Insurance & The EU

Hi, didnt know about this group someone just suggested I should try it.

Anyway I just wondered if anyone can tell me how much they are paying for
motorbike insurance, I just want to compare prices. I recently got my quote
here in Ireland for a CBR
600FS and it was EUR 1227.00, this is with 40% off for a 4 years No claim
Bonus.

I've never claimed or had an accident from the 1st year until last year it
went up EUR 21.00 and now this year it's up Eur 164.00.

There is only 2 Motorbike companies here in Ireland and the other is quoting
me EUR 1300.00

Can anyone tell me if this is high compared with the UK.

My brother who drives a Kawasaki ZR 750, got insurance for about EUR
450.00, I dont think I should be paying such a high amount just because I
drive a sports bike.

Someone also recommended that I try other companies in other countries, as
were part of the EU and it's allowed. Can anyone confirm this, and if it's
correst can anyone recommed a company giving a decent quote for sports
bikes.

Thanks,




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Ireland has massively high rates for insurance compared to here.

You don't, eh?
Don't be feckin daft, man.
Go away and consider your reasons for that thought for a couple of days,
before you respond....

 

The prices are excessive here I know, so I just wanted to compare, a price
would be nice to see exactly by how much I am paying over the odds.

Days, I'll think for a couple of minutes on that. Basically I'm 27 and
still thrown into that "PIGEONHOLE", where I'm considered an UNSAFE rider.
Father your may be surprised but I DO NOT speed, I really like the style of
my bike and it was that reason I bought it, I've driven my brothers bike and
just dont like the style or the position.
I've had an NSR 125 before and had a few hairy moments on that, but
thankfully no accidents.

These few incidents did put into perspective my own mortality, and it was
after that I got BIKESENSE as it was, and I can safely say that I am NOT the
best rider out on the road, nor do I proclaim to be, but by practising and
being that little bit more aware, I feel safe, safe within my own driving,
and my duty to other drivers and pedestrians, to act in a safe and
responsible manner.

I do also drive a car so what I learn from the bike I take into the car when
I drive and Vice-Versa.

My point is that because I choose a sports bike, I am getting punished by
insurance companies, but if I choose a bike that I dont like, but is more
acceptable to them, then I can have cheaper insurance. I dont think it's
really fair.

Just incase those memorable lines come to anyone..... I do know life is not
fair. But instead of pigeonholing everybody under age & gender. I think we
need a more suited or tailored insurance for people who havent claimed or
actually had an accident.

Give safe drivers a chance, dont let us pay for the rest that dont give a
damn.

 

It was somewhere around Barstow, on the edge of the desert, when the

It's allowed all right, but you'd have difficulty finding an insurance
company who would want to expose themselves in one of the highest claim
areas in Europe.

--

Dave

GS 850 x2 / SE 6a
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FUB KotL OSOS#12? UKRMMA#19 COSOC#10
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To many factors in UK insurance to give a figure . it depends on Age,
years of full license, post code, no claims bonus, other bikes/cars
available to drive etc
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There's your problem. Doing a rough calculation, you're paying somewhere
around the £700-£800 mark for insurance, which isn't far off what you'd
pay over in the UK at your age.

As a comparison - I pay £400 comprehensive on a VFR800 at 30 years old,
having held a full license for 9 years with 3 years no claims bonus.

 

At 27 you can insure a GSXR1000 with 3 yrs NCB for 800 quid. A fully
comp CBR600 should be around the 500 mark I reckon.

 

At 23 you can insure a 955i FC for 850ish, with 4 years NCB[1].
However, they do seem to be quite nice on insurance. I don't think I'd
get an R1/blade/gsxr/zx for much less than double that if at all.

[1] seals fate.

 

Tosh. Now my generalisation is done, lets move on :

He mentions a CBR600FS - not the RR - but doesn't unfortunately mention it's
age.
I'm insuring FC a GSX-R600, at 25, with 1 yrs NCD, living in 'the country'
for < £800.

As Ben says, I would hope, current circumstances taken into account, that if
I get to 27
and wish to insure a litre bike, that the price would be something similar.

When I was considering a VFR, I did insurance quotes for it and was
surprised to find that insuring a VFR costs
MORE then insuring a sports bike of similar insurance group/price.

