So daughter is approaching 17 & it's car/bike time Are there any (legal) tricks to get insurance down, I will add myself as an extra driver/rider but is it worth added her mother ? I was expecting the car to cost a wedge but the figures I'm getting for a 125 are scary. From memory my 1st insurance on my Fizzy was about a tenner! Is there an optimum time to apply before the policy start date? Are any bike specific companies better that the big ones etc? Is it worth calling them or just use the online forms? Any help from someone who's gone throught his recently would be most appreciated.
From memory the more people you can load on the policy the more it brings it down for some reason? I’d always say call them as they’ve always done better doing this, online it’s just is what it is and there you go. Good luck with it Mike
Play with the excess when you do your quotes. It might be worth pushing the excess right up depending on the value of the bike in the case of a total loss.
Also play with the estimated mileage. It may seem counterintuitive but often a higher mileage reduces the quote.
Yeah both those ideas do affect the premium, so keep an eye on those. Having a garage/alarm/data tag can make a difference. It might seem a silly thing, but make sure pillion cover is switched off, when I had my 125 on CBT, insurance companies would often include it at a cost, but you can’t take them anyway! Obviously they just want the extra money. I’ve found the bike insurer website good value. When I was 17 I paid £660 TPFT for a CBR 125 for the first year, jeez!
Certainly! Navigating the world of insurance can indeed be a bit daunting as your daughter prepares to hit the road. Adding both parents as named drivers can sometimes help lower the premium, as it reduces the associated risk in the eyes of insurers. As for timing, applying just a few weeks before the policy start date might yield better rates, as insurers tend to offer competitive prices for prospective policyholders that plan ahead. When it comes to choosing providers, while the big companies might be convenient, I've found that some bike-specific insurers offer tailored policies that can sometimes result in better deals. It's definitely worth giving them a call, as direct communication often allows for more flexibility and negotiation. Lastly, make sure she takes any available safety courses; not only will it prepare her better for the road, but it could also knock a bit off the cost of insurance. Best of luck, and safe driving to her! Roo Casino https://roocasinoau.com presents an engaging platform for online gaming enthusiasts, offering a diverse selection of games that cater to a wide range of preferences.
Usually one additional driver helps, two or more might start to increase it. The usual keep in locked garage, get security devices (DataTag, Alarm/tracker might help, although funnily enough I've found it makes little to no difference on my bikes or puts premium up!). Approved locks are good for 125's but bear in mind anything you add on policy has to be used otherwise could invalidate insurance. Take off commuting if not used for that and strangely starting a policy on a weekday has proven cheaper for me - statistics must say new driver starting at weekend is a higher risk of incident as has more time than in the week!. Play around with options and see what's cost effective.
As already stated make sure you put down for no passengers, bikes can be replaced cheaply peoples injuries can run into many thousands, and does add a good chunk to a novice rider, I saw on moneysupermarket best time was about 24 days before you need insurance for best quote, I remember the Norwich union rider policy I got for £13, Good luck
