New biker trying to insure a Kawasaki ZX6R...unsuccessfully!
Discussion
Struggling to get insured as a new biker on a Kawasaki ZX6R 1998. Heard that these are relativey insurance friendly, but no one wants to touch me for a sensible price.
Obviously can't use car no claims but any tips on reducing premium further.
I have selected 1000 mile pa maximum, no pillion, SD&P only, TP&F, kept in garage yet still pricey. What else works to get price down?
Failing that, am I unrealistic to think I could own a Kawasaki ZX6R as a first bike? If so any recommendations? 600cc minimum would be nice.
Obviously can't use car no claims but any tips on reducing premium further.
I have selected 1000 mile pa maximum, no pillion, SD&P only, TP&F, kept in garage yet still pricey. What else works to get price down?
Failing that, am I unrealistic to think I could own a Kawasaki ZX6R as a first bike? If so any recommendations? 600cc minimum would be nice.
Try go compare, and increase your annual mileage.
Too low a mileage means you will be inexperienced, more mileage means more experience.
My most recent quote for a hardly ever to be used bike dropped by just over £50 as I increased the milage in steps from 1000 to 6000.
After that it stayed the same up to 13,000 miles at which point it started to climb again.
Bizarre!
Too low a mileage means you will be inexperienced, more mileage means more experience.
My most recent quote for a hardly ever to be used bike dropped by just over £50 as I increased the milage in steps from 1000 to 6000.
After that it stayed the same up to 13,000 miles at which point it started to climb again.
Bizarre!
They shouldn't be that bad unless you live in south east london or something.
But as said before, use comparison sites. Always. Then after that ring around the top insurers to try and make them beat each other, saves about £50 or so which is a couple of tanks.
Increase you annual mileage, 1000 is nothing at all. I also found adding/removing pillion cover makes no difference, yet if you add a pillion at least you have a choice instead of possibly getting 6 points for being uninsured if you do NEED to carry a pillion just that one time.
On a better noter, Great choice of bike, should serve you well
But as said before, use comparison sites. Always. Then after that ring around the top insurers to try and make them beat each other, saves about £50 or so which is a couple of tanks.
Increase you annual mileage, 1000 is nothing at all. I also found adding/removing pillion cover makes no difference, yet if you add a pillion at least you have a choice instead of possibly getting 6 points for being uninsured if you do NEED to carry a pillion just that one time.
On a better noter, Great choice of bike, should serve you well
MrB1obby said:
They shouldn't be that bad unless you live in south east london or something.
But as said before, use comparison sites. Always. Then after that ring around the top insurers to try and make them beat each other, saves about £50 or so which is a couple of tanks.
Increase you annual mileage, 1000 is nothing at all. I also found adding/removing pillion cover makes no difference, yet if you add a pillion at least you have a choice instead of possibly getting 6 points for being uninsured if you do NEED to carry a pillion just that one time.
On a better noter, Great choice of bike, should serve you well
You really believe you need insurance cover to carry a pillion?But as said before, use comparison sites. Always. Then after that ring around the top insurers to try and make them beat each other, saves about £50 or so which is a couple of tanks.
Increase you annual mileage, 1000 is nothing at all. I also found adding/removing pillion cover makes no difference, yet if you add a pillion at least you have a choice instead of possibly getting 6 points for being uninsured if you do NEED to carry a pillion just that one time.
On a better noter, Great choice of bike, should serve you well
bimsb6 said:
garyhun said:
SOME policies do not cover pillion
Carrying a pillion in this case does not mean you are uninsured and liable for 6 points as stated above .I don't have pillion cover. Specifically as I have no desire to carry one and thought it would reduce my premium.
OP - Dunno if its a bike you would be interested in but my SV650 is/was peanuts to insure for a new biker compared to my mates CBR600RR. We passed same time and are both 29. He had some teenage riding experience in his favour (unsure if this counted for anything?) but 3 points too. ZX6R is a lovely thing though.
Rubin215 said:
Try go compare, and increase your annual mileage.
Too low a mileage means you will be inexperienced, more mileage means more experience.
My most recent quote for a hardly ever to be used bike dropped by just over £50 as I increased the milage in steps from 1000 to 6000.
After that it stayed the same up to 13,000 miles at which point it started to climb again.
Bizarre!
It starts to climb again because as you do more miles the accident risk increases.Too low a mileage means you will be inexperienced, more mileage means more experience.
My most recent quote for a hardly ever to be used bike dropped by just over £50 as I increased the milage in steps from 1000 to 6000.
After that it stayed the same up to 13,000 miles at which point it started to climb again.
Bizarre!
bimsb6 said:
Carrying a pillion in this case does not mean you are uninsured and liable for 6 points as stated above .
If I tell my insurer that I don't take a pillion and then crash while carrying a pillion surely all they have to do is show that the pillion was a causal factor in the accident (which I would imagine would be pretty easy to do given that a pillion changes the handling, braking and acceleration of a bike) and then they could refuse to pay out, couldn't they?I am confused as to why you think telling your insurer an untruth about carrying pillions is any different to telling them other false information.
Hopefully Loon will be along shortly to clear up this one.
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