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Bike VS Car insurance

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igiyf
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Joined: 01 Jun 2008
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PostPosted: 09:16 - 01 Jun 2008    Post subject: Bike VS Car insurance Reply with quote
:nce lol

Last edited by igiyf on 13:18 - 08 Nov 2008; edited 1 time in total
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iooi
Super Spammer



Joined: 14 Jan 2007
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PostPosted: 09:44 - 01 Jun 2008    Post subject: Reply with quote
You ride a bike, yet want to get a BMW.... Which seems to be amoung the worst drivern car on the road, and then wonder why the ins is so high.....
Add in 22 new driver and you can just see the Inc co's rubbing hteir hands with glee Laughing

For waht you will pay to buy and keep that 318 on the road, never mind the ins will run a almost brand new super mini. Which if you work it right will cost less to tax and run than your bike.

For speed use yer bike.
For lugging stuff get a car any old car will do and stuff how it looks. Embarassed Its only a tin box. Karma
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G
The Voice of Reason



Joined: 02 Feb 2002
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PostPosted: 09:59 - 01 Jun 2008    Post subject: Re: Bike VS Car insurance Reply with quote
mad_man wrote:

so i think to my self lets get a car,, i do a few lessons,find the car i want.. bmw 318 is 1.8 weighs a ton,, doubt it will even do a ton it looks respectable though which is all im after as far as a car goes.

Actually, weighs a fair bit more than a tonne - which means that if you slide sideways into pedestrians you're probably going to walk away.
While the bike weighs a lot less and you're likely to be more cautious as any minor loss of traction can see serious injury to yourself.
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Faldo
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Joined: 05 Aug 2007
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PostPosted: 10:05 - 01 Jun 2008    Post subject: Reply with quote
Car insurance is much more affected by NCB than bike insurance it seems to me. I have 7 years NCB on a car, and only one year on a bike.

I drive a 330 Cabby, and the insurance for me on that is £1100 (FC) I think, but if I had one or two years years NCB I wouldn't even be able to insure it at all.

When you first get a car, it has to really be insurance group 5 or under to get half decent quotes. Even though a 318 (I presume you mean an E36) isn't that dear or quick, I'd imagine it'll be about insurance group 11 or 12. That's a no no for a new driver. I had a Saxo VTR when I was 18, insurance group 7, and even with 1 years NCB it was £1800.

Afriad you need to start looking at small hatchbacks!

Happy Hunting Very Happy
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Doddmaster
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Joined: 02 Feb 2002
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PostPosted: 10:24 - 01 Jun 2008    Post subject: Reply with quote
Im 23 and just got a quote of £490 Fully Comp on an RX8.

*looks for a loan
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trevoriv
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Joined: 04 Jun 2005
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PostPosted: 10:41 - 01 Jun 2008    Post subject: Reply with quote
3rd party liability exposure on young and inexperienced drivers is greater in a car than on a bike.

ie you are more likely to do more damage to someone else on the road whilst you are in a car than if you were on a bike.
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igiyf
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Joined: 01 Jun 2008
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PostPosted: 10:59 - 01 Jun 2008    Post subject: Reply with quote
iooi wrote:
You ride a bike, yet want to get a BMW.... Which seems to be amoung the worst drivern car on the road, and then wonder why the ins is so high.....


the r6 is probs one of the most cained bikes on the road Laughing that was pennys..cant moan though Very Happy

turns out cheaper to get an rs turbo than the bmw hahah see how it goes
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Biker101
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Joined: 22 Jan 2006
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PostPosted: 15:11 - 01 Jun 2008    Post subject: Reply with quote
trevoriv wrote:
3rd party liability exposure on young and inexperienced drivers is greater in a car than on a bike.

ie you are more likely to do more damage to someone else on the road whilst you are in a car than if you were on a bike.


Thats hit it on the nose, for tp insurance they look at how much damage you might cause to others, a bike does very little compared to a car.

To the OP - If your really into biking rain or shine get a crap old car, say a mid 90's nissan micra, cheap to insure and seem to just run and run forever. It may be the most embarrassing tin box on the planet but its a tool not a toy.

Obviously i dont take my own advice and have a nice looking car which is not known for reliability or fuel economy but i am also more of a fair weather rider Embarassed
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