Age 17 insurance.

[perri1996]

Anyone know any good tips I can use/do to lower my insurance at 17? I have been riding a 50 on L plates since June 2012 but my bike was stolen December so I won't have one years no claims until December coming is it worth waiting until then? My cheapest quote on a WR125x
Yamaha was £2,500
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Current Bike : Honda CBF 125 Old bikes: Derbi Senda Xrace/ Derbi Senda Xtreme.

[nowhere.elysium]

Buy something that's less obviously a thief-magnet. Anything old, and not supermoto/crosser-shaped. Wait until you've got a big bike before buying anything pretty, because it's really just all show and no go when it's a 125.
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'10 SV650SF, '83 GS650GT (it lives!), Questionable DIY dash project, 3D Printer project, Lasercutter project

[perri1996]

Any bikes you can suggest? :/ and thanks
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Current Bike : Honda CBF 125 Old bikes: Derbi Senda Xrace/ Derbi Senda Xtreme.

[Rogerborg]

There are no good 125s, because they're all so easy to nick and tend to be ridden by crash merchants - not you, other 17 year olds

Think more like a Honda CG or Yamaha YBR though. Maybe even a Suzuki Van Van or Honda Varadero, they might be slightly more likely to be ridden by Careful Now types.

But really, you've going to have to just hit up the comparison sites and try out different bikes until you get a sweet spot.

Presumably from your theft experience you know that it's far better to not have a bike stolen in the first place than have to claim on it and get raped on excess and premium hikes?

My policy is to buy bikes that I can afford to lose. There's no way I'd claim on anything worth less than £1K, and that's taking into account that I'm a geezer with low premiums. At your age, its barely worth claiming on anything.
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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

[perri1996]

Bike was worth £1000 and I got £1500 back thats why :/
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Current Bike : Honda CBF 125 Old bikes: Derbi Senda Xrace/ Derbi Senda Xtreme.

[FireStorm-X]

[Ollie1995]

Mines £435, no NCB
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XR 125, DT125 LC, Greeves Scottish, RS200, XS400, GPX600r

Theory Passed - 18/7/13 MOD1 Booked - 24/9/13

[perri1996]

[Digsey]

as above a Honda cg.. no one will even think about nicking it. I had one for 4 months before my nsr, they go from a to b. there's a decent one on ebay for £900 if this helps. There bulletproof. but don't expect to go fast on one.

https://www.ebay.co.uk/itm/Honda-CG125-LOW-MILEAGE-Motorbike-Red-/161027020549?pt=UK_Motorcycles&hash=item257df55705

[CG Sam]

[Digsey]

[perri1996]

All good points guys thanks for the help. I was looking at the YBR and CBF I want something that won't get my laughed at by my other riding friends xD so CBF or YBR would be ideal
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Current Bike : Honda CBF 125 Old bikes: Derbi Senda Xrace/ Derbi Senda Xtreme.

[Doovy]

I quite like the Yamaha SR125.
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Yamaha RXS 100 > Honda CD 250 > Honda Hornet 600 > Honda CBR 600RR > Yamaha RXS 100 > Kawasaki ZX6R J2 > Yamaha FZ1

[nop]

[Benjamoki]

Were you looking at fully comp? Perhaps best as everyone else has said to get somthing that you can use and it wont ou you anything and just get the cheapest insurance ie 3rd party.
My first bike was a yamaha xt125, insurance was 229 with no ncb (this was when i was 17)

[Andy_Pagin]

When I had my ybr people came up to me so often to tell me what a great bike I had it got boring, one auld Irish fella even said "ahh tell me nouw, is dat a 250 or a 500 yer have dere?"

No fucker complements my Fazer

Anyhow only one way to reduce insurance costs, do what I did, lose your hair, grow a big grey beard and try not to crash too often while your doing it. Sorry but that's life.
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They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer

[joedavis95]

Honda CG is a great bike for insurance, I'm 17 and have got 1 year NCB from a 50cc Moped and my premium for a CG125 is 251. Not bad.

[youngbiker22]

To the OP,

Try a Suzuki Marauder 125, if you like the cruiser type they are really good, I had an 03 one from 2010-the end of 2013, not many problems, loved it, it may not be built for speed but it looks good while going slow, top speed of (65-70)
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1st: Suzuki Marauder GZ125 > Now: Suzuki Bandit GSF600 - also gettin a 1994 virago on the road

[prizefighter]

got my '98 Honda NSR 125 at 18 on a provisional. Cost me £600 for the bike, first years insurance was £550 TPFT. Rode it for 3-4 years, came off it twice, sold it for £650.

If you buy a cheap 125 and keep it running its almost impossible to lose money on it.

[Ammoman]

Something to be said about being 48 yrs old and living In Devon.

58reg Hayabusa fully Comp 5yrs NCB £211
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2013 ZZR1400 & Honda CG125 1986..

[radicalrabit]