On a side note regarding security - My friend had his bike stolen from outside his girlfriends house one night, he was using all of the locks that he told his insurance about, but they still refused to pay out as there was a clause in the policy stating an additional security device must be used if left away from the home address overnight! Always read your policy information thoroughly!
had similar happen with one of my old bikes, an attempted theft but it was outside my own home, because I'd not put the bike cover on I said I had on the insurance they refused to help cover the cost of the damage done and would only do so if I paid double the excess I'd agreed to on the contract, at the time that was £600, way more than the cost of the damage done to the bike.. needless to say I didn't go through with the claim, fixed my bike myself and swapped insurance provider come renewal
@@Luna-JBbecause me being stupid at the time told them when they asked... as did the police when they gave their report, they said there was no bike cover etc at the scene
Another thing to look out for is listed security devices .. if you lock your bike up in your garage to a ground anchor with a dirty great big chain and lock, and list them on the insurance application, some insurers will expect you to be taking that huge chain and lock with you and using it every time you park up in public too. I know someone who had their claim refused on this basis, the bike was stolen from a public carpark and he had locked it with his listed disc lock but not the chain as that was only used at home (too heavy to carry about) ... admittedly it was a few years ago and things may have changed since ... but still something to be aware of.
@@spicy110 ahh so you did 🙂 ... I wonder how many riders have huge chains for use at home and dont realise their insurance expects them to be used everywhere 😟
@@MotoGoatoprobably need a car to carry my 19mm almax chain around with me. I can barely lift and and the squire ss65 padlock that probably weights 2kg+
@@NyalBurns must be nuts if you pay that my old moped was £60 pound 3rd party only got new honda vision june 24 plate went up to fully comp £150 for year and thats on L Plates
Here in Portugal pretty much NO ONE (except for probably Panigale people) insures their bikes beyond the mandatory third party coverage, for like 60€ a year If anything happens to our bikes, we're on our own I even asked my insurance (one of the big ones here) if they did full coverage like the rest of the world, and the guy was confused, said had to ring the main offices and ask for it to be done as like a bespoke case
Also... read the small print. I wanted my next years quote and was asked what my current mileage was, as it was over what I had been asked to 'estimate' originally I was told my insurance was void and had to take out new insurance from that day. Doesn't matter what security my garage had, they were only interested in whether the locks I was using on the bike were on their list of acceptable security devices. Watch out for things like... I can take my bike out of the garage and park it by my back gate while I nip indoors to get my gloves, in this instance it's not covered... and this is with a reputable company that many recommend!
You do know other people can use your bike so the mileage on your bike is not all down to you. You can insure your bike with 1k miles but it your friend does 10k on the bike that's nothing to do with you or your insurance.
@@dombower Most of the time this is correct. Careful with some black box policies though as they can differ and only allow the insured to use the car as they dont know who is driving. Any speeding or bad driving can get flagged to the black box user. Some policies even have an app you have to log other drivers in so if they speed its not down to the black box users. My van I use it for maybe 1k a year however other people put about 5k a year on it. I insure the van but when others use it they are covered by there own insurance. I am not responsible for those miles
Hey Spicy, another great video. Just a few points, from someone who works in insurance, gender is not a rateable factor. This is not something that can affect your premium anymore. This was abolished a few years back. Also be careful explaining "comprehensive" cover as "fully comp" or saying that everything is covered. Not everything is covered! This causes major problems in the industry as people expect everything to be covered but comprehensive simply means that your bike is covered for accidental damage - this is different to "everything" is covered. Finally, so glad you clarified it is "excess" and not "access". You wouldn't believe how many people don't know this!
I meant it as in you get all the cover from the lower coverage levels i.e. TP, F, T, and accidental damage. However, I can 100% see how people could interpret that as "ANYTHING" is covered. I will remember this in the future.
