zee-659 Posted November 15, 2024 Posted November 15, 2024 I'm 19 and got my a2 license a couple months after my cbt. I also dont drive a car and for cb 400cc bikes im getting quoted 2.5k as a minimum and 5k as an average which is retarded I said I keep the bike in a garage put all the safety lock features ect does anyone have recommendations for bikes that would be cheaper to insure? Or do i just give up on trying to jump straight into getting a bigger bike and get a 125 instead Quote
Fiddlesticks Posted November 15, 2024 Posted November 15, 2024 Crazy prices. Not sure what the answer is, maybe a 125 for a year to build up some no claims. Quote
zee-659 Posted November 15, 2024 Author Posted November 15, 2024 15 minutes ago, Fiddlesticks said: Crazy prices. Not sure what the answer is, maybe a 125 for a year to build up some no claims. ong that 5k wasn't even the worst a lot of quotes were 9k looks like I'll have to stick to 125 for a while 1 Quote
bud Posted November 15, 2024 Posted November 15, 2024 This was the subject of some debate on a recent video. A few people have found a way to get cheaper insurance. Watch from 14 minutes in. If you go for something retro like an old XT600, DR650 something like that. I bet it would be significantly cheaper. 1 Quote
manxie49 Posted November 15, 2024 Posted November 15, 2024 Very subjective question really, as it always is when it comes to insurance ...... Way too many variables, that differ from person to person to enable any sort of quality advice to be given. 1 Quote
KiwiBob Posted November 15, 2024 Posted November 15, 2024 Your age and lack of no claims are the problem. Where you live may be a factor too! Maybe get a cheap 125 to get that first years NCB?(as long as you don't make a claim) Quote
bonio Posted November 15, 2024 Posted November 15, 2024 Everyone's first year riding a bike is expensive for insurance. It will come down a lot once you have a whole year behind you. Either you can ride a 125 for a year and sell it on a year later or suck it up, if you can afford to. As said, insurance depends a lot on age, where you live, and a bit on your job and stuff like that. Most of that you can't do much about. But it does also depend on bike, or more precisely on the insurance group the insurer puts your bike into. Not all insurers group bikes the same way, but here's one list I found on bikerated. I've sorted it by insurance group: each time you go from one group to a higher one, the insurance goes up. So start at the top of the list and go down until you find a bike you think you'd like ride, and run a quote on it. It might help you find one that works for you. Make Model Motorcycle Insurance Group AJS JSM 50 Motard 2 AJS Isaba 125 3 AJS Highway Star 125 3 AJS Tempest Scrambler 3 AJS Cadwell 125 3 Rieju Mrt50 LC SM Trophy 3 Rieju Mrt50 Pro SM 3 Rieju RS3 50LC 3 Rieju Tango 50 3 Benelli TNT125 4 Benelli BN125 4 Yamaha YS125 4 Honda CB125F 5 Honda MSX 125 / Monkey 5 KTM Freeride 250/350 5 Suzuki RV125 / RV200 / Van Van 5 WK 125 Sport 5 KTM E-Ride E-SX, E-XC, E-SM 6 Kymco VSR 125I 6 Lexmoto Adrenalin 6 Lexmoto Arizona 125 6 Lexmoto Assault 125 6 Lexmoto Tempest 6 Lexmoto Valiant 6 Lexmoto XTR S 125 6 Lexmoto ZSX 125 6 Lexmoto LXR125 6 Mash Black Seven 125 6 Mash Dirt Track 125 6 Mash Falcone 125 6 Mutt Mongerel 125 6 Rieju Mrt125 SM 6 Rieju RS3 125LC 6 Rieju Tango 125 6 SFM ZX125 6 Sinnis Bomber 125 6 Sinnis Cafe 125 6 Sinnis Max II 6 Sinnis Scrambler 125 6 Sinnis Trackstar 6 Superbyke RMR125 6 Superbyke RSP125 6 Yamaha MT-125 6 Aprilia RS4 50 Replica 7 Honda CB125R 7 Honda CB300R 7 Honda CBR 125 R 7 Honda CRF250L & Rally 7 Kawasaki Ninja 125 7 Kawasaki Z125 7 Keeway Rks Sport 7 Keeway TX125 SM 7 Mutt Mongerel 250 7 Rieju Century 125 7 Royal Enfield Meteor 350 7 Royal Enfield Bullet 500 7 Royal Enfield Bullet Classic 7 Royal Enfield Classic Chrome 7 Royal Enfield Himalayan 7 Sinnis 125 Terrain 7 Sinnis SMR125 7 Sinnis Retrostar 250 7 Sinnis Terrain 380 7 Suzuki GSX-R125 7 Suzuki GSX-S125 7 Yamaha YZF-R125 7 Aprilia RS 125 8 Aprilia SX 125 8 Aprilia Tuono 125 8 Benelli Imperiale 400 8 Bullit Hero 125 8 Bullit Spirit 125 8 Herald Motor Company Brat 125 8 Herald Motor Company Classic 125 8 Honda CRF300L 8 Husqvarna 125 Svartpilen 8 Kawasaki Ninja 250 SL 8 Kawasaki Versys-X 300 8 Kawasaki Z250SL 8 Kawasaki Z300 8 Kawasaki Z400 8 KTM 125 Duke 8 KTM 390 Duke 8 KTM RC 125 8 KTM 300 EXC TPI 8 Mash Dirt Track 250 8 Mash