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matt21
Original Poster
2,684 posts
73 months
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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.
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Rubin215
1,415 posts
25 months
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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!
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btdk5
1,179 posts
59 months
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Zx6r here.
I have 0 no claims, 6 points, 2 stolen not recovered and one write off.
Ebike are still good enough to take me on
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MrB1obby
556 posts
19 months
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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 
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bimsb6
4,260 posts
90 months
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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?
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garyhun
13,992 posts
97 months
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bimsb6 said: You really believe you need insurance cover to carry a pillion? SOME policies do not cover pillion
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bimsb6
4,260 posts
90 months
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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 .
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John D.
9,554 posts
78 months
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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 . What does it mean then? Genuinely curious not trying to pick an argument 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.
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CBR JGWRR
5,078 posts
18 months
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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.
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Rat_Fink_67
1,284 posts
75 months
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Give express insurance a try, I'm with them for my first bike (gsxr 600) and they're really reasonable price wise.
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redstu
2,055 posts
108 months
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Try an sv650, these are cheap to insure and there seems to be quite a lot around.
Rubin, thanks for the mileage info, I'll try that next time as I currently only put 2000 as that's about right.
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Cunny DK
699 posts
48 months
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whats your quotes coming out at ?
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matt21
Original Poster
2,684 posts
73 months
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Just under 400 which seems a lot for third party fire and theft and 1k pa.
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podman
3,961 posts
109 months
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matt21 said: I have selected 1000 mile pa maximum, no pillion, SD&P only, TP&F, kept in garage yet still pricey.
. How much is 'pricey' exactly? Its still a 160MPH bike...a 160MPH car wouldnt be cheap for a new driver either...
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CBR JGWRR
5,078 posts
18 months
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matt21 said: Just under 400 which seems a lot for third party fire and theft and 1k pa. I paid slightly less for a 125 Aprilia, that's an alright amount...
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GadgeS3C
1,953 posts
33 months
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matt21 said: Just under 400 which seems a lot for third party fire and theft and 1k pa. I paid more than that for a GPz550 in the late 80's. I was a little younger at the time 
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Condi
2,671 posts
40 months
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matt21 said: Just under 400 which seems a lot for third party fire and theft and 1k pa. Seems to be about right? I think I paid the same for TPFT on my Fazer after passing. Pay about the same now on the Fireblade despite having 2 years NCB.
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trickywoo
3,413 posts
99 months
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£400 isn't too bad for a new rider on a faired bike.
If you went for a naked style it would probably be a lot less.
I had a Touno as a first bike for this very reason.
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Dare2Fail
2,459 posts
77 months
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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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3doorPete
6,861 posts
103 months
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matt21 said: Just under 400 which seems a lot for third party fire and theft and 1k pa. That's actually bloody good. No NCB, new rider, 160mph bike. I'd have snapped that up.
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