Bike Insurance

[KingKong]

Hello

I have been researching bike insurance on an r6 as well as GSXR600 and keep getting quotes of around £1600 (TPF&T). However, on the GSR600, I was quoted a mere £500... £1100 difference - WTF?

What's more crazy is that the GSR 600 costs £50 more than what I'm currently paying for my R125 on a CBT!

Is there a specialist bike insurer that provides cover for less than £1600 on such bikes (for inexperienced riders aged over 25)?
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Kwak 636 (2005)

Past - 2016 Ninja 300 (dark grey); K4 GSXR 600 (sexy yellow); 2002 CBR600FS; 2004 GSXR 1000; 2006 Kwak 636; 2005 Yamaha XVS 1100 Dragstar (facepalm); 2005 Kwak 636; 2011 Yamaha R125.

[Pol Anorl]

[KingKong]

To be fair, I am a new rider, and so do not have any no claims, and I chased quotes for 600cc super bikes. But, still, I am shocked that a Suzuki GSR is a grand cheaper to insure than the GSXR... It's just as cheap as my r125.

If indeed it appears I am looking in the wrong places for bike insurance, will you kindly point me in the right direction please?

Cheers.
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Kwak 636 (2005)

Past - 2016 Ninja 300 (dark grey); K4 GSXR 600 (sexy yellow); 2002 CBR600FS; 2004 GSXR 1000; 2006 Kwak 636; 2005 Yamaha XVS 1100 Dragstar (facepalm); 2005 Kwak 636; 2011 Yamaha R125.

[Pol Anorl]

check out confused.com
ive been riding since i was 17
im 20 next month
2 years no claims at my age dosen't do much, but id suggest trying a smaller bike?

If your a new rider a 600 would be a bit potent, mines only a 400 it does 100 easy enough

look for a less "sporty" bike so to speak
look up the bros 400
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GOOD GAME BODYGUARD: https://i.imgur.com/8WePGgf.jpg
20:30:37 Pyro.: I don't sort of like men, I take every advantage to choke on dick.
Jewlio Iglesias: You live in Liverpool - Chances are, the front door has already been kicked off the hinges

[Nick 50]

[multijoy]

It's the theft bit that's driving the price up.

Nobody'll nick the GSR600, even if you left the keys in
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'11 CBF1000A, '99 C90, '98 CB500
silky666: He rode amazingly well considering his bike is the weight of a small van and had slicks on.

[Wafer_Thin_Ham]

[P.addy]

Sports bike insurance is high. It always will be.

There are some oddball bikes out there which cost next to F.A to insure.

For me its far cheaper to insure a GSXR750 than it is a Ninja 250.. But I cant insure a Ninja 600 for less than £1000.

I can insure an SV650 and a CB400SF for <£200 but an SV1000 or CBR400 cost over £500

I dont care what bike I ride, nowadays i'd buy a bike based on insurance prices

[KingKong]

[P.addy]

[Yarri]

Insurance companies are nothing more then a fraud on massive scales.
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Theory Passed: 23/10/2008 49/74 Bike Test Passed: 05/01/2009 1 minor
Theory Car Passed: 22/07/2009 48/74 Car Test Passed: 22/10/2009 2 minor
Few minutes of life of the biker could be more interesting then the whole lifes of many people

[Polarbear]

I agree, any other companies collaborate on price fixing they get huge fines. Insurance compaies do it all the time.
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Triumph Trophy Launch Edition

[KingKong]

[iooi]

[Paulington]

PolarBear is talking about insurance companies "talking" to eachother saying things like:

"Yeah, for 600cc sports bikes we're going to charge an assload no matter what."

Also, there is a theory posted around on here that if you try loads of different comparison sites with the same details, you tend to get the same quotes again and again as they figure out it's just you trying to get a cheaper quote, how true that is I don't know.

However, Yarri is right, motor insurance companies are a law unto themselves. They can just make up shit to make themselves more money when it makes absolutely no sense at all.

For example, if you don't use your no claims bonus for <x> years, it expires, or, some companies won't accept NCB accrued with other companies for some bogus reasons. It's all a ploy to make themselves more cash and when you do end up claiming they will try every single way to get out of it if they can.

As for YOUR insurance KingKong, think about it from the insurance company's point of view, you are:

Over 25.
Very inexperienced.
Riding a VERY low power 125cc.
Provisional licence.
Quoting a 600cc supersports of which the vast majority get smashed to pieces by owners JUST LIKE YOU.

