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For the above rider MCE as with me was probably the only way to get on the road (in terms of providing an affordable insurance quote), i'm unable to understand what factors caused the excess on his policy to be so ridiculously high but I don't own the same bike so can't compare quotes to to my policy in this case. Young riders can only dream of such a figure, of which at that point will make riding bikes more enjoyable (just because the running costs are alot cheaper). Getting on the road for the first time is always the worst as I've told friends just because it's all money money money until you get up and running. Who knows how the insurance market works "££££££" would be my guess.

Even with voluntary excess the compulsory for the younger market is still sky high, it most cases you'd probably have to put the bikes value as voluntary for the compulsory to vanish, so you're never winning, for the younger generation NCB and experience seems to be the only way to bring quotes down. I think the UK should adopt Austria's default TPO "right to drive" policy where you can buy a motorbike and drive away straight away with the equivalent of our TPO. Insurance companies in general know that they provide a service that is unavoidable and as said above "pressing a few buttons on a computer and coming up with a number" that we are forced to pay, ridiculous.

Excess is worse than the actual insurance itself for young riders, I've experienced the quotes and they're not a pretty site. The excess on TPFT for young riders is often so high that you could buy the motorbike again, as was almost the same in my case. Sad and annoying to hear that his goal was taken away from him after so long of working towards it. The only thing worse than the above is the situation with the insurance company, i'm with the same company and read the reviews before taking out my policy so I new what to expect and what to look out for, all I can say is that the company is cheap for a reason, without MCE I wouldn't be on the roads until I won the lottery, but with it I can work towards researching the market and quotes I receive when my policy is up. I haven't really had any bad dealings with the company, but that's mainly because so far all they've done (like any other insurance company) is take my money, witch would keep a smile on anyone's face right? In the situation that the motorbike is recovered am I right in saying that since it's stolen it would be the property of the insurance company, or would it be returned to the 17 year old owner (as no claim was made?).. either way I hope the bike finds its way back to its rightful owner sooner rather than latter. The only other hurdle that remains in this situation is what to do with the insurance policy (ie; cancel or continue to pay), now that you've declared it as stated it's on there record, if insurance companies don't share details (not sure if they do) then surely taking out a policy with a different company in the future is like starting all over again (the best possible outcome?).. Heres to the best possible outcome whatever it may be for the biker

Adding to the above there are companies on the island that hire bikes out during the event but finding one and inquiring about them way before hand is advisable as I read that companies sell out quickly during this period. Sounds like an event that unless you live on the island itself requires a lot of planning.

Agreed, last one being the clips for a rainy day if I remember correctly, this time of year there really isn't a great deal of enjoyment to be had while out on the roads (unless there's some sun, like today, and this week predicted) more about not coming of and avoiding ice as much as possible. Think the vloggers from Australia, america and Canada have more content at this time of year due to the sun. There can never be enough videos to watch, even if some are repeats.

If it wasn't for the price of lids I'd upgrade myself as mine doesn't even have a pinlock let alone a sun visor. I guess this just cements that it's a worthwhile investment when the time is right. Not sure if you watch "motovlog's" but there is a youtuber "RoadcraftNottingham" that recommended a microphone that was less than £3 and was meant to be worth every penny. Only annoying thing about the Drift HD is it has a 2.mm as opposed to a 3.5mm headphone jack, just means one more small external plug.

One of the main reasons I got into riding a motorbike was because of "vloggers" on youtube as well of being a childhood passion of course. Now that I'm on the road (or temporary of the road because of snow/ice), I just wanted to ask what the practicality of a helmet camera was? I have some slight interest in wanting to try vlogging when I get more confident riding early next year, but didn't want to invest in a camera solely based on this idea (as I've done similar things with technology before and now have un-used expensive gadgets). Insurance claims being another useful reason to have one for example, any others? + If anyone uses a helmet camera what's the difference between riding with and or without one (first transitioning/using one).

Visited the IOM TT website and there are many different ticket prices and options, might be worth having a look at the race day/practice day dates etc before buying anything (also accommodation). http://shop.iomtt.com/Tickets Hope this helps.

I do have some ACF-50 to prepare the bike for the battle against the road salt, slight rust at the top of the downpipe in small patches, battling to clean it off. The bikes are certainly forgiving and holding up well in the worse of weathers, I look forward to providing slow and steady updates.

Hi all, Lets start of with "lexmoto" just re-brand and sell other bikes with their name on it, so truly I doubt to see how this can be a review of a bike that in theory doesn't belong to the person it claims to be. Secondly, and most importantly, but it from a dealership with a good reputation and one that's close to your house, a good reputation because someone who has been in the business a while and knows the common problems with these machines will have no problem in telling you the truth about them, and a close dealership because even from brand new these machines can brake down unexpectedly. I will add that the only reason I am able to work overtime and earn any form of income is because I rely on my motorbike to get me to and from work, and as a first motorbike and commuter this bike is brilliant for the small towns and fitting through the gaps in traffic (if you're confident enough at riding). Lets just get this out the way; Pros; - Cheap £849.99 (brand new without registration fee - 21/12/2014) - Between £8-10 petrol to get a full tank (21/12/2014 £1.16 aprox). - Petrol last between 60-100mpg (varied reviews). - Parts are available (weekdays only) for next day delivery from (CMPO or lexter via ebay). - Overall cheap running costs. - Naked style all parts exposed (easy to learn how to fix and what part works what). So all in all the motorbike is cheap, budgetable for someone who only works part time and is cheap to insure, what could possible be a negative? Cons; - Owned the motorbike for a total of 9 days (broke down, failed electrics - massive credit to the dealership for getting it fixed so quickly). - Nuts/bolts are generally easy to come lose (to the point of being able to be adjusted by hand). - Mirrors are often coming loose mid-ride, not safe in the dark winter (tighten them as much as possible). - Gears are a HUGE pain, 1st to 2nd gear often gets stuck and leaves you costing reving it high without realising, also can often end up with a black gear indicator (not netrual, not in gear).. don't ask (it's common). Generally the bike looks nice and is very big for a 125cc, people often comment on how nice it looks, when it works it's a brilliant machine, not fast but does the job, sure people overtake you in there cars while your riding at the 30mph speed limit but you get used to it, you really do need to keep on top of looking after the bike, but things can still go wrong. As stated above my electrics failed after buying it brand new 9 days after owning it, turns out there must of been a loose connection somewhere as un-plugging and re-plugging fixed it (at this point you should really think, if a motorbike can fail this soon with such a small issue, the build quality becomes questionable. It can be a pain, and has knocked my confidence in riding just because I can't start my bike in the morning and now that it's still in solid working order the same night. These bikes are the budget end of the market, however, talking to people who know these bikes inside out and have owned them for a while has helped me with the mechanical knowhow, if it comes down to this or the buses, I chose this bike all day long. Make sure you carry a light, spanners, and electric tape with you at all times and you'll be fine (fix small things). Any questions related to the bike feel free to ask, I'm more than happy to help.