some help please

[ToySoldier]

ok im not to sure what to do lol back last july 2010 i tunred 16 and got 50cc geard bike and got insureance in august 1 month arfter my birthday. in feb this year i got all happy and bought a 125 a yamaha dt125 2002 bought it cheap on a cat c and fixed it up it all works now. Arfter waiting so meany months to ride it in july i turned 17 and got a 1 month insureance because without my 1 years ncb fpo on my dt would be 800ish and with 1 years its £550.

My plan was to ride the dt for a year and in this year pass my full test and throw away the L's if i had a full licence now my insureance on the 125 would be £530 a saveing of £20 for havein a full licence thats bull when to insure a bandit 400 (i need to fix for when i pass my test) its 650 thats 100 more for a 400 wtf. even a bandit 600 is only 740 are these prices to high for tpo only 150 more for a 400 what is going on.

Today i got insured on the dt125 for a year but arfter thinging about it it drinks to much petrol beign a 2 stroke screamer lol i seem to be filling up a tenner ever day the badnit being a 4t should be cheaper and id probly save the 150 on petrol and 2 stroke so i dont no what to do sell my dt125 use the money to fix the bandit or buy a cheap 400-600 and just swap my insureance over.

Does anyone no any big bike that are cheapish on insureance i got a quote for a honda nt400 or bros something along them lines and it was 540ish lol i have such a headake from thinking of what to do i dont only ride around town i ride sort of 60miles down to brigton and want to go on runs but cant because its a 125

sorry its basicaly un readabul but my speeling is bad and its 7am and iv not been to bed yet lol

 

[Friz]

Having quite a bit of trouble reading your post, mainly due to the lack of full stops, but I think I understand what you're getting at.

You're just trying to find a bike that's really cheap to insure?
I don't know exactly, but surely because your bike has already had some damage to it it would be more expensive on the insurance? You have to tell them if its been in an incident before I think.

With regards to a big bike with cheap insurance, not sure that's going to be possible. You need to be older and have more years no claims on smaller bikes first. It does come down you just have to be patient.

Of course your other option is just to pay the insurance and hope its drastically less next year, but whatever you do don't go out without insurance.

 

[ToySoldier]

hi sorry woken up abit and tryed to sort it out a bit.

im not trying to find something thats really cheap just cheaper to be fair surely 550 for a 125 is over the top for third part only when the 400 is only 100 more even with the 33bhp init it will have so much more power

 

[Chessecake94]

Kawasaki GPZ500 is only £300 for me tpft, for me.

 

[Daffee]

A yamaha yzf 125 would have cost allot more for me to insure than my current Fazer. Its weird how it all works, you just have to look around allot.

 

[Friz]

Does depend a lot on where you live.

That does sound like a lot for your bike.

On my ninja 250, at most on my first year the insurance was 400 quid. The second year of was about 200.
But insurance prices (like everything else) have shot up since then, so probably best not to take that as an example.

 

[Chessecake94]

I could have insured a cbr600 for £550, so where I live must be cheaper

 

[ToySoldier]

i got a quote for a gpz 500 and that was £552 so cheaper then my 125 atm lmao its not worth rideing my 125

 

[CurlyBlakey]

Insurance is very changeable, it depends on many factors including location, occupation, history and experience, capacity doesnt generally dictate insurance group, the decision is made by what type of bike, who rides them (more likely to crash or not) and whether they're difficult to steal, you'll struggle to find insurance at 17 below £500

 

[ToySoldier]

i just understand how a 125 can cost the same or just a few pennys less then a 400-600cc surely theres loads less risk rideing a 125 then rideing a 500

 

[CurlyBlakey]

i just understand how a 125 can cost the same or just a few pennys less then a 400-600cc surely theres loads less risk rideing a 125 then rideing a 500

As i said it depends on the bike's reputation, it would seem that a lot of people write off DT125's so the prices are higher, plus they are generally used by younger riders thus a higher overall price. It may seem that riding a 125 is less risky but in the eyes of the insurers it's more risky to them as the likelihood of paying out is higher,

Hope that helps

 

[AZZ3R]

From reading what I could before my brain went fuzzy, by the look of it your saying your insurance is £540 or whatever.

I'm guessing that's 3rd party? Because where I'm from yes insurance gets bumped up a little but, 3rd party for me with a years no claims is around the £500 - £600 mark.

Fully comp is £1k+ for a 650, now, for someone who has only been riding a year I suggest you get fully comp, in the real world your just begining, a first 'Propper' bike is a 400cc+. And with you being new to riding theres a higher chance of you crashing than say someone with 4 or 5 years of experaince.

Just to save yourself £500 is not worth the risk of what you will have to pay out if you do crash.