TWO FIFTY 250 8 Mash Scrambler 400 8 Mash Five Hundred 400 8 Royal Enfield Continental GT 650 8 Royal Enfield Interceptor 650 8 Suzuki GSX-250R 8 Suzuki V-Strom 250 8 SWM Varez 125 / RS125R 8 SWM Ace of Spades 125 8 SWM GM440R 8 SWM Superdual 8 WK 650I 8 Yamaha MT-03 8 Yamaha YZF-R3 8 Benelli Tornado Naked T 9 Bullit Hero 250 9 Daelim VJF 125 Roadsport 9 Honda CBR 300 R 9 Honley Venturer 250 9 Jawa 350 Classic 9 Kawasaki Ninja 300 9 Kawasaki VN900 Custom 9 KTM 390 Adventure 9 KTM RC 390 9 Mash Dirt 650 9 Suzuki SV650 9 Suzuki V-Strom 650 / XT 9 SWM Six Days 440 9 Benelli BN 251 10 Benelli BN 302 10 Benelli Tornado 302R 10 BMW G310GS 10 BMW G310R 10 Ducati Scrambler Sixty2 10 Herald Motor Company Classic 250 10 Herald Motor Company Classic 400 10 Honda CB500 F C-ABS 10 Honda CB500 X 10 Honda CBR 500 R C-ABS 10 Honda CMX500 Rebel 10 Honda X-ADV 10 Kawasaki W800 / SE / FE 10 KTM 690 Enduro R 10 Triumph Trident 660 10 Yamaha Tenere 700 10 Yamaha XV950R & Racer 10 Zero FX ZF7.2 10 Zontes ZT310T 10 Benelli 600 I 11 Benelli Leoncino 11 Benelli TRK 502 11 Benelli 502 Cruiser 11 BMW R 1200 RT 11 CF Moto CF300SR 11 CF Moto 650GT 11 CF Moto 650MT 11 CF Moto 650NK 11 Ducati Monster 797 11 Harley-Davidson 883 Superlow 11 Harley-Davidson Softail Deluxe 11 Harley-Davidson Sportster Iron 883 11 Harley-Davidson Street 750 11 Honda CB650F 11 Honda CB650R 11 Honda CBF 1000FA / GT 11 Honda CBR 650 F 11 Honda NC750S C-ABS / DCT 11 Honda NC750X C-ABS / DCT 11 Kawasaki Ninja 650 11 Kawasaki Versys 1000 11 Kawasaki Versys 650 11 Kawasaki Vulcan S 11 Kawasaki Z650 11 Kawasaki Z800 / Z800E 11 Kawasaki Z900 11 KTM 690 Duke / R 11 KTM 690 SMC R 11 Spirit GP Sport / R 11 Spirit Street / R 11 Suzuki GSX-S750 11 Yamaha MT-07 11 Yamaha Tracer 700 / Tracer 7 11 Aprilia Tuono 660 12 Benelli 752S 12 BMW F 700 GS 12 BMW F750GS 12 BMW F 800 R 12 BMW R1250RT 12 Ducati Monster (937) 12 Harley-Davidson Fat Boy 12 Harley-Davidson Fat Glide Supreme 12 Harley-Davidson Fat Boy Special 12 Harley-Davidson Heritage Softail Classic 12 Honda Africa Twin / DCT 12 Honda CBR 650 R 12 Honda CMX1100 Rebel 12 Honda CRF450L 12 Honda Crossrunner 12 Honda VFR800F ABS 12 Honda Vultus 12 Husqvarna 401 Svartpilen 12 Husqvarna 401 Vitpilen 12 Indian Scout Sixty 12 Kawasaki Z900RS 12 KTM 790 Duke 12 Moto Guzzi V7 Anniversario 12 Moto Guzzi V7 Special 12 Moto Guzzi V7 Stone 12 Moto Guzzi V85 TT 12 Moto Guzzi V9 Bobber 12 Moto Guzzi V9 Roamer 12 Suzuki V-Strom 1000 / XT 12 Suzuki V-Strom 1050 / XT 12 Triumph Speed Twin 12 Triumph Street Cup 12 Triumph Street Scrambler 12 Triumph Street Triple S / R 12 Triumph Street Twin 12 Yamaha SCR900 / SCR950 12 Yamaha XSR700 12 Aprilia Dorsoduro 900 13 Aprilia RS660 13 BMW F 800 GS 13 BMW F 800 GS Adventure 13 BMW F 850 GS 13 BMW F 850 GS Adventure 13 BMW F 800 GT 13 BMW F900R 13 BMW F900XR 13 BMW R 1200 GS 13 BMW R 1200 GS Adventure 13 BMW R 1200 GS Rallye 13 BMW R 1200 R 13 BMW R Ninet 13 BMW R Ninet Pure 13 BMW R Ninet Scrambler 13 BMW R Ninet Urban G/S 13 Ducati Monster 1200 13 Ducati Monster 821 13 Ducati Scrambler Cafe Racer 13 Ducati Scrambler Classic 13 Ducati Scrambler Desert Sled 13 Ducati Scrambler Full Throttle 13 Ducati Scrambler Icon 13 Harley-Davidson Breakout 13 Harley-Davidson Bronx 13 Harley-Davidson Bronx 13 Harley-Davidson Road Glide Special 13 Harley-Davidson Street BOB 13 Harley-Davidson Street Glide Special 13 Harley-Davidson Superlow 1200T 13 Honda CB1100 EX 13 Honda ST1300 Pan European ABS 13 Indian Scout Bobber 13 KTM 790 Adventure 13 KTM 890 Adventure 13 KTM 890 Duke R 13 Suzuki M1800 RBZ Intruder Boss 13 Triumph Bonneville T100 & T100 Black 13 Triumph Speedmaster 13 Triumph Street Triple RS 13 Triumph Thunderbird Commander 13 Triumph Thunderbird LT 13 Triumph Thunderbird Strom ABS 13 Yamaha MT-09 13 Yamaha MT-09 SP 13 Yamaha Tracer 900 / Tracer 9 13 Yamaha XSR900 13 Yamaha XSR900 Abarth 13 Zero S Z-Force 14.4 13 Zero SR / F 14.4 13 Aprilia Shiver 900 14 BMW R 1250 GS 14 BMW R 1250 GS Adventure 14 BMW R 1250 GS Rallye / TE 14 BMW R1250R 14 BMW R 1200 RS 14 BMW R1250RS 14 BMW R Ninet Racer 14 CCM Blackout 14 CCM GP-450 Adventure 14 CCM FT6 14 CCM Spitfire Six 14 CCM Spitfire Bobber 14 Ducati Monster 1200 S 14 Ducati Multistrada 950 / S 14 Ducati Scrambler 1100 / Pro 14 Harley-Davidson 1200 Custom 14 Harley-Davidson CVO Street Glide 14 Harley-Davidson Custom 1250 14 Harley-Davidson Forty-Eight 14 Harley-Davidson Softail Slim 14 Honda CB1000R 14 Honda CB1100 