Supersport Insurance

[Turks]

Since last August (purchase of my first bike - CBF250), I've been putting away every penny I could get my hands on. I managed to save up around £2600, things were looking bliss. Then, 2 weeks ago, I had a non-fault accident, an oncoming porsche pulled right across my lane and threw me into the windshield, the bike was marked as a CAT C write off. I've just got a placement which should earn me a bit more money until late summer, when I plan to buy a big bike. With a final settlement plan and more earnings, I'll have at least £5000 to buy my dream bike (inc. ins.). I've sat on basically every 600 out there and settled on the 2007-2008 ZX6R. However, when I went to go through an insurance quote, I was getting quotes of £7000-10000... with the call operator stating I needed at least 1 year NCB and be 22 before I even consider insuring a Supersport 600 of that age.

So question is, are there any (faired) 600s are out there that won't cost an absolute fortune to insure at my age?

Age - 21
Licence held for 1 Year
1 Non fault Claim

Does insurance change drastically depending on the season?

Cheers
____________________
CBF250 '04 - Written Off
CBF250 '07 - Previous
ZX6R '08 - Current

[DrDonnyBrago]

The older and less sporty the better, I seriously struggle to see the point in expensive bikes when older, cheaper bikes are so good.

Try a 99-00 or 2001+ CBR600f.

I have a 2001 - excellent bikes that can be had for less than £2k. I insured mine as a noob for £600 FC. Can do anything on them, scratch, commute, tour, trackdays etc - can't recommend them enough, especially as a first bigger bike.

Insurance prices change depending on what the underwriter had for lunch that day or when he last scratched his balls, there isn't an awful lot of sense to it.

[Jayy]

£10,000 is normal, just pay it.

[kevotore_75]

yzf600r Thundercat, cheap on insurance and look pretty good, pretty cheap to buy too... Or as somebody else as said a cbr600f or an older zx6r maybe
____________________
Theory passed 7/3/2012 Mod 1 21/03/2012 Mod 2 16/04/2012
Yamaha Thundercat yzf600r

[neatbik]

Triumph TT600/Daytona 600/650.

[Benson_JV]

Another shout for the CBR600F

I use(d) it (before the insurance shot through the roof!) for scratching and commuting through the worst of the winter (up until feb) and it did both absolutely perfectly, I'd love to take mine on a track to really test it (although the M5 fills in fairly well at 3am...)

Great bikes, should be cheapish on the insurance and do everything well.

Edit: Also, they crash really well. Mine highsided me into a bush at 45ish and it cost me about £60? (Using OEM parts) minus £45ish for the double bubble, I just put the standard screen back on.
I believe DonnyBrago had an incident near a roundabout and the CBR was a fairly easy/cheap fix? Or am I thinking of someone completely different.
____________________
Willson - "If you go out on that CBR600 in the winter, you're going to do more miles on your side than on your wheels."
Riding: CBR600FW Driving: Audi A6
Previous Bikes: '96 Bandit 600, '96 GPz305

[DrDonnyBrago]

[Rogerborg]

[MaybeGuy]

You don't lose your NCB if there's a non-fault accident... If you cancelled your policy you're a bit of a tard.

And the 05-06 bike has better clocks
____________________
Blue_SV650S wrote: it was a sh1te wheelie, but it proves that he can get it up in 3rd and can do angles. In summery, mattsprattuk is a gobby little sh1tebag, dopehead tw4t, but sadly for all of us, he probably isn't THAT full of sh1te!!
Kickstart wrote: Hi I tend to agree with Matt. All the best Keith

[0l0dom0l0]

[Turks]

Thanks for all the replies. Looks like I'll definitely have to rethink my plans. Originally I was looking at getting the CBR600FS, so this may again become an option.

[Acemastr]

non-fault, you have to declare it but nothing else happens.

I had a CBR600F at 21, £485 TPFT 1 year no claim

2006 CBR600RR at 22 was £700, at 23 it was £575.
____________________
2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited

[totalllama82]

[Paulington]

As has been said, look at other bikes.

Look at bikes like, Suzuki SV650S (Fully faired version), Yamaha YZF600R Thundercat, older (1998-2004) ZX-6R, Honda CBR600F.

Out of interest, why MUST it be a faired supersports 600cc? A naked 600cc like a Hornet will keep up with a faired 600cc all day long through the twisties and on the straights up too up to 120mph or so, plus they are a lot comfier and will only be around £500 for you to insure instead of £10k. Heck, why not look at a Street Triple? They are lovely things and bloody quick too.

I was like you to begin with when I was 17, wanted a GSX-R600 as my first big bike but my Dad talked me out of it and got me a YZF600R Thundercat instead and as I've said in a previous thread, I fell in love with it. Just as quick, just as much fun, however, a LOT cheaper to run, insure and was darn comfy.

I guess you only want them faired for aesthetics, yes? In that case, try and get your head out of that mindset for a while if you can. Why not get a naked bike worth say £2k or so, ride it around for a year, get used to the power of a 600cc as naked bikes will still have 80-100bhp or so and then when that year has passed you will have your no-claims, be a year older and your insurance will drop accordingly.