I've always wondered how in some cases TP ends up being more expensive than a comprehensive level of cover? appreciate you may not know since the system for quoting is all mysterious but its always confused me
@@flowcc that'll all come down to the stats the insurance companies have. Because historically it's been cheaper for inexperienced drivers/riders to be on third party only insurance, that also means the stats skew heavily towards people taking out TP insurance being more likely to be in an accident. This will compound heavily with other factors - somebody with a shiny brand new Porsche, working as a consultant/lawyer/vet/whatever, and taking out a third party insurance *probably* cares about the state of their car, but can afford to cover damage themselves (or are confident they'll be able to claim it on the other party). Somebody with a decade plus old, beat up Corsa, working in retail? Maybe not so much - so the risk of them carelessly scuffing someone's door in a carpark or whatever, and ending up with a claim is higher. Also remember that in those cases of cheap older cars, it's the third party claim that's expensive. Often the excess will be getting on for the value of the insured persons car (it's not unusual to see £1k excess on a new drivers insurance), so the insurer could just write it off and not be out any money. But if they've hit someone's beloved merc? New headlight could be nearly a grand alone. TL;DR: Third party indicates a higher tolerance for risk/lack of care about *your* car/bike, which translates to actual risk/cost to insurers.
32 , car licence for 8 years no points . Advanced driver and a heavy goods driver and my quote on a ninja 125 was £1300 a year . And I live in middle of nowhere . I was like that can’t be serious surely lol
If it is your first policy on a bike you are a new rider and they will charge you as so, though that does still sound a little high unless it's a brand new bike as well.
UK insurance companies are robbers in law, 5k insurance price can't be explained with all this schedule, they are simply robbers. Most expensive insurance prices in the world are in United kingdom.ROBBERS
my first year insurance on a 23 plate sinnis hoodlum, 48yo first year rider, first bike, cbt/provisional: £390 with Aviva, fully comp (and zero excess) on a 3 grand bike. I haven't made any claims, by the time April comes around, providing I still haven't made a claim... frankly I would be surprised if my insurance was any lower.
similar boat here - I've been riding a few years renewing my cbt whilst saving for a new bike + full test costs, my insurance last year with bikesure was £290 fully comp with breakdown cover and all the extras, £200 excess but under the excess protect thing they do I don't have to pay that upfront atleast according to the small print, I opt for the monthly payments as it's a little easier for me personally. this year it only dropped a measly £10! but even whilst shopping around that was still the cheapest I could get, same bike as previous years an older model sinnis cafe, same location/security etc too.
Looking at getting a 2019 yamaha mt 125 insured, not much millage on it for the age and I'd be a first time rider, I got a quote of 1800 with full coverage (fire, helmet leathers, legal and breakdown) feel like I've got a good deal, this video has actually helped me out, thank you
Passing my test put my insurance price up slightly. I went from paying £73 fully comprehensive for a 1990 TZR 125 (Valued at £4500) to £76, I asked why and they said "Before I passed my insurance covered me to ride any other bike (with the owners consent) but that would only be other 125cc bikes and now I have a full licence I could jump on a Fireblade so slightly higher risk. The other strange thing is, I bought myself a Kawasaki Z750 as my first bike and fully comp its only costing me £86 to insure. Must be because I'm 52 years old lol.
@@spicy110I'm paying £44 a year to insure my bmw f800gs. Fully comp. 1 child under 16 44years old safe area full no claims no points. It was actually going to be £148 for a wr125x so I stuck with the f800
I'm 25, just got my full motorbike license. Quotes for insurance are ridiculous, even to insure a GROM they want 900 for the year. Cheapest I could find was 770 for an Sv650. For reference I live just outside manchester. Regret getting my license at this point.
insurance i a black art yes age and size bike and were you keep it also what mood their in and is it a full moon ? i use NFU pretty good also been give bonus if renew no share holders
Buying a yzf r125 2008-2018 not to sure yet. Being quoted 2040 upfront or 2500 monthly which is ridiculous for a bike, my first bike at 17. What should I do?
do motorcycle insurers separate commercial from social to calculate the premium based on risk? I ask as if not, then use non commercial riders are paying a heavy price for pizzas to be delivered……
@@CallumsHDGaming but do insurers separate the risk ? Re are we all lumped into one pot and then the premiums shared out whether we are commercial or not.
