I can't get insurance even with 2 Years NCB
 

Hello,

I'm 18 years old, been riding since my 16th birthday continuously, on a 50cc, 125cc then a SV650S K3 since september. In total i've been riding for nearly 2 years and a half years. Insurance for me was £503 on the SV TPFT. I'm looking to upgrade (or downgrade depending on how you look at it) to a '09 ZX6R. I've got a very reasonable finance deal waiting for me so I went and got quotes....

.....Cutting it short, I edited a previous quote just changing the bike and adding security items. No quotes from GoCompare, MCN, Carol Nash and my current insurer eBike. :pale:

I then changed from Student to Technical Engineer in Medical Research (what i will be doing in the next month or so) and still nothing. Changed mileage, policy cover, and just about everything else... Am I doing something wrong or can I just simply not get insurance for that bike at my age? :confused:

Thank you if you can help, I really want this bike !!

Re: I can't get insurance even with 2 Years NCB
 

I would Google for "specialist motorbike insurance broker" or similar, and see what you come up with. There will be a specialist policy for you. Make sure you post up the premium you're quoted though for entertainment value!!! ;)

A-Plan may be a good shout btw. They do lots of specialist insurance policies. I used them for an important car once and were very cheap. They may also do bike related stuff.

Re: I can't get insurance even with 2 Years NCB
 

Nah no chance mate at 18, even with no claims. I think I had a look for when I'd be 19/20 and then I can start getting quotes, but still over the £600 mark

Re: I can't get insurance even with 2 Years NCB
 

Sv650s group 10
zxr600 group 16?...

mehhh:pale:

Re: I can't get insurance even with 2 Years NCB
 

I wouldn't mind £800 to be honest with you guys, I've outgrown the SV and this ZX6 seems like a good deal.

@'Fallout'... I tried what you said, Bikesure won't insure me even on a specialist and A-Plan will be calling me probably monday to discuss the finer details. Will keep you posted on the comedy price they issue me with !!

The only other thing is, if I take out a new policy I've effectively lost the £500 I paid upfront for my SV's insurance with only 6 months use from it. The bigger frustration for me is that I've ridden for 2 and a half years without a claim, riding all year round in sun, snow and ice covering over 30,000 miles in that time.

Re: I can't get insurance even with 2 Years NCB
 

if you paid upfront then they have to give refund. its only when you pay by DD they can refuse.

don't know if kawasaki do insurance but if they do you could try them.

i don't understand what you mean by 'outgrown' the SV.

Re: I can't get insurance even with 2 Years NCB
 

+1 on what Bibio says.

You are 18?

You list your SV as being restricted, why not get it unrestricted? It will be cheaper and will probably show you are nit as outgrown of the SV as you think you are.

Why do you need/want the Ninja so much, what will it add to your life?

I don't know you, so have to generalise, like the insurance companies, but generally, teenagers on 100bhp+ motorbikes are not thinking with their brains, but with other bodyparts.

Ride your SV, get an assessment dine of your riding, there's plenty of time to get on big powerful bikes when they are affordable, you have years of riding ahead of you.

Re: I can't get insurance even with 2 Years NCB
 

Although I agree with every word of the above, I have to say that when I was 18 I was in a hurry and wanted everything NOW.

Re: I can't get insurance even with 2 Years NCB
 

I think that we all did, its just that when you have had the same time again to think it over, what your Dad said at the time starts to sound sensible :p

Re: I can't get insurance even with 2 Years NCB
 

It really should be the other way around. Now we're getting old and mere inches away from falling into a nicely dug hole in the ground, we should be desperate to get everything NOW! 18 year olds don't need to be in a rush, the youthful stewards! :)

@BlackFlag94 - I really liked dealing with A-Plan. All the brokers come across as young gents and you can have a bit of banter with them normally. They have loads of specialist policies so may be able to help you. If you try and get bog standard insurance with them, they're way more expensive (twice as much normally), but specialist circumstances, they are the best. I had a Japanese import Skyline which was quoted as £1000-£2000 everywhere, but A-Plan did it for £500 in the end.

Re: I can't get insurance even with 2 Years NCB
 

Are you not restricted to 33bhp for two years after your test pass (September 2011 when you got the SV)?

