Resend my activation email : Register : Log in 
BCF: Bike Chat Forums


Noob question - what's a normal insurance quote?

Reply to topic
Bike Chat Forums Index -> New Bikers
View previous topic : View next topic  
Author Message

jimster
Spanner Monkey



Joined: 16 Mar 2005
Karma :

PostPosted: 12:46 - 29 Sep 2023    Post subject: Noob question - what's a normal insurance quote? Reply with quote

I'm a middle aged geezer with many years biking experience but haven't done so in recent years as was working overseas.

I'm curious what do people pay for their bike insurance these days? I pay about £500/year for my car (third party only) which isn't too bad for London. I've got an old Yamaha Diversion 900 - years ago I used to only pay like £100/year for insurance for the Diversion 600 but I doubt it'll be that cheap these days!
____________________
Current: Yamaha Diversion XJ900
Previous: Yamaha Diversion 600cc, Piaggio Zip 50cc, Honda CG125-W, Siamoto Caddy 50cc moped
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Freddyfruitba...
World Chat Champion



Joined: 20 May 2016
Karma :

PostPosted: 14:19 - 29 Sep 2023    Post subject: Reply with quote

There are so many variables at play here, it's a totally pointless question, especially when you can bang your details into Comparethemeerkat and have a precise, tailor-made quote in 5 minutes flat.
____________________
KC100->CB100N->CB250RS--------->DL650AL2->R1200RS->R1250RS
 Back to top
View user's profile Send private message You must be logged in to rate posts

DaddyStu
Crazy Courier



Joined: 19 Jan 2023
Karma :

PostPosted: 15:57 - 29 Sep 2023    Post subject: Reply with quote

Just insured my 2016 Tracer 700 for £370. Mid 40s just passed my test. No no-claims bonus on car or bike. If that gives you any idea.

However, the range of quotes was ridiculous all the way up to £1400.
____________________
Daddystu
Zontes 125-G1 (part-ex'd). Yamaha Tracer 700.
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

A100man
World Chat Champion



Joined: 19 Aug 2013
Karma :

PostPosted: 16:06 - 29 Sep 2023    Post subject: Reply with quote

I pay about 130 I think , rider policy, in the shires, old low value bikes up to 3000 miles a year total bike value about 3k also. RH Specialist Insurance
____________________
Now: A100, GT250A, XJ598, FZ750

Then: Fizz, RS200, KL250, XJ550, Laverda Alpina, XJ600, FZS600
 Back to top
View user's profile Send private message You must be logged in to rate posts

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 17:36 - 29 Sep 2023    Post subject: Reply with quote

Cars I pay around £200~£300 fully comp but lately for bikes I've mostly ended up with either new or near new and paying a hundred quid more (fully comp.) For a vintage bike I'd be unhappy to pay three figures... 'tis the season for unhappiness though.
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

grr666
Super Spammer



Joined: 16 Jun 2014
Karma :

PostPosted: 20:10 - 29 Sep 2023    Post subject: Reply with quote

£254 2022 MT10 Full comp + pillion etc. 50 years old 9 years full licence. Bennetts.
____________________
Currently enjoying products from Ford, Mazda and Yamaha
Ste wrote: Avatars are fine, it's signatures that need turning off. Thumbs Up
 Back to top
View user's profile Send private message You must be logged in to rate posts

P.
Red Rocket



Joined: 14 Feb 2008
Karma :

PostPosted: 20:14 - 29 Sep 2023    Post subject: Reply with quote

Depends where you are, I pay £76 for my CBF600 with 9 NCB and £112 on the BMW R1200RT with 1 NCB - I am 35 with no accidents etc.

I live in the fields of Lincolnshire though...
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 21:38 - 29 Sep 2023    Post subject: Reply with quote

P. wrote:
Depends where you are...


Well yes, that does seem to be the deciding factor.
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

DaddyStu
Crazy Courier



Joined: 19 Jan 2023
Karma :

PostPosted: 21:49 - 29 Sep 2023    Post subject: Reply with quote

... and where you keep it. In a locked garage being favoured over the drive - where mine is.
____________________
Daddystu
Zontes 125-G1 (part-ex'd). Yamaha Tracer 700.
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

struan80
World Chat Champion



Joined: 04 Nov 2014
Karma :

PostPosted: 22:48 - 29 Sep 2023    Post subject: Reply with quote

I paid more for insurance on the cbr400rr than my cbr900rr. Probably because 400 is grey import, I don't know. Insurance tends to be quite inexpensive when old and live in the middle of nowhere of any note. Edinburgh, 13 miles away, is a nightmare for stolen bikes.

Just have to check the comparison sites. Just make sure to read the small print on those 'cheap' insurance quotes.
 Back to top
View user's profile Send private message You must be logged in to rate posts

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 22:53 - 29 Sep 2023    Post subject: Reply with quote

DaddyStu wrote:
... and where you keep it. In a locked garage being favoured over the drive - where mine is.


