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Passed My DAS, now dilema

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rpsmith79
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PostPosted: 07:05 - 17 Aug 2017    Post subject: Passed My DAS, now dilema Reply with quote

Well i'v finally done it, passed my MOD 1 on Monday with 1 minor (could have pulled up sooner on the controlled stop) and then passed my MOD 2 yesterday afternoon with 4 minors (nerves got the better of me and a made a few silly mistakes)

Now to find myself a big bike, but i'm in a bit of a quandary at the moment, as i could do with selling my CG125 to help fund the big bike, but on the other hand i don't want to cancel my insurance 6 months into my first year as i will have to start all over again regards NCD

My only real option to not lose any NCD would be to use all my savings (£1500) to buy a Hornet/Bandit/Fazer, swap the insurance over, then try and sell my CG

Unless anyone has any better ideas?
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bamt
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PostPosted: 07:35 - 17 Aug 2017    Post subject: Reply with quote

First thing to check is if your insurance company will let you change over to a big bike - some will, some use underwriters that specialise in 125s.
That may affect your timings (if they won't let you change, then you could have both bikes on the road whilst you sell the 125 - funds permitting - or stick on the 125 until the end of the year).

Regardless, selling a CG privately shouldn't be hard as long as you are realistic on price vs condition. If you can be without the bike for a while you can put it up for sale now and not worry about your next bike until it is gone - to be safe from being liable for any accidents your CG is involved post-sale in you should really pause your insurance at that point, which may well incur additional admin charges.

Or for ease (though not the best deal) you could trade it in at a dealer so everything happens at the same time and you aren't dealing with chancers (other than the dealer themselves). I've do it both ways - sometimes the dealer way can work out better as long as you go into it for convenience and looking at the overall cost of the deal and not for "peace of mind".
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rpsmith79
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PostPosted: 07:48 - 17 Aug 2017    Post subject: Reply with quote

Never knew it was possible to pause insurance, certainly something i will enquire about (and being able to change to a bike bike policy)

I'm insured through Bennets, but don't know which underwriter my policy is with, or if they offer such options as to pause insurance

The other dilemma is whether to wait a bit longer till towards the end of the year when i guess bike prices go down, before i buy a big bike, as it won't be my only mode of transport
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Rogerborg
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PostPosted: 08:12 - 17 Aug 2017    Post subject: Reply with quote

rpsmith79 wrote:
Never knew it was possible to pause insurance

I've never heard of it either, but it's worth asking if you end up between bikes.

It is a consideration as you don't want a policy still running on a bike that you've sold, as you'll be on the hook for any 3rd party payout that occurs if the new owner stacks it without insurance.

rpsmith79 wrote:
The other dilemma is whether to wait a bit longer till towards the end of the year when i guess bike prices go down, before i buy a big bike, as it won't be my only mode of transport

Life is time limited and you might get hit by a bus before then. It'll be more likely if you're still wobbling around on a 125.

Unless you're scraping every penny, I'd check if you can swap the policy over, then get big bike shopping.
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rpsmith79
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PostPosted: 08:43 - 17 Aug 2017    Post subject: Reply with quote

Yeah, i have plenty of searches out there with email alerts for the sort of bikes i am after, but i'm not just going to rush into buying the first one i see within reach and budget, was more thinking if i take my time they will start to get cheaper the closer we get to Winter

I took the Loser plates off my 125 last night, but didn't actually want to take it out after spending the last few weeks on a 600 Fazer, actually not used the 125 since starting my DAS as the first time i hopped on it after a lesson, it felt like a backwards step
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Rogerborg
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PostPosted: 09:05 - 17 Aug 2017    Post subject: Reply with quote

Sure, no need to rush at it. But you might be disappointed by the reduced choice available over winter. You want the best bike in your budget rather than the cheapest heap that someone is desperate to offload.
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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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rpsmith79
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PostPosted: 09:16 - 17 Aug 2017    Post subject: Reply with quote

Rogerborg wrote:
Sure, no need to rush at it. But you might be disappointed by the reduced choice available over winter. You want the best bike in your budget rather than the cheapest heap that someone is desperate to offload.


