two bikes, two insurance , is it wise?

[stranger12]

hi all ,

i have a discussion going on , on the topic of choosing my next big bike. at the moment i have a sym 125 and have paid around 500 pounds to insure it for a year and £15 to tax it for a full year. It is brand new so no mot

However, as I would love to get my hand on a bigger bike , I am planning to get a big bike . Currently trying to choose between sv650 and fz6( think FZ6) will be the winner.

My questions are as follow :
1. Are there any multi bike insurance around ? I am 24 with 5 years NCB on car and hopefully 1 year NCB on bike next year March.

2. Do you think I am being stupid by keeping two bikes thus two tax, two insurance and etc ?

3. Is the maintenance cost of a bike big significant ?

4. Any other things that I should be aware of

Many thanks in advance to all replies

[Kradmelder]

I have two bikes and pay 2 x insurance, 2 registrations every year etc. sure it costs more.

The real question is: do you want 2 bikes for 2 different needs and can you afford it?

You obviously want 2 bikes for 2 purposes. Your little toy for commuting and a bigger bike for fun.

The bigger bike will cost you more to commute if you only had that.

The savings on running costs on the small bike wont equal the expense of insurance, taxes, depreciation of the big bike.

Certianly your expenses will increase as you can only ride 1 at a time and insurance and taxes are the same now matter how much you ride.

It isnt a financial decision really. It is what you want. Riding is for fun. I wouldnt see riding a toy as fun, and I dont need to worry about saving money. So I have 2 big bikes.

Get the big bike. In time you will sell the 125 as surplus to needs. It will be too boring.


You will want to take a pillion, go away on trips etc. The bigger bike will be more versatile, at the expense of a bit more on running costs.

Go for it. You can wake up each morning and ask yourself which bike should I ride today, like a polygamist asking himself which wife should I screw today . Or you can see it like I do, as one is the wife for day to day run around, long trips, and comfort, and one is the mistress for a wild sexy romp. And neither mind sharing a garage nor get jealous

Far better situation to be in than the ou on his 125 counting his pennies and having to ride the same old tired breaking down bird.
____________________
2011 KTM 990 Dakar
2009 BMW 1200 GS

[stranger12]

i am tired of my 125 as it is slow struggling to pick up and can say i am beaten by almost anything that has a wheel , whether it is 2 or 4. Maybe i could beat a 2 cylinder car or a 3-4 ton van but thats about it.

i am quite heavy ( around 20 stone) and sometime have a pillion with me and can see that the bike is really struggling on picking up/braking

the thing is because my bike is new , i don't want to sell it as of it as i bought it for around 1600 and now have to sell it for around 900 or less so might as well use it

what is the running costs on a big bike ? is it high? is it just oil and sparks and how often ?

thanks mate

[Kradmelder]

[map]

[Matt B]

1. Hastings do a multibike policy, I use them - phone and get a quote

2. Not stupid having 2 bikes, many people do. I have an FZ6 that is my usual runabout and the bike I used when I was instructing, and a ZX7R for trackdays and sillyness.
Different bikes for different things.

3. Maintenance depends on the bike and your skill, how much can you do yourself? How bothered are you about taking it somewhere for a service to get a stamp in the book?

4. I think having 2 bikes is fun if they are different enough to make it worthwhile.
____________________
stinkwheel: He had an animated .gif of a cat performing fellatio. It's not socially acceptable. It can have real life adverse effects on other people.

[map]

[stranger12]

got few quotes from them and ebike and all turned out to be expensive

at the moment i am with mce and looking at gocompare the cost of insuring my sym next year after having 1 year ncb is around 300 . i will be 25 then

cost of insuring fazer is the same around 400ish

so if i insure then separately it would be around 800 or less but hasting quoted me ( £700 ) for my sym or 1200 for fazer , silly money

the thing is I can only use the NCB on one bike so my sym would be around 400ish and my fazer 400 with 1 year NCB this adds up to 800 as mentioned above, do you guys think that multi bike policy can do any better ?

[Kradmelder]

[stranger12]

makes sense

I am not looking for a cheap mean of getting from A to B . But i am also a car enthusiastic and have 2 cars( 1 been on sorn) so i am struggling to justify cost of 1 car and two bikes if i only use one of them at any one time for short distance travel

i think will still get the 650 like sv650 or fz6 but maybe after selling my 125 or don't know maybe keep them both