I have a learners license for my motorcycle the rules say I can’t have a passenger but I will be having someone on the back if I were to crash am I covered or does this void the insurance
If you do not have a licence for a pillion, i.e you are on a CBT, then do not take people on the back you plank! If you are not following the law that automatically will void a claim, should that claim involve a 3rd party you will do great damage the that person including the person on the back. Be smarter!
I have a multi-bike policy so it's hard to know the exact price but I have not noticed it being any more experience on it's own. Alot of this could be to so with area and storage tho.
@@spicy110 Likewise multi-bike here too, I asked out of curiousity and was taken back lol. Both garaged (where they belong!). Many thanks for your DRZ series videos proved a big help especially forks and those moving forwards, you should do some more ;)
Insurance companies are wierd my partner has been driving for 3 years and wierdly it’s cheaper to insure her car kept on the driveway than in a locked garage, because apparently don’t quote me if I’m wrong but apparently some insurance companies cover the garage as well as the vehicle, so some insurance companies prefer if you park on the road, but on the agenda about motorbikes I wish there was an option to say it’s kept in your house 😂😂😂
The other thing is the number of people who scuff their cars squeezing into a narrow garage, or knock something over in said garage damaging the car, and then claim on the insurance. That happens enough in a low vehicle theft area, and suddenly the risk of having to pay out a claim is lower for cars on driveways.
Where you live, what you do for work, the crime rate in your area, where the bike is kept over night and a ton of others things gets you the price you pay. Its is not a case of age and bike, best thing to do it call insurance companies and get a quote. Do not bother with comparison sites.
My sister was knocked off her 125 on a roundabout almost 4 years ago, the driver of the van admitted he was to blame, She is still waiting for it to be settled,
36yo first bike but been driving car since 17 first year fully comp on 2022 MT07 no previous crashes, Low crime area locked with chain was £800 everywhere else quoting stupid numbers over £1k have i been shafted? i really hope this drops to realistic numbers
I did a quote on compare the market and it came back £950 for a 2021 kawazaki z125. Im 32 ive been driving cars for the last 12 years with a clean licence, no accidends or points. I paid about 700 for a hyosung gtr125 when i was 20 on a cbt. Its put me right off getting back on the saddle now
If you are saying you are looking to do the CBT again now and getting that bike, Honestly that is not a bad quote for a first year rider on a 2021 bike. Also the comparison sites are rubbish at giving accurate quotes. Previous CBT's being so long ago do not come in to it nor does having a car as it is not a bike. Also you did not say what level of cover was that?
@spicy110 it was for fully comp. I just didn't think it would've been that expensive for someone who is 30+ I was hoping for something like £300 but maybe that's just me being unrealistic, then again the bike is only worth £3000 so £950 insurance is a bit of a rip off I think 🤔 I only put it down for 2000 miles as I wanted to get one for the summer months to work and back + the occasional weekend ride out
Fully comp that is not bad at all for a first year. The reasons it's more is people very often crash in their first year riding regardless of age. So it stings to start with but once you gett a couple of years in it starts to fall. I pay less than £450 for 2 large cc bikes with business cover, fully comp the lot.
i dont trust compare the market... its total ass sometimes. Try out MCN compare they've given me more options and better information input such as do i own a car license for how long. did you have a claim? if yes was it for the motorcycle? its more thorough. with compare the market they are so bare basic and the damned insurance company called me up and had to change information and make me pay for that shit...
Business type is the difference for me 2 years of paying £2000 when in reality could've been paying £950 if I put retailing instead of entertainment cause I work in an bowling alley :D :D
None will, they can't as it is a different class of vehicle, the same reason you have different licences. I will add, that if you are using comparison sites don't, just call someone and you will get more realistic quotes.
I am 64 years old and it is more expensive to insure 3rd party or the fire and theft. Sounds Crazy, but for me thats how it is. Living in notrh Cumbria
Unfortunately the insurers act accordingly. It is kind of rip off in the uk and it seems there is no power upon their high premiums. If you ride a new Superbike chance of buying a policy is almost zero and impossible or it will be over £5k a year regardless of your NCD. So disappointing.
