Help with bike and insurance

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ArranCole11
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Help with bike and insurance

#1 Post by ArranCole11 » Wed Dec 12, 2018 1:50 pm

So i'm currently 16, i turn 17 in january and am hoping to complete my cbt and then aquire an a1 licence, the only problem is that everything seems to be costing more than i can afford, most of all the insurance.

I can find bikes for some reasonable prices (trying for something under £1000) but each time i'm looking for insurance quotes, the lowest i've gotten is around £1000 third party only with security systems and markings, and I would most likely keep it on a 'driveway'. I was thinking over £100 a month with a £150 deposit seemed like quite a lot and i am just wondering if i should keep trying to look for better options or is this what i should expect from everywhere?
(This was for an Aprilia rs 125)

Would really appreciate some help from anyone who can give it. Cheers. And hi :)

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Re: Help with bike and insurance

#2 Post by Speedy23 » Wed Dec 12, 2018 3:02 pm

Welcome to the wonderful world of motor insurance. The only light at the end of the tunnel is that will eventually get cheaper. .....when you're about 25!
Whatever you do, don't be tempted to bend the truth......if you do have an accident, the 3rd party claims. .....and you then find you haven't got any cover because the insurers have found out that you haven't been truthful, then you're in deep sh*t. So all you can do is keep looking. Sometimes you will find smaller brokers or companies that can do a better deal than the big boys. Have you tried ebike?

Good luck.
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Re: Help with bike and insurance

#3 Post by Westbeef » Wed Dec 12, 2018 3:07 pm

You can expect those prices and espcially on the bike you've chosen.

Also don't bother with the A1 licence it's a waste of time, unless you really need to use a motorway or take a pillion.
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Re: Help with bike and insurance

#4 Post by goat » Wed Dec 12, 2018 3:14 pm

Try some other bikes, particularly ones a bit less sporty looking and without fairing. Naked bikes seem to be cheaper to insure for new riders if I remember correctly. Likely it will be expensive though.
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Re: Help with bike and insurance

#5 Post by mikestrivens » Wed Dec 12, 2018 3:24 pm

Hello. Welcome to the world of the insurance rip off. My friends 18 daughter was quoted over £5000 to insure her little Ford Ka. She did get it slightly cheaper by shopping around but it is always going to be very expensive especially for the first year, until you have built up a no claims bonus. Bikes can be even worse if you live in a dodgy area, keep bike in view of road and don't have multiple security devices.
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Re: Help with bike and insurance

#6 Post by Slowlycatchymonkey » Wed Dec 12, 2018 3:34 pm

At £100 per month it might be worth renting some garage space from someone nearby, especially if you’re only 3rd party.

It is also absolutely worth ringing the two companies who gave you the lowest quote, don’t tell them any reference numbers for online quotes because they will lazily just go along with these but if they start from scratch they know how to keep it low. Then regardless of how much they pressure you to take the policy out immediately ring another company- do not tell them your other quote value and if they don’t beat it then tell them what the other company is doing it for. If the second quotes better go back to the first company and say “can you better this quote”
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My 125 was £500 in the first year (I’m much older than you), the next year I was quoted as £280 on the renewal and pushed down to £120 using the above method.

It gets better after the first year even if you’re young so ask the insurance company what it would be after a years experience and no claims because it also depends how long you can stomach a higher price.

As the others have said try different bikes and be honest or it can come back to bite you.
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Re: Help with bike and insurance

#7 Post by Six30 » Wed Dec 12, 2018 4:10 pm

ArranCole11 wrote:
Wed Dec 12, 2018 1:50 pm
So i'm currently 16, i turn 17 in january and am hoping to complete my cbt and then aquire an a1 licence, the only problem is that everything seems to be costing more than i can afford, most of all the insurance.

I can find bikes for some reasonable prices (trying for something under £1000) but each time i'm looking for insurance quotes, the lowest i've gotten is around £1000 third party only with security systems and markings, and I would most likely keep it on a 'driveway'. I was thinking over £100 a month with a £150 deposit seemed like quite a lot and i am just wondering if i should keep trying to look for better options or is this what i should expect from everywhere?
(This was for an Aprilia rs 125)

Would really appreciate some help from anyone who can give it. Cheers. And hi :)

https://www.bikerandbike.co.uk/excess-i ... ffordable/
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ArranCole11
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Re: Help with bike and insurance

#8 Post by ArranCole11 » Wed Dec 12, 2018 4:43 pm

Can anyone recommend a good cheap naked bike or other for the actual price not the insurance, ive had a look and would even like a naked better than a sport because I think they look better but I just can’t find one at a similar price of like £800
Cheers.

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Re: Help with bike and insurance

#9 Post by Tango » Wed Dec 12, 2018 8:55 pm

You're in YBR125 or CG125 territory in that price range......but both are good bikes.....and I think insurance quotes should be better too.... 8-)
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Re: Help with bike and insurance

#10 Post by goat » Wed Dec 12, 2018 9:38 pm

https://rover.ebay.com/rover/0/0/0?mpre ... 2882893209

Not saying I would buy this (seller with no feedback who suddenly needs to leave the country!) but they are out there.
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Re: Help with bike and insurance

#11 Post by rennie » Wed Dec 12, 2018 10:04 pm

Hello and Welcome :D

I agree! look at YBR, CG etc. not the sporty more nickable ones
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