Ahh, good point
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AshWebster
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PostPosted: 09:44 - 17 Aug 2017    Post subject: Reply with quote

Ah the sensible person - passes test before buying a bike. Mine was gathering dust in Honda's warehouse for 6 months,,,. Kudos !
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AshWebster
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PostPosted: 09:46 - 17 Aug 2017    Post subject: Reply with quote

Also its summer now so go out and get a big bike and get on the roads! Winter is crap unless you intend to commute in which case you don't have a choice Very Happy
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Bozzy.
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PostPosted: 12:13 - 17 Aug 2017    Post subject: Reply with quote

AshWebster wrote:
Ah the sensible person - passes test before buying a bike. Mine was gathering dust in Honda's warehouse for 6 months,,,. Kudos !


Must be something about people from Blackpool. I bought my SV before I'd even done CBT! Doh!
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rpsmith79
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PostPosted: 13:03 - 17 Aug 2017    Post subject: Reply with quote

Bozzy2 wrote:
AshWebster wrote:
Ah the sensible person - passes test before buying a bike. Mine was gathering dust in Honda's warehouse for 6 months,,,. Kudos !


Must be something about people from Blackpool. I bought my SV before I'd even done CBT! Doh!


I did buy my CG125 before i did my CBT, mainly because it was cheap, and needed a whole load of work doing on it, so a month spent getting it roadworthy was better spent before doing my CBT, rather than getting CBT and not having anything to ride for the next month
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M.C
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PostPosted: 15:31 - 17 Aug 2017    Post subject: Reply with quote

That remaining 6 months will be a long time, especially as you've had a taste of big bikes. I'd look at switching the policy over (if it's possible), and getting a big bike personally. As above selling the CG shouldn't be an issue.
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Musketeer
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PostPosted: 16:24 - 17 Aug 2017    Post subject: Reply with quote

Insurance for 600cc without NCD is going to be expensive.

I kept my 125cc for over a year after passing my test. My test back then was A2 restricted to 33bhp for 2 years so i didn't mind to wait. The bike was Aprilia RS125, so I was not bored of it.

Then buying insurance for a 600cc bike with years of NCD didn't hit me that hard. Having NCDs and not having them make a huge difference in price.
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M.C
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PostPosted: 16:54 - 17 Aug 2017    Post subject: Reply with quote

JZ wrote:
Insurance for 600cc without NCD is going to be expensive.

Might not be. Going by the OP's username they appear to be older. I'd be surprised if there was a significant difference, although that depends on the bike. I found Bandits and GPZs the same for me to insure as a tiddler (even slightly cheaper in some cases).
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Evil Hans
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PostPosted: 17:21 - 17 Aug 2017    Post subject: Reply with quote

M.C wrote:
I found Bandits and GPZs the same for me to insure as a tiddler (even slightly cheaper in some cases).


Same here.
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........
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PostPosted: 18:14 - 17 Aug 2017    Post subject: Reply with quote

When I cancelled the insurance on a 125 I'd had for a month and started it on a Hornet I received a refund of £10 (Hornet insurance was £105).

Edit: This was less than a week after my test.
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rpsmith79
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PostPosted: 19:45 - 17 Aug 2017    Post subject: Reply with quote

Yes i am indeed and oldie (well not that old, but certainly not young)

I actually did an online quote for a Hornet 600 earlier and it came out at £260 fully comp with zero NCD, i think i paid something like £150 for the CG125 TPF&T, i can live with that
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Wheezybiker
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PostPosted: 20:06 - 19 Aug 2017    Post subject: Reply with quote

Nice dilemma to have
Just been through it myself
Ended up with a Yamaha xj6
Cost me 306 to insure with NCD and breakdown cover and also no car insurance history for last 8 years

