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ElliotReidMD |
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ElliotReidMD Nitrous Nuisance
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ruck bodgers |
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ruck bodgers Trackday Trickster
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Nick 50 |
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Nick 50 World Chat Champion
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TheSmiler |
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TheSmiler World Chat Champion
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mgh0 |
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mgh0 Scooby Slapper
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ninja_butler |
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ninja_butler World Chat Champion
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LockyUK |
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LockyUK Brolly Dolly
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reddeviljp |
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reddeviljp Trackday Trickster
Joined: 21 Aug 2011 Karma :
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ninja_butler |
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ninja_butler World Chat Champion
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Limiter |
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Limiter Derestricted Danger
Joined: 19 Nov 2011 Karma :
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kELKY |
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kELKY Two Stroke Sniffer
Joined: 24 Jan 2012 Karma :
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Posted: 13:36 - 28 Jan 2012 Post subject: |
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Tried about 4 companies so far,
2 have denied me insurance, and the other quoted me £4000!
I thought bikes were supposed to be a cheap alternative...
May have to look at a different bike, even though the R6 does look really nice |
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Ingah |
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Ingah World Chat Champion
Joined: 10 Apr 2009 Karma :
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Posted: 14:54 - 28 Jan 2012 Post subject: |
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kELKY wrote: | Tried about 4 companies so far,
2 have denied me insurance, and the other quoted me £4000!
I thought bikes were supposed to be a cheap alternative...
May have to look at a different bike, even though the R6 does look really nice |
Yes, they are the cheap alternative. Performance vs performance wise.
Why don't you try getting a quote for a car of similar performance. Like a Ferrari?
If you don't want a high insurance premium, don't get a race bike for use on the road (at least, until you have experience to reduce your risk to the insurer). ____________________ -- Ingah |
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kELKY |
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kELKY Two Stroke Sniffer
Joined: 24 Jan 2012 Karma :
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Ingah |
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Ingah World Chat Champion
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kELKY |
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kELKY Two Stroke Sniffer
Joined: 24 Jan 2012 Karma :
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Shinigami |
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Shinigami World Chat Champion
Joined: 14 Feb 2012 Karma :
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Shinigami |
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Shinigami World Chat Champion
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tahrey |
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tahrey World Chat Champion
Joined: 07 Jul 2010 Karma :
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Posted: 15:22 - 16 Feb 2012 Post subject: |
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kELKY wrote: | I get £3000 on a fully comp 1.2 clio with 1yrs NCB
It looks so good though. I'll just have to realise I'm going to have to start small. |
WTF
How young are you and/or where the heck do you live/what are your license endorsements? I mean, from a legal perspective you have to be at least 19 to be on a de-restricted "big bike", even if you did your Mod 1 and 2 together on your 17th birthday. 21 to do DAS.
20 years old, 1.0 Polo (only 1 or 2 groups lower), no NCB at all... I got quoted somewhere around £600-700 I think. Back in 2002, mind, but still...
What are you quoted for a noddy 125 like mine? That comes in at approx 1/4 the price of my car insurance (fairly mild 1.6s, now a 1.5D), so you may be looking at £750 for that... mind that car NCB isn't transferable to bikes, neither. I can still thrash across town plenty quick enough and just about hold my own on A-roads and motorways with a shot of willpower and an unsympathetic hand on the throttle. The performance I guess would be compared to "a Fiat 126 or 2CV after some serious weight-reduction modifications". Initial acceleration is closer to that of the Clio, but then quickly falls off as aerodynamics take hold.
reddeviljp wrote: | Are there any companies that insure YOU and not the BIKE? -snip- |
Well you can get multi-car / multi-bike policies, but you are still insuring all the machines together rather than yourself. It doesn't work like the AA etc The only way you can have yourself insured for any car/bike you choose to pilot is by registering as a member of the motor trade and using trade plates.
Thing is, even on 3rd party, you're still insuring the machine for any damage it may cause even when you're not in charge of it. EG the car's handbrake fails and it rolls out of the car port, out onto the road and into the side of a bus. Or the bike somehow falls off it's stand and onto a kid, or has an electrical short and burns down a shared garage block thanks to being full of petrol and other flammables.
Or, if you're only going to use it a few days or weeks out of the year, just go for a short-term policy, and keep it securely locked away in a condition where it can't harm people or possessions at all other times... |
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lycan_barry |
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lycan_barry Two Stroke Sniffer
Joined: 13 Mar 2012 Karma :
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Bred2shred |
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Bred2shred Scooby Slapper
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Martylaa |
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Martylaa Two Stroke Sniffer
Joined: 20 Apr 2012 Karma :
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jonbee56 |
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jonbee56 Trackday Trickster
Joined: 29 Apr 2012 Karma :
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Derivative |
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Derivative World Chat Champion
Joined: 03 Aug 2010 Karma :
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_matt |
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_matt Trackday Trickster
Joined: 08 Jun 2012 Karma :
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sbeeland |
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sbeeland Two Stroke Sniffer
Joined: 05 Mar 2011 Karma :
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