When does the Insurance drop on Sports Bikes?

[Andy J]

I suppose I can't expect anything different being almost 21 with only 1 years no claims, but daaaaamn.

Literally for TPO with any of the 600cc range it's at least £1800 a year.

The naked bikes at that cc range are a completley different story. Street triple for example is about £750 etc.

I'm not too fussed, and I don't want to jump onto something that powerful straight away anyway, but might do in 2-3 years time. I sense I won't get a reasonable deal on anything like that for at least 4 years though . Like I said, not that bothered just didn't expect it, there's plenty of great choice for years ahead around.

Is being 24, or 3 years no claims that big milestone etc?

[Moo.]

Im pretty sure its 21 and 25 that are pretty awesome milestones.. im just about to hit the 3 years no claims milestone... Its not that awesome :/ kinda been negated by the fact insurance has gone up..

Naked seems to be cheaper, im getting quotes of around £800 for a cbr600f insured at kingston (19 years old) Or £400 for a cb500 tpft
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A2 Passed 18/6/10

[Frost]

27 years old, 4 years NCB, SV650, £68 per year TPFT.

21 is to biking what 17 is to cars. So getting a litre bike at 21 will be stupidly expensive. It also depends on where you live.
Try a site like confused.com and check quotes from loads of places, some charge a fortune. I remember when i got my first car Norwich union wanted £2900 TPO. I hunted around and eventually went with Tesco for £670

[lydanial]

its cheap when you are to old to ride a sports bike!

[UnspeedySam]

I hope it doesn't take until I'm 25 (3 more years) before I can get a sports bike. Maybe I'll be able to afford an older ZX6R sooner rather than later. Not exactly uber-sporty but better than my ZZR...
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[wilz1234]

At 18 with 2 years no claims it was around 700 on a zx7r for me, so i wouldnt have thought you'd be waiting long
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RS50 - ZXR400 - ZXR 400 - ZX7R - Bandit 600 - NTV 650

[UnspeedySam]

[KLR600]

I don't think there's a magic age when it comes to insurance price dropping, there's too many other factors at play.

I've had my bike license for 8 years now and my insurance is up for renewal next month. I just ran a quote for my bike (ZRX1100) with no security listed, parked on the driveway in a Manchester postcode and it's come back at £190 TPF+T with full breakdown cover, EU riding and riding other bikes. I'm 25 now but I haven't paid more than £400 for bike insurance ever and I've got 8 years NCB to play with at this renewal.
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[Wafer_Thin_Ham]

Mine's never been silly expensive. Certainly never as bas as these youths complain about.

Had a Mille at 19, that was £550 TPFT. Have a 954 at 23 and that's £500 TPFT. Not cheap, but certainly not daft money.
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[Andy J]

[firefox]

22, 6 years ncb, k7 gsxr 1000, 143 fc
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[Scythe]

[binge]

Depends on the bike.

At 18, I passed my test, got a 1990 NC29 Honda CBR400, and insurance was £300~ for the year.

Between then, and when I turned 20, I had a few more Honda 400 sports bike, ranging from 1990 - 1995. All around the £300 mark.

Then I got a 2001 Suzuki TLR1000 when I was 20/21. And insurance was £350~.

Then I got a Bandit 1200, insured with no NCB because I had a smash on the TL. At only £330~

Then the YZF450, again, at around £300 for the year.

And now the Yamaha 98 R1, insured at £364 FC, with every type of cover available, helmet, leather, break down etc etc.


I think it depends on the bike.

When I was 19, I rang up to get a quote on an 02 R6, and the quote was over a grand.





Ben

[firefox]

insurance quote on a k5 600 though.... 1856.40

[Fizzer Thou]

I am not going to say exactly how young I am but my R1 is £97 TPFT,the Exup is £52 and the two dirtbikes £107.

But then my car is just over £200 FC
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Just talk bikes.What else is there?

Always have a 'Plan B'

[Moo.]

Prices have gone up in the past few years though, so a £300 quote 3 years ago won't be that today
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A2 Passed 18/6/10

[0l0dom0l0]

Friend who was 20 with 3/4 years ncb got quote £350 for a zx10r.

I'm hoping mine will come down soon. 19 this year with 3 years ncb so Imight start being able to insure sports bikes for sub 1k but I'm not to sure.

Most naked 600's are around £500 which isn't fantastic 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.

[TERRYREBEL]

33 years old gsxr 1000 3 years no claims £160
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Did have a Bandit 600 now i have another 1 lol i love the bandit

[Andy levitt]

Mines not been too bad. Had an 2000 R6 at 18. That was £550 TPTF. 2008 R6 at 19 was £850 TPFT and now 22 2010 Fireblade £800 with a VFR400 on the same policy TPTF.

I think on 600 & 1000cc sportbikes its highish but stays stable if you continue building your no claims. The quote for the R6 stayed the same when i turned 21 and couldnt belive that a newer fireblade were cheaper!

Insurance companys can be crackers at times

My mate (same age) pays £1800 for a fazer 6! Abit of shopping around makes a whole world of difference.
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[EXC-Rider]

im 18 and looked at an R6 and it was something like £4,000, But my Hornet is £700
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[Aikman666]

£100 for my Hornet at 22
That is fresh of the comparison site too;
Seems they are only pushing up premiums for certain types of bike?
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[Wave2k]

There wasnt any huge drop for me at 21 or 25 unfortunatly.

Just a gradual drop year to year with increased experience and NCB.

HOWEVER

Insurance has gone up ALOT in the last 2 and has seen my insurance GO UP, regardless.
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[ceekay]

Dont forget, these quoted premiums are largely arbitrary.

It's important to remember that so many other factors are at play. Admittedly, age is a biggie but postcode is another massive one. I'm not going to list them all as I expect a quick google on the site will show it's been covered in great detail here already.

C


[I used to be an insurance underwriter]

[Recluso]

Think it depends on the bike.

At 26 I'm paying £330 FC on the Diversion and that's with 4 years no claims. That price was the same whether naked, part faired or full faired.

However, if I looked at a brand new Honda CBR600F I was looking at around £900 FC.

Has definitely increased the last couple of years though. I went from paying not much over £100 to FC my 125s to £200 or so.
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[scorps]

Im an old git the gsxr750 is 120 fully comp with extras bunged in, I just added a cruiser to the insurance and my policy got loaded with the princely sum of an additional £15.75 with six months left on this years policy.
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