Why is insurance so high?

[simon_a6]

I've been driving for many years. My insurance for my relatively high performance car, is actually very low, for that reason.

I have full no no claims.

So why do the insurance companies treat me like "Sir, you have never been on the road, you have no road experience, you have only just stepped onto the road, so you are a hazard"?

I get that I have very little bike experience, (I use to ride many years ago), but I have considerable "road" experience. None of this is taken into account.

I'm sure there are reasons for it, but it seems rather unfair.

It feels as though they are saying "yes, your age shows maturity, but you have never been on the road".

[hedgehugger]

Maybe it's where you live.
I had no license previous to getting my bike license. My insurance comes in at (usually considerably) less than £100 every time. Except once, for the mini ninja it was around £130.
One year, with cashback, it was £7.50 to insure my er5!

[simon_a6]

No I live in a very decent area. Hence my car insurance is under £300.

Is it just that some insurance companies dismiss the "road experience"? Who should I be asking for bike insurance? IF you are allowed to promote companies on here.

I am in the UK.

[hedgehugger]

I just stick my details into gocompare, compare the market, bike specific insurers, Carole Nash, Swinton etc and see what comes up cheapest.
My quotes are always for fully comp too.


I don't have a full car license, but do have a provisional, adding me onto the insurance for the car brought it down !

[J.M.]

What bike are you trying to insure?
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2004 R1 & 2018 XSR900

[pinkyfloyd]

Bike insurance is a whole different ball game than car insurance. Yes you have road experience in a car but not on a bike so you will be treated like you have no road experience.

Yes you have full no claims on a car but 0 no claims on a bike. So they deal with what they know from your application with the relevant vehicle. You car experience counts for nothing because its just a form they see.
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illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
Hockeystorm65:.well there are childish arguments...there are very childish arguments.....there are really stupid childish arguments and now there are......Pinkfloyd arguments!
Teflon-Mike:I think I agree with just about all Pinky has said.

[shereen]

Just because you have been driving a car for umpteen years doesn't mean you can ride a motorcycle safely.

Would you expect cheap insurance on an articulated lorry if your passed a test to drive one for example?
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"The Internet is the first thing that humanity has built that humanity doesn't understand, the largest experiment in anarchy that we have ever had"

[arry]

[thx1138]

insurance for my Honda 250 is stupidly high, it's peanuts for some of the others I own.

[Nobby the Bastard]

I've just renewed mine. £55 for the year and with a free baby Oleg thrown in....
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Triumph Sprint ST 1050

[simon_a6]

So for a car driver of 20+ years driving, £450 too much for a 2002 VFR 800 insure ?

[Nobby the Bastard]

[arry]

[pinkyfloyd]

How much?

1991 GSXR750 just passed my test. £141
1999 VTR1000F Firestorm 6 months later. £97
2013 XJ6N brand new £105.

Living in a city with the bike parked on the road.
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illuminateTHEmind wrote: I am just more evolved than most of you guys... this allows me to pick of things quickly which would have normally taken the common man years to master
Hockeystorm65:.well there are childish arguments...there are very childish arguments.....there are really stupid childish arguments and now there are......Pinkfloyd arguments!
Teflon-Mike:I think I agree with just about all Pinky has said.

[simon_a6]

So the quote I got sounds ridiculous. Will def look on comparisons. Sounds like it should be around the £150-250 mark.

The comment about an arctic lorry. I get, but that's a wholly different beast. Ur more likely to injure yourself on a bike. In a truck, less likely but Moreso to injure others. And then. There's the size of it.

[pinkyfloyd]

[Kickstart]

Hi

£450 does seem a bit high. But it might depend on the bike and mods, etc (eg, for me riding a bike over 25 years and with full no claims my insurance was £300 for a 1200 Bandit with a loads of mods declared - and not much more than 1/3 of that without any mods).

[wr6133]

[janner_10]

[-Matt-]

Thebikeinsurer.co.uk
Wickedquotes.co.uk
and all the other usual comparison sites - pays off to take time doing them all.

Fiddle with what security is/isn't mentioned, can make a suprising difference (or no difference) sometimes.

Works in funny ways though - particular bikes/places/people seem to get high quotes. Car experience may mean very little to many insurers sadly.

[Az]

[dolly3900]

Not had a problem here.

1 year NCD gained on a 125, a couple of years provisional and moped riding experience as named rider, passed test one week, insured a CBF6 the following week for a couple over £100.

My advice is to shop around, put in the time on the comaprison sites and the ones not listed there and dig for the best deal.
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2002 Rieju RS2-50 (Sold, spares or repair), 2010 Suzuki DR-125SM (Traded for ->), 2007 Honda CBF 600 (Sold), 2010 Suzuki V-Strom 1000 (Briefly, now returned), 2007 Suzuki Intruder 1800m (Even More Briefly, traded in for ->), 2014 Suzuki V-Strom 650

[Lone-Wolf]

Wotcha.

It works the other way too.
I've had continuous bike insurance since around 1976 - I've also driven a works van since 1987 . . . . . .but when I came to insure a car ( which I had to buy following my accident ) the insurance companies treated me as a new driver without any no claims bonus.

I pointed out that since 1987 I have also had continuous insurance on what they like to class as a "three wheeled car" ie. a trike. . . . apparently that didn't count either.

Cost to insure 2 trikes, one of which is a two litre, a Royal Enfield and a Kawasaki 800 Drifter = just over £300.

Cost to insure Peugeot 307 = £880

Got to love those insurance companies
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Cheers.
^..^
L.W. - www.moonshiners.org.uk

[DrSnoosnoo]

FWIW

When I passed my test I paid 550 notes for TPFT on the ZZR600. Second year, 270. Coming up to 3rd year in may, I'm hoping for sub 200
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I'm Sam; Northern, Ginger, Lover
Did have: '95 ZZR600 '83 CG125 '97 ZZR1100 '15 Hypermotard 821 SP Do Have: '10 ZX10R

[P.]

25, 3 years NCB, quotes for my Blackbird were between £80 and £5,000

Ended up getting for £140ish, not bad for a pokey bike.

thebikeinsurer.co.uk is your friend