Insurance dilemmia....

[Andy C]

ok, i looking at getting another bike and rang my insurers (carol nash) to see if i could get some quote and to keep it simple i just asked them quotes on a: 2000 Kawasaki zx-6r

So they pass me though to some deptartment and have to say they were very helpful not like some call centres i have called

I tell them i want to change the bike on the policy and they put it in their computer and the results arnt good. Ive got 6 months left and they couldnt swap it over and would have to take out a new policy.

Whats really annoying though is in december the quote (with 2 NCB) is £700 TPFT which is quite frankly amazing since ill 18 then!!

Also, if i had left my RS125 insurance running i would have 2NCB next month and for the £38 i got refunded i would have done if id known this was going to happen

So i dont know what to do, i cant afford the stupid insurance of £1700 and could get it down to £1000 ish but thats still too much if in december it would be £700 TPFT !!!

So what would you do in my situation? these are my options i think:
1. Get something cheap and rubbish and wait till december and get a winter bargin
2. Get it and bend over for the stupid amounts of money ill have to pay insurance
3. Get a smaller bike (was talking to Craig23 about a RVF400 which would be very nice but still undecided)
4. Other (you have to tell me what!!)

The only problem with option 1 is that i only have a year left here till uni and wanted a zx6r for the whole year not half of it, esp for the summer aswell

I really hope someone can help me as i really dont know what to do now as ive got £2k max and this would just get me a zx6r and i could pay for insurance monthly but would rather wait till december and get it at £700
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99 RS125 --> 02 SV650s --> 03 Speed Four --> 92 RXS100 --> 93 CB400sf --> 01 CB600f Hornet

[Groove]

RVF!
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|| Past: 1991 Kawasaki ZXR 250 ~ 2003 Honda CBR 600 F Sport ~ 2004 Kawasaki ZX6R B1H 636 ~ 1999 Yamaha R1 ~ 1999 Kawasaki ZX6R J ~ 2004 Kawasaki ZX6R B1H 636 ~ 1998 Honda VTR1000F Firestorm ~ K1 GSXR 600 Track bike ~ K6 GSXR 1000 ~ 2006 Speed Triple 1050 || Current: 2005 R1 https://www.adrucore.co.uk

[Wave2k]

GSXR750 K2
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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

[Andy C]

[Mrs Kickstart]

Hi,

I think from your post that the RS policy was not converted to the SV. If this is the case you have 1 years NCB you can use from that. (NCB can be used for arround 2-5 are the policy lapsed for most companies) You will need to find policy details of the RS policy you cancelled and get a letter off them confiming the NCB.

I assume the SV was no 0 NCB so thats what they quoted you, also even if you loose the NCB on the SV because of a claim it won't affect the RS one.

Also ring round for a few more quotes if you are taking a new policy.

Hope that makes sense

Regards
C
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[Kickstart]

Hi

Suspect that you will not find the ZX6R comfy for a while once the scaffolding is removed.

Personally I would say go for a cheap, fairly light bike with a fairly upright riding position. Something to get used to riding again without agravating the injury. Come the end of the year it will have served its purpose and you can flog it and replace it with what you really want (and the prices will be lower in winter for what you replace it with).

All the best

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

[Andy C]

[Andy C]

[Kickstart]

Hi

Well, get the cheapy (GPZ500, GS500, CB500, etc, maybe something like an RD350 if you fancy doing some fixing up as part of the fun) and run it for 6 months so you have your extra years no claims sorted. £500~£1000 should easily cover the bike, and choose carefully and you will get most of it back again. Then you can buy a better treat when prices are at the lowest and your stomach muscles have recovered.

All the best

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

[Andy C]

anyone else got any ideas, i think cheap bikr could be the way but really want zx6r!!!! anyone my age (18) got a good quote on zx6r?
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99 RS125 --> 02 SV650s --> 03 Speed Four --> 92 RXS100 --> 93 CB400sf --> 01 CB600f Hornet

[Ste]

£800 tpft with CIA at 18 on a ZX6R.

Expect yours should be cheaper than £1700 once blame has been agreed by insurance companies for your crash.

[firefox]

mce i got a cheaper quote for a zx 6 r for the age of 17 lien saying i had my license for a week give them a try

[colezxr]

try phoneing fast bikes insurance on 0800 289 8555

they gave me the best quote for insuring my zxr400 last week. 299
with free rac.
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Its better to live your life for one hour as a tiger, Than it is to live your whole life like a worm.
past: gilera dna125. kawasaki zxr400h1, honda cbr 900rrr fireblade (currently being sold for parts). present honda hornet 900

[dodsi]

Your not going to be able to buy a decent J model ZX6R for 2K at the moment anyways.

Come november/december you will!

[edd]

get a zephyr 550, they are going well cheap on ebay recently and are actually a cool bike.
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Bluespark Automotive - Diesel Tuning for Performance and Economy

[dodsi]

No they aint.

[zxr-rob]

I've got a ZXR400L with No claims and i'm paying £395 i'm 19, thats with ChoiceQuote

Rob

[dodsi]

Im 20 and with choicequote and pay £401 for the ZX6R

[zxr-rob]

wow thats, good, how many No claims do you have?
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ZXR400L - Pocket Rocket
Maidstone, Kent

[dodsi]

1 years

[colin1]

2001 bike for less than £2k

https://www.bikechatforums.com/viewtopic.php?t=60026&highlight=betty
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colin1 is officially faster than god

[anders]

[Cillit-BANG]

£2k would get you a cracking 400 sports bike.

Gorgous looks, light and agile, cheap to insure, plenty about to pick and choose.

Thats where my money would go.

[Robby]

I'd have a ride of a few sportsbikes once you're fit to ride and see how it feels, and have a ride of something basic and upright too.

You don't want to sink a large amount of cash into a bike thats painful to ride, but you also don't want to sink any money into a bike that bores you to tears.

[Andy C]