When does Insurance get "cheaper"?

[drzsta]

its really depressing, iv'e had my licence 2 years now, im 18. had cbr125 then a drz 400 - but for some reason i always had it in my head that riding a bike was cheaper than driving a car.

now i think iv'e been wrong, new tires every 5k miles, regular oil changes, a few "accidents"

I'd love to get a Gixxer 600 or something similar but insurance is almost 2k!, now i think i would of been better off following my mates and getting a corsa or 106

guess thats how it goes...

its all too good for you old F***kers!
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Current Bikes - BMW S1000RR ‘17 & KTM 690 SMC-R ‘12

[Stowelly]

not sure of exactly when, but was amazed that to be insured on a tdm 850 tpft was only £260 for me at 25 with just a provisional and no NCB

so maybe the age really does make that much difference?

[.....]

You say 'accidents' - have they led to any claims?

I'm annoyed as my insurance has gone up this year - I suppose it's because I added another bike to the policy and had a claim (in a van) against me.

£200 fully comp for both the bikes - highway robbery!

[Kickstart]

[krytenboog]

I'm posting this from my phone as I'm stuck working away so please forgive any poor formatting.

It's true that age is a major factor in insurance which actually means that the slower your reactions and the more worn out you are the better risk you are . This seems daft as experience does not equate to
Skill or reduced chance of mistake automatically or even actuarially

there are though greater imperatives for risk taking in the young in any society and I suppose this accounts for the greater showing of younger riders/drivers in accidents as a group but not necessarily mean that an individual is a higher risk per se

I am 45 and my 2 litre Nissan is £99 fully comp and my 600 divvy is £58 fully comp and I generally ride and drive like a mad max extra so
I guess there is room for changing the way insurance is approached

[rac3r]

19, 0 NCB, Monster 620 £460 TPFT
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[SlimRick]

37, no no-claims, full license since 20, ZZR600 £110 fully comp......sorry!

[HP]

17 full lisence 1years no claims and £147 tpft with 1years ncb, but that is on a honda cd250u

[Charlie]

20 (reading other peoples ages makes me feel old), 4 years NCB, hornet 250, 0 points, protected NCB, fully comp, £158

I think where you live, and if it is garaged effects it a lot. Changing my insurance to my student house in Leeds triples my insurance. And when it was £200 that was quite a lot different.
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Past: Honda x8rs, Honda City fly, Honda Hornet 250, Honda VFR750, Yamaha xt600e.
Current: Honda CBR929RR & Yamaha XT660Z Tenere

[Noxious89123]

20, 2yrs NCB, CBR600 £380 TPFT.
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'06 Honda CBR125RW-6 ~ '00 Honda CBR600F-Y ~ '07 Honda CBR600RR-7 ~ Bikeless
'53 Ford Ka 1.3 ~ '03 Vauxhall Astra SRi 1.8 ~ '52 Vauxhall Astra SRi 2.2 ~ '53 Vauxhall Astra GSi

[Dan79]

I got my car and bike licences at relatively late ages (mid twenties) due to previously mostly getting about by bicycle so my experience is a bit different to most.

When I started on my first bike (a 500) it cost about £400 TPFT compared to about £250 TPFT for the car I had at the time.

That decreased rapidly, three years after getting bike licence f for it was about £250 TPFT per annum for that 500. Now about £150 FC a year, and I currently have two bikes a 500 and a little 100, and no car of my own to insure !

I think a lot of it comes to avoiding mishaps - if you don't hit anything and nothing hits you, your premiums should favour you as you gain experience - so ride safely
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Previous bikes - 1984 Honda VF500 (FII) Interceptor and 1990 Yamaha RXS100
Current bikes - 1984 Honda VF500 (V30) Magna

[nick606]

3 years ncb, 19, gsxr 750, £390 tpft trick is just to ring around alot !

[StevenF]

[P.]

21, GS500 (before writeoff ) paid £160 FC, held unrestricted licence since May, 0 no claims, 8 accidents, none at fault..

Although insurance on a 600 sports is quite hefty for me

[ms51ves3]

18, 1 year NCB, TZR250, £230 TPO

Renewal is looking like:

19, 2 years NCB, TZR250, £200 TPFT

[smegballs]

I'm 19 with three years no claims, last year I could insure any of the sport 6's (going mid to late 90's - SRADs and such) for 250 or under.

An R1 is about a grand but barring litre sports it is all under 400 quid pretty much.

I found that my first years NCB made the biggest difference tbh.

[johnsmith222]

19, 2 years no claims. ZZR600E = £290TPFT

[Welshd1k]

[Will87]

22, 4 years ncb, 5 bikes insured, TPFT with ride other bike cover: £470.

[Welshd1k]

[Will87]

Nope all done through Adrian flux, was about the same last year for 4 bikes with 3 years ncb with carol nash!

[m0l0t0v]

[Will87]

To set it straight i insure: '98 VFR800, '04 KTM EXC 525, '53 BSA A10, '45 Norton ES2, '27 BSA Roundtank. The three being classics don't add much, mainly pay for the VFR.

[m0l0t0v]

[Aka Matt]

20 years old 2 years ncb gsx-r 600 k2 £460 tpft
0 years ncb gsf600 k1 £302 tpft
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Current bike(s): 2016 Tuono 1100 Factory, 1998 Hornet 600
Previous: 1998 YZF600R Thundercat, 2001 Bandit 600, 2002 GSX-R 600 K2, 2011 Tuono R, 2013 Z1000SX