What bikes can you insure for <£200

[P.addy]

I got bored at work and did a few quotes for the bikes i'd like to own.

Did a quote for a VTR SP1, came out at £500, thought it was reasonable.

Did a quote for a Blackbird, came out £580... again fairly reasonable considering I have 3 points.

Then a DRZ400SM, which I would consider a chavs wet dream... came out at £130 FC... and got cheaper with TPFT

Quoting some more supermotos and was getting quotes around £3-400..

So a bike I really fancy is within my £200 limit, what about you?

[boundy]

my exc 400 was £76. Most older litre bikes come in under £200, ZX9R's im looking at are about £120ish tpo, 25, 6 points, 2 years ncd.

[robs321]

My old 03 954 blade was £99 and my 2011 CB1000r is £142 full comp!

[andym]

£181 FC on an XJ600.... 1 year NCD.... oh and it's insured on a provisional




(and yes they know I only have a provisional)

[jay12329]

Z1000 was only around 150 FC this year. So pretty much anything will be under £200 for me.

J

[Paulington]

There is not a single person on this forum (Nay, in this country) who can tell you what quotes you will get on bikes because of the quotes they got. Everyone gets different quotes for every bike but all we could tell you is what bikes tend towards being cheaper to insure.

To fit the "cheap to insure" bill, generally they need to be:

Naked/bikini faired. (Unless a tourer).
Commuter-orientated.
Tourer-orientated.
Not crashed very often by other people.
Smaller capacity tends towards cheaper insurance for the same type of motorcycle. (I.e. a Ninja 250 will be cheaper to insure than a Ninja 600 [extreme example, I know] etc.)

Those are only a few things insurance companies take into account.

Try looking for bikes like a Hornet, SV650/SV650S, GSX-600F, CBR600F, ST1100, VFR800, XJ600, FZR600/FZR1000, Super Four, Superdreams, supermotos, scooters (like a Turdman) and various others.

It's pretty obvious when you actually put your mind to it, bikes that are not sports bikes, race replicas, sports tourers etc will be cheaper to insure for most people, just search for some bikes you like and see what comes out.

No bike can be guaranteed to be insured for <£200 no matter what. !

Also, Andym, the reason that XJ600 is so cheap is because it's insured on a provisional. That means you can only use it in the presence and in constant radio contact with a qualified instructor. Once you pass your test that will go up.

Hope that helps Paddy! !
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Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[iooi]

ALL my quotes are under £200

The joys of being old, living in a nice safe area etc.....
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Just because my bike was A DIVVY, does not mean i am......

[philoldsmobil...]

£89.22 on a 1998 Ducati 900SS with 5k miles per year TPFT

mind you, i was only quoted £434 for a Maserati 3200GT. Pay £396 comp on a quad cam Alfa Romeo, including European breakdown cover.

33 year old Professional, had both licenses (car and bike) 16 years, no points, no convictions and 1 non fault accident (rear ender) Live in Milton Keynes, so only a so so insurance risk (for a city)

[Teflon-Mike]

For me;
(Aged crone; licence 20 years, 3 point triggering a scamera, four years ago: No 'current' NCB on bike.)
'93 CB750 TPFT: £85
'75 DT125 TPFT: £100
Same value; same security; same mileage; same excess's...
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My Webby'Tef's-tQ, loads of stuff about my bikes, my Land-Rovers, and the stuff I do with them!
Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?'

[G]

[Rob W]

What is the excess on these quotes though?
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TS50 > Senda 125 > ZXR400 > CB-1 > GSX-R1000 > Bandit 600 > ZXR750 H1 > GSX-R750 SRAD > '98 RR-W Fireblade > T595 Daytona > Hornet 900 > '04 Fireblade > GSX-S1000F (x2) > '23 XSR900

[P.addy]

[pinkyfloyd]

My VTR was insured for £97 for the year and the breakdown is:

TPFT.
£250 compulsory excess.
£0 Voluntary excess.
Other bike cover.
Bike parked on street.
Social and commuting.
Full license held for 1 year
3 years no claims.
36 years old.

Not bad me thinks.
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illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
Hockeystorm65:.well there are childish arguments...there are very childish arguments.....there are really stupid childish arguments and now there are......Pinkfloyd arguments!
Teflon-Mike:I think I agree with just about all Pinky has said.

[WannaBeDude]

[ajbsmirnoff]

Become an older married homeowner, your premiums plummet.

Have a myopic oriental wife on your insurance who parks by 'touch' and they fly skyward. Swings and roundabouts.

[chris-red]

The only ever quotes I have had come up at under £200 have been a 60's bonnie and a WR400. Both with 0 NCB.
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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.

[robs321]

[0l0dom0l0]

Well, on the subject of this.

The cheapest quote I even got was FC on a KH 400, came in a £120 I think? 17, no NCB on that one. Bit of a bargain tbh.

My renewal came through today at £1179. 18, 2 years NCB, garaged on my Fazer purely because some woman drove into the back of me and I now have a non fault claim declared lol. (paid £500 ish last year with no accident)

Can't really understand this?
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CBT Passed: 30/08/2009, Theory Passed: 31/08/2010, Mod 1 Passed: 6/9/2010, Mod 2 Passed: 13/09/2010. Restriction ended 13/09/2012.

Bikes: 2007 Derbi GPR 50, 1998 Yamaha Fazer 600 (written off), 2002 Yamaha Fazer 600, 1994 CBR 600F, 2003 Triumph Daytona 600, Kawasaki ZX6R J1.....Current: 2006 Yamaha FZ6, 1998 Suzuki TL1000R and a Honda VFR 400 NC30.

[plugger147]

My xjr1200 costs me 150 fully comp yet the Chinese 125 scooter I use as a hack is 90 quid tpo, don't make no bloody sense (well except bits don't fall off the xjr)....
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Tristan the wrote: just whipped off my trousers to find a big bruise on my arse, caused by matt rear ending me...

[DrDonnyBrago]

My CBR600F scratches at £200 - (£210) for FC with a £200 excess.


Normal quotes for all the usual suspects like the 500 twins, 125s, 600 nakeds etc come up under or close to £200. Other 600 sportys come up on or around £300ish, litre bikes come up at £500 or so and the busas etc come up around £700.

[P.addy]

[JP7]

The premium for my FZ6 this year was £91, TPFT. Then I got £30 cashback off Swinton. Then I got £27 cashback for buying it through Quidco. So this year I have spent £34.

I'm 27, 2 years NCB.

[Fizzer Thou]

https://i666.photobucket.com/albums/vv23/WiNot_Rhencullen/Picture068.jpg
This costs me £48.50 TPFT.
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Just talk bikes.What else is there?

Always have a 'Plan B'

[0l0dom0l0]

[Mrjoolz]

Got my ZZR6 insured for 98.80 TPFT, with declared Drink Driving Ban.