RS 14 Honda Crosstourer C-ABS / DCT 14 Honda Crosstourer Highlander 14 Honda VFR1200F C-ABS 14 Honda VFR1200FD (DCT) 14 Husqvarna 701 Svartpilen 14 Husqvarna 701 Vitpilen 14 Husqvarna 701 Enduro 14 Husqvarna 701 Supermoto 14 Indian Bobber Twenty 14 Indian Scout 14 Indian Springfield 14 Kawasaki Ninja 1000SX 14 Kawasaki VN1700 Nomad 14 Kawasaki VN1700 Voyager 14 Kawasaki Z1000 14 Kawasaki Z1000 SX 14 KTM 1090 Adventure 14 KTM 1090 Adventure R 14 Moto Morini Granpasso 14 Moto Morini Milano 14 Moto Morini Scrambler 14 MV Agusta Brutale 800 / RR 14 Norton Atlas Nomad 650 14 Suzuki GSX-S1000 14 Suzuki GSX-S1000FA 14 Triumph America 14 Triumph America LT 14 Triumph Bonneville Bobber 14 Triumph Explorer XR / X / A 14 Triumph Explorer XR / X / T 14 Triumph Speed Triple S 14 Triumph Speed Triple R 14 Triumph Sprint GT SE ABS 14 Triumph Street Triple RS 14 Triumph Tiger 800 XC / X / A 14 Triumph Tiger 800 XR / X / T 14 Triumph Tiger 850 Sport 14 Triumph Tiger 900 / GT / Rally 14 Triumph Tiger Sport 1050 14 Yamaha Niken / GT 14 Yamaha XT1200ZE Super Tenere 14 Zero ZR/F 14 CCM Foggy Edition Spitfire 15 Ducati Multistrada 1200 DVT 15 Ducati Multistrada 1200 / S 15 Ducati Multistrada 1260 / S 15 Ducati Multistrada 1260 Enduro 15 Harley-Davidson Dyna Fat BOB 15 Harley-Davidson Electra Glide Ultra Ltd / Low 15 Harley-Davidson Night Rod Special 15 Harley-Davidson Pan America 15 Harley-Davidson Road king Clasic 15 Harley-Davidson Roadster 15 Harley-Davidson Street Rod 15 Harley-Davidson V-Rod Muscle 15 Indian Chief Classic / Vintage 15 Kawasaki ZX-6R 636 / ABS 15 Moto Guzzi California Touring 15 Moto Morini 1200 ZZ 15 Moto Morini Corsaro Veloce 15 Norton 961 Commando II 15 Suzuki GSX-R600 15 Suzuki Katana 15 Triumph Daytona 675 ABS 15 Triumph Daytona 675R ABS 15 Triumph Rocket III Roadster 15 Triumph Speed Triple RS 15 Triumph T120 Bonneville & Black 15 Triumph Trophy SE 15 Victory Gunner 15 Victory Highball 15 Victory Judge 15 Victory Octane 15 Yamaha FJR1300A / AE / AS 15 Yamaha YZF-R6 15 BMW S 1000 XR 16 BMW S1000R / Sport 16 Ducati Diavel 16 Ducati Diavel Carbon 16 Ducati Monster 1200 R 16 Ducati Multistrada 1200 Enduro 16 Ducati Supersport & S 16 Hesketh 24 16 Honda Gold Wing F6 C 16 KTM 1290 Super Duke GT 16 KTM 1290 Super Duke R 16 Moto Guzzi MGX-21 16 MV Agusta Brutale 1000 16 MV Agusta Brutale 1090 ABS 16 MV Agusta Brutale 1090 RR ABS 16 MV Agusta Brutale 800 Dragster / RR 16 MV Agusta F3 675 / RC 16 MV Agusta Rivale 16 MV Agusta Stradale 800 16 MV Agusta Turismo 800 16 Suzuki GSX-R750 16 Triumph Thruxton & R 16 Triumph Thruxton RS 16 Yamaha MT-10 16 Yamaha MT-10SP 16 Aprilia RSV4 RF / RR 17 Aprilia RSV4 1100 Factory 17 Aprilia Tuono V4 1100 Factory 17 Aprilia Tuono V4 1100 RR 17 Ariel Ace Cruiser 17 Ariel Ace Sport 17 Ariel Ace-R 17 Arc Vector 17 Arch KRGT-1 17 Avinton GT 17 Bimota BB3 17 Bimota DB 8 Italia 17 Bimota DB 8 Oronero 17 Bimota DB11 17 Bimota DB9 Brivido 17 Bimota Impeto 17 Bimota SB10 BimotaRD / X 17 Bimota Tesi 3D 17 Bimota Tesi H2 17 Bimota Tesi Race Cafe 17 Bimota H2 17 BMW K 1600 GT 17 BMW R18 / R18 Classic 17 BMW M1000RR 17 BMW S 1000 RR 17 Brough Superior SS100 17 Ducati Panigale V2 17 Ducati 1199 Panigale R 17 Ducati 1299 Panigale 17 Ducati V4 Panigale 17 Ducati V4S Panigale 17 Ducati Panigale V4 SP 17 Ducati V4R Panigale 17 Ducati 1299 Panigale S 17 Ducati 1299 Superleggera 17 Ducati 959 Panigale 17 Ducati Hypermotard 939 & SP 17 Ducati Hypermotard 950 / SP 17 Ducati Multistrada V4 / V4S 17 Ducati Streetfighter / S 17 Ducati Streetfighter V4 / V4S/td> 17 Ducati Xdiavel 17 Harley-Davidson Dyna Wide Glide 17 Harley-Davidson FXDR 17 Harley-Davidson Livewire 17 Honda CBR1000RR Fireblade 17 Honda CBR1000RR-R 17 Honda CBR1000RR-R SP 17 Horex VR6 17 Indian Challenger Dark Horse 17 Indian Chieftain 17 Indian FTR1200 / S / Rally 17 Indian Roadmaster 17 Kawasaki 1400 GTR 17 Kawasaki H2SX / SE 17 Kawasaki Ninja H2 17 Kawasaki Z H2 17 Kawasaki ZX-10R 17 Kawasaki ZX-10RR 17 Kawasaki ZZR1400 / Performance Sport 17 KTM 1290 Adventure S 17 KTM 1290 Super Adventure R 17 KTM 1290 Super Adventure T 17 KTM 1290 SuperDuke RR 17 KTM 450 Rally 17 Lotus C-01 17 MV Agusta Brutale 1000RR 17 MV Agusta Dragster RC 17 MV Agusta F3 800 / RC 17 MV Agusta F4 / F4 RR / F4 RC 17 MV Agusta Rush 1000 17 MV Agusta Superveloce 800 17 Norton Superlight 650 17 Norton V4 RR 17 Suzuki GSX-R1000 17 Suzuki GSX-R1000R 17 Suzuki Hayabusa 17 Triumph Rocket 3 R / GT 17 Triumph Speed Triple 1200 RS 17 Yamaha YZF-R1 / YZF-R1M 17 3 Quote
