insurance quote stupidity

A Biking Ferret · Derestricted Danger Joined: 07 Jun 2012 Karma :

anyone else had this problem?
i checked insurance prices for 600cc sports bikes seeing as ive now gotten myself a cushy 2k a month job. i put down my details and said id passed my license. the prices i got are:

2003 cbr600rr = £7800/500 excess
2003 yzfr6 = £9200/500 excess
2003 gsxr600 = £674 / 400 excess

i want to know how it could possibly be such a far cry between these bikes or if its a glitch. anyone else had this issue?
i mean theyre all rough same bhp and year wtf?!
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xr125; deceased . cbr125; close enough . cbr600f3; ooh yeah.
Life should not be a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside in a cloud of smoke, thoroughly used up, totally worn out, and loudly proclaiming "Wow! What a Ride!"

mic · Brolly Dolly Joined: 09 Sep 2010 Karma :

how old are you? 12?

A Biking Ferret · Derestricted Danger Joined: 07 Jun 2012 Karma :

Tbag · Spanner Monkey Joined: 29 May 2012 Karma :

A Biking Ferret · Derestricted Danger Joined: 07 Jun 2012 Karma :

You really need to get your test's done before January.[/quote]

september. dont worry im getting it done before then.. im not waiting till i turn 24 to get on a decent bike, im sick of 125s it makes the commute a chore
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xr125; deceased . cbr125; close enough . cbr600f3; ooh yeah.
Life should not be a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather to skid in broadside in a cloud of smoke, thoroughly used up, totally worn out, and loudly proclaiming "Wow! What a Ride!"

Tbag · Spanner Monkey Joined: 29 May 2012 Karma :

ThoughtContro... · World Chat Champion Joined: 14 Aug 2008 Karma :

kernow24 · Crazy Courier Joined: 15 Jun 2011 Karma :

It's their way of saying piss off, there's no way in hell
we are going to insure a 21 year old on 2 of the most
crashed bikes in that age group.

The fact they are the same power output as the gsxr,
is irrelevant, based on their data, a 21 year old on one
of the other two is a massively high risk.
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Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

Yup, those are "do not want the business" quotes. They won't actually refuse to quote, since they also ask you to disclose if you've ever been refused insurance.

The Gixxer isn't exactly a bargain either, you'll want to start fiddling with the factors to see if you can get that down a bit.
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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

A Biking Ferret · Derestricted Danger Joined: 07 Jun 2012 Karma :

Flamzypants · Nova Slayer Joined: 07 Jul 2011 Karma :

I just insured my CBR 125 07, granted not really in the same range as yours but I originally wanted TPTF - cost was £450 but with a £900 excess and the bike was worth £950 o_0. Had to settle for just TP and a lot of chains and alarms. Insurance brokers are a bit touched in the head.
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CBT - 30/06/11. RIP Sinnis Stealth 18/07/11. Theory passed! CBR125R 16/08/12. Mod 1 Booked.

Craig321 · Borekit Bruiser Joined: 20 Aug 2012 Karma :

It's because they're all sports bikes. I've been getting quotes for a Honda Hornet 2005 I've been looking at recently and it's around £400 TPFT for the year, which isn't bad at all (especially when you compare it to a car). I'm 21 and have had my licence for 2 weeks. I do have 1 year NCB from my 125 which helps a bit.

Maybe you'll have to go for something a little less sporty? Neutral

Joncrete Cungle · World Chat Champion Joined: 31 Jan 2012 Karma :

Try getting quotes for the same bikes, but older models from the 1990's. Or get some quotes for a Hornet, Bandit, SV650, Thundercat etc.

Turks · Nova Slayer Joined: 20 Jun 2011 Karma :

I just paid for TPFT on an '08 ZX6R, cost me £1000 Shocked

and thats being 21 with 1yrs NCB. To get it down, try going from 10000miles to 9999 for instance or only getting say 5000 miles and then putting more on later on in the year and paying the admin fee... Having a thatcham approved lock etc. Im surprised the GSXR was that cheap, seems like a system error. I would personally check it over the phone to make sure it doesn't void your policy. About a year ago I was trying to do the same as you and insurer after insurer said it was pointless trying to get a 600 being under 25 without a years NCB.

Insurance is an absolute ball ache but a years experience on a smaller machine is worth it.
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