upgrade insurance or wait?

[Tomzo47]

hi guys, I'm planning to take a full inclusive course soon which includes all test fees, and when i pass my full test will I have to contact insurance and pay a fee to tell them I've passed? (which is stupid as I'm effectively proving I'm a safer rider, daylight robbery insurance is) After I've passed I'm thinking of buying a Bandit 650s, which is about £750 TPFT with a years no claims, but is it worth staying on the YBR until august so I have a no claims bonus or upgrade my current policy to the Bandit?
Has anybody else done this and have any suggestions?
Cheers
Tom
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Ybr 125 > Bandit 650SA > GSXR 600 > Triumph Sprint St1050 > CB1300 > Z1000SX + FJ1200 (written off) > VFR750 >FJ1200

[anthony_r6]

As far as I'm aware, you don't need to tell them you've passed.

I passed in August, sticking with 125 for 1years ncb and then getting a bigger bike. They may chage you a lot to change bike on your policy - bigger bike, more power/speed = more risk?
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Ted : "Maybe he's agoraphobic."
Dougal : "Jack scared of fighting? I don't think so, Ted."

[chris-red]

Yes you need to tell them you have passed, it would probably be cheaper to get a new policy them upgrade your 125 policy.
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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.

[MattJ]

I passed my test last August and rang the my insurance company from outside the test center. They didn't charge me anything, just changed my details on their database. However I have heard of insurance companies charging a fee too. I think it just depends who you are with.

If I were you I'd take your tests and get the bandit. I've waited months to get a years NCB but I don't think it's been worth it really. It's saved me a lot of money but you will be riding in the summer on a YBR 125 instead of a Bandit 650. And I bet all the time you'll be wishing you were on a bigger bike. With me, I've only been riding through winter on my CG so I've not been too bothered, but had I passed my tests 6 months earlier like you are planning to, I would have been itching to get on a bigger bike to take full advantage of the summer.

If you can afford it, do it now. Especially with the test changes coming up next year.

[Tomzo47]

I'm determined to pass before January next year before all the new changes, and i don't mind paying £100-£200 to upgrade my insurance, so long as its for a couple of months, but if its more id rather save the money to spend on the bike and stick with the 125 a little longer, it'd be nice to have the opportunity to take a little tour in the summer on a Bandit though...
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Ybr 125 > Bandit 650SA > GSXR 600 > Triumph Sprint St1050 > CB1300 > Z1000SX + FJ1200 (written off) > VFR750 >FJ1200

[Rogerborg]

There is no single correct answer, it entirely depends on your insurer and your situation. Sorry, but you're going to have to find out yourself.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[DaveB]

I passed in October, told Ins Co and they charged me £73...That was the robbing bastards known as MCE though.
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Mod 2 passed 26/10/2011
Current ride: 2014 Triumph Street Triple R. Previous, 2007 Triumph Daytona 675, 2007 Triumph Street Triple, 2011 Derbi GPR125r.