RideWithStyles Posted November 15, 2024 Posted November 15, 2024 (edited) Thanks Bonio. Even with that list as a guide to base something on, it’s just that , the insurance have their own numbers and rules to as and when it’s fitting to them. To be honest if you’re young and new to road craft, a 125 is still more than enough to kill you or anyone else double quick time. you say it’s retarded but its not, and its not biased towards you, your a huge risk to them and everyone else for many reasons… sounds stupid but it MIGHT still be cheaper long run if you can avoid claiming and build ncb. How much is a 125, insurance, fuel, tax and service it needs etc? How long will you keep the bike? = ncb and older to the insurance, If you then look at the difference of what you will loose when you want to swap and how much you’ll need to put more money into the next bike? then how much is the insurance and running cost etc difference to that one? then how much ncb will make a difference at what point. Edited November 15, 2024 by RideWithStyles 2 Quote
husoi Posted November 15, 2024 Posted November 15, 2024 Maybe it was said before. Obviously I'm not that crazy to go reading everything Lower power and lower cc will be the better option regarding the bike. Loads of fairings will also make the insurance more expensive. But that isn't the largest factor in the extortionate premiums you will find. Your age For how long you had your license Address Where the bike is kept overnight and during the day Use of the bike commuting and parking on the road at work will be even worse Age of the bike Your profession And likely some more that I haven't mention. Quote
Fiddlesticks Posted November 15, 2024 Posted November 15, 2024 ...Value of the bike Number of miles ridden per year Business use How long you've had the bike Pillion coverage Other riders insured on the bike Strangely, not whether you're male or female, since a recent(ish) change in the law. Quote
Capt Sisko Posted November 15, 2024 Posted November 15, 2024 (edited) 20 hours ago, zee-659 said: I said I keep the bike in a garage put all the safety lock features ect Be careful of what you say you do and what you actually do. Insurance companies have been known to ask for 'proof of' i.e. a photo of your garage or security and they don't take kindly to being lied to. Saying you also use a specific type of lock (which got you a discount) can also lead to problems when it comes to a theft claim if can't show you used it. From their point of view, you said I use an ABC123 Supertuff Lock so they reduced your premioum because it's going to make life harder for the scrotes to steal. If the T&Cs said you have to use the security you said you were (or a reasonable equivalent) and you can't prove it, they're entitled to reduce your pay out in the event of a theft claim. Call me a cycnical old git if you like, but I've had 45yrs worth of dealings with insurance companies and if they can wriggle or squirm their way out of paying, they will. Edited November 16, 2024 by Capt Sisko 3 Quote
zee-659 Posted November 15, 2024 Author Posted November 15, 2024 1 hour ago, bonio said: Everyone's first year riding a bike is expensive for insurance. It will come down a lot once you have a whole year behind you. Either you can ride a 125 for a year and sell it on a year later or suck it up, if you can afford to. As said, insurance depends a lot on age, where you live, and a bit on your job and stuff like that. Most of that you can't do much about. But it does also depend on bike, or more precisely on the insurance group the insurer puts your bike into. Not all insurers group bikes the same way, but here's one list I found on bikerated. I've sorted it by insurance group: each time you go from one group to a higher one, the insurance goes up. So start at the top of the list and go down until you find a bike you think you'd like ride, and run a quote on it. It might help you find one that works for you. Make Model Motorcycle Insurance Group AJS JSM 50 Motard 2 AJS Isaba 125 3 AJS Highway Star 125 3 AJS Tempest Scrambler 3 AJS Cadwell 125 3 Rieju Mrt50 LC SM Trophy 3 Rieju Mrt50 Pro SM 3 Rieju RS3 50LC 3 Rieju Tango 50 3 Benelli TNT125 4 Benelli BN125 4 Yamaha YS125 4 Honda CB125F 5 Honda MSX 125 / Monkey 5 KTM Freeride 250/350 5 Suzuki RV125 / RV200 / Van Van 5 WK 125 Sport 5 KTM E-Ride E-SX, E-XC, E-SM 6 