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Cheap bike insurance for CBT Holder

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Abaaba
Renault 5 Driver



Joined: 14 Nov 2021
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PostPosted: 23:45 - 05 Feb 2023    Post subject: Cheap bike insurance for CBT Holder Reply with quote
I am asking it for a friend who is trying to get into biking.

he has recently done a cbt and got himself a 125cc scooter, MOT & road tax sorted but struggling to get insurance.

He has been quoted between £1800 to £2700 for a bike that is only worth £1900.

Any recommendations of companies to try would be appreciated.

Thanks
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NutsyUk
Nearly there...



Joined: 22 Jun 2016
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PostPosted: 23:55 - 05 Feb 2023    Post subject: Reply with quote
Hastings are ultra cheap, but dont expect any support if anything happens.
Also those quotes are a joke.

Get him to start with a compare site... Admiral is good Im on carol nash now...
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slowasyoulike
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Joined: 17 May 2021
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PostPosted: 01:31 - 06 Feb 2023    Post subject: Reply with quote
Those quotes seem a little on the high side... does your friend have any 'circumstances' that might have caused them?
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Polarbear
Super Spammer



Joined: 24 Feb 2007
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PostPosted: 01:33 - 06 Feb 2023    Post subject: Reply with quote
How can he get road tax without insurance?
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P.
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 08:56 - 06 Feb 2023    Post subject: Reply with quote
Can I assume London. I'm gonna say east London too.
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Easy-X
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Joined: 08 Mar 2019
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PostPosted: 12:09 - 06 Feb 2023    Post subject: Reply with quote
Polarbear wrote:
How can he get road tax without insurance?


Probably one of those helpful "still has 6 months of road tax I'll let you have" Facebook Marketplace ads.
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P.
Red Rocket



Joined: 14 Feb 2008
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PostPosted: 12:57 - 06 Feb 2023    Post subject: Reply with quote
dave001 wrote:
Easy-X wrote:
Probably one of those helpful "still has 6 months of road tax I'll let you have" Facebook Marketplace ads.


must be a while since you purchased a used bike or car

tax done not transfer with any more and tax left gos back to seller and you have tax it strait away


He knows this, you just failed to read his post.
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NutsyUk
Nearly there...



Joined: 22 Jun 2016
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PostPosted: 14:01 - 06 Feb 2023    Post subject: Reply with quote
Polarbear wrote:
How can he get road tax without insurance?


I got road tax without insurance...

Im pretty sure its Tax first Insurance second...

Im sorting my insurance out this week on the new bike.
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Yamaha FZ8/Fazer800 (split headlight one) 2014, gingerly getting used to the massive increase in HP and not killing myself in the process! That was easy to get used to.
Kawasaki ER6F 2007 650 Gonna sell as a project bike!
Lexmoto XTR S 125 Sold!
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Nobby the Bastard
Harley Gaydar



Joined: 16 Aug 2013
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PostPosted: 14:06 - 06 Feb 2023    Post subject: Reply with quote
It used to MOT and insurance and then tax when you had to display a tax disk, the logic being that if there is no tax then there probably isn't insurance either so check that when nicking them for the tax.

These days as there is ANPR and a central database of insurance there is no need so the requirement was dropped.
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 14:14 - 06 Feb 2023    Post subject: Reply with quote
NutsyUk wrote:
I got road tax without insurance...

Im pretty sure its Tax first Insurance second...

How did you manage that one?

If the vehicle isn't on the insurance database then you can't buy tax.

You need insurance first to ride to an MOT test (needs to be booked in advance if you've got no MOT or tax) and only then can you buy tax.
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Easy-X
Super Spammer



Joined: 08 Mar 2019
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PostPosted: 14:45 - 06 Feb 2023    Post subject: Reply with quote
dave001 wrote:
tax done not transfer with any more and tax left gos back to seller and you have tax it strait away


Have a trawl through Facebook MarketFarce, people literally put it in the listings usually accompanied with "lost the V5, you'll need to reapply." Rolling Eyes

The latest one is "I've lost the V5 so needs to be done online" which I believe implies they have it (or the relevant numbers at least) but they don't want you to see the name on it for some reason Smile

caveat emptor
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Evil Hans
World Chat Champion



Joined: 08 Nov 2015
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PostPosted: 14:56 - 06 Feb 2023    Post subject: Reply with quote
Ste wrote:
NutsyUk wrote:
I got road tax without insurance...

