400 Insurance After Test

[mrchips]

Well ideally when I pass my test I would like to get a sports 400 for next spring/summer. Providing I keep a clean sheet I should have two years no claims. However, after talking with my instructor today he says I have no chance of getting it insured due to my age and being in NI. If this is indeed true what other bikes would be a possibility apart from the 500s (still wouldn't say no to a GPZ though)?

[Kickstart]

Hi

With NI insurance you will be lucky to get insured on anything such as a 400 or 500. Sorry.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[Wave2k]

im 17 and got a cbr4 at £600 in a very very very bad area
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Ducati 1299 Panigale
2009 Corvette C6 z51
RS125->CBR400->RXS100->GSXR750K2->Ducati749S->CBR600RR5->TL1000R->DRz400->RSVR1000->Honda VTR SP1->CBR400->GSXR1000K6->Honda H100->CBR600RR3->Ducati1299

[Laura]

Wave he is in northern island exremley bad for insurance.
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Good girls ride motorcycles bad girls thrash them.

[Kickstart]

Yep, NI insurance will cost you at least double the same cover on the mainland in a dodgy area.

All the best

Keith
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Traxpics, track day and racing photographs - Bimota Forum - Bike performance / thrust graphs for choosing gearing

[Hillakus]

[Weed]

I've heard that Hanson&Robertson are quite competitive...I was originally quoted £1300 for a CBF500, they got it down to £690.

https://www.insurance2000.co.uk/hanson/default.asp?referrer=

[Ste]

Insurance prices don't mean much unless you know what type of cover they were for. Hillakus you need to call around lots of insurance companies (get Bike Trader and call every single company in the back) and once you have the cheapest few call back around asking them if they can go any lower to beat the quote of £xxx you got elsewhere. Repeat until they all say no.

CIA are normally good for young people.

[Hillakus]

Just tried an online quote from h+r, they still give me a pretty expensive quote of about £1780 for a 125. So far the best I've found for the same deal is Norwich Union of all places, who quoted me at £1200. Interesting eh?

It seems that the insurance brokers are all against us young'uns eh?

[Ste]

Online quotes aren't useful for anything other than for comparing insurance prices for different bikes. They always come out with stupid quotes so they're not even worth wasting your time getting them. As I said get bike trader and phone around all the insurance companies and then phone back around etc. etc. etc. (if you don't know what I mean by etc. etc. I have explained all in my last post).

All insurance companies do charge more for younger people yes, thats because younger people have more claims and so you're more likely than a 40yr old to cost them money.

[Hillakus]

OK so thats being logical! I'll call them all up as soon as I get credit. Which won't be till monday but never mind eh?
I'll shut up now...

*Goes and hides in corner*

[Wave2k]

my RS125 was £900, cos it is a comman crashed bike and it were on a provisional
CBR400 is on full license and not as crashed as the rs125
____________________
Ducati 1299 Panigale
2009 Corvette C6 z51
RS125->CBR400->RXS100->GSXR750K2->Ducati749S->CBR600RR5->TL1000R->DRz400->RSVR1000->Honda VTR SP1->CBR400->GSXR1000K6->Honda H100->CBR600RR3->Ducati1299

[Hillakus]

My buddy Mark, just turned 18, managed to get a 2000 model CBR600F insured for £460. And that was 3 months after he passed his test!!!! Cheap eh??

[mrchips]

Got a quote off Bennetts online as a guide, that was me saying I just turned 18 with a full license and 2 years NCB - £980. Though Bennetts quoted me 800 odd for the AR which everyone else quoted under £300. Maybe if I hunt round I could get it for under 700 at 18 that seems reasonable.

[Marc_Buck]

You can often find that a vfr400 will be insured by a 17 year old cheaper than an rs125, aprilia rs125's are the most crashed bike in britain, guess why, becuase they can be ridden on a provisional.

Pass your restricted access test and for about the same price as insuring an rs125 you can insure a bandit6 , the bandit's can be picked up dirt cheap too, restricted like it has to be will still even beat an rs125 but de-restricted i think they push like 80bhp, that is like 135-40 mph isn't it?
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94 fzr600r

[rizo9]

www.clickquote.com that come up cheap

try it
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New bike https://www.bikepics.com/members/rizo9/01rs125/

[Ste]

Online quotes are a waste of time for anything other than comparing what insurance costs on different bikes will be. You need to use the phone to get your insurance cheaply, ring lots of companys then ask them if they can go lower to be the quote of £xxx. Repeat until they won't.

[california_rookie]

Agreed. Being age 23 and having just gotten my first bike, my initial quote online was for $4,000/yr. Got myself a real live agent on the case and she got it down to $1024 per year. Best idea I'd had in a while, calling her.
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[skyline]

yea the only reason i got a 400 instead of a 125 was the £900 difference on insurance, which i used to pay for my test

internet sites are only useful for cross quoting bikes. my best internet site quote for a nc21 was £795 and i thought that was great so i phoned up to arrange it and was quoted £400 so i was like...ok