Zero no claims, how to reduce insurance CB1300?

Luke_Retrofly · Silly Lesbian Joined: 05 Jul 2003 Karma :

Hi
I recently had both my bikes stolen outside my flat (SV1000 CBR600). Thus losing all 7 years of NCB Crying or Very sad

.

Anyway I've decided to move house (with a garage) but want to know if there are any ways to reduce your premium.

There are the obvious ones:

Garage
Alarm
TPO/TPFT instead of Fully Comp
Lower Insurance group
Low annual milage
Dont take pillions

Is there anything else I can do to help get my premium down.

Currently looking at CB 1300's which are group 13 i belive. Quotes are around £700 TPFT.

I'm 24 BTW

Luke

kawakid · World Chat Champion Joined: 15 Mar 2005 Karma :

Couldn't you have protected your no claims, that way your premium wouldn't have been too badly affected.

Absolute bummer though.

Not having the bikes on show has to be the best advice, when you
get a new house, secure the garage, multiple anchors, chains, disk locks, throw bolts, digital baby monitors, dog etc.
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I've a twin and a 4.

G · The Voice of Reason Joined: 02 Feb 2002 Karma :

Doh. Older bike makes a difference - even of the same model... ten years difference was about half the price. Just get a cheap SV650 and go TPO Smile

.

Didn't know your bike did get nicked Sad

... did you get a pay-out on both?

Scouse · World Chat Champion Joined: 12 Feb 2004 Karma :

Datatag is one.

Not for Commuting is a good one.

Your job still seems to affect your quotes wether you have commuting included or not, or so I have found anyway.

instigator · Super Spammer Joined: 19 Oct 2004 Karma :

I personally haven't seen any difference in quotations if I state that I don't carry pillions or do very low mileage per year. Best of leaving these options on your insurance incase you do want to take a pillion - because if you have an accident with a passenger without the protection, I'm guessing they'll rape ye.

Buy a cheap, shite oxford chain, get a datatool system 3 or equivelant and that's pretty much what they're after really.

You could always go TPO. Neutral

TheFoxyDuke · Nitrous Nuisance Joined: 11 Mar 2009 Karma :

You could try increasing your excess up to a ridiculous level. £500 voluntary for instance.

Also, you could declare it as datatagged / smartwatered. Ground anchor inside the garage would help.

AFAIC shop around for the insurance. Simply insurance were an excellent quote for me. E-Bike do monthly policies which will give you 1 year NCB for 8 months premium.

I keep mine in the garage but don't even take the key out. I'm quite lucky in that it's a pleasure thing rather that a commuter or necessity. I never even take a disclock out with me as I never have to leave the bike anywhere Rolling Eyes

Best of luck but prepare to part with the pounds Shocked

BTW. I often find that TPFT is cheaper than TPO. I think it's because they believe you care for your bike more by insuring it higher.

FoxyD
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Scouse · World Chat Champion Joined: 12 Feb 2004 Karma :

Coxyzxr · Brolly Dolly Joined: 22 May 2008 Karma :

Robby · Dirty Old Man Joined: 16 May 2002 Karma :

With cars it helps to have an older lady with a clean licence on there as a named driver, such as your mum. Still knocks a chunk off my premium doing that and I'm 24 with 5 or 6 years no claims.

Apart from that it's really just a case of shoppng around. I daresay that a 24 year old with no NCB trying to insure a bike with a 1.3 litre engine will probably be seen as a DAS newbie.

teampots · Spanner Monkey Joined: 01 May 2007 Karma :

Luke_Retrofly · Silly Lesbian Joined: 05 Jul 2003 Karma :

Cheers for the replys guys. I'll search around as much as possible. I think my CBR6 insurance was £300 fully comp Sad

.

On a side note, CB1300; anyone owned one?

I was looking through biketrader/ebay and it was the only bike I went all gooey inside for Razz

.

I've always liked them, they make me go phorrrr. I used to have a bandit 6 which I think has about 70bhp and it was quick enough.

Drooling

https://kakaku.com/bike/images/bike/HONDA_CB1300SF.jpg

Flip · Super Spammer Joined: 28 Feb 2004 Karma :

Muscle bike goodness. Get a Beowulf can on it. Thumbs Up

Try here.

https://www.hondacb1300.net/

WildGoose · White Van Man Joined: 21 Mar 2002 Karma :

Luke

Sorry to hear about the bikes, that sucks serious balls.

No suggestions that havent already been mentioned i'm still getting shafted on insurance.
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So in other words, he stopped you for being flagrantly in posession of a motorcycle in direct contravention of the Hippies, Darkies and People Whose Face I Don't Like The Look of (Police Powers) Act. 1976