Motorbike insurance for 16 year old

[Uzi]

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

[rennie]

Hello and Welcome

You can only ride a 50 at 16!

You can't restrict a 125 to 50

[Uzi]

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

[fastbob]

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.

[Uzi]

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

[JackieOWheels]

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

[Guest Richzx6r]

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

[Uzi]

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.

[Guest Richzx6r]

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

[Uzi]

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

[Mississippi Bullfrog]

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

[Uzi]

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

[Mississippi Bullfrog]

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.

[Uzi]

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

[JackieOWheels]

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.

[Uzi]

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

[Trigger.sm.50. 2014]

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