Cheapest insurance

[George]

Who’s doing cheap insurance for ne riders please?

[geofferz]

No set answer - loads of variables. Run a quote at compare the market 

[Mississippi Bullfrog]

Sometimes cheapest isn't either the cheapest in the long run or the one you'd really want in the first place. Look carefully at the details before committing.

[Yorky]

51 minutes ago, George said:

Who’s doing cheap insurance for ne riders please?

There's no such thing as "cheap insurance"

Do you still believe in Santa??

[bonio]

Geofferz is right. You're either going to have to use the online comparison sites or spend the morning on the phone.

[bonio]

... just don't go for MCE

[onesea]

I set up an account on a comparison site..  it saves my details year in year out.  Makes it so much easier with 2 cars and 3 bikes.

 

Use it for everything except house insurance, where I use a good old fashioned broker.

Just cause they know the ins and outs.

 

I would try a broker for bike/ car insurance but the one I like won't do.

[manxie49]

As has been said, no such thing .... Also worth reading the small print on some of these cheaper policies as well, they may not all cover what you want them to.  Try this site as a starting ground.

https://www.mcncompare.com

[pabloblue]

I haven't ridden for 11 years. My last policy in 2011 was about £140 third party only. Now I'm being quoted about £800. Am I missing something or has the insurance world gone as crazy as everything else?

[bonio]

That's a lot. I'm 61, and fully comp insurance on a 2 year old MV Augusta 800cc is about £200. 9 years no claims (so probably £350 without ncb). 

 

It's common practice for companies to charge more the first year you're riding a bigger bike than before. When I went from a 500cc to a 1200cc, my insurance was crazy to begin with, but after that it settled down. Same thing happened when I had to say I'd gone from a 400cc to an 800cc.

 

The big factors are: where are you (insurance in London is crazy) and where's the bike kept (in a garage or shed is cheaper). It can work in weird way too: fully comp and can sometimes be cheaper than third party, and you can sometimes get a small reduction by increasing your annual mileage. 

 

But the easiest variable to change is the bike. Try putting different bikes and different engine sizes through and see what happens. I wouldn't be surprised if 600cc bikes come out a lot cheaper than litre bikes.