insurance

Sorry if this gets posted every week, but i couldn't find anything that helped.

I'm looking to buy a zx6r if i can afford the insurance. I'm 18 no no claims, havn't owned a bike before, just been recommended to this place with some pretty cheap 2007 0 mile models, would like to get one just because I love the looks. Now, the best quote i've got is ?1900 TPFT. The SV i was looking at I can get insured for ?650. Now, not looking for that cheap on the zx6r because I know it just won't happen, but any ideas on saving money? Maybe dry weather only policys etc?

Thanks for any advice,
Dave

If you look at the facts:

Age
Experience
Bike Model
Bike Age/Value
Highly Nickable

Then i think paying loads is unavoidable. Try ringing around and getting reductions, but if i were a broker, i wouldn't insure you for that bike.

The only way to seriously reduce the cost will be to make it TPO(third party only). That means they only have to worry about you damaging something/someone else as opposed to it getting nicked.

A garage mght help a bit, but probably not massively. The same can be said for security eg alarm, but again thats more initial outlay.

I've never ridden a restricted ninja, but by all accounts IL4 don't take to restriction as well as a SV would.

I'm 19 and passed my test in september, I pay ?550 tpft on h and r insurance, they're very good, I got my massive excess insured for like, ?40. Well worth it, if you ask me. That zx-6 won't take to restriction very well at all, especially the newer models- and if you're going to not bother restricting, then you're much likely to get pulled on a ninja than on an sv, I should think. If I were to have bought an IL4 bike, I'd have probably got a CBR600F3 or something like a zz-r600. The SV pulls very well, all things considered, on 33bhp.

Also, I wouldn't recommend only riding in dry weather, I've learned most of my bike control riding in storms and the wet. Also, I don't believe you can get dry weather only policies.

Unless you're completely loaded, do yourself a favour and get something else. Get a naked bike - feels like you're going much faster, and get some miles under your belt. Then after a year of no claims get the Ninja.

But if you are loaded, go for it!