Insurance On Honda XR125L at 17

[Ollie1995]

Hi, Last week I bought this XR 125, I am looking to get insured and the cheapest I can find is third party, maximum 1000 miles and with my dad on the license, stored in a locked garage. We got a quote of if I remember correctly £210. Is this a good deal or should I expect better?

Thanks, Ollie.

https://i941.photobucket.com/albums/ad257/ollielovesturtles/IMGP3528.jpg

https://i941.photobucket.com/albums/ad257/ollielovesturtles/IMGP3527.jpg

[billybillany]

Hi Ollie,

My insurance was like £392 or something third party fire and theft. Have a look for Rampdale.. Might find you a better deal

[Ollie1995]

[GTR1400]

Just be careful with what you put down as the mileage on the bike, as it's very easy to achieve over 1000 miles in a year... don't wanna screw yourself over if you have any cagers run you over after you've done 3546976965 miles more than they thought you would.

They'll screw you on anything they can. Trust me, I've been there.

[Joncrete Cungle]

A thousand miles a year is just under 20 miles per week, will you really be doing such low miles? Try running a quote with a slightly more realistic mileage if you are going to be doing more than 20 miles a week. Third party only, do you own a top quality padlock and chain?

[bikertomm]

I paid £330 Third party only, same bike, at 18.

I found changing the mileage on the quote didn't even affect the price so you may aswell beef that up a bit.


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07' Honda Hornet now full powaah! My guide on performing an oil change!

[Moxey]

£210 isn't bad for your age for that bike and in the present economic climate.

When I was 17 in 2009 I paid £165 TPO on a 4 year old YBR 125, after swapping to the Varadero the next year it climbed to £220 again TPO (strangely all my quotes increased in price with 1 years NCD and experience, put it down to economic factors).

Condsider putting the mileage up though it may not cost you much more, in fact for my VFR it was cheaper to put the mileage at 15,000 than say 3000, guess they figure if I'm doing more miles on it I'll be more careful, strange you'd think I'd be more at risk doing more miles.
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Current: 02 FZS 1000 & 91 Royal Enfield Bullet 350 Some Bike Pics...
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[Rogerborg]

It's not actually that high under the circumstances, it's a nick-me bike, you're a high risk rider.

Tried www.thebikeinsurer.co.uk? They usually find the cheapest for me.

That mileage is daft, definitely increase it (or be prepared to disconnect your speedo).

The other thing to try is TPF&T or even fully comp quotes with the highest excess that they'll let you put. Treat it as 3rd party only, but it might come out cheaper.
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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

[Ribenapigeon]

For comparison im £200 fully comp + Health through bennets for a new Yamaha WR125X and im 45. You do need to up your milage i would say at least 4000 miles.

[Andy_Pagin]

Off topic slightly, I would replace that 'security' chain with something that can withstand an attack from plastic scissors.
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They're coming to take me away, ho-ho, hee-hee, ha-haaa, hey-hey,
the men in white coats are coming to take me away.
Yamaha Vity -> YBR125 -> FZS600 Fazer -> FZ1-S Fazer

[Ollie1995]

Cheers for all the replies. I thought they'd ever really know how many miles I'd do but it's not worth the risk if it's only a little more money. And I'm aiming to get a decent chain and disc lock. Perhaps even a hidden kill switch

Ollie.

[Ollie1995]

Cheers for all the replies. I thought they'd ever really know how many miles I'd do but it's not worth the risk if it's only a little more money. And I'm aiming to get a decent chain and disc lock. Perhaps even a hidden kill switch

Ollie.

[Ollie1995]

Cheers for all the replies. I thought they'd ever really know how many miles I'd do but it's not worth the risk if it's only a little more money. And I'm aiming to get a decent chain and disc lock. Perhaps even a hidden kill switch

Ollie.

[bikertomm]

https://extreme.pcgameshardware.de/attachments/584818d1348082301-maus-maeuse-unter-win7-nicht-erkannt-aufhaenger-beim-win7-start-bluescreen-bei-herunterfahren-triple-post.jpg
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07' Honda Hornet now full powaah! My guide on performing an oil change!

[Ollie1995]

fuck why does it keep doing this?

[The Tot]

Count yourself lucky! I was paying £440 TPO on my XR125 8 years ago when I was 17! London post code, 4000 miles. That was with express insurance I think. That's laughable compared to the £220 TPFT I'm paying for my blade currently!
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The Tot 2019 Z1000SX - 2007 R1
Never argue with autism

[tom_m]

£210 is quite a good price, i paid £230 on my first bike which was a suzuki gn125, come to think of it im currently paying £400 for a yam ybr 125 with a full licence!

as for the 1,000 miles a year... ive always insured mine for no more than 3,000 a year, and ive done 8,000 on my ybr since may this year (dont ask how, i dont know ).

'IF' you have a bump on it, you recently changed the clocks for some second hand ones from a breakers yard after they stopped working, remember
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Current: 2005 Kawasaki Er-5 C5P
Past: 2012 Yamaha Ybr 125, 2004 Yamaha Neos 50, 1994 Suzuki Gn 125, 2005 Aprilia Sportcity 125, 1988 Yamaha Tzr 125
Theory: Passed... Mod 1: Passed 22/08/12 Mod 2: Passed 22/10/12