Check what insurance group specific models are

[squishio]

Hi All

Pondering over the idea of getting a new bike, but insurance costs are playing a big part in the decision.
Living in north london, without a garage and being 19 are producing ridiculous costs.
For example...

2005 Triumph Daytona 650 (£3400 value) > TPFT = £11,250


I read somewhere that the daytona 650 was insurance group 15, so I want a website where you select the make and model of the bike and it tells you what insurance group it is in. I figure it will be quicker doing this than continuously filling out insurance checker forms.

Does anyone know of something like this?

Cheers!
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Current - Hornet 600, Transalp 650, X140 Pit, GPZ400R
Past - SY125, GT250, GT650, CX400, CBF600, Bandit 600, SL1000, GT250

[G]

Different companies use different systems, even norwich union add extra weighting to their standard groups, so it's hard to get a definitive answer.
Best bet is to get some quotes with something like the bike insurer site (use fake details, they'll spam you anyway they can.)

This is an out of date list: https://www.vauntage.co.uk/bike_groups.htm

[Acemastr]

Sometimes... just sometimes it's cheaper to go fully comp than TPFT, this was the case with my car. Worth a try
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2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited

[P.addy]

11k for a daytona?!
shit man.. i live in probably the roughest estate in Kent, insurance on my riding pals tl1000r is only £700 FC at 19..
That is some heft damage... how about you buy the bike for me..store at my locale, you know..safer + cheaper

I believe MCN has reviews/Insurance groups on their site.

[G]

Also, older bikes will be cheaper for insurance in most cases, even for TPO!
Personally, I'd expect a circa-2000 vintage CBR/ZX6 will offer pretty much as good a riding experience, but will cost less to buy and possibly insure.
I'd look to spend around £1500 on the bike personally, then go TPO and get a big lock!

[covedude]

GREAT site for ebay bike searching G .. thanks ...

zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz
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[crackfinder]

squishio

if you use go compare, you fill your details in once, then you just change the bike details everytime you want a new quote...... you just log in and click new quote, all your details are there and you just put the make, model, cover and value in...it's a doddle

[covedude]

Yes, but having G's site tabbed next to my ebay .. i can see what group they are, ie above around 13 is a no go area for me at present ...
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We all choose what to think about ....

[squishio]

have already done the gocompare thing.
but the results are not coming up with anything below the cost of the bikes I'm entering

I want to check the groups just to see out of interest to see if a lower group does change the insurance price.


I am starting to lean towards giving up and getting an old cbr or similar but I am drawn to the daytona as the cbr's etc are just a bit too common for me
Meaning no offence to those that ride them, they are nice bikes but I like something a bit different to everyone else, like my Hyosung GT250 you don't see one of them every day or month
____________________
Current - Hornet 600, Transalp 650, X140 Pit, GPZ400R
Past - SY125, GT250, GT650, CX400, CBF600, Bandit 600, SL1000, GT250

[covedude]

Fucking Prik, there you go, a real reason to rate abusive ....

zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz
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We all choose what to think about ....

[The Original Muzza]

MCN reviews put the insurance group on the bikes' pages.
However the grouping really doesn't mean a lot.
It was cheaper to insure my TT600 (group 14) than it was to insure a group 9 bike of the same value. Both were classified on insurance websites as Sports-Tourer.
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Current Bikes: Husqvarna Svartpilen 401 (2020)
Former Bikes: Honda MSX125 (2014), BMW Funduro (1996), Honda VT500 (1983), Yamaha FZR250 (1989), Suzuki GZ125 Marauder(2005),:Triumph TT600 (2002) (stolen)
From then on, I and the bicycle feelings deeper.

[squishio]

just tried using my friends address who lives in high wycombe...

2005 daytona 650 ridden by me locked in a garage...

£560


Same details without the garage...

£708



Really bloody annoying!!!
So, I live in an area of apparently high crime, so insurance rates are higher, thats fine.
But as a result but how the hell can they exceed the value of the bike!!!!
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Current - Hornet 600, Transalp 650, X140 Pit, GPZ400R
Past - SY125, GT250, GT650, CX400, CBF600, Bandit 600, SL1000, GT250

[arry]

If you use Confused.com it's a piece of pee to just amend the quote and stick another make of bike in, especially if you trawl the adverts with piccies and get the reg numbers

I do it quite a lot - I was thinking of a 748 but I was suddenly put off when I ran the quote through

[G]

[The Original Muzza]

[squishio]

I just did a TPO with all the same details...

Wycombe address...

£392


North London address...

£384



So I guess the third party aspect makes bugger all difference in terms of the chances of me hitting a ferrari in london rather than a punto in Wycombe

ohh hum....
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Current - Hornet 600, Transalp 650, X140 Pit, GPZ400R
Past - SY125, GT250, GT650, CX400, CBF600, Bandit 600, SL1000, GT250

[G]

Just get a cheap zx6 and use some of the spare cash to get a fancy paint work, or maybe some pink-spray cans, which'll make you a lot more distinctive than having a slightly different make of sports 600 .

[st3v3]

[arry]

How the hell you lot pay this much for insurance is beyond me - I'm not exactly old, only passed last year and my renewal on a CBR6F is only £140

[covedude]

[arry]

[chris-red]

They fuck you when your young. I'm 22 and If I wanted to insure a 1.1 15 year old Fiesta TPO it would be £1200
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Well, you know what they say. If you want to save the world, you have to push a few old ladies down the stairs.
Skudd:- Perhaps she just thinks you are a window licker and is being nice just in case she becomes another Jill Dando.
WANTED:- Fujinon (Fuji) M42 (Screw on) lenses, let me know if you have anything.

[Irezumi aka Reuben]

Try and give these guys a go, came up cheap on most insruance qoutes for me. On the comparison websites look in to going fully comp as it can often work out cheaper (and better) than TPFT, all my policies have been FC due to this.

https://www.simplyinsurance.uk.com/

Also the problem you are finding is because youre looking at the 650. I had a look in to this bike and found the 600 was noticeably cheaper to insure, possibly to do with capacity, possibly age but most likely both.

I'd also do what G said and consider getting a J1 ZX6R. Very good bikes, more than fast enough, good handling, relatively comfy, build quality is good enough for all year round and the insurance is cheaper than any 600 of a similar vintage.

[st3v3]

[covedude]

And why do they expect one to pay double the norm for a hugger seat cowel and crash bungs ...
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