125 INSURANCE QUOTES

[sebasjohn]

Hi all, any advise on insurance?

ully comp prices are saying £850 excess then £50+ a month, means my idea of saving money getting a bike can't happen , do I do 3rd party ???

Thanks

[sebasjohn]

Assuming my 12 years no claims doesn't mean anything as on a car

[smokeey]

Is the £800 your excess or down payment on a pay monthly policy?

If its your excess you only pay it in the event of a claim where you're at fault.

[trickywoo]

£600 a year sounds a lot unless you are 16 living in central Birmingham and keeping the bike on the street.

You can fix a lot of damage on a 125 for £800. On that basis I'd go Tpft and not crash. I pay about £100 Tpft on a gsxr 750 but there has been a move by insurers in recent years to bump up excesses even for us old folks. It's partly what puts me off getting a newer / more expensive bike.

[sebasjohn]

Thanks . I'm 33 but first time having a bike . I going to compare site said nothing about
Locks/ security ect .

[trickywoo]

sebasjohn said:

Thanks . I'm 33 but first time having a bike . I going to compare site said nothing about
Locks/ security ect .

Insurance are taking the pee in that case.

I had a 1000cc Aprilia Tuono as my first bike around the same age and paid £300 a year tpft. Bike wasn't garaged either but good postcode.

[podman]

My Dad passed his CBT last year and we struggled to get a quote on his YBR125 below £300 at first...and he's 70!

I think it ended up around £250 but I was surprised at the cost of it.

[sebasjohn]

Just spent 40 minutes in phone to a broker , best price £350 3rd party

20 % cheaper if I buy 2nd not brand new

Madness

[Tall_Paul]

Don't buy a brand new 125.

I'm paying £180 a year tpf&t, varadero 125, 33 year old, parked on the driveway, 10k miles a year including commuting, 0 ncd.

[podman]

sebasjohn said:

Just spent 40 minutes in phone to a broker , best price £350 3rd party

20 % cheaper if I buy 2nd not brand new

Madness

If it helps, my Dad has only filled his YBR up 4 times since last August, OK, he only uses it socially but it is giving him well over 100MPG..

[LoonR1]

Why is this madness? Do you have a full bike licence? A 125 is easily nicked, it can also do a lot of damage if it hits someone or their car, especially with a novice rider on board.

[LoonR1]

Just had a look at the rest of this guys posts. I'm guessing it's a 16 year old who's just finished school with no qualifications and is having a laugh posting crap on here.

[sebasjohn]

Maybe it's the postcode,brother in law just told me he pays £30 a month he is 10 years younger then me and hasn't drove anything before. Strange

[steve954]

My bil just insured his yzfr125 for £160 TFT aged 27 first bike etc.

[sebasjohn]

Who with? I will have cbt only .

[Biker's Nemesis]

It cost £25 too add my 125 to my 50cc Insurance