New bike and insurance

[Lynce]

Hi, I am planning to buy my first bike, and originally that was a NSR 125, but then again, I now decided to go for YZF R125 - Never going to spend all that money on a new one, planning to buy for 1500-1700 as their prices are going down now.

I am 20 years old, and never had a car or a bike in my life, I would be driving on CBT, so the insurance on the YZF is around 450-500 which is quite a lot.

I was thinking of waiting a year, getting my full license at 21, or even a restricted on right now, and buying an R6(restricted or not, depending on the license).. But the insurance on an R6 that i got, was around 4000 for TPFT, which simply amazed me..

So that is the main reason i'm getting a 125cc bike, and not even a restricted 600 (or smaller).

The question is, will riding a 125cc for a year, decrease my insurance quote of a bigger bike? Or will it just stay around the same stunningly high price?

Maybe anyone could suggest anything smarter for a first bike? Because I do know, people crash their first one atleast once, and the fairings are extremely expensive to replace..

Oh by the way, a great forum as I read through alot of threads, just joined in!

[arry]

Road experience on a 125 will decrease your premium slightly when you've passed your full test, yes.

Personally, if it were me - I'd not do the 125 thang, I'd go in for the full test, buy a cheap 500 which would still thrash the 125, run it for a year then buy what you want once you've got a decent year's NCD and had your licence a year.

[deanoet]

Or even do the restricted test and get an old 250
Cheap as chips to run, buy and insure.

Going from no bike experience to an r6 is like starting your driving experience in <insert supercar of choice>

Do Some quotes on gocompare etc etc on some of the more sensible first bikes
Cb500 \ 250 as an example

Once you have proved to the insurance world you aren't a liability get the r6

2 or 3 years no claims bonus will work wonders

Fiddle with the compare sites and see what you can get.
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CBT Passed 18th July 2007 : Previous Bikes> CG125 : Current Bike> Hornet 600 : PASSED DAS 30th Oct 2007
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