Kymco VSR 125I 6 Lexmoto Adrenalin 6 Lexmoto Arizona 125 6 Lexmoto Assault 125 6 Lexmoto Tempest 6 Lexmoto Valiant 6 Lexmoto XTR S 125 6 Lexmoto ZSX 125 6 Lexmoto LXR125 6 Mash Black Seven 125 6 Mash Dirt Track 125 6 Mash Falcone 125 6 Mutt Mongerel 125 6 Rieju Mrt125 SM 6 Rieju RS3 125LC 6 Rieju Tango 125 6 SFM ZX125 6 Sinnis Bomber 125 6 Sinnis Cafe 125 6 Sinnis Max II 6 Sinnis Scrambler 125 6 Sinnis Trackstar 6 Superbyke RMR125 6 Superbyke RSP125 6 Yamaha MT-125 6 Aprilia RS4 50 Replica 7 Honda CB125R 7 Honda CB300R 7 Honda CBR 125 R 7 Honda CRF250L & Rally 7 Kawasaki Ninja 125 7 Kawasaki Z125 7 Keeway Rks Sport 7 Keeway TX125 SM 7 Mutt Mongerel 250 7 Rieju Century 125 7 Royal Enfield Meteor 350 7 Royal Enfield Bullet 500 7 Royal Enfield Bullet Classic 7 Royal Enfield Classic Chrome 7 Royal Enfield Himalayan 7 Sinnis 125 Terrain 7 Sinnis SMR125 7 Sinnis Retrostar 250 7 Sinnis Terrain 380 7 Suzuki GSX-R125 7 Suzuki GSX-S125 7 Yamaha YZF-R125 7 Aprilia RS 125 8 Aprilia SX 125 8 Aprilia Tuono 125 8 Benelli Imperiale 400 8 Bullit Hero 125 8 Bullit Spirit 125 8 Herald Motor Company Brat 125 8 Herald Motor Company Classic 125 8 Honda CRF300L 8 Husqvarna 125 Svartpilen 8 Kawasaki Ninja 250 SL 8 Kawasaki Versys-X 300 8 Kawasaki Z250SL 8 Kawasaki Z300 8 Kawasaki Z400 8 KTM 125 Duke 8 KTM 390 Duke 8 KTM RC 125 8 KTM 300 EXC TPI 8 Mash Dirt Track 250 8 Mash TWO FIFTY 250 8 Mash Scrambler 400 8 Mash Five Hundred 400 8 Royal Enfield Continental GT 650 8 Royal Enfield Interceptor 650 8 Suzuki GSX-250R 8 Suzuki V-Strom 250 8 SWM Varez 125 / RS125R 8 SWM Ace of Spades 125 8 SWM GM440R 8 SWM Superdual 8 WK 650I 8 Yamaha MT-03 8 Yamaha YZF-R3 8 Benelli Tornado Naked T 9 Bullit Hero 250 9 Daelim VJF 125 Roadsport 9 Honda CBR 300 R 9 Honley Venturer 250 9 Jawa 350 Classic 9 Kawasaki Ninja 300 9 Kawasaki VN900 Custom 9 KTM 390 Adventure 9 KTM RC 390 9 Mash Dirt 650 9 Suzuki SV650 9 Suzuki V-Strom 650 / XT 9 SWM Six Days 440 9 Benelli BN 251 10 Benelli BN 302 10 Benelli Tornado 302R 10 BMW G310GS 10 BMW G310R 10 Ducati Scrambler Sixty2 10 Herald Motor Company Classic 250 10 Herald Motor Company Classic 400 10 Honda CB500 F C-ABS 10 Honda CB500 X 10 Honda CBR 500 R C-ABS 10 Honda CMX500 Rebel 10 Honda X-ADV 10 Kawasaki W800 / SE / FE 10 KTM 690 Enduro R 10 Triumph Trident 660 10 Yamaha Tenere 700 10 Yamaha XV950R & Racer 10 Zero FX ZF7.2 10 Zontes ZT310T 10 Benelli 600 I 11 Benelli Leoncino 11 Benelli TRK 502 11 Benelli 502 Cruiser 11 BMW R 1200 RT 11 CF Moto CF300SR 11 CF Moto 650GT 11 CF Moto 650MT 11 CF Moto 650NK 11 Ducati Monster 797 11 Harley-Davidson 883 Superlow 11 Harley-Davidson Softail Deluxe 11 Harley-Davidson Sportster Iron 883 11 Harley-Davidson Street 750 11 Honda CB650F 11 Honda CB650R 11 Honda CBF 1000FA / GT 11 Honda CBR 650 F 11 Honda NC750S C-ABS / DCT 11 Honda NC750X C-ABS / DCT 11 Kawasaki Ninja 650 11 Kawasaki Versys 1000 11 Kawasaki Versys 650 11 Kawasaki Vulcan S 11 Kawasaki Z650 11 Kawasaki Z800 / Z800E 11 Kawasaki Z900 11 KTM 690 Duke / R 11 KTM 690 SMC R 11 Spirit GP Sport / R 11 Spirit Street / R 11 Suzuki GSX-S750 11 Yamaha MT-07 11 Yamaha Tracer 700 / Tracer 7 11 Aprilia Tuono 660 12 Benelli 752S 12 BMW F 700 GS 12 BMW F750GS 12 BMW F 800 R 12 BMW R1250RT 12 Ducati Monster (937) 12 Harley-Davidson Fat Boy 12 Harley-Davidson Fat Glide Supreme 12 Harley-Davidson Fat Boy Special 12 Harley-Davidson Heritage Softail Classic 12 Honda Africa Twin / DCT 12 Honda CBR 650 R 12 Honda CMX1100 Rebel 12 Honda CRF450L 12 Honda Crossrunner 12 Honda VFR800F ABS 12 Honda Vultus 12 Husqvarna 401 Svartpilen 12 Husqvarna 401 Vitpilen 12 Indian Scout Sixty 12 Kawasaki Z900RS 12 KTM 790 Duke 12 Moto Guzzi V7 Anniversario 12 Moto Guzzi V7 Special 12 Moto Guzzi V7 Stone 12 Moto Guzzi V85 TT 12 Moto Guzzi V9 Bobber 12 Moto Guzzi V9 Roamer 12 Suzuki V-Strom 1000 / XT 12 Suzuki V-Strom 1050 / XT 12 Triumph Speed Twin 12 Triumph Street Cup 12 Triumph Street Scrambler 12 Triumph Street Triple S / R 12 Triumph Street Twin 12 Yamaha SCR900 / SCR950 12 Yamaha XSR700 12 Aprilia Dorsoduro 900 13 Aprilia RS660 13 BMW F 800 GS 13 BMW F 800 GS Adventure 13 BMW F 850 GS 13 BMW F 850 GS Adventure 13 BMW F 800 GT 13 BMW F900R 13 BMW F900XR 13 BMW R 1200 GS 13 BMW R 1200 GS Adventure 13 BMW R 1200 GS Rallye 13 BMW R 1200 R 13 BMW R Ninet 13 BMW R Ninet Pure 13 BMW R Ninet Scrambler 13 BMW R Ninet Urban G/S 13 Ducati Monster 1200 13 Ducati Monster 821 13 Ducati Scrambler Cafe Racer 13 