Im pretty sure its Tax first Insurance second...

How did you manage that one?

If the vehicle isn't on the insurance database then you can't buy tax.

You need insurance first to ride to an MOT test (needs to be booked in advance if you've got no MOT or tax) and only then can you buy tax.


It's insurance first, tax second. But they disabled the instantaneous online insurance check because some (most) insurers were being very slow to update the database, so it was preventing people getting their tax.

But it doesn't matter because if the vehicle is taxed it legally has to be insured - not just when you buy the tax but continuously until it's sold or SORNed.

So if it is taxed and doesn't show up on the insurance DB it will (eventually) trigger a "continuous insurance" fine.

Which is what will happen to the OP's mate if he doesn't get this sorted sharpish.
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WD Forte
World Chat Champion



Joined: 17 Jun 2010
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PostPosted: 14:59 - 06 Feb 2023    Post subject: Reply with quote
Sound like Deliveroo/commercial type insurance to me
The guy I know pays £115 a month and he's a mature rider
not a 17 year old
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Abaaba
Renault 5 Driver



Joined: 14 Nov 2021
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PostPosted: 18:46 - 06 Feb 2023    Post subject: Reply with quote
slowasyoulike wrote:
Those quotes seem a little on the high side... does your friend have any 'circumstances' that might have caused them?


None at all.
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Abaaba
Renault 5 Driver



Joined: 14 Nov 2021
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PostPosted: 18:47 - 06 Feb 2023    Post subject: Reply with quote
Polarbear wrote:
How can he get road tax without insurance?


someone else is using it (insured, taxed & mot'ed) whilst he is trying to get insurance.
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Abaaba
Renault 5 Driver



Joined: 14 Nov 2021
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PostPosted: 18:48 - 06 Feb 2023    Post subject: Reply with quote
P. wrote:
Can I assume London. I'm gonna say east London too.


close North West London
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Polarbear
Super Spammer



Joined: 24 Feb 2007
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PostPosted: 18:50 - 06 Feb 2023    Post subject: Reply with quote
Abaaba wrote:
Polarbear wrote:
How can he get road tax without insurance?


someone else is using it (insured, taxed & mot'ed) whilst he is trying to get insurance.


I'm pretty sure you can't have two different valid insurance policies on the same bike. arry, where are you?
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Abaaba
Renault 5 Driver



Joined: 14 Nov 2021
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PostPosted: 18:54 - 06 Feb 2023    Post subject: Reply with quote
the topic is heading the wrong direction so let me clarify it..

A = owns the bike but can't seem to get insurance
but you can't leave them uninsured in London coz they got stolen easily
so it is insured & taxed and used by a family member who doesn't own the bike hence why the bike is taxed.........
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Abaaba
Renault 5 Driver



Joined: 14 Nov 2021
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PostPosted: 18:55 - 06 Feb 2023    Post subject: Reply with quote
Polarbear wrote:

I'm pretty sure you can't have two different valid insurance policies on the same bike. arry, where are you?


correct so as soon as he gets it the other one will probably be cancelled
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Ste
Not Work Safe



Joined: 01 Sep 2002
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PostPosted: 22:18 - 06 Feb 2023    Post subject: Reply with quote
Polarbear wrote:
I'm pretty sure you can't have two different valid insurance policies on the same bike. arry, where are you?

You can have as many policies as you want and multiple people can have policies for the same vehicle.
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Nobby the Bastard
Harley Gaydar



Joined: 16 Aug 2013
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PostPosted: 08:52 - 07 Feb 2023    Post subject: Reply with quote
Yep, what you can't do is claim on two overlapping policies for the same thing.
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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."
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Abaaba
Renault 5 Driver



Joined: 14 Nov 2021
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PostPosted: 21:11 - 07 Feb 2023    Post subject: Reply with quote
I think he is priced out of biking unless he moves away from London.
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Nobby the Bastard
Harley Gaydar



Joined: 16 Aug 2013
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PostPosted: 21:44 - 07 Feb 2023    Post subject: Reply with quote
Abaaba wrote:
I think he is priced out of biking unless he moves away from London.


No shit!
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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."
Sprint ST 1050
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