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| pablodrugsmul... |
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 pablodrugsmul... Derestricted Danger
Joined: 11 Apr 2016 Karma :   
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 Posted: 13:45 - 11 Apr 2016 Post subject: First big bike |
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After buying a cbf 125 and barely using it i've now passed my das on an mt07 (first time ) and im looking at which bike to get. Before even taking my test id narrowed down a list of potential bikes but i decided what i really wanted was a v strom 650, i regularly have to travel 200 miles to Lincolnshire and enjoy touring and the v strom seems perfect for that. The problem is i only really want to spend a max of £3k (less if i can) and v stroms at that sort of price either have higher mileage than id like or seem to sell quickly. Im still saving and need to sell my 125 but hopefully within 4 or 5 weeks ill have the cash, another bike that caught my attention was the versys 650 2010 on model as it does the same thing, the torque seems to be nice on these, the insurance is a group lower and they generally are more available. I was also wondering on peoples opinions of the transalp as while i think its ugly (a lot would say that about all 3 options) it seems well made and would do the job. The other option is buying a fazer 600 cheaply and getting some experience on that before going on one of these taller bikes although i think id be ok.
My criteria incase anyone has any other recommendations is the following:
-Comfy on a long run - decent wind protection
-decent fuel range/mpg
-hard luggage available
-comfy enough for a pillion
-not too expensive to maintain, im happy to do basic services my self but most other stuff id need to learn from someone or pay a garage to do it
-reliable |
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| diesel dog |
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 diesel dog Renault 5 Driver
Joined: 20 Jun 2014 Karma :    
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 Posted: 19:02 - 11 Apr 2016 Post subject: |
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Well done on your pass
Out of all the bikes you've mentioned the Fazer 600 would be my choice although all of them will feel like a rocket ship compared to the 125. ____________________ MT10 |
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| pablodrugsmul... |
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 pablodrugsmul... Derestricted Danger
Joined: 11 Apr 2016 Karma :   
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| Rogerborg |
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 Rogerborg nimbA

Joined: 26 Oct 2010 Karma :    
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 Posted: 13:58 - 15 Apr 2016 Post subject: |
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Sure, the GPZ500 is a decent enough bike. They're getting on a bit, so go for the newest, lowest mileage example that you can find. Have a look at the XJ600 and Bandit 600 as well. Nothing wrong with scumming it for a bit to build up some NCD ____________________ 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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| Polarbear |
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 Polarbear Super Spammer

Joined: 24 Feb 2007 Karma :  
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| chris-red |
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 chris-red Have you considered a TDM?

Joined: 21 Sep 2005 Karma :   
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| pablodrugsmul... |
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 pablodrugsmul... Derestricted Danger
Joined: 11 Apr 2016 Karma :   
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 Posted: 14:21 - 15 Apr 2016 Post subject: |
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I found a 2003 gpz with the double front discs and 23k so as good as itll get and only 13 years old , they want a grand but i dont wanna pay more than £850, few tatty ones about so the price seems reasonable and ill most likely get the same back when it comes time to get rid of it.
I had a look at deauvilles as they do meet a lot of my criteria and the shaft drive means no faffing with chains but the build quality seemed pretty bad, most are really rusty and getting on a bit. Also there the fact im 25 and drive a Volvo 940 by choice so going with an old persons bike too may worry my girlfriend, im sure its comfy though. |
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| pablodrugsmul... |
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 pablodrugsmul... Derestricted Danger
Joined: 11 Apr 2016 Karma :   
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| pablodrugsmul... |
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 pablodrugsmul... Derestricted Danger
Joined: 11 Apr 2016 Karma :   
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 Posted: 09:35 - 22 Apr 2016 Post subject: |
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Ok so i got me a bike, a 99 fazer 600 , great! No not great, rang up my cbf insurers hoping to change the details over to the fazer and carry on till my policy ends in september, nope they wont insure me going from a 125 to a 600, ok can i atleast get confirmation of my earnt ncb over the last half a year? Nope they won't do that unless you stayed the entire year even though i wanted to continue the policy on my new bike. Just to annoy you some more the amount owed to cancel is £230, f***ing great . I got a quote online from Carole nash for £900 with 0 ncb but im wondering if i took it if theyll ring up and tell me in a few weeks they can't insure me either because of the jump in cc or some bollocks. Maybe Aviva will do a reasonable quote as i have my car with them already? I know a fazers not exactly slow but i dont live in a crack den, im employed, its parked on a drive with a very thick oxford boss disc lock on it and i wasn't trying to put 20k miles a year on or anything stupid. Rant over  |
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| Pjay |
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 Pjay World Chat Champion

Joined: 18 Jan 2016 Karma :   
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 Posted: 09:42 - 22 Apr 2016 Post subject: |
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Crikey, it cost me £60 more to insure a GSXR 600 when I changed from my 125.
I'm assuming you are using comparison sites?
Try these guys if you haven't yet:
www.thebikeinsurer.co.uk
I must admit that I did the smart thing and checked the prices of a 125/CBT and a 600/A Licence, of each insurer before buying. |
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| pablodrugsmul... |
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 pablodrugsmul... Derestricted Danger
Joined: 11 Apr 2016 Karma :   
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 Posted: 10:22 - 22 Apr 2016 Post subject: |
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| Pjay wrote: | Crikey, it cost me £60 more to insure a GSXR 600 when I changed from my 125.
I'm assuming you are using comparison sites?
Try these guys if you haven't yet:
www.thebikeinsurer.co.uk
I must admit that I did the smart thing and checked the prices of a 125/CBT and a 600/A Licence, of each insurer before buying. |
I've used comparison sites and Carole nash certainly seems to be the cheapest but i usually take the quotes online with cynicism. |
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| Matt B |
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 Matt B World Chat Champion