Never seen or heard of that being the case. They are covering you for a lot more liability. Why would they offer that cheaper? Assuming you mean comparatively with the same company.
I'm 20 years old and had it on a few bikes I've looked at, can't really explain it myself but I've once had a Comprehensive come out at £1600 and third part f & t + third party come out at £1800- £2000
Re shopping around don't play around with your job, if it's in the garage, drive etc as you'll get flagged as potential fraud. I wanted to see how much it changed by if I left it on my drive and if I changed jobs. Had to send off my licence and explain to them why I did this. No biggy but they made it clear they would cancel the policy if they went satisfied.
What I mean is not all jobs fit into one of their categories perfectly. That is why I said to ask them about it when you get your quote, not lying what it is!
I couldn't give two fucks about my bike being stolen, tell me why its quoting me aged 21 years old with an A2 license...for £8000!!!! yes I live in London but there is absolutely 0 reason for insurance to cost 8x more than my bike??? absurd. genuinely just modern day robbery
just say your retired and that drops it a lot. more flats are going up so soon you wont have anywhere to park your bike, but that's what the government want, people not to have their own vehicle. i have an idea, how about we put money into an account every month, then we can make interest of it instead of them. has anyone ever thought that we already have insurance. how's say £1500 a year going to pay for a car that cost say £50k-£70k plus injuries. the insurance company are just the middle people that access your account you have set up from birth.
If you end up in a big accident that goes to a court and they do an investigation, you could end up liable for everything with no insurance to help you whatsoever…. And potentially an insurance fraud charge.
Totally depends how serious it is. If the police investigate big time they can use anything against you. Simple prang in the car park no one will ever check
On a side note regarding security - My friend had his bike stolen from outside his girlfriends house one night, he was using all of the locks that he told his insurance about, but they still refused to pay out as there was a clause in the policy stating an additional security device must be used if left away from the home address overnight! Always read your policy information thoroughly!
had similar happen with one of my old bikes, an attempted theft but it was outside my own home, because I'd not put the bike cover on I said I had on the insurance they refused to help cover the cost of the damage done and would only do so if I paid double the excess I'd agreed to on the contract, at the time that was £600, way more than the cost of the damage done to the bike.. needless to say I didn't go through with the claim, fixed my bike myself and swapped insurance provider come renewal
@@Luna-JBbecause me being stupid at the time told them when they asked... as did the police when they gave their report, they said there was no bike cover etc at the scene
Another thing to look out for is listed security devices .. if you lock your bike up in your garage to a ground anchor with a dirty great big chain and lock, and list them on the insurance application, some insurers will expect you to be taking that huge chain and lock with you and using it every time you park up in public too. I know someone who had their claim refused on this basis, the bike was stolen from a public carpark and he had locked it with his listed disc lock but not the chain as that was only used at home (too heavy to carry about) ... admittedly it was a few years ago and things may have changed since ... but still something to be aware of.
I talked about this in the video.
@@spicy110 ahh so you did 🙂 ... I wonder how many riders have huge chains for use at home and dont realise their insurance expects them to be used everywhere 😟
indeed!
@@MotoGoatoprobably need a car to carry my 19mm almax chain around with me. I can barely lift and and the squire ss65 padlock that probably weights 2kg+
£7k for a bike worth 1400 pounds is heart attacking
I’m getting quoted £2,500 for a bike for £1,500.
@@NyalBurns I’m newly 17
@@NyalBurns must be nuts if you pay that my old moped was £60 pound 3rd party only got new honda vision june 24 plate went up to fully comp £150 for year and thats on L Plates
@@mr7_noob I’m 19! I was 18 three months ago. And held a CBT for 4 months from that point.
@@iandaniels8386 Third party only was £2,150. So not that great still.
Here in Portugal pretty much NO ONE (except for probably Panigale people) insures their bikes beyond the mandatory third party coverage, for like 60€ a year
If anything happens to our bikes, we're on our own
I even asked my insurance (one of the big ones here) if they did full coverage like the rest of the world, and the guy was confused, said had to ring the main offices and ask for it to be done as like a bespoke case
Wow, I had no idea it was like that their.
