Understanding insurance

BO55T1G3R · Derestricted Danger Joined: 31 May 2015 Karma :

So many eh, I'll be a first time rider and I'm expecting it'll be quite a lot wonga for a 125 twist and go, I'm 42 yrs old, what do you think I'll be looking to pay on average, can you explain also this excess too, thanks! Smile

Northern Monkey · World Chat Champion Joined: 17 Nov 2013 Karma :

JoeDougieDoug... · World Chat Champion Joined: 25 Oct 2011 Karma :

BO55T1G3R · Derestricted Danger Joined: 31 May 2015 Karma :

Thanks loads !

NJD · World Chat Champion Joined: 11 Mar 2015 Karma :

Try gocompare they ask if you have "provisional" or "full license" and the date of which it was obtained, since you already have your provisional then you can get an accurate insurance quote by entering some basic details.

As for the bike just enter the model, year etc and check the "not yet purchased" box.

Mr. Green

arry · Super Spammer Joined: 03 Jan 2009 Karma :

johnte · Two Stroke Sniffer Joined: 24 May 2015 Karma :

As a rough guide, I'm a 53 year old 'new Embarassed

' 125 rider, and I pay £77

Rogerborg · nimbA Joined: 26 Oct 2010 Karma :

www.thebikeinsurer.co.uk generally turns up decent quotes for me.
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KnightsFall · Nitrous Nuisance Joined: 14 Oct 2014 Karma :

I don't think anyone fully understands insurance quotes. But if you have a full car license, this may knock a little off. Age is generally a plus (up to a point?) and I reckon you should be able to get third party, fire and theft for less than a couple of hundred. Maybe much less. Fully comp will likely be well inside of £300. I'm with Swinton on TP, F&T and probably paying a touch more than I should be as I did not shop around properly before renewal. Works out at about £180ish from memory.

Nobby the Bastard · Harley Gaydar Joined: 16 Aug 2013 Karma :

Increasing the excess doesn't always make a positive difference to the quote as well. in fact, I've heard of it resulting in an increased premium.
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MahatmaAndhi · Traffic Copper Joined: 10 Jun 2015 Karma :

Teflon-Mike · tl;dr Joined: 01 Jun 2010 Karma :

NO-ONE understands 'Insurance'.. its like women.
If you even get CLOSE to understanding it... they just change the rules!
You are not meant to comprehend... just obey.. sorry, that's women...
You are not meant to understand.. just PAY... actually THAT could be women too!
Its SUPPOSED to be beyond comprehension; you are just supposed to open your wallet; do as you are told; sweat a bit over what the right answer might be, and hope for the best! Like I said.. like women!
As for how much.. well... bit like women again.,. but at your age, for a scooter, 'relatively' not too much... is about as close as I can offer!
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arry · Super Spammer Joined: 03 Jan 2009 Karma :

grr666 · Super Spammer Joined: 16 Jun 2014 Karma :

42 here, 1 years NCB, full licence, ER6f 650cc full comp with cover to ride other bikes, £137
Still a bit pricey compared to what I pay to insure my car with full no claims but otherwise not bad price.
To compete with that my bike insurance would need to be about £74
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