Can insrance be transferred from a 125 to a 'proper' bike?

[asta1]

Evening all,
Having read a few posts on here I am a little worried about the above.
My original plan was to pick up a decent 125 next weekend (CBT and gear is now sorted, thanks BCF) and ride it until summer, getting a few hours of lessons a week and theory sorted before doing a 2 day DAS in June ish.
However, this will be an issue if it is going to cost me lots of cash to transfer the insurance across from the 125 to whatever A2 machine I move onto.
Looking at the quotes, there seems very little difference between insuring a 125 on L plates, and an ER6-f or whatever on the full license.
Can anyone give me some advice on insurers who will do this, their experiences etc, as well as their thoughts on my plan?
Would it be simpler to just save up some more cash and try and get my A2 sorted at Easter and not bother with the 125 at all?
Thanks.

[Kal]

I would be very surprised. When I moved house my underwriters wouldnt cover the Superdream at my new address so I had to start a new policy...

Funny thing was the GPZ was with different underwriter at the same insurer so the insurance for that just needed a tiny increase in premium.

If you go for the 125 then you'll have at least six months riding under your belt before tackling your DAS.

I can't imagine that insurance is really going to cost that much for you.
____________________
Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S

[asta1]

[NJD]

[waffles]

They should do.

My insurance company allowed me to swap from my 125 to a bigger bike after passing my test and even gave me a weeks cover for both while I sold my 125. I had to pay the difference though which wasn't too much.
____________________
Theory test - 19/8/09, CBT - 11/10/09, MOD 1 - 16/8/10, MOD 2 - 27/10/10
Past rides Yamaha XT125X, Triumph TT600, Honda XR250
Current rides Suzuki GSXR 600, Honda MSX125

[Snop Doog]

My friend got his policy changed over from a YZF-R125 to a GSXR 1000 over the phone with ease so it's possible. He's with MCE.

[Oldie]

This is probably the best time of year not to buy a 125 as you'll hardly get to use it properly until the Spring.

So, turn this to your advantage and start thinking about (a) doing your theory test now and (b) taking a training course and DAS in Jan/Feb. I actually only decided to sit my test when I was bored one January and had my full licence by the end of the month.

[M.C]

[Rogerborg]

[Taught2BCauti...]

I recently spoke to my insurance broker (Swintons) about the same thing.

They said that they wouldn't swap the bike on the same policy, but would refund me any remaining full months of cover pro-rata and credit it against a new 12 month policy for the new bike, as long as I arrange the new policy through them.

If the new policy turns out to be less than the refund due, they would sent me a cheque for the difference, but if I wanted to take the refund and spend it elsewhere, they would charge me an admin fee.

They also told me that other insurance companies might work differently, and treat each case on merit - so speak to yours and ask what they do.
____________________
Honda Varadero XL125(V8)
www.TheFutureIsHere.eu

[Baffler186]

From my experience:

Either: skip 125, save money for A2, buy A2 bike, search cheapest quote.

Or: Get 125 and keep for 6 months, any rebate with be eaten up by the early cancellation fee.

Or: As above but phone your insurance and hope you get off lightly - best case scenario you'll pay a small amount to change your bike to a different one)
____________________
Current: 2009 SV650 S, 1990 Kawasaki GT550
Previous: 2009 CBF125, 1998 GSF600, 2004 FZ6 Fazer, 1978 CB400a Hondamatic

[J.M.]

It's not about the insurer, it's about the underwriter.

You might get insured by company A for your 125 but underwriter 1 is the one covering you. Company A also gave you a reasonable quote for a 600, but it would be covered by underwriter 2. You couldn't transfer the policy because they're with different companies. The only hope is that underwriter 1 also is willing to insure the 600 and it's at a reasonable price.

Personally I don't think there's any point in 125s now. The new licensing laws negated the need for anybody at A2 age to even think about getting a lower powered machine.

Wait, do the A2, get an A2 bike. Delayed gratification pays off!
____________________
2004 R1 & 2018 XSR900

[asta1]

Right gents,
Thanks for the advice,
I will book theory asap and see when the next available A2 DAS course is!
Exciting times.

[panaceasaurus]

[talkToTheHat]

MCE wanted unfeasible monies to go from a 125 to xv535, so switched, paid less money for new insurance. Pro rata refund.

Moved house, devitt wanted unfeasible money, gave me pro rata refund, no fees, very civil. New insurance was cheaper but different policy from same underwriter not available to devitt.

Just cancelled 535 insurance as policy is for old cruisers, broker giving me pro rata refund and beating comparison sites on a quotes for new bike. Refund for 535 going straight into new policy.

I smell a case of broker not sending proof of no claims to self coming up...
____________________
Bandit. does. everything.

[J.M.]

[Kal]

The Superdreams underwriter was arriva before, and it is now.
Just different divisions.
____________________
Kal...
I Like To Hoon It Hoon It I Like To Hoon It Hoon It I Like To Hoon It Hoon It Ya Like To (HOON IT!).
1984 GB250 Clubman,1983 CB250N Superdream, 1999 GPZ500S