Don't go for the cheapist thing. 9/10 it's the wrong way to go about a option.

stick with a 125 for a year, yes it will seem your putting more fuel in, swap for another 125, 2T and 4T don't really have much todo with it, I ride my bike every single day of the week and about 10-15miles a day, I put £10 in and can last me at a push 3weeks. and that's with short motorway riding.

As Curly said, theres more factors than what you think. I always thought insuance groups think if the bike has fairings or not, because bikes without seem to be cheaper than ones with. all about different factors that come into play.

 

[Friz]

Insurance where I'm from is actually cheaper on Third party fire and theft than just Third party.

Area is a huge factor.

 

[Chessecake94]

I wouldn't get fully comp, £300 for tpft against 1k for fully comp not a hard decision since my bike was only a grand.

 

[ToySoldier]

From reading what I could before my brain went fuzzy, by the look of it your saying your insurance is £540 or whatever.

I'm guessing that's 3rd party? Because where I'm from yes insurance gets bumped up a little but, 3rd party for me with a years no claims is around the £500 - £600 mark.

Fully comp is £1k+ for a 650, now, for someone who has only been riding a year I suggest you get fully comp, in the real world your just begining, a first 'Propper' bike is a 400cc+. And with you being new to riding theres a higher chance of you crashing than say someone with 4 or 5 years of experaince.

Just to save yourself £500 is not worth the risk of what you will have to pay out if you do crash.

Don't go for the cheapist thing. 9/10 it's the wrong way to go about a option.

stick with a 125 for a year, yes it will seem your putting more fuel in, swap for another 125, 2T and 4T don't really have much todo with it, I ride my bike every single day of the week and about 10-15miles a day, I put £10 in and can last me at a push 3weeks. and that's with short motorway riding.

As Curly said, theres more factors than what you think. I always thought insuance groups think if the bike has fairings or not, because bikes without seem to be cheaper than ones with. all about different factors that come into play.

i bought the dt because i thought it would be cheap untill i can aford to insure a bigger bike im not saying im the best rider but i can ride a bike and i can ride a 400 riden the badnit 400 and riden my dads fazer 6 and there fine for me thats what i want just am so anoyed im paying insureance price for a biiger bike and rideing a 125.

i dont think full comp is worth it tbh im sure if i crash it wont be my fault and if it is there car will get fixed and ill fix my bike myself it will be cheaper doing it taht way anyway.

being 2t or 4t does effect the millege and im not just doing 10-15miles a day in the last month iv done over 900 miles on it and i no doing that amount of miles will use fule but dam i used £50 worth to ride to brigton and back from london thats about 150 miles all in and my mates 4t 125 used about £10 if that

 

[AZZ3R]

Let me break everything down.

i bought the dt because i thought it would be cheap untill i can aford to insure a bigger bike im not saying im the best rider but i can ride a bike and i can ride a 400 riden the badnit 400 and riden my dads fazer 6 and there fine for me thats what i want just am so anoyed im paying insureance price for a biiger bike and rideing a 125.

I can ride a R1100s, I've ridden it before, Doesn't mean I'm ready to go and jump on it and ride it for a everyday thing, and go riding at weekends.

i dont think full comp is worth it tbh im sure if i crash it wont be my fault and if it is there car will get fixed and ill fix my bike myself it will be cheaper doing it taht way anyway.

Sorry but that has to be the most dumbist thing I've heard, what if your brakes where to fail? what if the car infront slams on and you haven't given yourself enough time to react? you can't say that, you also can't say you'll get the car fixed because I'm pretty sure the driver wouldn't want a 17y/o asking to fix their car because it you don't want it to effect your no claims.
Third party only will cover you for any injury or even death caused to third parties. It will also cover your legal costs in the event but not any fines you may get.

being 2t or 4t does effect the millege and im not just doing 10-15miles a day in the last month iv done over 900 miles on it.

Add it up, I do over 700miles a month and more because of weekend riding so over 800 a month, and on a 2T I still get good fuel economy, and I do open it up becasue of motoway riding so it's not about the 2T or 4T, you have a small tank. your bike will only hold what 2gallons tops?

 

[AZZ3R]

I wouldn't get fully comp, £300 for tpft against 1k for fully comp not a hard decision since my bike was only a grand.

That is very true, I bought my bike for a grand and paid £570 for TP, and got everything else coved I.e lethers and eveything else. but my next bike however is going to cost around £3k -£4k so I think £1k insurance is nothing when I think of what could be a potential claim in the future.

