Long-time away from it, so not too aware of the current market.

Anybody know, approximately, what the charge would be for fully comp on an 600-700cc tourer value £6,000 in NW London, with m/c licence dating from 1975 - garaging iesidents car park ?

Nick

Nick , just do a search on the MCN site, you can amend stuff change the bike etc. just got a good quote on my zx9 as my renewal was ridiculous.

There are a few comparison site which will do bike insurance, give them a quick go. Too many variables in the insurance game to be able to compare properly with someone else.

The reason for asking for a rough order of magnitude was that I wanted to avoid any quote details feeding back into and influencing next years car quote.

Anyway, I've gone and got a quote now.

Bit of a shocker, as its £180 more for comprehensive than the current premium on the Fabia. When I first started motorcycling in 1975 that relation was reversed !

So it was £521 per annum for social use only by me, for a new Honda Deauville, 2000 annual mileage, residents car park storage, Abus chain and Honda Alarm/immobilser, No CBT (Although I did a voluntary pre-cursor of the CBT at a local driving centre run by the council).

I presume that a fair bit of that price reflects London nickability factors.

Is that price good, bad or indifferent by modern standards ?

Are there any particular factors which if addressed will reduce the price significant ? e.g. a combined car + bike policy, proper garaging ?

Nick

London postcode, ungaraged and no no-claims will hurt you. Can't see the lack of a CBT being an issue as you have a full licence. Also sounds like you have not regularly ridden in the last few years.

I'm sure I've seen something about some insurers taking you car no claims into account so worth doing a bit of digging.

Various things may reduce your premium but I guess just very slightly. Approved alarm/immobiliser, approved other security (chain, ground anchor, smart water, data tag, etc..) and as you recognise, stick it in a garage. Also look at advanced training, this can help reduce premiums but is an initial expense to start with, which in reality may take some time to recoup, cheaper start is if the local plods are doing a Bikesafe course, some are free, others are a small fee.

All said though, keep shopping around to find the insurer who's ideal profile you fit into.

I think my renewal last year was about 250, but I live in a low risk area, garage it, have full ncb and advanced training but the bike is over 1000cc and I get more than 2000 miles.

There has been a lot of press coverage about "born again bikers" over the past few years and that the insurance companies considered them to be at higher risk than recently qualified bikers.

There has been a lot of press coverage about "born again bikers" over the past few years and that the insurance companies considered them to be at higher risk than recently qualified bikers.

Born agains are a high risk group as they have the disposable income to buy a big powerful bike having last ridden something twice the weight with a fraction of the power years before. I'm sure when I renew my policy that I get asked about having ridden in the past few years. However the bike the OP is talking about is not a high power machine and is quite a sensible entry level bike, which will actually help the insurance.

65 HP and Torque less than the Fab -i.e. just enough to tootal along at 60-70 on motorways with enough power to make windy A roads fun.

But 25 pence a mile is just a shade hot.

I suppose could anchor the bike to one of the towing eyes on the car - provided I remembered to uncouple it for use.

One thing that might reduce the price is dropping down the capacity league table, but i don't think tourers go below 600cc nowadays.

Money saving expert suggests insuring for the summer only - but then if theft is one of the biggest components of motor cycle insurance claim pay outs . . . .

The other alternative they suggest is a "Six wheel " policy - apparently only Carole Nash did this at the time of their report.

If this goes firm, 'll have a look there.

Nick

Edited 24 August, 201213 yr by Clunkclick

Stick above 600cc, if you are below this then when you move up to a bigger bike they will sting you again as being a risk (not used to the power I suppose).

Danger with a 6 wheel policy is that if you end up claiming on the bike policy it will reduce the car ncb as well.

Best thing to do is to shop around at the time.

Born again riders have caused a lot of problems. I've been riding constantly for the last 15years, on quick bikes, no claims in that period and I'm still paying stupid amounts. Bikes always garaged and alarmed, it's just a high risk potential for the insurance companies.

Shopping around always pays off, you can play on company of another to get a cheaper quote.

I suppose I ciould just restrict my motorcycling to the annual holiday only. But daiily hire for holiday only use is even worse ! A Heathrow based dealership wants £80 a day, incusive of comprehenskve insurance, plus £500 deposit for a Deauville. That's very pricey, I'd say profiteering, compared with car hire.

You've got to be seriously rich to do motorcycling nowadays.

The only other alternative is to abandon the idea of touring and just get a low cc bike for local use which can then be put on a towable trialer for trips abroad.

Nick

Ive never paid big money for bikes. Been riding for 25 years but had a few years off around 6 years ago so lost my NCD.

Try E Bike insurance I found them very good.

Havnt had a bike for 18 months now but my last policy was for a Kawasaki ZRX1100 and a Honda Monkey bike and it was less than £180 for both fully comp.

I had 2 years NCD at the time but they were also garaged.

So the big thing will be London and no garage.

I have just bought a Kawasaki er6f first bike in 8 years and paid £280 full comp which I thought wasn't too bad, bloke at work been riding for 20 years pays £86 for a vfr800