Ducati Scrambler Classic 13 Ducati Scrambler Desert Sled 13 Ducati Scrambler Full Throttle 13 Ducati Scrambler Icon 13 Harley-Davidson Breakout 13 Harley-Davidson Bronx 13 Harley-Davidson Bronx 13 Harley-Davidson Road Glide Special 13 Harley-Davidson Street BOB 13 Harley-Davidson Street Glide Special 13 Harley-Davidson Superlow 1200T 13 Honda CB1100 EX 13 Honda ST1300 Pan European ABS 13 Indian Scout Bobber 13 KTM 790 Adventure 13 KTM 890 Adventure 13 KTM 890 Duke R 13 Suzuki M1800 RBZ Intruder Boss 13 Triumph Bonneville T100 & T100 Black 13 Triumph Speedmaster 13 Triumph Street Triple RS 13 Triumph Thunderbird Commander 13 Triumph Thunderbird LT 13 Triumph Thunderbird Strom ABS 13 Yamaha MT-09 13 Yamaha MT-09 SP 13 Yamaha Tracer 900 / Tracer 9 13 Yamaha XSR900 13 Yamaha XSR900 Abarth 13 Zero S Z-Force 14.4 13 Zero SR / F 14.4 13 Aprilia Shiver 900 14 BMW R 1250 GS 14 BMW R 1250 GS Adventure 14 BMW R 1250 GS Rallye / TE 14 BMW R1250R 14 BMW R 1200 RS 14 BMW R1250RS 14 BMW R Ninet Racer 14 CCM Blackout 14 CCM GP-450 Adventure 14 CCM FT6 14 CCM Spitfire Six 14 CCM Spitfire Bobber 14 Ducati Monster 1200 S 14 Ducati Multistrada 950 / S 14 Ducati Scrambler 1100 / Pro 14 Harley-Davidson 1200 Custom 14 Harley-Davidson CVO Street Glide 14 Harley-Davidson Custom 1250 14 Harley-Davidson Forty-Eight 14 Harley-Davidson Softail Slim 14 Honda CB1000R 14 Honda CB1100 RS 14 Honda Crosstourer C-ABS / DCT 14 Honda Crosstourer Highlander 14 Honda VFR1200F C-ABS 14 Honda VFR1200FD (DCT) 14 Husqvarna 701 Svartpilen 14 Husqvarna 701 Vitpilen 14 Husqvarna 701 Enduro 14 Husqvarna 701 Supermoto 14 Indian Bobber Twenty 14 Indian Scout 14 Indian Springfield 14 Kawasaki Ninja 1000SX 14 Kawasaki VN1700 Nomad 14 Kawasaki VN1700 Voyager 14 Kawasaki Z1000 14 Kawasaki Z1000 SX 14 KTM 1090 Adventure 14 KTM 1090 Adventure R 14 Moto Morini Granpasso 14 Moto Morini Milano 14 Moto Morini Scrambler 14 MV Agusta Brutale 800 / RR 14 Norton Atlas Nomad 650 14 Suzuki GSX-S1000 14 Suzuki GSX-S1000FA 14 Triumph America 14 Triumph America LT 14 Triumph Bonneville Bobber 14 Triumph Explorer XR / X / A 14 Triumph Explorer XR / X / T 14 Triumph Speed Triple S 14 Triumph Speed Triple R 14 Triumph Sprint GT SE ABS 14 Triumph Street Triple RS 14 Triumph Tiger 800 XC / X / A 14 Triumph Tiger 800 XR / X / T 14 Triumph Tiger 850 Sport 14 Triumph Tiger 900 / GT / Rally 14 Triumph Tiger Sport 1050 14 Yamaha Niken / GT 14 Yamaha XT1200ZE Super Tenere 14 Zero ZR/F 14 CCM Foggy Edition Spitfire 15 Ducati Multistrada 1200 DVT 15 Ducati Multistrada 1200 / S 15 Ducati Multistrada 1260 / S 15 Ducati Multistrada 1260 Enduro 15 Harley-Davidson Dyna Fat BOB 15 Harley-Davidson Electra Glide Ultra Ltd / Low 15 Harley-Davidson Night Rod Special 15 Harley-Davidson Pan America 15 Harley-Davidson Road king Clasic 15 Harley-Davidson Roadster 15 Harley-Davidson Street Rod 15 Harley-Davidson V-Rod Muscle 15 Indian Chief Classic / Vintage 15 Kawasaki ZX-6R 636 / ABS 15 Moto Guzzi California Touring 15 Moto Morini 1200 ZZ 15 Moto Morini Corsaro Veloce 15 Norton 961 Commando II 15 Suzuki GSX-R600 15 Suzuki Katana 15 Triumph Daytona 675 ABS 15 Triumph Daytona 675R ABS 15 Triumph Rocket III Roadster 15 Triumph Speed Triple RS 15 Triumph T120 Bonneville & Black 15 Triumph Trophy SE 15 Victory Gunner 15 Victory Highball 15 Victory Judge 15 Victory Octane 15 Yamaha FJR1300A / AE / AS 15 Yamaha YZF-R6 15 BMW S 1000 XR 16 BMW S1000R / Sport 16 Ducati Diavel 16 Ducati Diavel Carbon 16 Ducati Monster 1200 R 16 Ducati Multistrada 1200 Enduro 16 Ducati Supersport & S 16 Hesketh 24 16 Honda Gold Wing F6 C 16 KTM 1290 Super Duke GT 16 KTM 1290 Super Duke R 16 Moto Guzzi MGX-21 16 MV Agusta Brutale 1000 16 MV Agusta Brutale 1090 ABS 16 MV Agusta Brutale 1090 RR ABS 16 MV Agusta Brutale 800 Dragster / RR 16 MV Agusta F3 675 / RC 16 MV Agusta Rivale 16 MV Agusta Stradale 800 16 MV Agusta Turismo 800 16 Suzuki GSX-R750 16 Triumph Thruxton & R 16 Triumph Thruxton RS 16 Yamaha MT-10 16 Yamaha MT-10SP 16 Aprilia RSV4 RF / RR 17 Aprilia RSV4 1100 Factory 17 Aprilia Tuono V4 1100 Factory 17 Aprilia Tuono V4 1100 RR 17 Ariel Ace Cruiser 17 Ariel Ace Sport 17 Ariel Ace-R 17 Arc Vector 17 Arch KRGT-1 17 Avinton GT 17 Bimota BB3 17 Bimota DB 8 Italia 17 Bimota DB 8 Oronero 17 Bimota DB11 17 Bimota DB9 Brivido 17 Bimota Impeto 17 Bimota SB10 BimotaRD / X 17 Bimota Tesi 3D 17 Bimota Tesi H2 17 Bimota Tesi Race Cafe 17 Bimota H2 17 BMW K 1600 GT 17 BMW R18 / R18 