Insurance prices.....just doesnt make sense?!?!?

[thepuma]

So....kinda set myself on getting a CBR250....almost bought one today but decided to hold fire and get some insurance quotes....

Fully comp it was £335

Then decided to see how much a 650cc ER6-F would cost....just out of interest...and to my amazement it was significantly cheaper at just £275.

It just doesnt make sense?

Both are faired bikes, both are sporty.....but why oh why is the 650cc one significantly cheaper?

May as well go for the er6f cos what ill lose in mpg ill claw back in insurance.

Rant over...
____________________
YBR125 (SOLD) - CBR250R(SOLD) - CBR650F(SOLD) Current - Street Triple
765 RS

[Groove]

Are we talking about the CBR250 of the 90's? The 19k RPM screamer?
____________________
|| Past: 1991 Kawasaki ZXR 250 ~ 2003 Honda CBR 600 F Sport ~ 2004 Kawasaki ZX6R B1H 636 ~ 1999 Yamaha R1 ~ 1999 Kawasaki ZX6R J ~ 2004 Kawasaki ZX6R B1H 636 ~ 1998 Honda VTR1000F Firestorm ~ K1 GSXR 600 Track bike ~ K6 GSXR 1000 ~ 2006 Speed Triple 1050 || Current: 2005 R1 https://www.adrucore.co.uk

[bikertomm]

Yes, you may aswell go for the er6!

It won't get boring as quick, and with the new laws I can't see 250's having amazing re-sale value.

I'd only get one if you wanted MPG for commuting, but even then.. nice to have a bit of fun!


____________________
07' Honda Hornet now full powaah! My guide on performing an oil change!

[thepuma]

[Tomzo47]

YBR 125, £700 TPFT
Bandit 650, £655 TPFT.
ZX6R, nearly £4000
Eh?
(I know, fucking expensive, I hate being young sometimes )
____________________
Ybr 125 > Bandit 650SA > GSXR 600 > Triumph Sprint St1050 > CB1300 > Z1000SX + FJ1200 (written off) > VFR750 >FJ1200

[Frost]

Someone doesn't sit down and look at your case individually, they just have a set of policies with various conditions that they can stick you on. they take your details then search their database to find which is the cheapest one they can offer you. So given the bike and the type of people who ride it your age especially it might be unsuitable for lots of their policies. But change the bike to one with a track record of fewer claims and you can get a better policy price.
Try getting insurance on a 1.2 litre car @ 17, you won't see much change from £3k because so many get crashed. But a friend of mine insured a big old mercedes at 18 for about £500 just cause the only people who ever drive them are retired bank managers

[P.]

Even the insurance seem to be working out that you don't need a 250.

Would have cost me £800 to insure a Ninja 250 in 2008.
Cost me £150 for a CB400SF
£157 for an SV.

[grant965]

insurance is very weird. To insure me on a hyosung gt 125 it is £670, to insure me on a '96 GSXR 1100 it is £400, and that was when I was 18.
____________________
Ex bikes: 05 Suzuki En 125, '98 Yamaha Thundercat, '08 Honda cbr125, '05 Kawasaki z750, '03 Triumph Daytona 600, '91 Kawasaki ex250, '03 Hyosung Comet 125
Current Bike: '02 Suzuki TL1000R

[pits]

I hear R1s are cheap to insure
____________________
Stinkwheel: You have no right to free speech
00:32:08 Blau Zedong: yes, i am a massive CB400 fan and collector
00:33:00 Blau Zedong: the CB400 is my favourite road bike

[Rogerborg]

https://i46.tinypic.com/1da3l.jpg

The more insurers try to get smart, the crazier they appear.

Brought to you by the same industry that won't give pillion cover on a Crosstourer because it's a "sportsbike", and says "You fitted an alarm? That's a modification, let's just multiply your quote by five."

Best you can do is to try and play the game. If they want you to get an ER6, maybe you should listen.
____________________
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

[TheSmiler]

Just be happy that you are getting such low prices, 21 1year ncb and a bros would be £450 tp. Cg125 is still £800 for fc .. insurance company wanted £750 just for tp.

If I had quotes like that I would be laughing.
____________________
CB125>CG125>GN125>ER5>K100RS>R1100RS>K100RS
A2 completed 23/07/15 Ready for the Golden Crisp Packet

[covent.gardens]

[Polarbear]

My wifes ER6 is a stonking bike. Way better than a CBR250. There is no substitute for cubes
____________________
Triumph Trophy Launch Edition

[shereen]

Just bought a new car, adding my partner who has 9 points on his license plus 2 accidents lowered my premium by £100.

Yet adding my mum to the policy only lowers it by £15, she has been driving forever no points and no claims.

I really don't get that............
____________________
"The Internet is the first thing that humanity has built that humanity doesn't understand, the largest experiment in anarchy that we have ever had"

[shereen]

Double phone post! Sorry.
____________________
"The Internet is the first thing that humanity has built that humanity doesn't understand, the largest experiment in anarchy that we have ever had"

[Turkish]

[thepuma]

[arry]

[Vracktal]

Yeah I found this as well when I look for insurance....

For a '98 ZXR400 i'd have to pay £375, but for my '93 KLE500 it's £98.

Whatever algorithm they're using, it sure doesn't seem to work by any logic I know of....

[Noxious89123]

I swapped my 1.3 Ka for a 1.8 Astra SRi and my quotes went down by about £200 Oh insurance, you so crazy.

The fact I could insure a CBR600F for £150, but the car cost me about a grand always used to puzzle me. The bike was more valuable, more nickable and far quicker.
____________________
'06 Honda CBR125RW-6 ~ '00 Honda CBR600F-Y ~ '07 Honda CBR600RR-7 ~ Bikeless
'53 Ford Ka 1.3 ~ '03 Vauxhall Astra SRi 1.8 ~ '52 Vauxhall Astra SRi 2.2 ~ '53 Vauxhall Astra GSi

[J.M.]