Finally got (awaiting delivery of) a 125cc

[Db4193]

So after a while of looking with no luck iv finally found a bike which im buying.
Its a xr 125 in pretty good condition, will post pics when it arrives.
The question im now asking myself is about insurance so any advice would be good.

Im 19 and have 3 years no claims but im getting quoted around 400 TPFT with no less than £500 excess. ( the price goes to £550 if paid monthly)

This compares to just over £250 for TPO with bennetts.

I'm thinking TPO would be the best bet as the bike is costing me 1000.
So with TPFT i would pay 700 quid ( extra premium and excess ) if the bike was stolen so that i could get 300 from the insurer. And also 5 years of higher premiums due to claiming.
Whereas with the cash saved from going TPO i could get a cyclone v2 alarm and also some mechanical security.

Whats your thoughts?

Also wanted to add, cheers to all the members who gave advice when i was debating bikes.

[Rogerborg]

Where's it going to be stored?

I mean, geographic location, and street / driveway / garden / garage?

If it's anywhere even remotely pikey or pikey adjacent, and if it's out on view, then an Almax and ground anchor are the minimum you'll need.
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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

[Db4193]

Will be kept in my garage, which is a shithole, but at least out of sight.
Plan on getting a ground anchor and decent chain to keep in their and then something else for carrying about.

[Rogerborg]

Hmm, borderline, but I personally would go TPO if it's garaged. It's a tough call at that value.
____________________
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

[dungbug]

TPO might seem the better option, but theft is potentially the more likely need you'll have to be calling your insurer. Fitting a cyclone alarm isn't a bad idea really, where I used to live we had a real problem with bike theft. I lost a couple of peds, then fitted a Cyclone which helped, 3 attempts were made and they didn't get it. Securing the bike with a descent ground anchor will also help, basically do what you can to make it difficult. A descent set of locks on the garage it's being stored in will also be needed.

As Roger said, it's a tough call.
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CBT: Pass 25/06/2011 Theory Test: Pass12/06/2012 Mod 1: Fail 08/07/2012
Mod 1 Retest: Pass 15/0702012 Mod 2: Pass 03/08/2012
Suzuki GN125 (Sold) ~ Current bike: Yamaha YZF 600R Thundercat