Your 18, couldn't ride a 125 and do a test until at least your 17th birthday, so you're restricted until some point after your 19th birthday (September 2013)?

You do realise that a restricted ZX6R will be probably be slower than a restricted SV right?

SV650S 47.2 lbf·ft (64.0 N·m) @ 7000 rpm
ZX6R 42.9 lb·ft (58.2 N·m) @ 12,000 rpm

Re: I can't get insurance even with 2 Years NCB
 

More sex with 18 yr old girls? Come on SK, that is worth it :p

Re: I can't get insurance even with 2 Years NCB
 

Just wait a bit longer.
The kwacker will still be there next year .
It will likely have been improved in speck.

Re: I can't get insurance even with 2 Years NCB
 

Why does he need a reason to buy a sports 600? At 18 years old the only reason he needs is "because I want to". Hardly any of the people I know can ride an SV650 to its fullest extent, but that didn't stop them upgrading to GSXRs and 675 Daytonas - the lad's age doesn't matter, he can afford it and he wants it, that's all the excuse he needs.

Try MCE, they will insure younger people on 600s in my experience, H+R will also.

Re: I can't get insurance even with 2 Years NCB
 

I have an 18 years old friend that has a GSXR600 and he pays almost 2grand for TPO.

Re: I can't get insurance even with 2 Years NCB
 

[QUOTE=Lozzo;2736742]Why does he need a reason to buy a sports 600? At 18 years old the only reason he needs is "because I want to". - the lad's age doesn't matter, he can afford it and he wants it, that's all the excuse he needs

He might want to.
The (insurance ) Computer says No.

Most problems can be fixed by chucking large sums of money at them.
If he can afford it then its up to him ultimately.

Re: I can't get insurance even with 2 Years NCB
 

You ever thought of selling motorbikes, oh wait...

As you say, his want, his money, I was only expressing that there are things that I wished that I had waited on rather than rush into as a brash youth :)

There are also things that I wish I had done that I didnt - like get my bike license.

Re: I can't get insurance even with 2 Years NCB
 

Regarding the insurance, it is very hard to get any money back if you have less than 6 months left to run because they make up all sorts of charges on it basically to make you give up trying.

Re: I can't get insurance even with 2 Years NCB
 

I've had my bike 2 years now, (2001 SV650S) I am insured with Express Insurance (or something of a similar name) I only pay £400 Fully comp, due for renewal this month sometime. Compared is via whichever site, and this time it'll only cost me £320.

I'm 22 by the way.

Could be to do with the area you live, and a multitude of factors.

Re: I can't get insurance even with 2 Years NCB
 

Thanks to all the replies, I've been busy and unable to reply sooner...

Basically, the restrictors may have been off the bike for some time and I have gotten to nearly the full extent of the bikes capabilities. I trail brake deep into corners I know well and understand what the limitations are of the bike. It's a sweet handling machine but needs improving. I know that there are many things i could do to it to make it handle better than the ninja but why go through the hassle and expense when the bike will still be worth about the same at the end?

Reasons for changing:
- As I said above I feel I'm being held back by the capabilities of my SV
- I want a smoother engine (I4) because I do a fair few motorway miles and get off my bike with white finger
- I need better MPG as I use the bike every day of every week
- I need the bike to be reliable in the rain
- As with all young people i get bored fairly quickly and just fancy a change...

Of all the places I have tried (all comparison sites, carol nash, A-Plan, MCE, Bennetts etc) only 3 people would insure me and the quote were over £9000.

I have since decided to become wise and invest £200 a month into a Cash ISA and save up the cash in time for when I am old enough to get insurance for the 600. Until then I will continue to put the miles on my SV. 12,000 since september =)

Re: I can't get insurance even with 2 Years NCB
 

I do understand that the bike would be slower restricted... but what if it wasn't?! ;) Hahahaa... and as for your other comment. Yes I would be getting more 18 year old ladies, however, my girlfriend might not like that !!! :mrgreen:

Re: I can't get insurance even with 2 Years NCB
 

have you tried quoting it for fully comp?

in my experience some companies wont insure new'ish bikes on TPFT policies because of my age. Also I'm not 100% but i think if the bike is on finance you have to have fully comp encase of a total loss accident.

