Elation of passing dampened by insurance...
Discussion
Not really a question or anything, probably more of a rant maybe
So I got my full license last Friday after 3 days of lessons (highly recommend Steve from A-Z in Gillingham). Passed Mod1 and Mod2 Friday morning and have been buzzing since!
Well until yesterday evening. Was looking at sv650s as a sensible option and street triples as the one I 'wanted'. As you would expect, I was talked out of the sv650 so looked at a few triples yesterday. Bit on the pricey end but was good to sit on them although frustrating I couldn't test drive anything!
Anyway, got home and went to check out insurance... 2.5k, then 1.4k and then down to 760ish for just third party. Even talking to my car insurer (Adrian Flux) who The Bike Insurer found to be the cheapest came out at 800+. This seems nuts to me. It won't be in a garage but will be chained up.
Pretty disheartened by it as a much bigger chunk of my budget will now be on insurance which means a triple might be out of the question.
Even more annoying is there are no sv650s locally and I cant test drive them anyway! Was confident of a triple being great without a test drive but not so sure about an sv...
Any suggestions or advice? (I'm not after bike suggestions as I've been looking for months and kinda know what I like and don't already.)
Thanks
So I got my full license last Friday after 3 days of lessons (highly recommend Steve from A-Z in Gillingham). Passed Mod1 and Mod2 Friday morning and have been buzzing since!
Well until yesterday evening. Was looking at sv650s as a sensible option and street triples as the one I 'wanted'. As you would expect, I was talked out of the sv650 so looked at a few triples yesterday. Bit on the pricey end but was good to sit on them although frustrating I couldn't test drive anything!
Anyway, got home and went to check out insurance... 2.5k, then 1.4k and then down to 760ish for just third party. Even talking to my car insurer (Adrian Flux) who The Bike Insurer found to be the cheapest came out at 800+. This seems nuts to me. It won't be in a garage but will be chained up.
Pretty disheartened by it as a much bigger chunk of my budget will now be on insurance which means a triple might be out of the question.
Even more annoying is there are no sv650s locally and I cant test drive them anyway! Was confident of a triple being great without a test drive but not so sure about an sv...
Any suggestions or advice? (I'm not after bike suggestions as I've been looking for months and kinda know what I like and don't already.)
Thanks
Dan130i said:
Not really a question or anything, probably more of a rant maybe
Any suggestions or advice? (I'm not after bike suggestions as I've been looking for months and kinda know what I like and don't already.)
Thanks
MCE are usually cheapest by a long way for insurance, but they have a very high excess. Reviews also say their customer service, if you need it, sucks. Any suggestions or advice? (I'm not after bike suggestions as I've been looking for months and kinda know what I like and don't already.)
Thanks
Plug the bikes you want into a comparison site and buy the bike you want which -also- has a sensible insurance premium you can live with.
PS sometimes there is very little or no difference between saying your bike will be chained up and saying it will have no additional security. I always say I have no additional security, even though I chain it. If it were to get stolen the one time out of 100 I don't chain it, I don't want a discussion about if it was the security level which I put on the disclosure when I bought the insurance.
Second PS: most chains, including chains you see in bike shops, are crap. They can be cut with ordinary bolt cutters in seconds. Research your chains before you buy one.
Second PS: most chains, including chains you see in bike shops, are crap. They can be cut with ordinary bolt cutters in seconds. Research your chains before you buy one.
A Triple and no garage will be brave, their popularity make them theft magnets, the SV is a cracking bike, not s a screamer like the Triple but a very very easy bike to make progress on and soft enough that they are quite forgiving for newer rider, there is a reason that for a long time they were one of the preferred choices for recently qualified riders, also lots of upgrade and replacement bits and reasonably cheap to run ... also hold their value well because they are cheaper generally to insure and run, easier to move on at a later date ....
PS, congrats on passing and welcome to the clan.
PS, congrats on passing and welcome to the clan.
Cheers for all the responses!
I think need to tell myself an sv will be fine! Just got it in my head it was going to be a triple haha
Nahh I already thought of that haha but everyone down my road seems to use their garages!
I think need to tell myself an sv will be fine! Just got it in my head it was going to be a triple haha
StreetDragster said:
Do you know any experienced riders?
A friend of mine in a similar situation added another rider as a named rider (not the main user) and it brought his premium down a bit.
Is there any little old ladies nearby with garages they dont use which you could rent for the first year?
Ah okay, that might be worth a shot then, I know a few so that could work.A friend of mine in a similar situation added another rider as a named rider (not the main user) and it brought his premium down a bit.
