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| Snorty |
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Snorty
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| j.silvs |
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j.silvs
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| spears |
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spears
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| cb1rocket |
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cb1rocket
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 Posted: 19:59 - 12 Jan 2013  Post subject: |
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About right that sounds, do try garage option on when selecting and fiddle all the settings to see what works best and why. Try the same again for other bikes. Are you using a comparison site?
Being 0 ncb doesn't help also. Try putting down 4 years ncb and see what happens price wise.
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| Snorty |
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Snorty
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| Louise |
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Louise
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DottyDuck
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Nexus Icon
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| Paulington |
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Paulington
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| Posted: 20:36 - 12 Jan 2013 Post subject: |
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Hey Snorty.
I am not sure if it is still the case, however, I found that 125cc motorcycles were relatively more expensive to insure than "bigger" bikes.
For example, my Gilera SC125 cost roughly £450 to insure TPFT at age 17 and it only cost £400 to insure an SV650S with an aftermarket exhaust and the same NCB as the Gilera, I did a quote at the same age/details etc and the Gilera came out more expensive than the SV650S still.
I think one of the reasons for this is that 125cc motorcycles like the SC125/RS125/CG125/CBR125 and others tend to be ridden by learner riders and as such are (likely) involved in more crashes than an SV650S. Think of it as a sports bike effect, just slightly different.
It costs a ton to insure a GSX-R which is 1000cc compared to an ST1100 which is a bigger engine and a bigger bike but it is crashed a heck of a lot less and tends to be ridden by more relaxed bikers so are less of a risk to insure for the insurers and so cost less to insure, in the same way the oft-crashed-by-learners CG125 is and so costs more to insure.
Is it not worth her taking her test and not getting a 125cc, depending on her age? As she is above 21 it's likely better for her to go book a few days of training on a school's bike and pass her (new) A2 category licence and so get a bigger bike which is restricted for her to learn on and which could likely be cheaper for her to insure! Plus, taking her test works out in the long run as then her restriction-clock is ticking down.
Other than that, could it be due to the new insurance law where insurers can't discriminate (read as: charge different prices) for men and women? Naturally it just means the insurers have put the price of female insurance up to the cost of male insurance instead of vice versa.
Also, security? Is it in a locked garage? Any chains, datatags, ground anchors or anything else? This along with postcode etc all change the cost of insurance.
I hope that helps Snorty.  .
____________________
"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. |
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| Hobgoblin |
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Hobgoblin
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| Paulington |
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Paulington
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Posted: 20:53 - 12 Jan 2013  Post subject: |
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| Hobgoblin wrote: | Try TPO. |
Hey Hobgoblin.
I think that's a bit of a risk on a 125cc, depending on area and security.
Most 125ccs, being so light and lacking security features like alarms etc make them really easy to steal so unless you are confident you can get a lot of security on the bike both at home/where you mainly keep it and anywhere you take it, plus not minding that if it does get nicked that you don't get anything back then sure, TPO will be okay.
However, I find if you are in an "okay" area, the difference between TPO/TPFT is around 10-20% which just isn't worth it for the extra hassle it could cause, especially with such as easily nicked bike like a 125cc.
Cheers.
____________________
"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. |
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| Snorty |
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Snorty
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| ian505050 |
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ian505050
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| Posted: 21:43 - 12 Jan 2013 Post subject: |
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The insurance companies must have seen this video and recalculated there premiums, fat bitch ruined it for everyone.
https://youtu.be/R6YrWiN9UyU |
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| TheSmiler |
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TheSmiler
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| Posted: 22:04 - 12 Jan 2013 Post subject: |
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It's not because she is female it is just the insurance game, I paid £450 TP for my Cb125, at the same time I was getting a quote on a Cg125 £750 tp.
Second year has cost me £150 tpft on the CG125.
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| Clanger |
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Clanger
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| Posted: 22:35 - 12 Jan 2013 Post subject: |
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Don't forget to list her 'job' as something safe like 'admin', anything that denotes riding / driving about during office hours will bump up the premium too. 
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| bluepixie93 |
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bluepixie93
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Posted: 22:42 - 12 Jan 2013  Post subject: |
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... I have no experience with driving, I got the CBF after I did my CBT, they wanted £1500 fully comp 
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CBT 18/09/11, Theory 30/04/12 - pass, Mod 1 02/07/12 - fail  ...06/08/12 - pass  Mod 2 14/08/12 - pass 
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| P. |
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P.
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| i.p.phrealy |
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i.p.phrealy
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| Posted: 22:50 - 12 Jan 2013 Post subject: |
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There's a thiing on Martin Lewis's website about job descriptions and how it affects your insurance premium. if it gets £50 off it's worth a try.
https://www.moneysavingexpert.com/insurance/car-insurance-job-picker/
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and if you just tried you need professional help.
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| barrkel |
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barrkel
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| Posted: 23:02 - 12 Jan 2013 Post subject: |
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| Paulington wrote: | | Hobgoblin wrote: | Try TPO. |
I think that's a bit of a risk on a 125cc, depending on area and security. |
If you live in a dodgy area, it's better to insure TPO and invest the money you'd have spent on insurance in security instead. The money you save would buy another bike after a couple of years anyway, especially when you consider NCB loss / premium loading after a claim.
