1st bike 1st insurance

[cirian75]

Spotted a Tuono 125 I like.

Plan was CBT, get 6 months experience, and then big bike test.

But then I could not get a quote below £1800

I'm 47, male, clean car licence, low crime area of South Manchester (Chorlton), bike in brick walled rear garden behind 2 heavy duty steel gates.

Madness!

advice please.

[lukeyman]

Direct Access and Tuono 660.

[trickywoo]

cirian75 said:

, bike in brick walled rear garden behind 2 heavy duty steel gates.

If you say its garaged does it come down to a sensible amount?

[cirian75]

trickywoo said:

cirian75 said:

, bike in brick walled rear garden behind 2 heavy duty steel gates.

If you say its garaged does it come down to a sensible amount?

Not tried that was would be lying.

[trickywoo]

cirian75 said:

Not tried that was would be lying.

Don't know why you have to go full cynical.

My point is that if it comes down to say £400 it would pay for itself to have a garage.

Insurance can be funny about sheds but its not that hard to get an enclosure they are happy with.

[Sycamore]

My insurance at age 28 on an ER6-F is <£300.
My bike is kept in one of these:
https://www.armadilloboxes.com/

Have you tried a pretend quote as though you have your licence on a big boy Tuono?
125's seem to get stolen within 5 minutes, so maybe that's why?

Regardless, I'd not bother with a 125. Just go for your direct access

[Motorsport3]

cirian75 said:

Spotted a Tuono 125 I like.

Plan was CBT, get 6 months experience, and then big bike test.

But then I could not get a quote below £1800

I'm 47, male, clean car licence, low crime area of South Manchester (Chorlton), bike in brick walled rear garden behind 2 heavy duty steel gates.

Madness!

advice please.

Would going down the 3rd party only policy reduce it materially?

Would putting a sizeable voluntary excess help?

[airsafari87]

That is expensive, I wouldn’t even expect you to be paying that kind of amount for a Tuono 660 as a new rider with no experience.

Just to rule out the Tuono 125 as being the cause of the big premium it might be worth running the exact same quote on something like a Yamaha MT125 for a comparison.

Then maybe re run the quotes for a Tuono 660 and a Yamaha MT07 as a brand new rider and see what those costs look like.

[Tonberry]

125 / CBT insurance is never cheap.

DAS and straight to a bigger bike. Should be able to insure something middleweight for around a grand.

[benjipeg]

passed my DAS 18months ago 43 street triple 440 dropped to 220 2nd year

[Bobupndown]

Sycamore said:

My insurance at age 28 on an ER6-F is <£300.
My bike is kept in one of these:
https://www.armadilloboxes.com/

Have you tried a pretend quote as though you have your licence on a big boy Tuono?
125's seem to get stolen within 5 minutes, so maybe that's why?

Regardless, I'd not bother with a 125. Just go for your direct access

How do you manage to get the bike in. and yourself out? Chiropractor must be loving it!

[Richard-D]

Must be the location. My first bike (about six years ago) was a 600 hornet and cost about £250. My 2nd was a 2008 fireblade and cost about £150. I think the fireblade was £120 the next year.

[babelfish]

cirian75 said:

Not tried that was would be lying.

That would be using comparison sites for....... ummmm...... comparisons....

If you took a policy out with incorrect info that would be different.

[Dog Star]

Chorlton low crime?!! Compared to where? I think that’s where your premium is coming from.

(No offence - we’ve got a flat there)

[trickywoo]

Richard-D said:

Must be the location. My first bike (about six years ago) was a 600 hornet and cost about £250. My 2nd was a 2008 fireblade and cost about £150. I think the fireblade was £120 the next year.

Yeah op’s problem is the area for theft risk. He might want to rethink not just garaging but the whole thing as it won’t be safe leaving a bike on the street locally.

[cirian75]

A garage dropped the insurance by £800

Dang.

[Tony_T]

That still seems mega pricey though. I've just passed CBT (37, clean car licence etc) and for a 125 scooter parked on the driveway with a simple lock it's £300 which i thought was expensive!

[cirian75]

Requoting OG quote for a CB125R

£717.58

That can't be right!

Double checks

Ah, had 1 years NCB in there for a CB500x quote with one years ex and NC

£867.06

Its that bloody Aprilia Tuono!

[Birky_41]

I'm early 40s, Essex & insure an Aprilia Tuono 1100, Suzuki GSXR1000, Aprilia RS250 & array of MX bikes

Typically each road bike is about £200-250 (the RS250 is £1 add on to the Tuono)

BeMoto are who I use and have done for several years. I used the Baron Von Grumble years back excess cover which I think 44T now do (mention and it saves a bit)

Worth giving them a call...

[LFB531]

You might be right about the Aprilia. I'm nearly 60 and swapped to a Caponord 1200 from a Triumph Explorer 1200, the premium took quite a hike.