Stupid insurance quote - HELP! - sorted now

Anti-Theft Devices & Insurance related issues...

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St.George
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Stupid insurance quote - HELP! - sorted now

Post by St.George » Nov 30th, '09, 15:03

Although I've been into bikes for years, I'm new to the actual riding side of it so here goes....

I passed my test in September and have been looking around for a bike to buy when I get back to the UK in December.

I'm 27 Years old, no no claims obviously, got a mortgage, a garage and the bike is being bought purely for leisure. No motoring or criminal convictions etc etc.

Got a quote through Bike Trader for a 53 reg CBR 600RR valued at £3,600.........................£9781.90 fully comp. I nearly had a heart attack!

Anybody else think this is slightly excessive?? I'm new to this but it seems that insurance companies just take the Michael!! :?

Anyone got any pointers to companies who specialise in new riders? Help would be greatly appreciated.

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Re: Stupid insurance quote - HELP!

Post by billinom8s » Nov 30th, '09, 16:03

ouch

will it be garaged ? Alarmed ? Sometimes this helps.

Trouble is you are seen as a big risk on a full on sportsbike. Have you tried the likes of mce and ebike for insurance.

Age doesn't seem to matter with insurance, tends to be bike group/performance x years license held.

Try looking at older bikes, blades, gixxers, R1s. As they seem to be cheaper to insure bujt still have the ability to make you smile
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St.George
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Re: Stupid insurance quote - HELP!

Post by St.George » Nov 30th, '09, 16:11

Yeah it will be garaged and I think the 53 reg onwards come with HISS a standard or am I wrong?

Looks like I might have to look at older models or even look towards the likes of the Hornet or the Bandit for a year or two to build up some no claims.

I knew it wouldn't be cheap getting started but nothing prepared me for that.

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Re: Stupid insurance quote - HELP!

Post by deej » Nov 30th, '09, 16:24

Who quoted you that,I'll guess at carole nash


I've just insured the duke with mce insurance but went through gocompare.com. Weirdly it was 30quid a year dearer going direct than it was using a comparisson site. Use gocompare or mcn's compare site as it means only inputting your details once
http://www.averysmotorcycles.co.uk use code SWB10 for discount

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bambam
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Re: Stupid insurance quote - HELP!

Post by bambam » Nov 30th, '09, 16:43

thats absolutely ridiculous :roll: :roll: :roll:

the honda will have HISS as standard for defo if it's a rr3 model.....as i had one.
cracking bike by the way 8) 8) 8)

have you tried an insurance comparison site.there is plenty to choose from.

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St.George
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Re: Stupid insurance quote - HELP!

Post by St.George » Nov 30th, '09, 16:56

I went through the comparison engine on Biketrader and it came back with that quote from a company called Red Star?? Never heard of them.

Just been through comparethemarket.com and inputted the same details but went for TPFT and got a quote for £329.00. The difference is criminal!!!!

Really does go to show that it pays to shop around. As for it being a cracking bike, have been torn between this and the Trumpet 675 for a while but the latter is just out of reach in terms of budget.....unless anyone knows anyone selling one for around the 3,500 mark?? :)

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bambam
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Re: Stupid insurance quote - HELP!

Post by bambam » Nov 30th, '09, 17:01

yep that sounds about right.
the first couple of years i was tpft due to the cost.
now i'm a aged old washed up has been i get cheaper insurance :roll: :roll: :roll:

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St.George
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Re: Stupid insurance quote - HELP!

Post by St.George » Nov 30th, '09, 17:07

bambam wrote:yep that sounds about right.
the first couple of years i was tpft due to the cost.
now i'm a aged old washed up has been i get cheaper insurance :roll: :roll: :roll:
Your only as old as you feel bambam :lol:

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Re: Stupid insurance quote - HELP!

Post by layne » Nov 30th, '09, 17:10

St.George wrote:
bambam wrote:yep that sounds about right.
the first couple of years i was tpft due to the cost.
now i'm a aged old washed up has been i get cheaper insurance :roll: :roll: :roll:
Your only as old as you feel bambam :lol:
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Re: Stupid insurance quote - HELP!

Post by Funky » Dec 4th, '09, 13:05

Must resist unhelpful derogatory comment...


have you tried confused.com?

they seem to sort me out most years. £148 fully comp this year.
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Re: Stupid insurance quote - HELP!

Post by TLS-Moose » Dec 4th, '09, 13:18

Funky wrote: Must resist unhelpful derogatory comment...
Unusual for you :roll:

Funky wrote: have you tried confused.com?

they seem to sort me out most years. £148 fully comp this year.

given your record, are you sure that's not per month :shock:
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Re: Stupid insurance quote - HELP!

Post by billinom8s » Dec 4th, '09, 16:07

i am sure all those write-offs were in his last insurance year so they probs don't know about his continuing battle with centrfugal force.
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Re: Stupid insurance quote - HELP!

Post by deej » Dec 6th, '09, 10:42

St.George wrote:I went through the comparison engine on Biketrader and it came back with that quote from a company called Red Star?? Never heard of them.

Just been through comparethemarket.com and inputted the same details but went for TPFT and got a quote for £329.00. The difference is criminal!!!!

Really does go to show that it pays to shop around. As for it being a cracking bike, have been torn between this and the Trumpet 675 for a while but the latter is just out of reach in terms of budget.....unless anyone knows anyone selling one for around the 3,500 mark?? :)
red star are usually the underwriters to the policy,i know they have been on some of mine over the years.

anyways i just paid £86 with mce insurnce and that included adding the wife as a named rider
http://www.averysmotorcycles.co.uk use code SWB10 for discount

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St.George
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Re: Stupid insurance quote - HELP!

Post by St.George » Dec 7th, '09, 12:08

Happy Days. Been through compare the market on a few different bikes now and I seem to be getting some good figures. Cheers for the recommendations - now I've just gotta get the bike............

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123luvaman
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Re: Stupid insurance quote - HELP! - sorted now

Post by 123luvaman » Apr 28th, '10, 00:16

im with mce and im paying 23 pound a month aged 20 on a gpz900 r and 6 points work going to http://www.thebikeinsurer.co.uk/

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