Re: I can't get insurance even with 2 Years NCB
 

I tried with the companies that gave me quotes and they wouldn't insure me Fully Comprehensive... Ahh well ahah... At least i'll be able to pay cash for the bike when it comes to it :)

Re: I can't get insurance even with 2 Years NCB
 

simple dont by a ss600 or 1000, they cost me at 20 a fortune to insure so i went for a big capacity naked if you want power at decent costs its the only option in my opinion

Re: I can't get insurance even with 2 Years NCB
 

Ninga better mpg er no.
Braking in corners.
Not a good idea.
Put some of the cash into a bit more training anda track bike.and track tuition .

Re: I can't get insurance even with 2 Years NCB
 

Braking into a corner is no biggy, just don't try and be a motogp racer the first time you try it and I never do it in the wet. I am going to be doing a silverstone ron haslam course hopefully this year and next year probably do a RoSPA course.

I'm not saying i'm a top notch racer or anything like that because I'm deffinately not.. those guys brake so late and so hard but I don't hang around and can keep up with most riders until the straights.

I'm only getting 43mpg out of my SV (14.5L gets me about 130-140miles) To be fair to the SV when I rode the 100mile trip to dorset a few weeks back I got 55mpg on A roads... Ninja 600's get 50 easy so I've been told.

Re: I can't get insurance even with 2 Years NCB
 

It's a good idea and I understand that but a naked just isn't what I want. I had a supermoto before which although small capacity would do motorway speeds and at those speeds I found that i'd get very tired very quickly.

Thankyou for your input though =) Much appreciated

Re: I can't get insurance even with 2 Years NCB
 

Sounds like we need you to show us how it's done BlackFlag

Re: I can't get insurance even with 2 Years NCB
 

Your better of just doing track days if you want to race with your mates.
Less likely to get a ticket.
In a group of bikes on the road your get big fat fine if your caught together.
An sv ridden properly can stick with big bikes .
You need to ride behind Emma.(Bath Wiggle )
Never left behind on the twisting
On track No idiots pulling out on you.nice big run offs .
And go as fast as you can no points on your licence.

Re: I can't get insurance even with 2 Years NCB
 

Do you not trail brake on a progressive ride?

I'm always trying to better my riding ability and I will spend literally hours watching all sorts of videos and reading all kinds of tutorials before I set out to try it and even then it can take months

Re: I can't get insurance even with 2 Years NCB
 

None of my mates have big bikes, they all have 125s. I will often ride out to places and end up meeting other people their who offer me a ride with their group. I don't race, just ride at around 80% of my limit and never over 90%. On roads that I don't know I never push hard.

I know an SV can stick with the big bikes, but not when you get to the straights. Is this emma fast? I don't really get what you're saying sorry.

I would love to ride a track but am worried about binning it and not having a bike to ride to work and stuff. There was a video I saw on youtube where they show you the dangers in real life compared to on a track that's worth watching.. Just found it... 30 seconds and it makes you think..... http://www.youtube.com/watch?v=VruWHHEnZGw

Re: I can't get insurance even with 2 Years NCB
 

Only if I'm being lazy and not really concentrating or reading the road properly. I prefer to get the braking done beforehand, and get back on the throttle as soon as I'm tipped in. Slow in - fast out.

Re: I can't get insurance even with 2 Years NCB
 

Emma is progressive and so she is"Brisk".
Has a standard SV curvey. Rides with GSXR 1000 and ZX10's etc.
Find your self a track bike.keep the SV for work and next year your be passing Gixers on corners .No trailing of brakes but powering through corners and have no chicken strips.

Re: I can't get insurance even with 2 Years NCB
 

Oh fair play, I need to find a group to ride with to be honest... chicken strips aren't everything, you can go round corners faster with less lean. I'm still trying to drag knee. I've been told that i'm about an inch off. Only thing stopping me is that unnatural feeling of entry speed (i recently changed from sport touring to hypersport tyres and the apex speed is massively difference. No point trying to push any harder than I feel comfortable

Fair enough, I don't do it a lot of the time, only when I really want to get going.



Carole Nash rang back. They quoted £1600 TPO. Think i'll pass thanks haha