Motorbike insurance for 16 year old

As a 16-year-old, I am looking for a bike. I was thinking of buying a 125cc so that it can be restricted to a 50 for now and then unrestrict it when I'm 17. However, the problem is almost every insurance quote doesn't allow me to put in a 125 or if they do, the price is stupid high like 4000 pounds a year. Can someone help me and tell me a way in which I can lower the insurance or do I have to buy a 50? The websites that do allow me to insure the 125 are very high, and when I add in a modification of the restrictor, the insurance goes even higher.

Thanks

Hello and Welcome

You can only ride a 50 at 16!

You can't restrict a 125 to 50

I didn't realise that, thanks. Any recommendations for used bikes for a 16 year old? I dont really want something like an aerox but more of something like the generic trigger or rieju rs2

I admire your enthusiasm but you may well be best advised to save your money until you are 18 and get a really good 125.

Yeah I was thinking of waiting but I have about 10 months till I'm 17 and I need a way of getting to college and getting a bike seems the best way. Plus i can have a bit of fun

What about TP only then? I'm sure it would be cheaper? Unless £4k is TP Only!

I'd say buy a 50cc then bend over the barrel for a few years till you earn some ncb

Yeah, I don't really know which 50 to go for, I found a nice genetic trigger for 950 pounds and insurance would be another 580 roughly.

What about the gilera runner 50cc as peds go they aren't bad might be getting long in the tooth but reliable

I've seen a few gilera's and they are quite nice and cheap. When it comes to triggers are they reliable? Also should I be going for comprehensive insurance or tp? It cuts about 200 off.

Many thanks

Sometimes comprehensive is cheaper. So make sure you check both.

Is it worth it to buy a trigger for 900 and then insure tp only for 300?

Is it worth it to buy a trigger for 900 and then insure tp only for 300?

Check what excess they're putting on you. If it's a fair chunk of the value of the bike then fully comp isn't worth it. In which case TP makes sense.

Alright thanks for the help everyone. I was just unsure whether to buy a generic with 13000km on it as its a chinese brand, so i dont know the reliability

Alright thanks for the help everyone. I was just unsure whether to buy a generic with 13000km on it as its a chinese brand, so i dont know the reliability

I would stay clear from any Chinese brand bikes. I've heard bad things about the reliability on them.

yup I'm avoiding Chinese bikes now, instead I am looking at an Aprilia sx50 2007 but it seems quite small and needs a front calliper replacement

Hi, for a first bike at 16, I would get a moped just because the 50cc geared bikes are not too great, however I have actually got a generic trigger an 50 2014 plate an it’s runs and rides lovely, very smooth everyone cusses these Chinese bikes off but it all depends on how you maintain them , if you look after your bike your bike will look after you, the trigger sm has a comfortable sitting position isn’t too slow when de restricted, you’ll be lucky to get over 40 mph with standard sprockets, I got a 13t on front and 55t on rear, an it’s keeping up with traffic at 40mph cruising it’s rather cheap insurance too