One would need to run a multi-dimensional matrix equation to assess "garage" vs. "postcode." I can only say, for certain postcodes it doesn't matter much how you store a vehicle Sad
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

jimster
Spanner Monkey



Joined: 16 Mar 2005
Karma :

PostPosted: 12:28 - 30 Sep 2023    Post subject: Reply with quote

Freddyfruitbat wrote:
There are so many variables at play here, it's a totally pointless question, especially when you can bang your details into Comparethemeerkat and have a precise, tailor-made quote in 5 minutes flat.


I don't agree!

People can say what THEIR prices are (and that's real world useful information, and also interesting).

And banging your details into a broker leaves a record (and also makes your insurer suspicious that you're trying to cheat the system if you get multiple quotes, resulting in a higher chance of declined coverage and/or higher prices). I try to only get a quote when I intend to buy insurance THAT DAY.
____________________
Current: Yamaha Diversion XJ900
Previous: Yamaha Diversion 600cc, Piaggio Zip 50cc, Honda CG125-W, Siamoto Caddy 50cc moped
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

DaddyStu
Crazy Courier



Joined: 19 Jan 2023
Karma :

PostPosted: 12:58 - 30 Sep 2023    Post subject: Reply with quote

jimster wrote:


And banging your details into a broker leaves a record (and also makes your insurer suspicious that you're trying to cheat the system if you get multiple quotes, resulting in a higher chance of declined coverage and/or higher prices). I try to only get a quote when I intend to buy insurance THAT DAY.


This is usually an issue for me but thanks to Capita every crook around the world already has access to all my details.
____________________
Daddystu
Zontes 125-G1 (part-ex'd). Yamaha Tracer 700.
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

trevor saxe-coburg-gotha
World Chat Champion



Joined: 22 Nov 2012
Karma :

PostPosted: 07:55 - 01 Oct 2023    Post subject: Reply with quote

iirc i pay about £100 - £150 for a zx9r 3rdPF&T, ditto for a 1150gs

old bikes, safe area = quite cheap premium (I declare 6 points from 4 years ago as well)
____________________
"Life is a sexually transmitted disease and the mortality rate is one hundred percent."

Mobylette Type 50 ---> Raleigh Grifter ---> Neval Minsk 125
 Back to top
View user's profile Send private message You must be logged in to rate posts

Fat Angry Scotsman
World Chat Champion



Joined: 12 Jan 2021
Karma :

PostPosted: 11:38 - 01 Oct 2023    Post subject: Reply with quote

DaddyStu wrote:
Just insured my 2016 Tracer 700 for £370. Mid 40s just passed my test. No no-claims bonus on car or bike. If that gives you any idea.

However, the range of quotes was ridiculous all the way up to £1400.


That's crazy, I just insured my new bike, early 30's, have 3 years NCB on bikes but an SP50 FPN and I was £780 best quote for fully-comp. Most expensive quote was up at £1,100ish.

I think considering you just got your license and have no NCB then you won a watch on that quote. Was it fully comp or TPF&T?
____________________
PRESENT: 2018 BMW S1000XR SE Sport.
PAST: 2009 Kawasaki ER-6F. 2021 Zontes ZT-125U.
 Back to top
View user's profile Send private message You must be logged in to rate posts

DaddyStu
Crazy Courier



Joined: 19 Jan 2023
Karma :

PostPosted: 14:41 - 01 Oct 2023    Post subject: Reply with quote

Fat Angry Scotsman wrote:


That's crazy, I just insured my new bike, early 30's, have 3 years NCB on bikes but an SP50 FPN and I was £780 best quote for fully-comp. Most expensive quote was up at £1,100ish.

I think considering you just got your license and have no NCB then you won a watch on that quote. Was it fully comp or TPF&T?


Was fully comp - many quotes were sub £500 then it got silly like I said all the way up to £1400. Bike is on the drive anchored and 2x disc-locked and I live in a decent area. Went through Bikesure in the end.
____________________
Daddystu
Zontes 125-G1 (part-ex'd). Yamaha Tracer 700.
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

doggone
World Chat Champion



Joined: 20 May 2004
Karma :

PostPosted: 14:52 - 01 Oct 2023    Post subject: Reply with quote

On TPFT my XSR700 is about £55 and CRF250 about £60.
The small bike is worth half as much but higher risk it doesn't have immobiliser for a start.
This is rural North Yorks but still an example of unexpected weightings perhaps.
If doing online quotes play with some variables it is not unknown for fully comp to be cheaper as they use a different insurer.
If you have a meaty locking chain they might think ... Hmmm must be risky area and quote more than for none. Confused
Shopping round will almost certainly get lower quotes and could be 50% lower or more.
 Back to top
View user's profile Send private message Visit poster's website You must be logged in to rate posts

blurredman
World Chat Champion



Joined: 18 Sep 2010
Karma :

