Cheap insurance for a 17yr old wanting a NC30

[paulodd]

i got a quote from carol nash fully comp for a 93 VFR400 NC3O at 17 for £460, and thought it was too good to be true, rang up today and they said they could not quote anyone that price. so now im back to the drawing board. before i get the bike i want to know what the cheapest insurance will be. Is there anyone who has cheapish insurance on that bike around my age? or know of a cheap insurance company?

Paul
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Paul
1999 Yamaha R6
www.coventrybikers.co.uk / www.norfolkriders.co.uk

[Ste]

Step 1: Buy Bike Trader
Step 2: Phone every company in the back to get an insurance quote.
Step 3: Call back around the cheapest few asking if they can beat the quote you have of £x
Step 4: Repeat until none will go any lower.

Or Danny will do this for you, see his insurance finding service thread.

[instigator]

hey paul.

Phone CIA insurance. Or get a quote on their website(google for their name, I can't be arsed giving a link)

When you're asked for your cheapest quote on the phone, LIE.

Tell, them its about £150 cheaper than your cheapest one. Usually they'll beat it, they're desperate for sales.

[stinkwheel]

Well at least they are better than the response I got when I passed my test at 17 and bought a 375 bigbore powervalve.

The first few conversations went something like:


'Yes, it is a 1981 Yamaha 350YPVS with a 375cc conversaion kit and micron exhausts."

"One moment please sir."

*silence... sound of hand going over reciever.*

*muffled spluttering of laughter.*

"Jim...Jim, check this guy out. He is 17 passed his test two weeks ago and wants us to insure him on a Stan Stevens powervalve!"

*More barely controlled laughter*

"Right, quiet, quiet! Shhhh."

"I am sorry Sir, we are unable to offer you a quote on that vehicle"

I eventually twigged and just lied to them that it was totally standard. Which I suppose meant I wasn't really insured. They still charged me £420 TPO though (and this was eight years ago mind!)
____________________
“Rule one: Always stick around for one more drink. That's when things happen. That's when you find out everything you want to know.”
I did the 2010 Round Britain Rally on my 350 Bullet. 89 landmarks, 3 months, 9,500 miles.

[Frost]

At that age it will be arounf £700-£800, less if you have a year NCB, more if you live in an innercity

[paulodd]

thanks for the tips, i'll give them ago! lol, thats a good little story stinkwheel, they were a little ruder than i stated. the man said i think you must of herd wrong and that it wasn't them that quoted me that price, even tho i got the quote the same time i informed them i had passed my test. o well


Paul
____________________
Paul
1999 Yamaha R6
www.coventrybikers.co.uk / www.norfolkriders.co.uk

[AcIdBuRnZ]

If they did quote that price, and you got a quote reference number, then they must honour it.

If not, grab the phone book and start looking for 'Trading Standards'
____________________
Past: Honda NSR125R >> Kawasaki ER-5a2 >> Kawasaki ZZR-600e1 >> Suzuki GSXR-750Y >> Honda VTR 1000 Firestorm
"Chickity China the Chinese Chicken..."

[kasandrich]

^^^ Acidburnz, do you mind me asking your age and how much you pay for insurance on the ER5 and who with, as my Son has just bought one in preparation for his upcoming 17th.
____________________
Richard

CBR1000FM

[CBRPETER]

Just get Danny to do it, he's an expert from what i've heard.
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Shes my life, shes so rad and shes the best ride i ever had!!

[Ste]

The company who worked out cheapest for AcIdBuRnZ will only work out cheapest for your son if he is the same age, has same amount of NCB and lives in same postcode as AcIdBuRnZ.

You just need to call around lots and lots of insurance companies then play the cheapest few off against each other. Fair enough it will take a few hours but it will save you a few hundred pounds so it's a very financially productive few hours.

Or as said, you can get Danny to do this for you.

[kasandrich]

Thanks for your help guys, that is why I asked Acidburnz his age, and at least it will give me a good idea of a target price, (subject to postcode of course)
____________________
Richard

CBR1000FM

[Ste]

Get a quote from www.clickquote.com and you'll be able to get ~20% less by phoning around and haggling.

[kasandrich]

Clickquote is quoting £468 TPO
____________________
Richard

CBR1000FM

[AcIdBuRnZ]

For your information:

I'm 22. 1 years NCB. 3 penalty points and 1 accident (both in car, I must add ). I'm in a small town - low risk area. Bike is immobilised and Datatagged.

I'm paying £190 TPFT with Equity Red Star via Direct Choice (brokers)
____________________
Past: Honda NSR125R >> Kawasaki ER-5a2 >> Kawasaki ZZR-600e1 >> Suzuki GSXR-750Y >> Honda VTR 1000 Firestorm
"Chickity China the Chinese Chicken..."

[jonboy]

This is a decent list to start from:
https://www.insurancequotes.org.uk/insurers.php

[Gazdaman]

Equity red star have come up cheapest on quite a few quotes I've tried.



Gaz

[mchaggis]

[jonboy]

CIA did it for me, by far.

[madbikerbabe]

try "hastings direct"....dont know what there like for young people but i get cheap insurance with them ...worth a phone call

[AcIdBuRnZ]

[mchaggis]

Hrm, I couldn't get a quote for me or my brother from them, without saying it was garaged. Oh well, I was wrong; I used Direct Choice to get to ERS, perhaps it's a specific thing to them.
____________________
I must not be a troll...
Mmmm, Guinness
Discovering the delights of Hammerite and a 3/4" brush.

[DynaMight]

Motorcycledirect, directchoice can be quite good. They will happily insure my gf (21yr 0NCB) for £105 TPFT on a NC30.

Also try Cofield, They were happy to haggle when I called them (£500 cheaper than anyone else)

When I was 18 with my NC30 I paid just over £800 TPFT but insurance on Grey imports seem to have come down loads recently, If I was you I'd be happy to pay anything around £800, It'll drop by about 25% with 1yrs NCB

[AcIdBuRnZ]

[AcIdBuRnZ]

[mchaggis]