Come to the uk they asked £2500 to my soon just because he don’t have any claim bonus 😂
One of the very few advantages of being an old bugger is insurance costs go down up until a point in your eighties when they rocket again.
Also... read the small print. I wanted my next years quote and was asked what my current mileage was, as it was over what I had been asked to 'estimate' originally I was told my insurance was void and had to take out new insurance from that day. Doesn't matter what security my garage had, they were only interested in whether the locks I was using on the bike were on their list of acceptable security devices. Watch out for things like... I can take my bike out of the garage and park it by my back gate while I nip indoors to get my gloves, in this instance it's not covered... and this is with a reputable company that many recommend!
You do know other people can use your bike so the mileage on your bike is not all down to you. You can insure your bike with 1k miles but it your friend does 10k on the bike that's nothing to do with you or your insurance.
@@givman2004really?
@@dombower Most of the time this is correct. Careful with some black box policies though as they can differ and only allow the insured to use the car as they dont know who is driving. Any speeding or bad driving can get flagged to the black box user. Some policies even have an app you have to log other drivers in so if they speed its not down to the black box users.
My van I use it for maybe 1k a year however other people put about 5k a year on it. I insure the van but when others use it they are covered by there own insurance. I am not responsible for those miles
Hey Spicy, another great video. Just a few points, from someone who works in insurance, gender is not a rateable factor. This is not something that can affect your premium anymore. This was abolished a few years back. Also be careful explaining "comprehensive" cover as "fully comp" or saying that everything is covered. Not everything is covered! This causes major problems in the industry as people expect everything to be covered but comprehensive simply means that your bike is covered for accidental damage - this is different to "everything" is covered.
Finally, so glad you clarified it is "excess" and not "access". You wouldn't believe how many people don't know this!
I meant it as in you get all the cover from the lower coverage levels i.e. TP, F, T, and accidental damage. However, I can 100% see how people could interpret that as "ANYTHING" is covered. I will remember this in the future.
I've always wondered how in some cases TP ends up being more expensive than a comprehensive level of cover? appreciate you may not know since the system for quoting is all mysterious but its always confused me
@@flowcc that'll all come down to the stats the insurance companies have. Because historically it's been cheaper for inexperienced drivers/riders to be on third party only insurance, that also means the stats skew heavily towards people taking out TP insurance being more likely to be in an accident.
This will compound heavily with other factors - somebody with a shiny brand new Porsche, working as a consultant/lawyer/vet/whatever, and taking out a third party insurance *probably* cares about the state of their car, but can afford to cover damage themselves (or are confident they'll be able to claim it on the other party). Somebody with a decade plus old, beat up Corsa, working in retail? Maybe not so much - so the risk of them carelessly scuffing someone's door in a carpark or whatever, and ending up with a claim is higher.
Also remember that in those cases of cheap older cars, it's the third party claim that's expensive. Often the excess will be getting on for the value of the insured persons car (it's not unusual to see £1k excess on a new drivers insurance), so the insurer could just write it off and not be out any money. But if they've hit someone's beloved merc? New headlight could be nearly a grand alone.
TL;DR: Third party indicates a higher tolerance for risk/lack of care about *your* car/bike, which translates to actual risk/cost to insurers.
Also being married helps bring the cost down. Working on licensed premises like a pub or a restaurant will cost you more
I'm widowed and in a civil partnership, have fun with that. :)
Until the other half realises you've saved some cash 😜.
@@jon-paulgrainger1303 that's so true 🤣🤣🤣🤣
32 , car licence for 8 years no points . Advanced driver and a heavy goods driver and my quote on a ninja 125 was £1300 a year . And I live in middle of nowhere . I was like that can’t be serious surely lol
If it is your first policy on a bike you are a new rider and they will charge you as so, though that does still sound a little high unless it's a brand new bike as well.
21, car license since i was 18, 3 year NCB no points. for a used 2022 ktm 390 with 10000k miles they had me at £6000 the bikes only worth half that 😭😭
go somewere else robbing you daft
I think a video about how to find events, meets and people to go out riding with would be good for new riders.