Classic 17 BMW M1000RR 17 BMW S 1000 RR 17 Brough Superior SS100 17 Ducati Panigale V2 17 Ducati 1199 Panigale R 17 Ducati 1299 Panigale 17 Ducati V4 Panigale 17 Ducati V4S Panigale 17 Ducati Panigale V4 SP 17 Ducati V4R Panigale 17 Ducati 1299 Panigale S 17 Ducati 1299 Superleggera 17 Ducati 959 Panigale 17 Ducati Hypermotard 939 & SP 17 Ducati Hypermotard 950 / SP 17 Ducati Multistrada V4 / V4S 17 Ducati Streetfighter / S 17 Ducati Streetfighter V4 / V4S/td> 17 Ducati Xdiavel 17 Harley-Davidson Dyna Wide Glide 17 Harley-Davidson FXDR 17 Harley-Davidson Livewire 17 Honda CBR1000RR Fireblade 17 Honda CBR1000RR-R 17 Honda CBR1000RR-R SP 17 Horex VR6 17 Indian Challenger Dark Horse 17 Indian Chieftain 17 Indian FTR1200 / S / Rally 17 Indian Roadmaster 17 Kawasaki 1400 GTR 17 Kawasaki H2SX / SE 17 Kawasaki Ninja H2 17 Kawasaki Z H2 17 Kawasaki ZX-10R 17 Kawasaki ZX-10RR 17 Kawasaki ZZR1400 / Performance Sport 17 KTM 1290 Adventure S 17 KTM 1290 Super Adventure R 17 KTM 1290 Super Adventure T 17 KTM 1290 SuperDuke RR 17 KTM 450 Rally 17 Lotus C-01 17 MV Agusta Brutale 1000RR 17 MV Agusta Dragster RC 17 MV Agusta F3 800 / RC 17 MV Agusta F4 / F4 RR / F4 RC 17 MV Agusta Rush 1000 17 MV Agusta Superveloce 800 17 Norton Superlight 650 17 Norton V4 RR 17 Suzuki GSX-R1000 17 Suzuki GSX-R1000R 17 Suzuki Hayabusa 17 Triumph Rocket 3 R / GT 17 Triumph Speed Triple 1200 RS 17 Yamaha YZF-R1 / YZF-R1M 17 thank you sm this is so helpful 1 Quote
zee-659 Posted November 15, 2024 Author Posted November 15, 2024 1 hour ago, husoi said: Maybe it was said before. Obviously I'm not that crazy to go reading everything Lower power and lower cc will be the better option regarding the bike. Loads of fairings will also make the insurance more expensive. But that isn't the largest factor in the extortionate premiums you will find. Your age For how long you had your license Address Where the bike is kept overnight and during the day Use of the bike commuting and parking on the road at work will be even worse Age of the bike Your profession And likely some more that I haven't mention. Yeah unfortunately I'm 19 only just got my license and live in a sketchy area so the odds are not in my favour.. I'm also a medical student staying at home idk how much that would impact the insurance though. Is there a major difference between selecting social use/ social and commuting? Quote
Fiddlesticks Posted November 15, 2024 Posted November 15, 2024 Just now, zee-659 said: Is there a major difference between selecting social use/ social and commuting? Try messing around in CompareTheMarket - I think you'll find it's an extra 20% or so from memory, but a higher annual mileage will also affect it. 2 Quote
zee-659 Posted November 15, 2024 Author Posted November 15, 2024 25 minutes ago, Capt Sisko said: Be careful of what you say you do and what you actually do. Insurance companies have been known to ask for 'proof of' i.e. a photo of your garage or security and they don't take kindly to being lied to. Saying you also use a specific type of lock (which got you a discount) can also lead to problems when it comes to a theft claim if can't show you used it. From their point of view, you said I use an ABC123 Supertuff Lock so they reduce your premioum becaise it's going to make life harder for the scrotes to steal. If the T&Cs said you have to use the security you said you were (or a reasonable equivalent) and you can't prove it, they're entitled to reduce your pay out in the event of a theft claim. Call me a cycnical old git if you like, but I've have 45yrs worth of dealings with insurance companies and if they can wriggle or squirm their way out of paying, they will. thanks for the advice! will defo keep that in the mind for now I was just trying to see what I could do to get the insurance lower then 2k Quote
bonio Posted November 15, 2024 Posted November 15, 2024 11 minutes ago, zee-659 said: Is there a major difference between selecting social use/ social and commuting? Yes. If you're ever going to ride to your place of work or study - even if only occasionally - you must choose social and commuting. You don't want to be tarred with insurance fraud; it's almost impossible to get insurance again, ever. In terms of money, commuting is a bit extra, like 10% or so I think. 1 Quote
