F'n insurance for full 'A' license new sports bikes

[G30]

£2000-£6000 p/a fully comp, are you fucking kidding me?
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[CaNsA]

What bike, what area, how long have you had your licence?

[G30]

This thread sparked from what my brother was just quoted and I will be in the same situation in less than 2 years. He has 2 years NCB and has been riding for a little over 2 years. The bikes are the 1000cc sports bikes like Fireblades, Ninjas etc. Even the 600 versions are still high (2 grand for a CBR600RR, etc). We're in North West London.
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[CaNsA]

So brand new bikes, in london... how old are you?

[G30]

He's 22, I'm 20.

By the way, this is with low mileage p/a and social use only. Forgot to change it back from that to higher mileage and commuting as well with the litre bikes.
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[CaNsA]

Oh right, so you are in the "most likely to have a crash" age bracket then.

[G30]

Indeed we are but even so, it's still very high.
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[ws4936]

Have you tried moving out to the country, and buying a shitty 20 year old commuter?

That should lower the premiums.
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If everything seems under control, you're just not going fast enough.

[CaNsA]

[temeluchus]

Buy an early 90s CBR600 or 900 and earn some no claims then......
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Some shite cruiser. Now with guns and FREEDOM!

[TallPaul_S]

A 22 year old on a litre sport bike, in London?

And you're wondering why insurance cost is so high...

Seriously high risk for insurers, chances are if you don't crash it'll get nicked. They go on a risk rating, with things like young riders, high risk area for thefts, desirable bike etc etc increasing the price. You will tick (nearly) every box hence the ludicrous prices.

[pits]

1000cc sports bike......22.....London.....



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Stinkwheel: You have no right to free speech
00:32:08 Blau Zedong: yes, i am a massive CB400 fan and collector
00:33:00 Blau Zedong: the CB400 is my favourite road bike

[G30]

If I tell them it's painted bright pink and luminous green will it help with the theft part?

We weren't expecting a few hundred, of course, around £1,500-£2,000 (on a litre brand new not a 600) but over 6 grand is insane that's over half the fucking bike itself. I must go and see what a 1199 or HP4 would cost me.

(Obviously I would not paint it pink and green and when they start a search for a pink and green Fireblade, etc I would just tell them they probably re-painted it back to the normal colour )
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[CaNsA]

The quotes you get that are stupidly priced are because that company doesnt want your business, but they still want to appear on the compare sites.

[suburban myth]

Sounds to me like they're quoting high because they don't really want your business. On the other hand if you're stupid enough to pay it, they'll take you on.

my way around this would be to look for something like a 999 which to some insurance companies is regarded as a classic and can be insured as such.

Either that or a YBR 125.

[G30]

Or go for TPFT and a 600 but still pay a silly price.
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[TallPaul_S]

[G30]

Yeah I am in one of them. Had this same problem when they wanted a grand for a YBR.

Btw, for license held length do I put 0 years ('A' license only) or 2 years (including A2 license). Surely if I put more than 0 they would be like what is going on that's impossible you liar.
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[mentalboy]

[Rogerborg]

[G30]

Hmm '14 CBR600RR @ £9,799 is £1,560. '09 @ £5,499 is £1,025. (TPFT)

I did others and they dropped quite a bit more.
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KTM RC390 -- Kawa ER6f -- Yam YZF R125 -- Yam YBR 125

[Ste]

Sounds like you and your brother need to do some shopping around.

Are your bikes going to be parked on the road?

[P.]

Move outside of London, get a 1.1 litre bike.

[clancy]

What's your post code rating ?

I'm in D so pretty bad, but not the worst. I'm 20, k5 gsxr 600 is just under £300 FC with commuting. And I live directly in a city centre too.

06 fire blade is just over £300.

Shop around more ? Should be able to get it cheaper than a grand. Are you adding any other riders on your policy ? If yiu are. Don't.

Also not clicking the pillion passengers button can make a huge difference from what I've found
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KLX 300r

[TheArchitect]

I got quoted £540 Comp with commuting (£1k excess) for the CBR600RR i'm going to buy as soon as I pass.

This is based on the following..

age 31
Full licence
2 years ncb
commute 6000 miles a year
live in north london
bike kept on the street overnight
disc lock and chain but no alarm
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GSXR 600 K6 - Stolen
GSXR 600 K6 - Stolen
MT09 - Almost stolen