Joined: 01 May 2012 Karma :     
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| Baffler186 |
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 Baffler186 World Chat Champion

Joined: 31 May 2013 Karma :   
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 Posted: 11:50 - 22 Apr 2016 Post subject: |
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| pablodrugsmule wrote: | earnt ncb over the last half a year? Nope | You may already know this, but I'll say it anyway. Your policy (on the 125) is for that bike. By "changing" your bike to a Fazer you are not simply changing the bike on the policy, but cancelling the 125 policy and starting up a new one with the Fazer. And yes, that means you have not completed 365 days on the old policy, hence don't accrue a years' no claims.
How much was the 125 policy?
You'll often find it cheaper to just let the old policy expire (make sure you tell them not to auto renew, as most of them do now. it's an opt-out clause, and you'll be deemed auto-opted in unless you tell them in writing). You'll pay a cancellation fee (which sounds like the £230 you state). I and many others fell fowl of this when getting a larger bike shortly after insuring a smaller one for a year.
regarding your cheapest quote for the fazer - have you tried fully comp quotes? Have you declared use of another car etc? Play around with it all as it can vary greatly (it's got to be true though). I live in humble Devon but also one postcode away from the highest crime area, and my Bandit was something like £180 with only 1 years no claims. ____________________ Current: 2009 SV650 S, 1990 Kawasaki GT550
Previous: 2009 CBF125, 1998 GSF600, 2004 FZ6 Fazer, 1978 CB400a Hondamatic |
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| Rogerborg |
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 Rogerborg nimbA

Joined: 26 Oct 2010 Karma :    
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 Posted: 12:21 - 22 Apr 2016 Post subject: |
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| Baffler186 wrote: | You'll pay a cancellation fee (which sounds like the £230 you state). |
I expect it's that he's paying monthly and didn't realise that it was a loan at an extortionate rate of interest to cover the cost of the policy for the whole year.
Maybe drop the "online quote" paranoia, just get on www.thebikeinsurer.co.uk with a private session and grab whichever combination of cover, use, mileage and security results in the lowest quote.
And for Hannigan's sake, don't pay it monthly. If you cant afford to pay it up front, you probably can't afford it at all. ____________________ 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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| pablodrugsmul... |
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 pablodrugsmul... Derestricted Danger
Joined: 11 Apr 2016 Karma :   
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 Posted: 20:04 - 22 Apr 2016 Post subject: |
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| Baffler186 wrote: | | pablodrugsmule wrote: | earnt ncb over the last half a year? Nope | You may already know this, but I'll say it anyway. Your policy (on the 125) is for that bike. By "changing" your bike to a Fazer you are not simply changing the bike on the policy, but cancelling the 125 policy and starting up a new one with the Fazer. And yes, that means you have not completed 365 days on the old policy, hence don't accrue a years' no claims.
How much was the 125 policy?
You'll often find it cheaper to just let the old policy expire (make sure you tell them not to auto renew, as most of them do now. it's an opt-out clause, and you'll be deemed auto-opted in unless you tell them in writing). You'll pay a cancellation fee (which sounds like the £230 you state). I and many others fell fowl of this when getting a larger bike shortly after insuring a smaller one for a year.
regarding your cheapest quote for the fazer - have you tried fully comp quotes? Have you declared use of another car etc? Play around with it all as it can vary greatly (it's got to be true though). I live in humble Devon but also one postcode away from the highest crime area, and my Bandit was something like £180 with only 1 years no claims. |
On my car policies ive always been able to change the car and carry that policy on with the price adjusted according to that car, i dont get why motorbikes would be any different in that regard.
Unfortunately letting insurance run on something you no longer own is illegal so i had no choice but to cancel it, if you had a few weeks you could probably get away with it though. I thought i could of had proof of the months id not claimed on my 125 as again with car insurance in the past i got rid a crappy clio early in my policy and they still sent me proof for the few months no claims i had, i still feel a bit cheated that i couldnt get this as i basically paid for the years policy so i think i should of been able to get proof but id rather just forget about it.
After much frustration i though f**k this i just want to insure it and get out on it for whats left of my day off, i got a quote for £321 (paid in one go obviously) for tpft which is fine by me as im back to 0 ncb . |
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| Rogerborg |
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 Rogerborg nimbA

Joined: 26 Oct 2010 Karma :    
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 Posted: 20:40 - 22 Apr 2016 Post subject: |
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| pablodrugsmule wrote: | i dont get why motorbikes would be any different in that regard. |
Because some underwriters only cover peds or 125s but not larger bikes. Lots of folk get stung with this, sadly. We'd have mentioned it, had you asked.
| pablodrugsmule wrote: | Unfortunately letting insurance run on something you no longer own is illegal |
It leaves you open to a civil claim should the new owner not take out insurance and then stack it. That's not the same as "illegal", although as always if you can cite the act and section I'll cheerfully correct myself.
| pablodrugsmule wrote: | i got a quote for £321 (paid in one go obviously) for tpft which is fine by me as im back to 0 ncb  . |
That's not bad for a "new" policy on a Fazer. It'll come down sharply once you've got a full year's license and NCD. ____________________ 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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| Alpineandy |
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 Alpineandy World Chat Champion
Joined: 18 Mar 2015 Karma :   
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Old Thread Alert!
The last post was made 9 years, 312 days ago. Instead of replying here, would creating a new thread be more useful? |
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