I'm insured with MCE
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rpsmith79
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PostPosted: 09:49 - 21 Aug 2017    Post subject: Reply with quote

Thanks for the advice everyone, and after a weekend of bike viewings i have put a deposit down on a 2003 Honda CB600F S Hornet, won't be picking it up for a couple of weeks as i need to wait till payday....... going to be the longest 2 weeks of my life

I would have preferred the fully naked version, but this one caught my eye as being in very good nick, low mileage (15,000) and from a local dealer with a 3 month AA warranty, it was hard to turn it down
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Rogerborg
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PostPosted: 11:48 - 21 Aug 2017    Post subject: Reply with quote

rpsmith79 wrote:
and from a local dealer with a 3 month AA warranty

Whaat?

It's likely enough a decent enough bike, but at 14 years old I don't think I'd want to pay enough for it that I'd have to wait for pay day.

Tradition (starting today) demands that you provide the reg number so that we can find the dodgy history.
____________________
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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Evil Hans
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PostPosted: 11:55 - 21 Aug 2017    Post subject: Reply with quote

Rogerborg wrote:

It's likely enough a decent enough bike, but at 14 years old I don't think I'd want to pay enough for it that I'd have to wait for pay day.


https://www.ebay.co.uk/itm/122611963894

Up for £1900. Hopefully he haggled. Wink
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rpsmith79
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PostPosted: 12:21 - 21 Aug 2017    Post subject: Reply with quote

Evil Hans wrote:
Rogerborg wrote:

It's likely enough a decent enough bike, but at 14 years old I don't think I'd want to pay enough for it that I'd have to wait for pay day.


https://www.ebay.co.uk/itm/122611963894

Up for £1900. Hopefully he haggled. Wink


Yep that's the one, £1700 cash money

The dealer has very good recommendations from the local biking community, and my instructor had a good look at the advert and said it was a good deal (at the asking price)

I'd rather pay a bit more and have the piece of mind from a dealer than buy private

Only fails on the MOT were for headlight adjustment and seat insucure, and some advisories for "near side directional indicator damaged but functioning"
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Evil Hans
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PostPosted: 12:25 - 21 Aug 2017    Post subject: Reply with quote

rpsmith79 wrote:

Yep, £1700 cash money

The dealer has very good recommendations from the local biking community, and my instructor had a good look at the advert and said it was a good deal (at the asking price)


That's a bit more realistic. Doesn't matter what you paid, you can guarantee that one of us will tell you that you were robbed Very Happy

rpsmith79 wrote:

I'd rather pay a bit more and have the piece of mind from a dealer than buy private


It will probably make no difference.
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rpsmith79
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PostPosted: 12:26 - 21 Aug 2017    Post subject: Reply with quote

Rogerborg wrote:
rpsmith79 wrote:
and from a local dealer with a 3 month AA warranty

Whaat?

It's likely enough a decent enough bike, but at 14 years old I don't think I'd want to pay enough for it that I'd have to wait for pay day.

Tradition (starting today) demands that you provide the reg number so that we can find the dodgy history.


A warranty from the AA, whats the problem with that?

Have £1500 in savings, plus the sale of my CG, so need to wait till payday for the few hundred quid difference incase CG doesn't sell, plus pay the increase in insurance (£140 odd)
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Rogerborg
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PostPosted: 13:09 - 21 Aug 2017    Post subject: Reply with quote

rpsmith79 wrote:
I'd rather pay a bit more and have the piece of mind from a dealer than buy private

https://i.imgur.com/NDY1tIJ.png


rpsmith79 wrote:
Only fails on the MOT

Is the history consistent with the claimed mileage? Written off?

I only ask because they've carefully not shown the plate in the advert.


rpsmith79 wrote:
A warranty from the AA, whats the problem with that?

I have no idea what that means.

It's probably fine, and it's not a daft price if the mileage is legit and the consumables are all good.

How was the test ride?
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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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