When do litres become affordable?

[Davenaylor]

Browsing bikes for sale as you and I've run a few insurance quotes for fire blades and R1's. Older models say below an 02. The prices come out at £750 and above.

I've been riding with a full license for 12 months and have 1years NCB and I'm 32. I currently ride a bandit 600.

I don't really want a litre, just that I like looking like I'm sure we all do.

When did the insurance allow you guys to consider a bigger bike?

[misscrabstick]

I'm 48 and I own 4 bikes, a Kawasaki zr7, a zx6r, a Yamaha thunderace 1002cc, and a old cx 500, not one costs more than 100 pounds a year tpft to insure and I have zero ncd as I came back to riding this year after some 10 yrs out the saddle.

[Derivative]

I can insure litre bikes for sub £300 as a 22 year old male with 2 years NCB.

I think some of the more daft ones like the S1000RR are quite a bit more.

For comparison the CB500 was £110.

All TPO/TPFT (whichever was cheapest).

edit: Just had a check.

HONDA CBR 900 RR FIREBLADE 929cc
£289.91

KTM 1190 RC8 1148cc
£585.28

BMW S1000 RR 999cc
£621.32

[reed]

I can insure fireblades etc. for £258 a year give or take.

And I am 19

My hornet is only like £150-£160 for the year when I come to renew it in November.
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Generic XOR 50, Gilera SMT 50, GSXR 400 GK73A, Ducati Monster 600, Honda Hornet 600.
Sold. Stolen. Written off. Sold. Current.

[Darth]

Got a bizarre price this year. TPFT, 4yrs protected NCB, 37, K1 GSXR1000 - £52 for the year.

Kept thinking they were gonna back out on it but when they called me up a couple of days after taking it online it was just to offer me extra legal cover which considering it only added about £30 for the year thought i might as well
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Harold_Shand wrote: I suppose it's like anything, you get your fingers burned when you start out, you learn from it and eventually become a complete arsehole about the whole thing.

[Nb]

100 pounds a year for my cbr1100, but im an old 32. Maybe its where you live??
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Cbr1100xx blackbird gone, mk4 golf gt tdi chav now
Colin1 wrote 'Im grateful for what i can get, which isnt all that much.'
Columbus travel insurance are crap!! Do not use!

[Nick 50]

The "popular" Thou's will cost more due to their wacky statistics.

Try something like an 03 Tuono, mine was cheaper than a 600 and that was with no NCB and licence for 5 months.
IIRC it was about £260 and i'm 35.
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Current Bikes: ZX7r 97 (Black Beauty), VFR400 NC24 (The banana)
Previous Bikes: Aprilia Tuono 03 (The Beast), CBR600f (97)
First bike: A GZ125 Lemon.......

[Aff]

I've found it's more down to where you live, rather than how old you are.

Most expensive quote I can get at the moment is £450, that's for a brand new S1000R and I'm 23.

The blade is currently costing me under £200.
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Current Bikes:Honda 929RR Fireblade, Honda CD200 Benly (Project), Stomp Z2 140
Electric Bike Project

[Matt94]

£350 to insure my Bandit 600 for another year come February, that will be with 1 years NCB, to insure the 1200 it's coming in at about £600. Yet I ran a quote for a thundercat, that was coming in at nearly a grand, a CBR600F was about £1500, and a ninja 636 was nearly two grand.

Which is why I will be getting a Bandit 1200 next year.

[dydey90]

Whatever you get, it's spare change compared to car insurance.
I remember being 17, paying £2000 to insure my 1.2 Corsa and doing a quote for a fireblade as a newbie who'd just passed their test and it coming back at £1400



Literally the fastest thing I could afford with an engine and it was cheaper?!

...Still don't have one though

[Seb]

Also depends massively on the bike.

My Futura cost me like £100 for the year, whereas the SP1 was £300ish if I remember right. Bit daft given that the Futura would be monumentally more expensive to fix after pretty much any crash and was only maybe 5-10bhp down on the SP1.

Motor insurance really does border on being a scam at times
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2010 Triumph 1050 Sprint ST

[G]

[supZ]

bike insurance has always been very affordable for me.

1st year riding (late 20s) my 600 cost me £350 then 2nd year went down to £169 and when i got the blade in my 3rd year onwards it has been around £200-£240.

so yeh.. for me bike insurance has never been expensive in my opinion (other than my 1st year but then you expect that at least)
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CBR954RR - Daily toy
CBR600RR - Trackbike

[clancy]

[krarkol]

Insurers want around £1300 for any sports 600, sports thou's are uninsurable yet they'll insure me on a turbo b-king for around £550 a year...go figure!

Edit: Forgot to add, 20 year old, licence held for a year and 3 years NCB with 6 points ahem
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Bandit 600 - deaded

[evoboy]

ZRX1100. £120 tpft at 23.
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Suzuki GT250 x7------- Fazer 600------CB250RS------Aprilia Rally 70----- Bandit 600

APT Motorcycles

[SteveZZR]

[Ste]

18

[Richy CB1000]

Must have the lowest so far...... CB1000 £68 Fully Comp!

[Davenaylor]

thanks guys. some very interesting prices.

I live in a good area (I think) LS19

Bandit insurance costs are fine. Maybe its the bikes I'm looking at although that doesn't seem to be the case for others.

I should also add that when I'm browsing i typically only use the bike insurer for comparisons, maybe i should cast my net wider.

[Polarbear]

[Davenaylor]

An 02R1 for 450 on money supermarket. It seems you're right. Thanks

[johnsmith222]

[-Monty-]

I think it was Rogerborg that has said before that insurance just seems to be a "random number generator" and I tend to agree with that sometimes. I think some people are just lucky with it and others get shafted.

Personally I always seem to have been cursed with never being able to get half reasonable quotes; however, have been running quotes in anticipation of next Feb/March when my bikes are due for renewal. My 500 literally drops to about 1/3rd of last years premium (will hopefully have 1 years no claims but didn't think it would make that much difference).

Back when I was looking for a first big bike I had my eye on a CBR 400, was getting quotes for that at around £400 say (I was 20 at the time). Add my dad to the policy (49 at the time) and they won't give me a quote.

They're just making it up as they go along.
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Present: [Kawasaki ZX7r][Suzuki DRZ 400s]
Past: [Honda PCX 125] [Yamaha RXS 100] [Honda CB 500] [Triumph Speed Four] [Honda ST1100 Pan European - Po-Po Edition]

[The Wobbly Orange]

There do seem to be certain times where insurance takes a decent drop. 5 years no claims and 25 yo seems to be it. Also about 5 yrs experience helps.

for me

2012 ZX-10r

26yo

8 yr no claims

£251 fully comp
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People tell me I am lovely. How wrong they are!