Insurance too cheap?!

[taz408]

Yeh rofl, it's not so much a case of "you know what i REALLY want?! I want a shite helmet"! it's more that when i grab the "your 17" money off my grandparents (no we're not rich but it was intended for car/bike", ill have about £800 to play with in getting setup; so I was assuming 400 for bike, 150 for insurance. 100 for test. 50 for shit jacket/50 for helmet. I have a little leeway for maybe an extra £150.. but I'm really hoping not to dig into that, would be good to do it all myself, if you get the appeal in that type of bollocks ;D

Thanks again for all your help guys

And yeh been riding the cg around the drive a few times when i visit my dad... i'm really comfortable doing hill starts/ U turns up hill etc... just pmuch cannot wait for this year to go by! Been in love with bikes ever since i can remember thinking "holy hell i want to do that when im older" about anything at all.

[m0l0t0v]

I'd honestly start saving up. Gear is what keeps you safe in unfortunate events.

£400 for a 125? Quite hard to find a good one for that price... Or do you already have one, with the riding around on the CG on the drive...?
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'99 Hornet 600 , VFR 400 NC30 '92 , Kasawamasaki GT 550 , '98 Hornet 600
**\Tarmacsurfer/** said: It's that immaculately manly coiffure of yours isn't it. One glimpse of your virile locks and the punters can't wait to buy whatever it is you suggest, as it might let them be just a little bit like the Adonis that is our very own Molly Doovydoo said: Its not my fault I can't get it up properly, I just wasn't blessed

[taz408]

Well my dads not exactly well off at the moment, so when he plans to upgrade his cg to an Enfield at about christmas time, he will basically NEED a certain amount of money for the deposit, he'd give it to me for free if he could purchase his next bike without (he recently passed cbt so getting into the swing of biking) 3-400 smackers. Yeah I am saving everything I get, but no luck with the job applications at the moment, but i'll keep trying.... i'm not a moron, i do want proper safety gear; but if its cheap jacket/jeans or not ride for a few months... I just couldn't stop myself from going out without all the gear. But yeah I am saving, and I really dont plan to go longer than a month without proper boots/leggins.

The cg is about 20 years old, been round the clock once, maybe even twice tbh... but because my dads been using it for the last month, will do for a few more.. hes found (and been forced) to repair all the niggling/serious issues... so i'm probably going to be getting a perfectly sturdy model! fingers crossed eh?

[itsallgood]

I'm in the same boat, amazed at the price.....decided I want a fazer when I pass my test and reckoned the insurance would cripple me, being used to car quotes.....

£160 tpft and I'm keeping it outside!!

Just need to pass my test now and buy one!

Oh and re helmets, I'm gonna buy one when I get paid as my instructors ones all smell like ashtrays, guess he teaches a lot of smokers!

Seen a few from box and nitro with a four star sharp rating and under £40. Also arashi are cheaper again (as low as £15!) but look it imo based on pics on the net, and don't have sharp rating at that money.

[0l0dom0l0]

[N cee thirty]

epic,i canceled my insurance as it was soo dam much

the woman said it was a high risk group though :S

will insure it again when i pass

every bike i've hads been epicly dear on insurance :S
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'00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30 Mod 2 Passed 09/06/2011

Jewlio Iglesias wrote: I actually did vote BNP once

[Nexus Icon]

I've had cheaper quotes for a brand new XJ6 Diversion F then I paid a year ago for a new Derbi Terra 125.

How it works, I've no idea!

I think Devitt insurance are underwritten by Direct Line, or they share the same underwriters in RBS. Something like that. They're quite reputable anyway.

[Ingah]

[taz408]

Hey - thanks for the tips mate, I will remember the stuff you've written. Even if the companies change, the principle of shopping around and trying to force some price matching will hopefully still be valid =)

[Clanger]

[Nai]

What effected mine seem to be the theft of 6 cars, 2 push bikes, and a motorbike from my close in 3 weeks. Scrapper van and toe truck just turned up and pulled them off. Crime rate for the post code through the roof much? None of them ever got found. My insurance goes from £500 tpft down to £280 if I put in my old house details about 2 mile from where I am now. Annoying.

[SirEdward]

Does having an immobilizer installed along with an alarm decrease insurance costs? If yes, how do you go about presenting the wonderful fact to the insurance company(s)?

I do have a warranty for my system - GT 971, on the same page there are graphs such as installation date, alarm model, stamp and installer signature (I intend to assemble it myself ) & so forth.
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"Beyond a critical point within a finite space, freedom diminishes as numbers increase. This is as true of humans as it is of gas molecules in a sealed flask. The human question is not how many can possibly survive within the system, but what kind of existence is possible for those who so survive.

Pardot Kynes in "Appendix I: The Ecology of Dune""

[N cee thirty]

hmm wonder if they put the insurance up to pay for the stolen alarm maybe,wouldn't surprise me
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'00 Aprilia RS50 > '92 Honda CG > '99 Yamaha Fazer > '91 Yamaha RXS > '79 Suzuki X5 > 01' Honda Cg > 07' Honda Cg > 82' Kawasaki Z200 > suzuki gsxr 400 gk73a > honda vfr 400 NC30 Mod 2 Passed 09/06/2011

Jewlio Iglesias wrote: I actually did vote BNP once

[Paxovasa]

I have just renewed my insurance. I got FC with legal and breakdown for both bikes = £241 through express insurance.
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Suzuki GSF600 K3 (in the fastest colour, black).

[Fungus]

I've found with insurance, that although where you live is a big factor. How much Damage you can do to other property with the vehicle is the big risk when they quote. Hence Bikes tending to be cheaper than cars to insure. Also, the insurance companies work on statistics and the statistics are that cars do more miles than bikes so are a greater risk, therefor premiums are higher.
Also, what you do as Job can effect the risk. A mechanic will generally pay more than an office worker.