revtothelimit - motorbike forum

Mr. Dazzle wrote: Thu Oct 29, 2020 6:15 pm

the_priest wrote: Thu Oct 29, 2020 9:08 am Errm. 2006 it was around £150 for the FJ1200 I think. Cheap as chips for a 0 NCB, third party only. Currently about the same for a K1200R with years of NCB and fully comp. I'm not complaining, I've had it pretty good. The K1200R is cheaper to insure than the NC700X DCT was.... ah well.

I should imagine the profession helps with the risk weighting they give you somewhat

Funnily enough Vicars are very heavy insurance risks, as are actors.
My uncle the moderately famous actor had an Imp. It had dents on every panel, including the roof. He was probably the worst driver I have ever come across....and I was a driving instructor for a while.

Mr. Dazzle wrote: Thu Oct 29, 2020 6:15 pm

the_priest wrote: Thu Oct 29, 2020 9:08 am Errm. 2006 it was around £150 for the FJ1200 I think. Cheap as chips for a 0 NCB, third party only. Currently about the same for a K1200R with years of NCB and fully comp. I'm not complaining, I've had it pretty good. The K1200R is cheaper to insure than the NC700X DCT was.... ah well.

I should imagine the profession helps with the risk weighting they give you somewhat

Back then I was laity. not sure it makes a difference. I do now spend more time on the road, so I am a higher risk category now...

David wrote: Thu Oct 29, 2020 8:03 pm

Mr. Dazzle wrote: Thu Oct 29, 2020 6:15 pm

the_priest wrote: Thu Oct 29, 2020 9:08 am Errm. 2006 it was around £150 for the FJ1200 I think. Cheap as chips for a 0 NCB, third party only. Currently about the same for a K1200R with years of NCB and fully comp. I'm not complaining, I've had it pretty good. The K1200R is cheaper to insure than the NC700X DCT was.... ah well.

I should imagine the profession helps with the risk weighting they give you somewhat

Funnily enough Vicars are very heavy insurance risks, as are actors.
My uncle the moderately famous actor had an Imp. It had dents on every panel, including the roof. He was probably the worst driver I have ever come across....and I was a driving instructor for a while.

I should add that he was a very nice man.

the_priest wrote: Thu Oct 29, 2020 9:08 am Errm. 2006 it was around £150 for the FJ1200 I think. Cheap as chips for a 0 NCB, third party only. Currently about the same for a K1200R with years of NCB and fully comp. I'm not complaining, I've had it pretty good. The K1200R is cheaper to insure than the NC700X DCT was.... ah well.

I've just renewed my NC - it's a 2016 manual and we are in a low E postcode but Bennetts wanted over 900 quid .
I went with motorcycle direct in the end for a third of that .
My first policy was 1997 - SRX 400 parked in the road TPFT - I think it was around £110 .

asmethurst99 wrote: Fri Oct 30, 2020 5:37 pm

the_priest wrote: Thu Oct 29, 2020 9:08 am Errm. 2006 it was around £150 for the FJ1200 I think. Cheap as chips for a 0 NCB, third party only. Currently about the same for a K1200R with years of NCB and fully comp. I'm not complaining, I've had it pretty good. The K1200R is cheaper to insure than the NC700X DCT was.... ah well.

I've just renewed my NC - it's a 2016 manual and we are in a low E postcode

Wassat?

I can't remember what I paid for either my 125 or 250, but I do recall that my one year old, 1000 mile £729 CB400F set me back 200 quid for a fully comprehensive Norwich Union rider policy in autumn 1978. Only year I ever had comp insurance which was just as well as I crashed it hard next spring!

Right now I can only get TPO because I don't have a brick-built garage (tricky in a Victorian street and I'm not sure SHMBO would go for me knocking a hole in the house wall at the front to roll the bike indoors), and because I need instructor cover which severely limits the underwriters who will quote.

The Spin Doctor wrote: Fri Oct 30, 2020 5:59 pm and because I need instructor cover which severely limits the underwriters who will quote.

One would imagine insurers would welcome someone good enough to school others. It's not like the pupils are a pillion risk.

Yorick wrote: Fri Oct 30, 2020 5:42 pm

asmethurst99 wrote: Fri Oct 30, 2020 5:37 pm

the_priest wrote: Thu Oct 29, 2020 9:08 am Errm. 2006 it was around £150 for the FJ1200 I think. Cheap as chips for a 0 NCB, third party only. Currently about the same for a K1200R with years of NCB and fully comp. I'm not complaining, I've had it pretty good. The K1200R is cheaper to insure than the NC700X DCT was.... ah well.

I've just renewed my NC - it's a 2016 manual and we are in a low E postcode

Wassat?

Sorry yoz speaking in code - I live in the East End - not the best address for bike insurance .

Skub wrote: Fri Oct 30, 2020 6:05 pm

The Spin Doctor wrote: Fri Oct 30, 2020 5:59 pm and because I need instructor cover which severely limits the underwriters who will quote.

One would imagine insurers would welcome someone good enough to school others. It's not like the pupils are a pillion risk.

You'd think that, wouldn't you? But as soon as you mention bike training, it's always a sharp intake of breath. It's not as if I'm trying to insure some 30k custom special either, just a ten year old, bog standard, XJ6 worth about 2k. The problem is that the vast majority of bike instructors work for ATBs and there are a couple of companies which offer cover for that pretty much covering that market. But as an independent, there are restricted options who'll quote. I got a couple very silly ones.

1975 for a Bultaco Sherpa havent a scooby £30 Maybe I only took home £50 per month then so not a bad guesstimate IMO.

I seem to recall mine was an eye-watering (at the time) £30 for TPFT on a BSA B25SS on L plates at 17. I was still at skool but I had two jobs, which allowed me to pay off the loan for that and the bike, that I got off my Dad. The bike was £200. I was the lolly-pop man outside the skool (yes, really) from 8.30 to 9.15 every morning, and that was worth £7.50 a week, and I also did a night shift Friday-Saturday at the motorway service station forecourt - and when the shift finished at 7 a.m. they would often offer me a Saturday day shift too, which I would take, giving me a 16 hour shift worth about £30, so not bad money for a 17yr old at skool in the late 70s.