 

[ToySoldier]

Let me break everything down.

i bought the dt because i thought it would be cheap untill i can aford to insure a bigger bike im not saying im the best rider but i can ride a bike and i can ride a 400 riden the badnit 400 and riden my dads fazer 6 and there fine for me thats what i want just am so anoyed im paying insureance price for a biiger bike and rideing a 125.

I can ride a R1100s, I've ridden it before, Doesn't mean I'm ready to go and jump on it and ride it for a everyday thing, and go riding at weekends.

i dont think full comp is worth it tbh im sure if i crash it wont be my fault and if it is there car will get fixed and ill fix my bike myself it will be cheaper doing it taht way anyway.

Sorry but that has to be the most dumbist thing I've heard, what if your brakes where to fail? what if the car infront slams on and you haven't given yourself enough time to react? you can't say that, you also can't say you'll get the car fixed because I'm pretty sure the driver wouldn't want a 17y/o asking to fix their car because it you don't want it to effect your no claims.
Third party only will cover you for any injury or even death caused to third parties. It will also cover your legal costs in the event but not any fines you may get.

being 2t or 4t does effect the millege and im not just doing 10-15miles a day in the last month iv done over 900 miles on it.

Add it up, I do over 700miles a month and more because of weekend riding so over 800 a month, and on a 2T I still get good fuel economy, and I do open it up becasue of motoway riding so it's not about the 2T or 4T, you have a small tank. your bike will only hold what 2gallons tops?

if someone would let me on a r1100 i rekon i could ride it and i wouldent jump on that and use it every day and i dident say that i said a 400-600 and i could with ease as a 400 isent a 1100 now isit

im sorry but it sounds like you dont no what thrid part is or am i wrong 3rd part covers the outher drivers car so say my breaks fail and i drive into the back of it (witch it wont because i rebuilt them)
my insureance will cover the cost of her car witch it would the same with fully comp but the difrence is do i pay over a grand more for fully comp when my bike is worth a grand and to fix it will be free because i have a hole bike for spears in my garden so her car is fixed my bike is fixed without fully comp



so what if my tank only holds 2 gallons its not that im filly up evry day its that im puting a tenner in evryday so even if i have a big tank id still have to fill up the same amont at the end of the week and just because you go on a motor way doesnt mean u open it up its not about how fast you go its what revs you change gear if you change at 6 on a 2t you will use less fule if you change at 12 you use more fule

 

[CurlyBlakey]

Toy Soldier you seem overally confident of your abilities, which is highly dangerous for a learner. Simple solution is if the dt is too expensive to insure and run trade it in for another 125, you won't save too much on insurance but on fuel you will. Gain your confidence on that and then move up. From the figures you quoted I would also suggest that your dt is broken slightly.

 

[AZZ3R]

if someone would let me on a r1100 i rekon i could ride it and i wouldent jump on that and use it every day and i dident say that i said a 400-600 and i could with ease as a 400 isent a 1100 now isit

I don't think you understand where I'm coming from. I wasn't justifing the point you or I can ride a 1000cc+ bike, I'm saying just because you've ridden it before doesn't mean your capable to ride it for a everyday thing.

im sorry but it sounds like you dont no what thrid part is or am i wrong 3rd part covers the outher drivers car so say my breaks fail and i drive into the back of it (witch it wont because i rebuilt them)

To me you seem too confident, are you a qualified mechanic? or just someone who reads the manual or internet to fix things? Just because you fixed them doesn't mean you fixed them correctly and will work.

my insureance will cover the cost of her car witch it would the same with fully comp but the difrence is do i pay over a grand more for fully comp when my bike is worth a grand and to fix it will be free because i have a hole bike for spears in my garden so her car is fixed my bike is fixed without fully comp

I will retype what I orginaly said so you can read it propperly and understand what it means. I know what TP means I've had all 3 types of insurance. "Third party will only cover you for any injury or even death caused to third parties. It will also cover your legal costs in the event but not any fines you may get."

so what if my tank only holds 2 gallons its not that im filly up evry day its that im puting a tenner in evryday so even if i have a big tank id still have to fill up the same amont at the end of the week and just because you go on a motor way doesnt mean u open it up its not about how fast you go its what revs you change gear if you change at 6 on a 2t you will use less fule if you change at 12 you use more fule

You couldn't be more wrong with everything you said. If your bike held say 4gallons you could fill it up to the brim and you would get more miles than you would if your bike was a 2 gallon tank, even if you filled up the same amount. And with motorway riding which I don't think you've done from reading your first post, a 2T will rev like f*ck, the power is all at the top end, so yes I do open it up on motorways. If I was to change gear at say 4th - 5th on the motorway while at 6k the bike would bogg down, and I'd have to shift down 2gears to make up for the power which would have been lost. for a 2T to sit at 70mph you need to ride it at about 8-9k revs.