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Insurance without a full licence

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benandthe
Traffic Copper



Joined: 24 May 2010
Karma :
PostPosted: 03:40 - 04 Sep 2014    Post subject: Insurance without a full licence Reply with quote
Long story short, I've just taken my DAS.

Should have passed if not for misreading a road sign, changing lane and not making my shoulder check/ life-saver clear enough (even though I did it!). Sad
1 major.
Unfortunately my theory expires on the 6th so I have to start over with theory, MOD 1 (which I passed with no minors!) And then MOD 2 (also had no other faults, just the one major).

Basically I bought a cb500 and want it insured for peace of mind reasons but no-one wants to provide even just a basic cover without road use.

Any suggestions?
Thanks!
____________________
Sold: NRG 50cc, SR125cc, CBR125cc, Mito MK 1 125cc, Speedfight 50cc, Stomp 125cc, cbr125cc, NRG 172cc, CBF 125cc, Zip 70cc, stomp 140cc
Current: CB500 (waiting on DAS)
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P.
Red Rocket



Joined: 14 Feb 2008
Karma :
PostPosted: 06:32 - 04 Sep 2014    Post subject: Reply with quote
No one will steal a 500. If they do they will return with a sorry note.

Almax it.
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Rogerborg
nimbA



Joined: 26 Oct 2010
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PostPosted: 07:33 - 04 Sep 2014    Post subject: Re: Insurance without a full licence Reply with quote
benandthe wrote:
Basically I bought a cb500 and want it insured for peace of mind reasons but no-one wants to provide even just a basic cover without road use.

So, just theft cover? Laid up insurance. Better be SORNed, brah.

Is this some gold plated CB500 though, because I wouldn't be making a theft claim on any bike worth less than about £1500. With excess, mugging on the value and inflated premiums you'll lose out in the long run. Your money is far better spent on security.

Alternatively, Bikesure will cover you TPF&T or FC on the CB500 under your provisionaL entitlement, on the understanding that you will pass your test within a few (can't recall offhand) months.

However, that ties you to one provider and you can't shop around so it may not be worth it.

Given that you'll have to do everything over (Y U wait so long?) I'd put the money towards the re-tests rather insurance.

Oh, and have you asked the DVSA Dereks at your test centre if they really want to you do re-do Mod 1? I know that's what the statute says, but the statute is an ass. Worth asking, right?
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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
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The Disapproving Brit
World Chat Champion



Joined: 10 Sep 2008
Karma :
PostPosted: 08:08 - 04 Sep 2014    Post subject: Re: Insurance without a full licence Reply with quote
Rogerborg wrote:

Is this some gold plated CB500 though, because I wouldn't be making a theft claim on any bike worth less than about £1500. With excess, mugging on the value and inflated premiums you'll lose out in the long run. Your money is far better spent on security.


This. And if you're gonna bother to insure it for the sake of a years NCB, a) you probably won't get NCB with laid up insurance, so see if it's worth just getting the cheapest policy you can, and b) for christs sake don't make a claim.
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Current Bikes: 1983 Honda VF400FD / 2003 Honda VT750 Shadow
Bike Test Passed 18/03/09, Car Test Passed 14/05/13
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Old Thread Alert!

The last post was made 11 years, 153 days ago. Instead of replying here, would creating a new thread be more useful?
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