ChrisBiggsUK Posted November 15, 2024 Posted November 15, 2024 As a brand new biker (or indeed driver of any kind) I managed to get insurance (fully comp including breakdown and leathers cover) for just shy of £600 a year (with Bennetts through that Meerkat place). I have no doubt that my age (43) my status (homeowner and retired) the type of bike (2006 Honda CG125) and the security precautions I have taken (perhaps overkill) have served to bring the policy down to, what I feel, is a rather good price considering I am a brand new driver with 0 ncd etc. While you can't do much about your age or status as others have mentioned you can get a 125 for a bit, get cheaper insurance as a result, and (hopefully) build up that no claims discount. 2 Quote
Capt Sisko Posted November 15, 2024 Posted November 15, 2024 (edited) Just as a matter of interest, I was 19 for much of 1981 and had a Red & White RD400E. They poduced an alleged 44bhp / 165kg (although Japanese ponies were renowned for having short legs back then and the weight was usually quoted as a dry weight), nonetheless it's close enough to be what would pass as an A2 compliant bike nowadays. I can't remember exactly what I paid for insurance back then, but a well over a hundred pounds springs to mind (and that would have been TPF&T). Let's call it £150. If you put 1981 & £150 in the the Bank of England Inflation Calculator it comes out at the equivalent of £562 in 2024. So yep, insurance has gone up. Edited November 16, 2024 by Capt Sisko 1 Quote
Capt Sisko Posted November 16, 2024 Posted November 16, 2024 Untick the 'with pillion' box if you had. They charge you more for this because should there be an accident and the pillion is injured they can claim for compensation from your insurer. As a side note, I've never seen this option on car insurance regarding taking passangers or not. Is this another case of us bikers being discriminated? 1 Quote
husoi Posted November 16, 2024 Posted November 16, 2024 23 minutes ago, Capt Sisko said: Untick the 'with pillion' box if you had. They charge you more for this because should there be an accident and the pillion is injured they can claim for compensation from your insurer. As a side note, I've never seen this option on car insurance regarding taking passangers or not. Is this another case of us bikers being discriminated? It's the case that the car passenger is far more protected than on a bike. Obviously insurance love risk so they can charge you 10 times more Quote
Fiddlesticks Posted November 16, 2024 Posted November 16, 2024 Have you tried an older (cheaper) bike third party fire and theft? Or upping the excess to the max on a fully comp policy? Quote
RideWithStyles Posted December 9, 2024 Posted December 9, 2024 Just be careful with the upping the excess trick in a dodgy area…. You’ll need to pay that out to the insurance in an event of a claim, be paying more for the excess than the insurance for that and a few years worth coming for short returns. You might just have to bite the bullet at some point anyway. yeah more tick boxes to charge more no matter if you select them or not. My thought is if it has a seat for a human to sit on it, it should be assumed the vehicle will/could be used regardless as it’s not any different -otherwise they’ll be asking how often do u have 1, 2,3,4 or more passengers in your vehicle? How old will they be? What diets or lifestyle are they? And if they go even more daft you have a claim with 4 people in yet you only said 2 or 3 they would like void your insurance….its the future vision of insurance. Quote
JohnJive650 Posted December 9, 2024 Posted December 9, 2024 Trying to be legal and doing everything by the book is commendable Meanwhile, if you wear black clothes, a balaclava, no helmet and ride a stolen bike, you can go where you want and ignore red lights etc Something seriously wrong in the UK Quote
Terry Came Posted December 12, 2024 Posted December 12, 2024 Ensure that you have commuting on your insurance. Not having it and getting stopped invalidates your insurance. That is six points on your licence, which means, if you haven't had your licence for two years, you go back to a provisional, and you have to start all over again. Also, be careful of comparison sites if you opt to pay monthly. I was trying to get car insurance for my niece. Even though we put commuting on the form, the quotes kept coming back without it. Only by paying annually with Admiral did we get commuting coverage. 1 Quote
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