Insurance question

[jetblast787]

Hello all!

I'm planning to purchase my first bike on a CBT in the next month and will be mainly using the bike for getting to and from uni and general shopping, so all will be in a localised area.

I am leaning towards purchasing a CBF125 Or CG125 (depending on which I can get my hands on for a reasonable price) with a budget of around £800-£1000 max. I will be studying in Portsmouth and will be based there for the majority of the year (minus a month during the summer when i'm back in london but will still have student accommodation in Portsmouth).

Regarding insurance, I am being quoted around £600 even when I select the security i'll be using (Oxford chain; guessing for now just to get a quote) and selecting Social and pleasure with a yearly mileage of 1500. I only got my CBT end of June, however have had a full car licence since Apr 2011. When it comes to choosing which moto licence I have, I don't know which to pick for when on a CBT licence hence Its confusing me quite a bit making me wonder whether the quote is correct.

Also, I may be inclined to get a scooter instead; should I expect the insurance to be lower than £600?

Thanks!

Edit: Also forgot to ask, taking into account the fact I have a 17" laptop and messenger bag, which type of bike would be most suitable to accomodate this? I can't see myself riding with the messenger bike on my shoulder; I can just see it either be placed in underseat storage (will it fit?) or between my legs on a scooter.

[Polarbear]

I have found declaring security items makes fuck all difference to my quote therefore I always say nil. That way they can't wriggle out of paying if I didn't put the chain on and it got stolen.
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Triumph Trophy Launch Edition

[NJD]

[Wonko The Sane]

[Kickstart]

[jetblast787]

Thanks all for your input. I'm a little hesitant that a 17" laptop cab fit in a top box, can someone confirm?

[Rogerborg]

Definitely go for SDP + commuting. Read it, it'll be "to and from a permanent place of work or study".

I'd put in 3000 miles+ and wouldn't list security <MadButTrue>Listing security on my BMW put my cheapest quote up by 1/3rd.</MadButTrue>

Don't make any assumptions about insurance, keep trying different options even if common sense tells you that it should raise your premium.

Go via comparison sites, e.g. www.thebikeinsurer.co.uk, clear your cookies every time and put in near-but-fake details until you get a quote that you're happy with.
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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

[Kickstart]

[NJD]

For the first year it's near impossible to say how many miles you'll actually be doing, some comparison websites have mileage calculators to help you figure out but even that's only a slightly better guess.

As above try various details, doing a dummy quote returns that 7000 miles is the same price as 3000 (I just used a high random number) so why limit yourself, this year, my first year I have limited myself and am therefore having to work around the miles just so that I don't have to spend any more money on adjustments, cnuts.

[jetblast787]

[jetblast787]

[NJD]

[jetblast787]