Stupid insurance quotes

To quote a chap I was talking to in the pub who has had both, "The factory is like a completely different bike, the suspension in particular is just so much better. The Aprillia factory bikes are, apart from the Ducati R variants, the most sorted "standard" bikes you can get in terms of included aftermarket tuning parts. I'd never buy a standard and put extra stuff on it again. You end up not having even half the stuff off the factory, despite spending more money on it and it'll be pricier to insure."

The chap concerned's only tweaks on his factory were number plate hanger, IIRC.

As to why it's more expensive to insure. Presumably the cost is driven up by it being more expensive to replace, more trick (and hence nickable) and perhaps the better suspension doesn't decrease accidents, as it bestows more confidence in the bike so people push their luck more and perhaps have more accidents than the stock bike? I know when riding a bike with a knackered shock I certainly ride more conservatively, probably moreso than the actual increased risk requires.

Originally Posted by -Ralph-

Well thats damn good. I'm in a wee village in Scotland, garaged, 31 y/o and the quote was £822 as you can see above. What are you paying for the SV (assuming thats what you've got)?

tbh my bike insurance is quite cheap i have 4 years no claims, the sv in the IP post code was about £220 tpft age 19 or 20,
but the xjr 1300 in my LS12 postcode was £350 tpft, i currently cannot insure the new factory in my ls postcode even if i caould afford one!

[northwind]

You can do a thousand pound's worth of damage to a Factory by riding too fast up a kerb, like you say a lot of the pricey parts are very vulnerable...

If you want to talk stupid insurance quotes, I got quoted £6900 with a £500 excess, TPF&T, for the SV this year

Originally Posted by northwind

You can do a thousand pound's worth of damage to a Factory by riding too fast up a kerb, like you say a lot of the pricey parts are very vulnerable...

If you want to talk stupid insurance quotes, I got quoted £6900 with a £500 excess, TPF&T, for the SV this year

What! By whom? You didn't tell them how many times you've fallen off did you?

Originally Posted by 454697819

you call them silly, thier barrgains!!but i am 22. although infairness i did get a quote for a brand new factory at my old ip postcode and a garage for £650!! almost woth the extra £20k to moveback there...!

I'm starting to realise that as this thread goes on. All those quotes are comprehensive not TPFT and so is the insurance on my SV at £290 (equity red star). My excess on the SV is £300 (200 plus 100 voluntary).

I've stopped looking at the Factory because I couldn't get a £500+ a year increase past my wife.

Originally Posted by -Ralph-

Well thats damn good. I'm in a wee village in Scotland, garaged, 31 y/o and the quote was £822 as you can see above. What are you paying for the SV (assuming thats what you've got)?

thats a hell of a lot mate im 34 and my sv costs me £130 thats with insure your bike .com and thats fully comp i have got 14 years no claims though

[Viney]

The bits bolted onto the factory will cost the best part of 6K over a standard bike, hence the increase.

Originally Posted by SmudgeK3

thats a hell of a lot mate im 34 and my sv costs me £130 thats with insure your bike .com and thats fully comp i have got 14 years no claims though

That was the Factory, SV costs 290, only got I years no claims. I'm a born again biker with a 12 year gap, so my no claims expired and I had to start again last year.

some companies quote stupid prices, i was quoted £395 from the AA

i used confused for car insurance and they were really good,
i put the bike details in , out of interest and the cheapest that came back for me was £822, now at the moment im paying £236 through CIA for a kwak ZRX1200..........they were quite away out, one of the companies at almost £1k had the balls to ring me and offer to be theyre previous quote by £50 if i bought it the same day.
i politely declined.