Insurance at 25

[Notj7]

Right guys, in June I'm hitting 25, and will be 'an official old bastard'.

All the time in the past I've heard "at 25 your insurance drops significantly". Is this a global insurance magic number?

How significant is the drop supposed to be, and does it work for bikes as well as cars?

I currently pay £350 full comp for my CBR 600F, and £950 fully comp for my car. Hoping the drop is actually significant and not just £50...
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Left the forum.

[HJM]

Run a quote and find out?
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"90% of all statistics are made up"

CBT-18/04/2013

[illuminateTHE...]

You could just find out now ..

Get a quote now but just change your age to 25, keep the rest of your details the same. Also if you will gain another ncb by the time your 25 then add that.
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Theory: PASSED Module 1: PASSED Module 2: PASSED 12/2012!!!

yzf r125 [SOLD] sv650 [CURRENT]

[Nexus Icon]

I remember waiting excitedly for each of the supposed milestone ages - 18, 21, 25, 30, 40 - for the massive insurance drop I was promised (in my head) and it never happened.

Don't get your hopes up.
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[Notj7]

[P.addy]

Well I'm 25 this year, had a few checks with identical data just 1 year difference, adding the additional no claim etc got me lower quotes, but not low enough to really jump for joy at

[Acemastr]

Mine went from £575 to £228

Erm... actually I was 24 at the time, insurance was due October and I was 25 in Dec... win!

*Edit* Car dropped from £875 to £547 but I was 25 at the time(March)
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2017 KTM 350 XC-F - 2014 Yamaha R6 - 2005 Yamaha YZ125
2016 Toyota Tacoma Limited

[Notj7]

A long awaited update on this, just ran through with Motorcycle Direct - quote for a CBR 600F, 25 y/o, £105 fully comp
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Left the forum.

[P.addy]

I have noticed my car insurance has gone down a little since becoming old.

[Clutchy]

[Pol Anorl]

made a post elsewhere about this but..

my gf wanted to ride so ran a quote using details of a newbie to get a price

shes 25 coming up 26, quote on a speedfight 50 (First bike i could think of) and using the info its £75 a year for her..

so i ran one for me, 21 years old, 4 years riding, 4 years ncb, 1400cc largest ridden yada yada no convictions or claims..

£151 a year...
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[DrDonnyBrago]

It's bullshit.

24, 25 or 26 were pretty much the same on my quotes, give or take £5.

[Bofh5]

CBR600F TPFT - £68
Peugeot 306 Fully Comp - £143

i just broke through the 40 barrier
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(L)users...Disk space is to good for them.

Bikes: Honda 50 / CB125-TDC / 93 CBR600 F2 (Stolen & Trashed) / 2001 SP-1 (Sold) / 95 CBR600 F3

[Pol Anorl]

Its simple really, Be 25 for cheaper insurance.

<25 you ride like a twat
>25 you ride like a saint.
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GOOD GAME BODYGUARD: https://i.imgur.com/8WePGgf.jpg
20:30:37 Pyro.: I don't sort of like men, I take every advantage to choke on dick.
Jewlio Iglesias: You live in Liverpool - Chances are, the front door has already been kicked off the hinges

[Sparkss]

I very much doubt it works off anything other than statistics, not some bloke in an office stating "25 year old's are pretty mature right?"

statistically 25 year olds are only slightly less likely to crash than 24 year olds, the price will reflect this.

[The Tot]

Other factors came into play when I was 25, such as

1) Moving home and becoming a home owner
2) Using the bike less than 4000 miles a year
3) Garaging
4) Not using it for commuting

At 24, I was paying £160 on the Fireblade. It dropped to £135 at 25 And yes, you read that price correctly! (TPFT mind)
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Never argue with autism

[-Matt-]

As with other threads, i for some reason seem to be continuously raped on insurance and i'm not exactly sure why

Riding 6 years with 6 years NCB, [moving soon so will change] but to date has been garaged in a okay area.

TPFT for my ZX6 is still IIRC about 400 odd... FC is something absurd like 800 IIRC

I don't commute on it, the only thing is i do about 10k a year - but having tweaked it down 1k at a time it didn't seem to make much difference to the quotes.

I'm turning 24 in january so was hoping [as others have said, as i have been year on year ] that this will be the magic age they decide to let me insure it FC with a lower price, but otherwise its onwards with TPFT

[Notj7]

[-Matt-]