However, more importantly, you will have gained experience in riding. Jumping from a CBF250 to a 600cc supersport will surprise you when you hammer that throttle for the first time and it's better to learn on a more forgiving bike and when talking about supersports 600s, there's nothing that even rhymes with forgiving.

There are faired bikes out there that will be less to insure, but they will all be a fair bit older. Like my ST1100 Pan-European, that's a 1998 bike, fully faired, 110bhp, will easily keep up with supersport 600s with a decent rider on yet only costs £300 per year to insure for people my age because it's a sports tourer.

Forget about getting a proper supersports 600 unless you actually want to dish out that much for an insurance quote, try and find something a bit more forgiving, more new-rider friendly with less 'R's in the name and more 'sports-tourer' such as the bikes listed above and your insurance will drop instantly down to <£800 or so, get your experience and NCB on that, then sell it for what you bought it for and get the superbike of your dreams. !
____________________
"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.

[Sako]

have you looked at a K1 - K3 GSXR 600, more than capable bikes that are lower value now (up to aound £2600), and they will be plenty fast and look pretty nice too, with the benefit of lower insurance.

K1
https://www.auplusmalin.fr/uploads/photos/file-15842.jpg

[TUG]

get a CBR600F, cheap as fuck insurance over what ever the fuck your after...
As for insurance of what you stated, after i had my accident with a BMW driver doing much the same. My insurance for a SRAD cost me around 1500 after quotes of £20000.
Its because your fresh on the system for making a claim thus making you likely to claim again.
____________________
Haz ER-5, innit!

[Turks]

Thanks again for the replies,

I rang my insurance up and they confirmed I wouldn't lose my NCB as long as I took another bike out on the same policy. Apparently they'll let me know how long I have to do that.. So in the market for a cheap-as-chips 33bhp until late summer. Whats the best 33bhp bike on fuel? I don't want to get another 250 due to next years regulations.

[plugger147]

Cheap Insurance faired 600 the thundercats a good option or there's one of my favorite bikes I've owned although looks are questionable the zzr600. More comfortable than my cbr was, handled better than my vfr did and if I had to go on a long run tomorrow then I'd take one over the xjr12 I have now but it is sports tourer more than supersport....
____________________
Tristan the wrote: just whipped off my trousers to find a big bruise on my arse, caused by matt rear ending me...

[L-Jam]

Unlucky on the quotes haha, I remember those horrible days.. it costs me £300 to insure my gixxer 750 k7 and I'm 20 with 3 years NCB.

Get a cbr600f, fast as fuck whilst being forgiving.

I would happily have another, and I love love love supersports.
____________________
Journalist, student, egotist.
Click here if you're a young biker, wondering what to do after a moped/125!
Skp 50 --> GS 500 --> CBR600F with custom HRC paint jobby --> GSX-R 750 K7, beautiful!

[G]

Are you declaring an unresolved claim?

If you are, that will drastically put your insurance premiums up.

My first sports 600 was a ZX6R J. There's two sides to this - the less-hardcore bikes certainly can be as fast pretty much - it generally is down to rider skill.
But some of the sportier ones let you go fast with very little effort, while you have to 'work' more on others. However, generally that's actually less true of Kawasakis.

As you mention 'call operator', have you only tried one place?
Try one of the comparison sites for bike insurance. Remember to give fake contact details, especially if it's "The Bike Insurer" as they will sell your details regardless.

[_Troy_]

Have you tried a quote in an older ZX6R?

I got mine when I was 23, with absolutely no no claims and insurance is around £600. Its a 1999 G2 model, it looks the part and keeps up with everything I've come across so far.
____________________
Current bike: ZX6R J1
Previous bikes: CLR 125 | GS500 | ZX6R G2 | SV650

[Dean-J]

Thundercat is the clear winner imo. I CANNOT get insured on a CBR600, GSXR600,NInja 600 Etc etc etc ( at 26 years old, due to a criminal record that has nothing to do with biking/driving - go figure?!) But my insurance on the Thundercat is £500.

It is more than capable of keeping up with the likes of Gixxers/CBR rr's through the twisties, and even on the straights we aint talking that big a gap on full throttle. Will exceed a real 150mph ( 160 and a bit on the clocks) if thats your thing, and the brakes are phenomenal.

Looks more like a 750/1000 than a 600, and fairings give awesome wind protection, and Perfect for the larger rider ( im 6 foot and 15stone ).

I was considering both bikes initially, but from what i could gather, a ZZR600 is just like a thundercat, except not as good. Thats not just from Tcat owners, but also from a number of ZZR owners who have ridden Thundercats!

Then theres the looks.....

Thundercat:

https://i448.photobucket.com/albums/qq205/deangte/20120216_161243.jpg

ZZR:

https://i448.photobucket.com/albums/qq205/deangte/jelly.jpg

[G]

More accurately :

[Turks]

[G]

An unsettled claim tends to bump the premium more than even an at-fault claim, as it could end up in all sorts of nasty ways.