33bhp Restriction

[timwilky]

Originally Posted by SPeeeeDY

I am getting ripped big style:

SV650s
2001
4000miles per year
2 years no claims
bike value £2900


tpo £665
tpf&f £1305
comp £2407

thats with clickquote.co.uk the cheapest i can get. And thats not telling them about my little (was a write off) car accident in august 2004

Now thats what I call a real waste of money. Fine pay your £665 for a worthless piece of paper. You buy 3rd party insurance to pay your damages if your are unfortunate enough to be involved in an accident where a 3rd party suffers loss or injury as a result of your negligence. If you have made a dishonest policy application (By not declaring history etc.) your policy is void.

Therefore the poor sod has to try to recover their loss though the uninsured driver provisions of the MIB. In other words I and every other honest policy owner pay your dues. The poor sod you injure get the minimums. All because YOU want to save money

Being dishonest with your insurance is not worth it. If I had my way every uninsured rider/driver (and YOU are by having a void policy) should be jailed. Are you going to personally recompense my family for thier financial loss should you kill or prevent me from earning my living as a result of your negligence. If you can't afford insurance you can't afford the bike

av u tried cia? very good 4 me any way,
i live in a sleepy town, however i di have a bike stolen recoverd 3 yr ago, but never made a claim,
Might be down to where u live!
Im likley to be moving to leed this late summer, might mean the sv has tog go as i am unlikly to be able to afford the sv and car insurance!
dissapointing!

Alex

what was that rant all about timwilky, i never said i was not going to tell the insurance company about my car crash...i was just pointing out that £665 was how much it would cost if i hadnt had a crash. i will need to add a few hundred pounds wen i get my REAL quote. its just that clickquote does not give a choice to say if you have had an accident or not.

sorry if i left my last post missleading. but would i realy go through all of this trouble in restricting the bike just to void my insurance anyway?!?!

I got my insurance from biketeam , it's just short of 700 tpft, with a 500 excess, on a k4 with 1000 miles, costing 3300. I am 20 with 1 years NCB, but only had a full license for about 3 weeks when i got the insurance. And they gove no discount for being restricted.

Anyone know anyone who does give a discount for restriction?

Also, don't use the web tog et your insurance, as the quotes online always seem distorted and totally out. You'll have to phone about 15-20 insurers to get a good impression of what you should be paying. It's a hassle, but you can save hundreds for spending a couple of hours on teh phone.

[TSM]

www.insurance2000.co.uk

Though i dont have my bike yet i have been quoted.

22 yo
London,Peckham SE15 (Bad area)
SV650S 2002 £3000
1 car crash (£800 fix value), even if i added another one would not make diffrence.
Just passed licence (when i get it)

£800 TPFT, 250excess, Business class 1, 5000 miles pa

Any mods that are road legal and no security needed for the bike.

I cannot ride other bikes though, it comes with legal insurance and loss of licence cover

Now i call that cheep for my circumstances.

[timwilky]

Originally Posted by SPeeeeDY

what was that rant all about timwilky, i never said i was not going to tell the insurance company about my car crash...i was just pointing out that £665 was how much it would cost if i hadnt had a crash. i will need to add a few hundred pounds wen i get my REAL quote. its just that clickquote does not give a choice to say if you have had an accident or not.

sorry if i left my last post missleading. but would i realy go through all of this trouble in restricting the bike just to void my insurance anyway?!?!

Ok, sorry about my rant. I was under the impression from your post that you were actually going to consider taking out a policy without full disclosure. I am well aware as a parent of teenagers just how ridiculously expensive insurance is.
I am also unfortunately aware that as a result of this expense, that there are individuals prepared to risk not holding 3rd party insurance. I am glad that you are not considering joining this group.
I was disgusted by a group of my sons friends, who were on the next table in the pub last week, discussing the R1/ R6 and blades they were planning to get this year. When not a single one of them was old enough to be in the pub in the first place.
It is reassuring to know there are people out there who are prepared to work within the rules (however stupid) to get themselves on the road legally.
Your years on restrictions will no doubt fly by. Use the time wisely to become a proficient rider and spread the word amongst your peers that it is much more fun when the only thing you need to worry about is a plod with a radar gun.

And don't get tpo, get tpft, as you think you'll never need it, but i got my scooter stolen and trashed last year. And if it happened to you you'd be heart broken

TPFT £593 £250 exc
Male, 18 yrs
2 yrs NCB
IAM Licence

H&R Insurance

As you will be losing top end power you won't notice the only problem with the naked bike, hanging on to the bugger at speeds over 85mph. They are much easier to steer control etc. in fact the Ideal town hooligan bike. The faired though will let you get to higher speeds with the improved aero dynamics for the same amount of engine power. Still it will come down to personal preference I want all of the advantages of the S model but could not get past the looks of the naked model. It 5 and a half years old I want a new one but the new 1000 naked model looks bloody awful I been trying to get used to it since it came out but can't. If the restrictor kit gets you a new ECU and piece of paper for your £120 on a K3, K4 bike. The same £120 gets you 2 washers & a bit of paper for the X, Y, K1, K2 bike

what a darn good idea this 33bhp limit is.
down here the only restriction placed on a learner rider is that the bike must not be bigger than 250cc -so 15 year olds are able to buy crotch rocket RGV250's or even the quick 250 4 strokes and can hot em up as mych as they like.
Some of these weapons are capable of 200km/h (aprox 125mph)
so they get their basic handling test (15minute poodle around a carpark)
and answer a few questions and theyre on the road legaly