PostPosted: 15:06 - 01 Oct 2023    Post subject: Reply with quote

5 bikes for £126.
____________________
CBT: 12/06/10, Theory: 22/09/10, Module 1: 09/11/10, Module 2: 19/01/11
Past: 1991 Honda CG125BR-J, 1992 (1980) Honda XL125S, 1996 Kawasaki GPZ500S, 1979 MZ TS150.
Current: 1973 MZ ES250/2 - 17k, 1979 Suzuki TS185ER - 9k, 1981 Honda CX500B - 91k, 1987 MZ ETZ250 (295cc) - 38k, 1989 MZ ETZ251 - 50k.
 Back to top
View user's profile Send private message Send e-mail Visit poster's website You must be logged in to rate posts

Villers
World Chat Champion



Joined: 13 Sep 2004
Karma :

PostPosted: 15:07 - 01 Oct 2023    Post subject: Reply with quote

Isn't it right that insurance has taken a bit of a hike recently? Cars due in January and it's never cheap for some reason.

I do feel for people who have high premiums for no reason other than where they are. I live in the North West, and with zero no claims and a licence held for 20 years (I'm 41) was only 160 quid fully comp on the Sv1000. Car is more than that and it's no sports car!
____________________
RS125 > CBR6 > SV650S > ZX636R > GSX1300RZ Hayabusa > 06 RSVR Mille > SV1000S > Street Triple 765 RS
 Back to top
View user's profile Send private message You must be logged in to rate posts

megaross
Borekit Bruiser



Joined: 27 Feb 2018
Karma :

PostPosted: 11:19 - 02 Oct 2023    Post subject: Reply with quote

It varies. Some blokes in London? 2-3k

When I had my bikes garaged in a quiet cul se sac the tiger was £120, the bandit was £70.

Now the tiger lives on a driveway in a semi urban terraced road and it's £230 which is roughly what the bandit was when I parked it in a carpark in a shithole part of town.

But I'm 32 live on the nicer side of Swindon, 3 points for speeding, no crashes or claims and NCB coming out of my arse at a rapid rate.

It varies where you sit in the model for the broker - a human isn't assessing it. Big data is a mammoth concept but if you imagine a risk model being built up of thousands of sliders, where you're placed on them will come from all sorts of sources and be constantly changing.

At the end it spits out a quote having worked out the risk and what they need to charge to make money. Well, insurers make most of their money in investment these days but I digress - it's all a moot point.

You can ask the why but you're asking a huge huge question that does nothing except satisfy curiousity. Your quote is your quote, you can often negotiate but there's a limit.
____________________
'07 Tiger 1050
 Back to top
View user's profile Send private message You must be logged in to rate posts

Easy-X
Super Spammer



Joined: 08 Mar 2019
Karma :

PostPosted: 15:51 - 02 Oct 2023    Post subject: Reply with quote

megaross wrote:
...live on the nicer side of Swindon...


Swindon has a nicer side?! Laughing Laughing Laughing
____________________
Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter
 Back to top
View user's profile Send private message You must be logged in to rate posts

Polarbear
Super Spammer



Joined: 24 Feb 2007
Karma :

PostPosted: 18:39 - 02 Oct 2023    Post subject: Reply with quote

Easy-X wrote:
megaross wrote:
...live on the nicer side of Swindon...


Swindon has a nicer side?! Laughing Laughing Laughing


The side farthest away from Oxford according to the footy fans. Wink
____________________
Triumph Trophy Launch Edition
 Back to top
View user's profile Send private message Send e-mail You must be logged in to rate posts

megaross
Borekit Bruiser



Joined: 27 Feb 2018
Karma :

PostPosted: 06:56 - 03 Oct 2023    Post subject: Reply with quote

Easy-X wrote:
megaross wrote:
...live on the nicer side of Swindon...


Swindon has a nicer side?! Laughing Laughing Laughing


I was waiting for this. Yes, the inbred ones live over to one side of town and the rest of us enjoy relatively cheap housing, brilliant surrounding roads (Cotswolds north, numerous options south, wales only down the road) and some of the best rail links you can really get.

I mean there's nothing actually here but that's a moot point if everywhere else is so easy to get to.

Basically: Best bit about it is how easy it is to leave Swindon Very Happy
____________________
'07 Tiger 1050
 Back to top
View user's profile Send private message You must be logged in to rate posts
Old Thread Alert!

There is a gap of 189 days between these two posts...
coldbluts This post is not being displayed because it has a low rating (Spam). Unhide this post / all posts.
  Display posts from previous:   
This page may contain affiliate links, which means we may earn a small commission if a visitor clicks through and makes a purchase. By clicking on an affiliate link, you accept that third-party cookies will be set.

Post new topic   Reply to topic    Bike Chat Forums Index -> New Bikers All times are GMT
Page 1 of 1

 
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum
You cannot attach files in this forum
You cannot download files in this forum

Read the Terms of Use! - Powered by phpBB © phpBB Group
 

Debug Mode: ON - Server: birks (www) - Page Generation Time: 0.13 Sec - Server Load: 0.34 - MySQL Queries: 18 - Page Size: 131.58 Kb