No claims discount question
Discussion
I'm really sorry to ask a pretty cringe question.
But I'm tempted to get a small scooter as a first bike - even though I have a full cat A licence.
Specifically I'm interested in a Honda PCX 125. Buying a brand new one is only 2.5k. And insurance is only 250 a year. And I'd do the servicing myself. It's just to be a get to work scooter if the weather is nice. And I'd also use it to get around the country cheaply when I had time.
But... do bikes work like cars? If i get a years no claims on a baby scooter will they count it like a real bike when I come to upgrade?
I have big dreams of european touring. And in the next 3 to 4 yeats would like to get something bigger and more capable. For not the scooter will do the job.
But I'm tempted to get a small scooter as a first bike - even though I have a full cat A licence.
Specifically I'm interested in a Honda PCX 125. Buying a brand new one is only 2.5k. And insurance is only 250 a year. And I'd do the servicing myself. It's just to be a get to work scooter if the weather is nice. And I'd also use it to get around the country cheaply when I had time.
But... do bikes work like cars? If i get a years no claims on a baby scooter will they count it like a real bike when I come to upgrade?
I have big dreams of european touring. And in the next 3 to 4 yeats would like to get something bigger and more capable. For not the scooter will do the job.
Yes the NCB on a 2 wheel vehicle will apply to other bikes....however
Some specialist bike insurers do ask how many years experience on certain classes of bike you have regardless .eg if you have had your licence 2 years and ask for a quote on a £25k Ducati they may ask how many years you have been riding >1000cc bikes ....after all, 2 years on a scooter isnt really that good experience for riding a 200bhp superbike.
This does tend to vary, as does discount for things like advanced rider qualifications. You will have to check with prospective insurers...
Some specialist bike insurers do ask how many years experience on certain classes of bike you have regardless .eg if you have had your licence 2 years and ask for a quote on a £25k Ducati they may ask how many years you have been riding >1000cc bikes ....after all, 2 years on a scooter isnt really that good experience for riding a 200bhp superbike.
This does tend to vary, as does discount for things like advanced rider qualifications. You will have to check with prospective insurers...
Cheers.
I cannot see it being possible to do an advanced riding course on a scooter which someone with a cbt cert can legally ride around on.
I can't see myself getting anything so exotic that it will require a specialist. I reckon the most extreme bike I'd ever want is something like a twin Africa or many a pan European. If it allows me to write 1 or 2 years ncd I'll get the scooter for while and enjoy it.
It's not for everyone. But it was scootering that made me fall in love with two wheels and got me excited. And I've taken a 125 Honda click through the mountains of Thailand in the monsoon where water was flowing down the roads and parts of the hills were collapsing. You can take them just about anywhere.
I cannot see it being possible to do an advanced riding course on a scooter which someone with a cbt cert can legally ride around on.
I can't see myself getting anything so exotic that it will require a specialist. I reckon the most extreme bike I'd ever want is something like a twin Africa or many a pan European. If it allows me to write 1 or 2 years ncd I'll get the scooter for while and enjoy it.
It's not for everyone. But it was scootering that made me fall in love with two wheels and got me excited. And I've taken a 125 Honda click through the mountains of Thailand in the monsoon where water was flowing down the roads and parts of the hills were collapsing. You can take them just about anywhere.
milkround said:
Cheers.
I cannot see it being possible to do an advanced riding course on a scooter which someone with a cbt cert can legally ride around on.
I can't see myself getting anything so exotic that it will require a specialist. I reckon the most extreme bike I'd ever want is something like a twin Africa or many a pan European. If it allows me to write 1 or 2 years ncd I'll get the scooter for while and enjoy it.
It's not for everyone. But it was scootering that made me fall in love with two wheels and got me excited. And I've taken a 125 Honda click through the mountains of Thailand in the monsoon where water was flowing down the roads and parts of the hills were collapsing. You can take them just about anywhere.
I was expecting a huge insurance bill, but £180 fully comp on my Er6N for a new rider. I'm fully expecting a huge jump when I get a new big bike (MT09 or Z900 for example).I cannot see it being possible to do an advanced riding course on a scooter which someone with a cbt cert can legally ride around on.
I can't see myself getting anything so exotic that it will require a specialist. I reckon the most extreme bike I'd ever want is something like a twin Africa or many a pan European. If it allows me to write 1 or 2 years ncd I'll get the scooter for while and enjoy it.
It's not for everyone. But it was scootering that made me fall in love with two wheels and got me excited. And I've taken a 125 Honda click through the mountains of Thailand in the monsoon where water was flowing down the roads and parts of the hills were collapsing. You can take them just about anywhere.
I think it helped that my bike was only worth around £1400
DuckSauce said:
I was expecting a huge insurance bill, but £180 fully comp on my Er6N for a new rider. I'm fully expecting a huge jump when I get a new big bike (MT09 or Z900 for example).
I think it helped that my bike was only worth around £1400
How on Earth did you manage that? And who are you insured with? I think it helped that my bike was only worth around £1400
Best I can get on a brand new scooter is £245 and thats for thrird party, theft and fire. Which I thought was alright really. I've done the usual comparison site stuff.
milkround said:
How on Earth did you manage that? And who are you insured with?
Best I can get on a brand new scooter is £245 and thats for thrird party, theft and fire. Which I thought was alright really. I've done the usual comparison site stuff.
I'm 41 years old and it's with Bennett's Best I can get on a brand new scooter is £245 and thats for thrird party, theft and fire. Which I thought was alright really. I've done the usual comparison site stuff.
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