I live in E3 - on post code risk calculators, that puts me in the "refer to your insurer" highest-risk category. TPO is the only way to go. When insured TPFT or FC, you're less likely to be scrupulous with security, and then you're sure to have your bike nicked.
We've had two scooters stolen, insured FC as part of a Yamaha deal. Getting FC insurance on those scooters independent of the deal would have cost more than the scooters themselves.
Now we have multiple almax chains, amongst other things.
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Bikes: S1000R, SH350; Exes: Vity 125, PS125, YBR125, ER6f, VFR800, Brutale 920, CB600F, SH300x4
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| Hobgoblin |
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Hobgoblin
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| Paulington |
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Paulington
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| Posted: 23:56 - 12 Jan 2013 Post subject: |
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| barrkel wrote: | | Paulington wrote: | I think that's a bit of a risk on a 125cc, depending on area and security. |
If you live in a dodgy area, it's better to insure TPO and invest the money you'd have spent on insurance in security instead. The money you save would buy another bike after a couple of years anyway, especially when you consider NCB loss / premium loading after a claim.
I live in E3 - on post code risk calculators, that puts me in the "refer to your insurer" highest-risk category. TPO is the only way to go. When insured TPFT or FC, you're less likely to be scrupulous with security, and then you're sure to have your bike nicked.
We've had two scooters stolen, insured FC as part of a Yamaha deal. Getting FC insurance on those scooters independent of the deal would have cost more than the scooters themselves.
Now we have multiple almax chains, amongst other things. |
Hey Barrkel.
Surely that is highly bike-dependant?
For example, when doing quotes for the GSX-R it was roughly ~£200 TPO and £380 FC for my Father, so that's a £180 difference. That could buy an Almax S3 chain and a ground anchor. Personally I'd rather pay the extra £180 and know that if it's nicked it gets replaced so for that bike and that price it's better to pay the extra for TPFT/FC.
Even in a rough area if that quote increased by a factor of five I'd rather pay the extra for insurance, it's just a fact that no matter what security you have on your motorcycle if someone wants it badly enough then they will get it, no matter what area you are in.
Sure if I lived in a rough area and I am trying to insure a 125cc which is worth a grand and the difference between TPO and TPFT is £600 or something plus a £500 excess or whatever then yeah I'd likely towards insuring TPO and spending the £600 on an Almax chain, disc lock or two, ground anchor, datatag and whatever else, so I can see your reasoning. Plus when you factor in NCB (If you have any) is likely cheaper in the long run.
Like I said however, it's very bike, insurance cost and situation dependant.
Also, I maintain that the OP should get the woman in question to seriously think about taking the A2 test instead of buying a 125cc motorcycle. Instead of spending a few hundred quid to a grand or two on a 125cc motorcycle I think it'd be better to spend £500 on a few days of training + your theory/practical tests (the A2 category) and then spend the remainder on a decent "big" bike that is 47bhp or below so they don't have to faff about with restriction and get it insured for likely less than what the 125cc costs.
In my opinion that's the better way to go about this, it may well be cheaper in the long run and, more importantly, gets the clock ticking on her restriction period.
Cheers! .
____________________
"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. |
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| Squircle |
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Squircle
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| dransy |
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dransy
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| Paulington |
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Paulington
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| Posted: 02:06 - 13 Jan 2013 Post subject: |
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| Squircle wrote: | I still think insurance prices for younger people is utterly mental. |
Well, insurance prices are so high for younger drivers/riders because everyone, especially the insurance companies know that every single one of us are just testosterone (yes, the ladies too!) and adrenaline filled speeding thrill junkies who are just itching to smash our vehicle head-first into the nearest kitten shop at several hundred miles per hour and then when we get out of hospital all we want to do is shag someone's brains out and do it all over again.
At least, that's what they think, anyway!  .
To me it seems in reality the insurance is priced so high mainly because they want to price out as many younger drivers/riders as they can because, quite simply, they just don't want us driving/riding.
One in three males and one in sex females write off a car in their first year of driving from what I've read and those that don't write them off probably do a ton of damage to them and, even if the insurance does cost £2000 or whatever (conservative estimate for a first time driver in a car at 17-24) the insurance company are going to pay out a shedload more than that to whatever person/company/building owners/whatever they hit plus any personal injury.
So, why do they want young drivers/riders on the road? A lot of them will end up costing the insurance company a shedload of money, so how can they prevent this? They can skyrocket insurance premiums for young people under the guise of "statistics" which holds no water when you consider that having a Pass Plus and IAM membership takes something like 5% off my insurance, not exactly a whole lot, is it? However, doing so means a whole lot of young people just can't afford to run a car/bike (legally) until they are older, in their early-mid twenties for example, when they are (according to the insurance companies) less risk.
Of course, it is just statistics, I just forgot to take off my tin foil hat this evening.. .
Cheers! .
____________________
"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. |
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tom_m
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Old Thread Alert!
The last post was made 12 years, 340 days ago. Instead of replying here, would creating a new thread be more useful? |
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