX6R 96 - Honda CBR 600F4 05 - Dragstar 125 02 - Honda CB 400 SF 94 - Honda NSR 125 51 - Gilera Runner XV125 04

[kawakid]

I'm other way round. Fully comp with no claims protection in Mondeo is £220.

Fully comp with no claims on bike is £300. Saying that I do have 2 bikes on the policy.
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I've a twin and a 4.

[robbieguy2003]

Cars are more expensive for me... I'm 23, bike insurance is around £500 FC on a 600RR 2007.

Car insurance is around £1200 for an Impreza WRX with Prodrive Kit and a Freelander 2.5 V6 Petrol - both on the same policy full comp.

The Impreza however is my sisters other halves, I've just been driving it a lot as she has nicked my freelander.

I'm considering getting on of those new Fiestas as I dont drive that much, they cost bugger all to insure and run and I'm not that worried about depreciation as I need a fairly new car for work (get paid extra to have a car).

As has been said above, cars tend to break and smash into things in a more spectacular way leaving a bigger mess to clear up, costing much more money.

Also, attitude tends to be different. In a car people feel safer as they are enclosed and tend to take more risks causing more accidents. Bikers tend to have a different attitude to risk which results in less accidents. The issue we have is that when we do have an accident, it tends to hurt more.
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Current Bikes: Honda CBR 600RR - '07, Suzuki GSX1250 FA ST '11
Old Bikes: Suzuki Intruder 125 LC - '2001, Honda CBR 600F - '92, Honda CBR 600RR - '03

[the grim reaper]

As previously stated, it's all down to statistics and insurance history. For example, you may well pay more insurance for a 1L Nova than you would for a 1.6L Focus. This is because chavs buy and crash Novas, whereas old people and sensible types would buy a focus. Not necessarily the case but if a particular car or bike has a poor insurance record then it will cost more to insure.

That is why a Fireblade is mroe expensive to insure than a Gixxer thou, because the Blade has been around in one form or another since 1992, whereas the Gixxer since 2001.

Cheers

Grim
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Adverts don't always work: Remember that advert, where the army are running across the desert and they have a wounded man on a stretcher. They get to a ravine, the bridge is down and a caption pops up that says, 'What are you thinking?'. I don't know about you but I was thinking, 'Christ, I'm glad I'm not in the f***ing army'.