Is there any little old ladies nearby with garages they dont use which you could rent for the first year?
Nahh I already thought of that haha but everyone down my road seems to use their garages!
Iminquarantine said:
MCE are usually cheapest by a long way for insurance, but they have a very high excess. Reviews also say their customer service, if you need it, sucks.
Plug the bikes you want into a comparison site and buy the bike you want which -also- has a sensible insurance premium you can live with.
£2414 from these guys!! Just checked - outrageous!Plug the bikes you want into a comparison site and buy the bike you want which -also- has a sensible insurance premium you can live with.
I treat insurance as a necessary evil and get the cheapest I can find TPO. 7 years NCB only £80 for a FZS600 at 24 with MCE.
I've had to use them a few times (all non fault) and whilst they haven't been great they've paid out.
I'd recommend just getting an old banger until you get a few years NCB. I got my FZS600 for £1100 and although it's 18 years old, it can still shift!
I've been tempted by a Street Triple, but then for the price of the one I want, I could get at least 6 of my FZS600...
I've had to use them a few times (all non fault) and whilst they haven't been great they've paid out.
I'd recommend just getting an old banger until you get a few years NCB. I got my FZS600 for £1100 and although it's 18 years old, it can still shift!
I've been tempted by a Street Triple, but then for the price of the one I want, I could get at least 6 of my FZS600...
First year insurance on a decent bike is always going to be fairly ruinous I think. IIRC mine was something like £800-900 on a Street Triple aged 29. Mods can be terrible too – I stupidly declared the quick shifter on my bike (fitted by previous owner) when I should have just removed it (it didn't bloody work!), and got shafted for a "performance upgrade".
It gets signficantly cheaper in subsequent years however, so take comfort in that. Assuming you don't bin it.
I agree re not declaring specific locks etc. For example, I double lock my bike when it's at the office, but at home I often don't bother. It seems to make little or no difference to the quotes I get.
It gets signficantly cheaper in subsequent years however, so take comfort in that. Assuming you don't bin it.
I agree re not declaring specific locks etc. For example, I double lock my bike when it's at the office, but at home I often don't bother. It seems to make little or no difference to the quotes I get.
The risk of theft of motorcycles is very high, hence the insurance premiums. Usually new rider insurance is loaded for a couple of years as statistically thats when most accidents occur. So you have a double whammy, new rider and no garage ....there is a good change of a claim in the first 2 years.
Do you have space for a shed ? you can get Asgard metal bike garages which are insurance approved https://www.asgardsss.co.uk/motorcycle-garage
Try getting a few quotes with bike in a locked garage and see what difference it makes, so then you can see how much is down to lack of experience and how much its worth spending on security.
Do you have space for a shed ? you can get Asgard metal bike garages which are insurance approved https://www.asgardsss.co.uk/motorcycle-garage
Try getting a few quotes with bike in a locked garage and see what difference it makes, so then you can see how much is down to lack of experience and how much its worth spending on security.
Do you need a modern bike?
Our Maud passed her test and bought a GPZ500S. Cost less than £130 on a classic policy.
In fact, it was cheaper than the RV125 that she rode on L plates.
No use if you need to ride in London, but a decent semi-classic can hold its own against a lot of modern stuff.
Our Maud passed her test and bought a GPZ500S. Cost less than £130 on a classic policy.
In fact, it was cheaper than the RV125 that she rode on L plates.
No use if you need to ride in London, but a decent semi-classic can hold its own against a lot of modern stuff.
When I was 19 I had a Street Triple R.
With all the options, exhausts, rearsets, quickshifter and so on. Mods declared
1 year No claims.
Kept outside under a cover with a ground anchor, tracker and Datatool alarm.
Fully comp - £650.
I had an SV650s prior also and that was £400 fully comp!
With all the options, exhausts, rearsets, quickshifter and so on. Mods declared
1 year No claims.
Kept outside under a cover with a ground anchor, tracker and Datatool alarm.
Fully comp - £650.
I had an SV650s prior also and that was £400 fully comp!
I sold a 765 RS and got a SV650 (one of the new gen ones but there isn't much difference).
Its been great. You won't be disappointed. Scope to put different springs and a shock in at some point to give it a bit more focus.
Its a 0-60 in 3 second bike and quarter mile in low 12s. As others have said if its a sorted one with good tyres your skill won't exceed its abilities on the road.
Its been great. You won't be disappointed. Scope to put different springs and a shock in at some point to give it a bit more focus.
Its a 0-60 in 3 second bike and quarter mile in low 12s. As others have said if its a sorted one with good tyres your skill won't exceed its abilities on the road.
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