UK insurance companies are robbers in law, 5k insurance price can't be explained with all this schedule, they are simply robbers. Most expensive insurance prices in the world are in United kingdom.ROBBERS
5K? I pay less than £400 a year for 2 bikes fully comp and business cover.
legal robbery with the support and help from the goverment what makes the laws
my first year insurance on a 23 plate sinnis hoodlum, 48yo first year rider, first bike, cbt/provisional: £390 with Aviva, fully comp (and zero excess) on a 3 grand bike. I haven't made any claims, by the time April comes around, providing I still haven't made a claim... frankly I would be surprised if my insurance was any lower.
similar boat here - I've been riding a few years renewing my cbt whilst saving for a new bike + full test costs, my insurance last year with bikesure was £290 fully comp with breakdown cover and all the extras, £200 excess but under the excess protect thing they do I don't have to pay that upfront atleast according to the small print, I opt for the monthly payments as it's a little easier for me personally.
this year it only dropped a measly £10! but even whilst shopping around that was still the cheapest I could get, same bike as previous years an older model sinnis cafe, same location/security etc too.
Looking at getting a 2019 yamaha mt 125 insured, not much millage on it for the age and I'd be a first time rider, I got a quote of 1800 with full coverage (fire, helmet leathers, legal and breakdown) feel like I've got a good deal, this video has actually helped me out, thank you
what insurance company did u go for?
Bro’s made video on every single topic😵💫😵💫😵💫
Anything I search for, this guy has explained
Yep, I have spent years trying to help people get on to bikes. 🙂👌
@@spicy110 thanks man
As a new rider, on a brand new 125, I’m being quoted 3000 a year
Yer that is a very high risk policy for them.
Passing my test put my insurance price up slightly. I went from paying £73 fully comprehensive for a 1990 TZR 125 (Valued at £4500) to £76, I asked why and they said "Before I passed my insurance covered me to ride any other bike (with the owners consent) but that would only be other 125cc bikes and now I have a full licence I could jump on a Fireblade so slightly higher risk. The other strange thing is, I bought myself a Kawasaki Z750 as my first bike and fully comp its only costing me £86 to insure. Must be because I'm 52 years old lol.
Wait is that £86 a month or a year?
@@spicy110 a year
@@lusid6662008 DAMN! And I thought mine was cheap under £500 a year. Having said that it is 2 bikes on business cover.
@@spicy110I'm paying £44 a year to insure my bmw f800gs. Fully comp. 1 child under 16 44years old safe area full no claims no points. It was actually going to be £148 for a wr125x so I stuck with the f800
Would I be allowed to have a tzr 125 at 17 on a cbt because they make 26 horsepower , was curious if older 2 stroke 125s weren’t legal at my age
I'm 25, just got my full motorbike license. Quotes for insurance are ridiculous, even to insure a GROM they want 900 for the year. Cheapest I could find was 770 for an Sv650. For reference I live just outside manchester. Regret getting my license at this point.
insurance i a black art yes age and size bike and were you keep it also what mood their in and is it a full moon ?
i use NFU pretty good also been give bonus if renew no share holders
Buying a yzf r125 2008-2018 not to sure yet. Being quoted 2040 upfront or 2500 monthly which is ridiculous for a bike, my first bike at 17. What should I do?
I’m trying to get a lexmoto titan 125cc moped and I’m being quoted 1.7k ridiculous
I would shop around a bit that sounds a little high. Also call companies the comparison sites are not reliable.
do motorcycle insurers separate commercial from social to calculate the premium based on risk?
I ask as if not, then use non commercial riders are paying a heavy price for pizzas to be delivered……
Yes it should be seperate cover for buisness, delivery driver or courier
@@CallumsHDGaming but do insurers separate the risk ? Re are we all lumped into one pot and then the premiums shared out whether we are commercial or not.
Ohhh ok I get your question now, I do not know this answer but it’s a good point
I have a learners license for my motorcycle the rules say I can’t have a passenger but I will be having someone on the back if I were to crash am I covered or does this void the insurance
If you do not have a licence for a pillion, i.e you are on a CBT, then do not take people on the back you plank! If you are not following the law that automatically will void a claim, should that claim involve a 3rd party you will do great damage the that person including the person on the back. Be smarter!
