Big insurance payout: help me choose my next bike...

[YourMumRang]

Hey all!

A very quick breakdown: I had an accident where a car driver blasted into the roundabout and into my path causing me so smash into him. He accepted full responsibility because he was Canadian, going back in 5 days and in a rental car.

So I get my rental bike (paid for by third party) and my little 2001 CBR125r - the one I paid £1050 for - has been written off. Better still, it was valued at £2380 and this is what I am getting back!

Aside from how the HELL they came up with this valuation I am left in a quandry.

- Buy another 125 and a holiday/new PC (not my preferred option)
- Get a bigger bike for around £1500 and spend the rest on a DAS course.
- Buy a car (never!)

So it seems that using this as an opportunity to get those damned L plates off is best for me. Do you lot agree?

After that the question of 'what bike' is most on my mind. The options:
- Something in the 250 - 500 range? Problem here is the lack of choice and ugly-ass commuter style of most 500s.
- A 600. More choice, power but tbh I'd rather not kill myself by going for something this powerful next.

Anyway, all help and advice will be welcomed.

Cheers,
Mumsy

[waffles]

DAS for sure, why spend all of that cash on another 125 when you can ditch the L plates and choose any type of bike you want? And I went from a 125 straight onto a 600 with no problems, you'll do DAS on a 500 anyway.

Then its all down to what style bike are you after. £1500 will get you something pretty sweet
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Theory test - 19/8/09, CBT - 11/10/09, MOD 1 - 16/8/10, MOD 2 - 27/10/10
Past rides Yamaha XT125X, Triumph TT600, Honda XR250
Current rides Suzuki GSXR 600, Honda MSX125

[bombom]

defo DAS, i had a few quid spare and just chucked it at that , only cost me around 360 for a 3day course

[YourMumRang]

Well, it's mainly gonna be for commuting and pleasure so something powerful enough to get up a hill more easily than my 125 (lolzzz) and something comfortable/easy to ride.

I'm concerned about the temptation to go fast that a 600 so I'm not looking for the fastest bike out there.

Ideally I think a fully faired bike is what I want. I wouldn't say no to a big tourer but I'm not a big guy so it may not be practical.

I'd consider a Triumph cruiser if anyone wants to give me one for £1500

[UKRedwing]

DAS > Buy 600 > Restrict for a few months > Profit???

[Jim Mc]

Prepare to be raped on your future insurance premiums.

I parked in a marked car park last year along side a load of other cars, which was bordered with a construction fence. Over the course of the day the winds really picked up and the fence wasn't secured sufficiently and collapsed on to my car, I received no payout due to my insurance company being hopeless. Obviously completely non-fault.

Because it's on the insurance database, I have to declare the accident in order to sign up for a new policy.

With the accident declared the premiums go up on average by £170.

Their excuse? I should be more careful where I park my car, as the premiums are evaluated on risk, and through the accident occuring I am higher risk.

I will never claim through insurance again, EVER.

[YourMumRang]

Well hopefully it won't be too bad.

Any ideas on specific bikes? What're the most reliable 500s?

[Wafer_Thin_Ham]

[P.addy]

[Rogerborg]

[P.addy]

[nick.h]

3 non-fault, 1 fault (most recent). My premiums are fine, 22yo, thunderace, <£400.

I guess this is this guys first claim too.

Also DAS + first big bike
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[Italjet MM5A] ll [Rieju RS1 Evolution] ll [Suzuki GS500e] ll [Suzuki GSX600F] ll [Honda CG125] ll [Pug Elyseo 125] ll [Yamaha YZF750R] ll [Yamaha Thunderace] ll [Yamaha R6] ll [Triumph 955i] ll [Hayabusa RZK3] ll [Suzuki RGV250] ll

[nowhere.elysium]

[YourMumRang]

Yup. 25 and my first claim.

Would going from a 125 to a sports tourer be a really bad idea?

[nowhere.elysium]

[P.addy]

[Nexus Icon]

[P.addy]

[salty21]

[Stowelly]

[Bike Bunker]

Quick question:
I was knocked off by a car 100% her fault she admitted it and everything....When i try to insure a bike now will my premium really go up

for me to insure a zx6r they want 800ish

for a zzr600 they want 600ish

my 125 was 220 this year( before the crash)

still in the process of claiming , any advice?

[P.addy]

[Nexus Icon]

[DrDonnyBrago]

[shereen]

I have had 2 non fault accidents, I never declare them to my insurers! Fuck em It wasn't my fault so why should I have to tell them?
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