Stupid Insurance Quotes

[Josh|RD125LC]

Hi,

I have just done an online quote for Motorcycle Direct for my RG125F. On the quote I put I was 17, 1 years NCB, no convictions, accidents etc, bike to be stored in a garage, with a chain and padlock for security. To be riding on a provisional, annual mileage of 5000, and for social and domestic use only.


The result I got was bollocks if you ask me. They wanted 1300 with 150 excess. That was fully comp'd.

Any other good places I can try? I want a quote of around 500-700 really.

The RD I got quoted 450 tpft with 1 year NCB.
____________________
Honda MBX50 | Yamaha RD125LC | Suzuki RG125F Lucky Strike | Suzuki GSF600S
RD125LC Pictures

[Kickstart]

Hi

As a learner they know that there is a high chance of an accident, and also know that with fully comp they might have to pay out a large amount for you just dropping it in a car park.

Fully comp is always stupid money for learners, both for cars and bikes.

All the best

Keith
____________________
Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[Josh|RD125LC]

Its a stupid amount and I don't know what to do now. I wanted to have the RG as my main bike, but now it looks as if I have to ride the RD, which I don't really want to do. I can't say how annoyed I am at this present moment. Insurance is bullshit.
____________________
Honda MBX50 | Yamaha RD125LC | Suzuki RG125F Lucky Strike | Suzuki GSF600S
RD125LC Pictures

[Kickstart]

Hi

Forget fully comp and go for tpft and then you will get a sensible quote, probably half that quote.

At the end of the day fully comp just means that if you have an accident the insurance company do the chasing rather than you, and with bikes fully comp almost never includes personal injury cover.

All the best

Keith
____________________
Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[Josh|RD125LC]

I wanted fully comp really because of the expensive fairings. I don't want to drop it and get nothing out of it. But I guess if I'm careful, I can go tpft. I'll give it a go.

Anybody else had stupid insurance quotes?
____________________
Honda MBX50 | Yamaha RD125LC | Suzuki RG125F Lucky Strike | Suzuki GSF600S
RD125LC Pictures

[JonB]

I had a stupid insurance quote of £307 TPFT for a Bandit 600. What *were* they thinking?
____________________
Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[Keith]

Online quotes are usually too vague, dont give you a very good idea. Also a lot of the online agencies only work with more expensive insurers who dont always specialise in bikes.

I was getting quotes of £1300 TPO for my Bandit6 on www.onlinebikequote.co.uk, but a quick call to Carole Nash and I was insured for £660 fully comp.

The bike specialists should be able to help you. I cant see it being much more than about £500 TPO on an RG125. I was insured at 17 with 1 year no claims on an RS125 and that was £680. I did get quotes much cheaper but they all wanted an instant down payment which I couldnt afford at the time. Needed to go for a more expensive policy to pay it off in installments.

Dont give up hope because of the online quote though. Best off phone people like Carole Nash, Bennetts, the people you'd expect to be quite expensive.
____________________
Aprilia RSV Mille R Edwards Replica - Aprilia RS250 - Suzuki GSXR600 Supersport Race Bike

[Ian (GPX)]

https://www.ebikeinsurance.co.uk

Try them above.

I got a qoute of £193.20 TPFT on 2 bikes with them (GPZ400R & GPX600R).

[Kickstart]

[mrchips]

Fully Comp is a waste of money really for a bike only worth little over a grand. TPFT should save you hundreds.
____________________
Northern Irish? www.nibikers.com

[JonB]

Yep, i'm TPFT and my bike is worth over £3000 theoretically, however next year I will probably go FC.

Go TPFT, i'd even be tempted to go TPO on that bike.
____________________
Be careful whose advice you buy, but, be patient with those who supply it. Advice is a form of nostalgia, dispensing it is a way of fishing the past from the disposal, wiping it off, painting over the ugly parts and recycling it for more than it?s worth.

[Ste]

[mrchips]

Insurance is still a lot cheaper than Northern Ireland. I was ringing this evening about an NC30 aged 18 with 2 years NCB and the best Carole Nash could come up with was £1660 TPFT.
____________________
Northern Irish? www.nibikers.com

[Kickstart]

Hi

Further to what Ste says, with some policies when you claim they cancel the remainder of the policy.

[lilredmachine]

Bennets wanted £1400 for the MZ TPFT and £2100 FC
____________________
Bikes: too many, too much for one man to maintain anyway.

[mrchips]

[Frost]

norwich union wanted £3405 TPO on a 1 litre nissan mirca i got for £250 (aged 20)

[Dr Nick]

£5400 tpo on a 1.6 Fiesta Si with a ban and 3 points and a claim at 19 , that was with endsleigh insurance if i remember
____________________
is that it

[Adam_P]

Four and a half grand on a Fiesta Mk2 XR2 at age 18 on a car that was only just over that.

Sod that!
____________________
Colin McRae MBE 1968 - 2007 RIP
Orwell Rolls in his Grave
God is imaginary

[Dr Nick]

[scottiel]

Iam with Open and Direct last year my insurance for FZR600 was 485 with 300 excess fully comp just got renewal and it is down to 200 with 300 excess.

My mate just insured his NSR125R TPFT for 198.00 with them, he is learner but he is 29 dont know if that helped him.

[Josh|RD125LC]

Thanks for the advice guys. I'll look into it, and as you say, try TPO and TPFT as well. Like I said, I'm willing to pay around 600 maximum really, maybe 700.
____________________
Honda MBX50 | Yamaha RD125LC | Suzuki RG125F Lucky Strike | Suzuki GSF600S
RD125LC Pictures

[scottiel]

Kickstart try Open And Direct in Colraine, Carole Nash Quoted me £1200 for FZR600.

[JakeyC]

norwich union quoted me happy!!!!!!!!
£2300 Third Party Fire And Theft
Nsr 125 , 17 years old, cbt licsence
and the woman actually said i think you will be pleased with out great rate of only £2300

[Jammy-G]

Bennetts wanted 8 and a half grand a a new busa when I did a jokey quote online (0yr NCB FC at 17)
____________________
RooRoo: just like the time i stuck my finger up my arse with no lube at all and she didnt talk to me for hours