They know that, statistically, the likelihood of you smashing your motorcycle up in a year is pretty high, as are the chances of you doing some serious damage to someone else and finally, the chances of it getting nicked are pretty high too which means in EVERY POSSIBLE WAY, it is VERY high risk for them.

Whereas, with a GSR600, it's got less power, more "commutery" type motorcycle that is generally owned by older people so is crashed a fair bit less and to top it off the bike even costs less. That means you as an inexperienced rider are much less likely to crash that bike than a GSX-R600 for many other reasons.

You've never ridden a 600cc supersports, or even a 600cc commuter I assume and the only road bike I assume you've ridden with you at the controls is a 14.6bhp R125.

You don't understand how quick a 600cc is, even a commutery one with 90-100bhp. It will get from 0-60mph in three seconds, 0-100mph in 5.5-6 seconds and on to a top speed of a real 140-150mph in no time at all, not only that but it will wheelie no problem, ESPECIALLY with a pillion on the back and that's just a commutery 600cc, supersports are even worse and this is the reason they are crashed so much. People ride an R125 and can flick it about and hammer the throttle because it has no power, think they are Valentino Rossi and that they are fully capable of riding (effectively) a superstock race bike.

If it's what you want, then go ahead and do it, however:

I would suggest you get a GSR600, Hornet 600, SV650S/SV1000S, Fazer 600 or something similar for a year or so first just to get your bearings and that way IF you do drop it it won't cost the Earth to replace all the fairings and such. That way after that year ior so you've got some decent experience under your belt on a bike which is pretty much just as quick and to be honest more practical as another problem with supersports of all sizes is that they 'will' you to go faster due to the body positioning and other factors which is one of the reasons more people get points on sports motorcycles.

At the end of the day, get what you want but it'd be a better idea for you to spend a year on a commutery 600cc getting experience AND a year of no-claims bonus so that way when you get the supersports next year, your insurance will be around £800-£1000 per year instead of £1600+.

Also, I found that because I got a 33bhp SV650S (Restricted licence) before my 190bhp GSX-R1000 I learnt how to ride smoother and quicker without having to use power all the time.

Hope that helps. !
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"Four wheels move the body, two wheels move the soul."
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.

[KingKong]

[multijoy]

CBR600F.

You'll get a decent example for a bit under a grand, if you don't mind getting a 98ish version. Not too peaky, pretty comfy, power delivery is well behaved possibly tending towards the dull!

If you must buy new, look at the SV650.
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'11 CBF1000A, '99 C90, '98 CB500
silky666: He rode amazingly well considering his bike is the weight of a small van and had slicks on.

[KingKong]

[multijoy]

Would you believe Camden dropped it before the tribunal?

The SV650 is great value for a new machine, but not everyone's cup of tea. Took it out for a test ride, was nice enough but didn't blow me away.

To be honest, I'd not bother with the 400s if you don't need to. There are more and better examples of the 600s.

It's an old saw, but cutting your teeth on a zxr600/CBR600f/thundercat is not a bad step to a big bike - they may be a decade-and-a-bit old, but they won't spit you off because you looked at them wrong, they're relatively cheap and do well in the insurance stakes.
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'11 CBF1000A, '99 C90, '98 CB500
silky666: He rode amazingly well considering his bike is the weight of a small van and had slicks on.

[0l0dom0l0]

[KingKong]

[KingKong]

[0l0dom0l0]

While 400's are good, 600's funnily enough tend to be cheaper when things go wrong as more people have them and spares are move available. Also 400's are the same price as the 600's also because more people are selling 600's which keep the prices low.

I'd look a thundercat if you want something like that. Good bikes from what I've heard and the insurance isn't unreasonable either.
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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.

[KingKong]

[0l0dom0l0]

Any 600 bike is going to be a big jump.

Even riding different 600's is quite interesting at times.

We've all done it at some point in our lives. If you do direct access then you'll go onto a 500 or similar which will give you a good stepping stone up to the 600. If you're doing a restricted test then restricting the bike isn't a bad idea as it does help to break you in gently.

Next step for you now though before you go buying anything and committing yourself is to pass your test and see how you feel after that. If you are old enough to do Direct Access then do it
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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.