Big bike insurance for a youngstr..

[Bike_craze1]

Looking at getting a CBR600 - 2007, just looked at insurance, I either get quoted £1000 or £10,000 for a quote on compare the market, any tips? thanks
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Yamaha R125 - Cagiva Mito 125 - Honda CBR 600
CBT passed: 22/07/08 Bike Theory passed: 28/03/09
Bike Test passed: 15/04/09

[Mikey3]

1. is it an RR or an F? Probably RR from that quote?

Its unlikely if this is your first big bike to get anything less than that.
They actually made you an offer, which is a good start, but i'd be suprised if it was anything less than 4 figures.
perhaps consider a lesser performance bike for your first big bike, try the CBR600F- much more insurable

Mike

*edit* take a look around the 'new bikers' section, there's plenty of info on first big bikes; options, specs, restriction help, insurance, etc. and it would save everyone repeating themselves in here again
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'04 Yamaha WR450F
'99 SV650 Streetfighter Project - mid build
'Motorcycling is about what you do; not about what you own, or how much you spend on it'

[Rogerborg]

Could easily be an F. I think Equity Red Star have pulled out of the bike business or raised their prices, and they were holding the market down.

I wouldn't get a 5 year old CBR as a first bike anyway. Get a cheap mid 90's one that you can afford to walk away from, go TPO, and consider insuring it as being in a locked garage chained to a shark with frikkin' laser beams. That will bring even a TPO quote down, and since you're only ever going to have a 3rd party claim (out on the road), it's vanishingly unlikely to be an issue.
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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

[Wafer_Thin_Ham]

[Mikey3]

[DrDonnyBrago]

Pick unusual bikes that chavs kids don't normally ride. Things like GSXR750, daytona, bandit 12, VTR1000F can often be cheaper to insure than a sports 600 despite the bigger engine, probably because youths don't crash them as much.


As for a suitable bike for a new big bike rider, a 600RR probably isn't it, the bikes listed above probably aren't either. An older 600f or even a hornet, SV650, fazer would be better.

[Redoko]

[TheBikerStig]

[nowhere.elysium]

[Wafer_Thin_Ham]

[Dan_Davies]

[Jayy]

If that's the bike you want and you can afford the insurance, go for it mate, I know I would have done for my first bike

[Rncv]

£400 TPFT FZR600 1991

Thats with pillion cover and on the road.

Passed my restricted test earlier this month, although i do have 3 years no claims.
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Current: 01' Bandit 600, 92' Goose 350
Previous: Lots!

[Rogerborg]

[Paulington]

You will be much better insuring something like a SV650S/Bandit/Hornet/Fazer. These are MUCH better on insurance than a CBR600 whilst being just as fast and comfy.

There is nothing you can do really besides putting it in a locked garage/getting a tracker/doing IAM and such things as you are young trying to insure a bike which is well known for being sporty, fast and popular with people who like to use it's power a lot.

Shop around and get the best quote you can, but be prepared to pay for it if you don't want to try other bikes which are just as good like the ones I listed above. I guarantee you an SV650S you'll be able to insure for under £1000 easily.

Best of luck!
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"Four wheels move the body, two wheels move the soul."
Current Vehicles: '89 Kawasaki KDX200, '99 Yamaha XV535, '00 Honda ST1100 Pan-European, '08 Suzuki GSX-R1000, '08 Mitsubishi Lancer GS4 2.0 TDCi, '15 BMW 1 Series 116d Sport Turbo.
CBT: 27/08/08. Theory: 04/09/09. Module 1: 16/09/09. Module 2: 01/10/09.

[Teflon-Mike]

Why do you think that the quotes are so high?

a) They are money grubbing bastards.
b) they think they can get away with it
c) they think that if you can afford a posey bike; you can afford it
d) they think that you are likely to cause them a big money claim

Tick as many answers as you think apply.

Bottom line is that the quote is high for ALL those reasons, and d) is favourite.

So taking the hint; apart from paying mega-money to Government sponsored racketeers... do you REALLY want a bike you are SO inordinately likely to CRASH... expensively?

Or.... as every-one believes or wants to believe, the insurance companies are 'wrong' and YOU have the skill, self control and attude to be 'sensible' and NOT crash?

If you persue such a bike, sorry, but no you dont. People that DO have the skill, attitude & self control to NOT crash so expensively, take the hint and buy 'sensible' bikes...... and DONT pay daft insurance on them.

Your life, your money, your choice.
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My Webby'Tef's-tQ, loads of stuff about my bikes, my Land-Rovers, and the stuff I do with them!
Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?'

[TheBikerStig]

[Mikey3]

Also, restricting the bike would make it even more pointless.
You'd never get the power that the CBR puts out, it simply wouldnt rev high enough.
Would be far more sensible in every way (and with no performance loss) to get an F or many of the other 'friendly' big bikes on the market.

Mike
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'04 Yamaha WR450F
'99 SV650 Streetfighter Project - mid build
'Motorcycling is about what you do; not about what you own, or how much you spend on it'

[Paulington]

[Moo.]

With TPO does it actually matter where the bikes parked overnight? As you'd never be able to claim for theft?

Been looking at insuring my bike at uni (Kingston) as at the moment its just left back at home (Lincoln) because the insurance is so much cheaper.
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A2 Passed 18/6/10

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