Spicy make sense that my 05' DRZ SM is more expensive than my 14' 675 Street Triple? How's yours?
I have a multi-bike policy so it's hard to know the exact price but I have not noticed it being any more experience on it's own. Alot of this could be to so with area and storage tho.
@@spicy110 Likewise multi-bike here too, I asked out of curiousity and was taken back lol. Both garaged (where they belong!). Many thanks for your DRZ series videos proved a big help especially forks and those moving forwards, you should do some more ;)
Insurance companies are wierd my partner has been driving for 3 years and wierdly it’s cheaper to insure her car kept on the driveway than in a locked garage, because apparently don’t quote me if I’m wrong but apparently some insurance companies cover the garage as well as the vehicle, so some insurance companies prefer if you park on the road, but on the agenda about motorbikes I wish there was an option to say it’s kept in your house 😂😂😂
The other thing is the number of people who scuff their cars squeezing into a narrow garage, or knock something over in said garage damaging the car, and then claim on the insurance. That happens enough in a low vehicle theft area, and suddenly the risk of having to pay out a claim is lower for cars on driveways.
Mine is no difference garage drive or road it's all the same price
whats that intro beat called ?
Very useful Spicy, thanks.
I’m 17 and I want to get a 2008 2500£ r125, how much should I expect annually?
Where you live, what you do for work, the crime rate in your area, where the bike is kept over night and a ton of others things gets you the price you pay. Its is not a case of age and bike, best thing to do it call insurance companies and get a quote. Do not bother with comparison sites.
do i put the value of what i bought it for cause i got a mt 125 24 plate bought last week surley its 5grand?
You want to insure it for what it would cost to replace, but know you do not get that if you write the bike off, you get current market value.
i have a Chinese bike, a Zontes ZT350. when i was looking for insurance i had trouble finding a company who would cover me
As mentioned, Rampdale assuming they are still going.
Hastings Direct, Bikesure, MCN, MAG, Swinton... my current policy is through Aviva.
@@BlokeOnAMotorbike what bike do you have
My sister was knocked off her 125 on a roundabout almost 4 years ago, the driver of the van admitted he was to blame,
She is still waiting for it to be settled,
Iv found all of these are good and work 100% good vid Mr spice 110
36yo first bike but been driving car since 17 first year fully comp on 2022 MT07 no previous crashes, Low crime area locked with chain was £800 everywhere else quoting stupid numbers over £1k have i been shafted? i really hope this drops to realistic numbers
I did a quote on compare the market and it came back £950 for a 2021 kawazaki z125. Im 32 ive been driving cars for the last 12 years with a clean licence, no accidends or points.
I paid about 700 for a hyosung gtr125 when i was 20 on a cbt. Its put me right off getting back on the saddle now
If you are saying you are looking to do the CBT again now and getting that bike, Honestly that is not a bad quote for a first year rider on a 2021 bike. Also the comparison sites are rubbish at giving accurate quotes. Previous CBT's being so long ago do not come in to it nor does having a car as it is not a bike. Also you did not say what level of cover was that?
@spicy110 it was for fully comp. I just didn't think it would've been that expensive for someone who is 30+ I was hoping for something like £300 but maybe that's just me being unrealistic, then again the bike is only worth £3000 so £950 insurance is a bit of a rip off I think 🤔
I only put it down for 2000 miles as I wanted to get one for the summer months to work and back + the occasional weekend ride out
Fully comp that is not bad at all for a first year. The reasons it's more is people very often crash in their first year riding regardless of age. So it stings to start with but once you gett a couple of years in it starts to fall. I pay less than £450 for 2 large cc bikes with business cover, fully comp the lot.
i dont trust compare the market... its total ass sometimes. Try out MCN compare they've given me more options and better information input such as do i own a car license for how long. did you have a claim? if yes was it for the motorcycle? its more thorough. with compare the market they are so bare basic and the damned insurance company called me up and had to change information and make me pay for that shit...