A GSX-R750K4 will cost me less to insure then a VFR V-Tec.

Still a silly number, but less.

 

WOuld you accept having to pay extra to have a man come round to
individually assess your driving and circumstances?
Think of the overheads!

Generalisations mean cheap insurance for some people, not for others - I'm
25 and would consider myself 'sensible' but
I also accept that this view is not shared by insurance companies. I group
this in a similar way to credit scoring, where it appears
you are sensible if you have 10 kids, have never changed jobs and lived in
the same area for all your life - generalisations, but that's the way it is.

Here in the UK you can make an effort to partially offset this, for instance
advanced rider training, however IMO it's just
"one of those things" that you have to accept if you want to ride a
motorcycle.

Ireland dunno about.

 

That's a bit bizarre, does the VFR cost more?

BTW when you say "will" is that a hypothetical "would" or an actual
"will". We might have a bit of a windfall this year and I have to admit
I'm sorely tempted. The only things stopping me are, the amount of cash
I've put into the current bike and my inherent dislike of buying brand
new vehicles. Still maybe by September there will be some 2nd hand ones
around.

 

VFR is about £8000 list price.
GSX-R750 is about £7500 list price.

Heh - it was a slip - I wish I could get a 750 but I really don't have the
funds at the moment to afford the bike, let alone the insurance.

I'm waiting for 2004 R1's to become available second hand.... >

 

Don't buy an ex-dem R1 from Yorkshire, OK?

 

lol

 

But but but wouldn't it have been used "properly"??

Anyway, at the moment a zimmerframe seems more my style.

 

Depends on your point of view.

I feel your pain. This damp cold spell is playing hell with my back
and various joints too, if that's any comfort. Keep taking the
tablets and keep warm, innit. Milky cocoa?

 

In uk.rec.motorcycles, Christofire said:

At 34 you can insure a 14 year old fatblade for £453 TPFT with 2 years
NCB and a recent ban. I shudder to think what anything more than modern
would cost.

 

Well previously I let the chiro "bend me into shape" but I was getting
increasinly annoyed with the shorterning time frames between visits
and his complete disinterest in helping me fix the problem, rather then the
symptoms.

So, I went to the GP , got some drugs and a referral to a "postural
physiotherapist" who has basically been reteaching me how to do things.
Still doesn't explain why me (etc etc) but at least I've got exercises to
get it all moving again and some (very useful) advice on the correct way to
stand up, sit down etc which make quite a difference.

Still annoying though.

 

I've been to several, over severalteen years. They have varied in
their interest, but all agreed that it is not possible to solve the
problem without resorting to drastic surgery - although recent
advances in the arena of the scalpel have been interesting and I may
allow them to have a go at reinflating the flat discs one day.

I've become disillusioned with the whole process; it's fair enough
when I crawl in doubled over and they send me out walking near enough
upright an hour later, following many loud cracks, loud grunts and the
odd scream - but the lightness of wallet has always been disturbing,
as has their eagerness to hook me in for a series of treatments,
followed by the depressing recurrence within a few months of the end
of the treatment.

Drugs are good. I try not to take too many, but ibuprofen in the
morning and again in the evening helps stave it off. Pain management,
I suppose - as long as I can prevent the big muscles either side of my
spine going into spasm I can get on with it.

I'm a self-taught postural expert insofar as it applies to my
particular affliction, at least. I cheat like ****, all the time -
bend over with a steadying hand gripping my thigh, sliding downwards -
shifting weight when standing as I can't do uprightness for more than
10 minutes at a time - lifting with legs and never ever twisting, that
sort of thing.

If you listen carefully to what your body is telling you, most of the
real nasties can be avoided. Sitting with a straight back is not
always the best thing, ime. Allowing a curve or even a twist can
relieve tightness very subtly and avoid much lying on the floor with
knees up and almost entirely get away from screaming in public ;-)

It is, even when not excruciatingly painful.

 

Whinging Courier says...

At 42 you can insure a Yamaha YZF1000R Thunderace for £121-80 TPF+T,
with 5 years NCD and 3 points for MS90 on your licence. Age has its
advantages