Sezageza

My plan isn’t to not restrict a bike but I was more just surprised I can insure bikes that are out of the limit I’m legally allowed to even after a specifically say it’s for my A2 licence by saying restricted for A2. I should have said if I put a restrictor on the bike would I be insured not if I just tick restricted. Don’t want to come across as trying to do anything that makes me essentially an uninsured driver especially on the internet

Getting better luck shopping around but for some reason I’ve found a couple bikes that have more than 94bhp not by a lot but around the 97-105bhp give me stupid cheap quotes even if I say they’re restricted. If I insured it even with the restriction box ticked would I not be covered even though I’m insured, this isn’t just one company it’s about 10 quotes from different companies on the same bikes e.g 2024 Triumph thruxston 1200RS which is ~ 103bhp (claimed)

Looking at 2023+ maybe 2022 when the new owners took over and released the new model variant heard it’s a lot more reliable now. saved about 80% of my money last year and quite happy going down to zero in my account if I have to.

That actually makes a lot of sense now as the MT07 is classed as a high risk same with the cb as it has a decent jump in power at 7000rpm which could end up bad w/o experience whereas even though the triumph has very similar acceleration to these bikes same with the Norton it’s classed as low risk because of the lack of accidents and the bike getting stolen. Still have no clue how some people are getting such cheap quotes in higher risk areas but maybe it’s just a very lucky bug in the system.

I would understand 100% if it was due to power, price even weight as for a newer rider that would be significant but my issue is the fact a £12000 bonneville with over 80bhp and over 100NM of torque also weighing 230kg costs 1/6 of the Honda and also dropping the bonneville plastics would be the same if not more to replace. That’s what doesn’t make sense also I live out of London in a rural part of essex but people in London pay a fraction of what I’m charged with very similar situations (age, garage, 2years NCD, etc)

It honestly does feel like a “random number generator” with the results luckily I found out the Norton commando 961 is under £1000 for full comp and I’ve now fallen in love with it so going with that, that being said second hand it still costs £8000+ so I will hate myself if I drop that. just to add to the post it’s not even CC related a MT03 costs £3100 for full comp and a R3 I can’t even get quoted. Honda CB300R £2500 Guess it’s just luck of the draw regardless of how safe or rural you live

For context I’m 19, live 20 miles north of outer London, 2 years NCD, brick garage. I got quotes for Honda cb650r (6000), MT07 (3500), Royal Enfield GT (450), Triumph bonneville T120 (1400). The bike I really want is the CB650R but I’m not paying 6000 for annual insurance but I don’t understand why classic style bikes cost so much less regardless of power over naked bikes. Also people in London are paying under £1000 for a mt07 at 19, I have the garage, cheaper area, NCD but still they pay a fraction of what I’m charged and I feel like I’m missing something. Any help is appreciated, thanks.