Business type is the difference for me 2 years of paying £2000 when in reality could've been paying £950 if I put retailing instead of entertainment cause I work in an bowling alley :D :D
Is there a ilegal problem if you drive without insurenc
Yes, they would take your bike and give you a load of fines.
Does Voom require 18+ for their insurance
Do you know of any motorcycle insurers that take no claims gained from driving a car into account?
None will, they can't as it is a different class of vehicle, the same reason you have different licences. I will add, that if you are using comparison sites don't, just call someone and you will get more realistic quotes.
I am 64 years old and it is more expensive to insure 3rd party or the fire and theft. Sounds Crazy, but for me thats how it is. Living in notrh Cumbria
Unfortunately the insurers act accordingly. It is kind of rip off in the uk and it seems there is no power upon their high premiums. If you ride a new Superbike chance of buying a policy is almost zero and impossible or it will be over £5k a year regardless of your NCD. So disappointing.
More recent video on this subject th-cam.com/video/Xu0FsnJdb98/w-d-xo.html
Passed my DAS insured my street triple next day for £360 fully comp I’m 25 Y/O lol cheap
How? For the year?
@@512460 entered details on a comparison website and was the best quote. Unsure why so cheap tho
I just got quoted nearly 8k a year for a sport bike.
What bike and what age
Just be careful because sometimes comprehensive can come out as the cheapest option
Never seen or heard of that being the case. They are covering you for a lot more liability. Why would they offer that cheaper? Assuming you mean comparatively with the same company.
I'm 20 years old and had it on a few bikes I've looked at, can't really explain it myself but I've once had a Comprehensive come out at £1600 and third part f & t + third party come out at £1800- £2000
Was that on a comparison site?
Yeah it was on confused
If you insure fully comp some companies think you are more risk aware. So less likely to have an accident
thanks
17yrs old .. srt125 moped 3400 fully comp or 2200 3rd party only .. Joke p.s bike only worth 2000 new
Have you called anyone or only looked online?
@@spicy110 just compare atm... its for my son for crimbo so il do some ringing around like you suggest
100% call people!
Re shopping around don't play around with your job, if it's in the garage, drive etc as you'll get flagged as potential fraud. I wanted to see how much it changed by if I left it on my drive and if I changed jobs. Had to send off my licence and explain to them why I did this. No biggy but they made it clear they would cancel the policy if they went satisfied.
What I mean is not all jobs fit into one of their categories perfectly. That is why I said to ask them about it when you get your quote, not lying what it is!
wah
I couldn't give two fucks about my bike being stolen, tell me why its quoting me aged 21 years old with an A2 license...for £8000!!!! yes I live in London but there is absolutely 0 reason for insurance to cost 8x more than my bike??? absurd. genuinely just modern day robbery
I have a video for you th-cam.com/video/Xu0FsnJdb98/w-d-xo.htmlsi=v-h1UBmDBH_l3zm9
@@spicy110 how topical! thank you man, watching it now :))
just say your retired and that drops it a lot.
more flats are going up so soon you wont have anywhere to park your bike, but that's what the government want, people not to have their own vehicle.
i have an idea, how about we put money into an account every month, then we can make interest of it instead of them.
has anyone ever thought that we already have insurance. how's say £1500 a year going to pay for a car that cost say £50k-£70k plus injuries. the insurance company are just the middle people that access your account you have set up from birth.
Ive been told 2k 😂😂
for what bike on what licence?
@@spicy110 cbt for a sinnis apache sm/xe
Provisional cbt
@@THELW_ Do you have a garage?
insurance in the uk is a fucking scam
Please expand?
You could lie about your job..... its not like your insurer will phone up your job they arn't your employer 😂
I've always wondered about this, along with the commuting option. My last claim, I wasn't asked where I was going or where I work when I was hit.
If you end up in a big accident that goes to a court and they do an investigation, you could end up liable for everything with no insurance to help you whatsoever…. And potentially an insurance fraud charge.
Totally depends how serious it is. If the police investigate big time they can use anything against you. Simple prang in the car park no one will ever check
@@edwardpurkis1084 thats unlikely to happen
But the big question is which job is the cheapest?