Comus1964

Yes i agree with what you say i also have had a couple of motorbikes stolen but never a car, and all the bikes stolen have been smaller capacity bikes...the one that still makes me sick is I had a minter Suzuki X7 Stolen and the theifs dumped it in as field and set it on fire..I cant afford to buy another one

Ouch that is painful however.... i can see that you Bike is a 2011 model...i kept well away from newer bikes as the premiums were in the £800 to £1000m catagory... I looked at a 10 year old CBR1000 with low milage and that was like a grand to insure yet a 20 year old model with similar milage was nearer £550.00 the way i look at it im happy to ride a 650 for a couple of yerars until the insurance premums go down and then hopefully insure a 1000cc or similar for the same price.. oh and regarding the VX800 for £190 you have to take into consideration the age of the bike (1994) the BHP (60) and my age (60) unfortunately i got beaten to the post on that one

I guess that makes sense..however im lucky enough to live in a place with private parking well away from a main road which just happens to be overlooked by CCTV, so that should significantly positivly effect my insurance premium but £250 for a 125 in laughable...not that i even planned on buying a 125..one thing i have noticed is that the newer the bike the higher the premium so im guessing you premium has shot up perhaps the Guzzi is maybe higher BHP or a newer model

Hi Guys As im currently in the market for a motorbikle iv been getting as lot of Insurance quotes which make for interesting reading and i was wondering if those more knowledgable than myself on the subject of what factors make up an insurance quote may be able to expain some of thes quotes i have had recently. im 60 years of age and have had motorbikes pretty much continuously since i was 16 years old, and have held a full bike and car licence since i was 17, up until 5 years ago i had full protected no claims bonus for 10 plus years, then due to finacial reasons i took a break from vehice ownership for the last 5 years. Im trying to get my head around why a CB125 is considerbly more expensive to insure than a VX800 and why a sinnis single cylinder 20bhp 250 is more expensive to insure that a Honda Hornet or a Suzuki Bandit which are far more powerful and fast bikes. and why would a GS500 cost more to insure than a Honda Hornet ? Does anyone know if you dont make a claim how many years is it before you insurance starts to drop considerably ? Eventually i want to get more modern bike in the 1000cc 140bhp or more area but curently i can afford but refuse to pay what the insurance companies are asking as most will cost me between 4 to £600 to insure at least but i really need to get the insurance cost to reduce considerably...I dont think i have ever previously paid more than £200 a year for motorbike insurance regardless of the age, CC or BHP of the Bike. my own concusion (wether right or wrong) is regardless of BHP the age of the bike relates to how much you are going to pay for insurance, as the 125 and 250 bikes are the most modern so i can only assume that i can insure an 80 Plus BHP bike much cheaper than an 11bhp or 20bhp bike because of how new or old they however that does not seem logical to me at all

Apologies that it has took me a while to get back to you on your thoughts on Motorcycle insurance... however you may be in the financial catagory where you can afford to complain about the price of insurance but pay it anyway, unfortuately im... not i have a total budget in mind which i wont spends more than, and that total budget has to take into consideration, Insurance , Tax and MOT plus the cost of the bike and and buying the neccessery Helmet leathers, boots gloves etc..so the way i am looking at it is for the first couple of years im not going to spend more that £200 a year on insurance means i can spend more on the bike hence i can get a better more lower mileage model for example..and i dont feel like im being completely ripped of by the money grabbing insurance companies. Up until 4 years ago i could insure a high performance modern 1000cc bike for the same price now that i can afford to insure a 125ccm for which is just ludicrous and considering im 60 years of age im not exactly in the insurance hooligan catagory of age group... Hindsight is a wonderful thing... if i had had an idea that taking a break from owning a motor vehicle for 5 years would have such a massive impact on my inurance prices i probably would have contued to insure perhaps the cheapest motorbike i could find to keep the yearly price low ..my last bike was a Suzuki GSXR 600 which cost me £150,00 to insure fully comp because of my age and the fact that i had the full quota of NCB, if i was to now try to insure that same bike it would cost me more than £450.00

I would if i was willing to be ripped of by Insurance compnies i might need to wait for a few years before buying anything above 75bhp

Wow thank you for giving your indepth impression of the Benelli..I have to be honest where i live in the south of England i have not seen one come up for sale within 50 miles of where i live, after your advice i would give one careful consideration for sure as those are some pretty impressive fuel consumption figures. I would hope that after a couple of years of accident free biking i would be able to afford the insurance on ahigher BHP bike as i really refuse to pay rip off insurance comanies more than £200 a year for fully comp insurance and currently any think of more than say 75bhp is out of the question,,I recently got offered a reasonably low mileage Suzuki RF900 which is 125bhp bu the insurance costs even 3rd party where ridiculous at around £400 and for someone who has had a full bike licence since 1980 and owned probably 20 different various capacity Bikes over the years..i refuse to pay that much for insurance, so i need to wait until the insurance costs go down before getting a larger capacity machine. Thanks again for advising on the pros and cons of the TRK500

Thanks for the suggestion... to be honest no bike is out of the question dpending on mileage, fuel economy and how much it is to insure..i have to take all of these factors into consideration,. had i known i would off lost my full quota of No claims bonus and have to start from scratch, I might have just bought the absolutely cheapest bike available to insure just to keep my no claims bonus intact..but no use crying over that now as its gone

really apprecite your feedback on the BMs... with current price of petrol 60 to 65mpg is very good mileage

hi thanks for the suggestion.. Yes i am considered the 800 and the 650 Beemers as they will be more economical and cheaper to insure

Hi fellow Bikers Im wanting to get back into biking after a 10 year break however previous to that i had bikes all my life getting my first bike at 16. Previously i had full no claims bonus on my insurance but i havnt had any kind of motor vehicle for the last 6 years so my no claims bonus has expired so even though im 60 years of age according to the Insurance comanies im now a newbie again so a ZX10 or CB100R are completely out of the question unless i want to spend £1000 a year or more on insurance. Im looking to bike on a budget so bearing in mind the current cost of Petrol in the Uk being what around £7.50 a gallon or more and i really dont want a small capacity motorbike as i do plan to do a bit of touring around, so i need something that is pretty cheap to insure of a decent size capacity and is quite economical. I have been looking at some of the big BMW touring motorbikes as currently they seem to be available with quite low mileage for £2000 to £2500 for an older model air or oil head, they are also quite cheap for me to insure at around £200 a year and they are also quite economical as i want at least 50 miles to the gallon...the big but is im aware they will be very heavy so what are they like to live with everyday..? to say do a daily commute on, handle around town and through the twisties ? I really dont want to waste my money on a bike that is just to heavy and combersome to just jump on and go for a ride when ever I want to and i suspect this may be the case as why else would there be so may large capacity touring bikes of every variety for sale on all the usual sites for such cheap prices. I wouold appreciate anyones input especially from owners of these type of bike who have experience of using them for everyday riding..thanks in advance