Bikes restricted to 33bhp...

Zascar

I've been told its a good idea for me as a first bike to get a 250cc+ bike that has been restricted. Trouble is I don't see any around.

I'm also told that insurance companies will only insure them if they are factory restricted. You can't just buy a bike and put a restrictor on it - is this true?

Where should I be looking?
Any pointers?
Thanks

Steffano2002

Zascar wrote: »

I'm also told that insurance companies will only insure them if they are factory restricted. You can't just buy a bike and put a restrictor on it - is this true?

Well they insured me! Bought an unrestricted Bandit 600 and got it restricted by a qualified mechanic. The thing is though, because it is not 'factory restricted' the insurance is as expensive as if it wasn't (i.e. - and I'm probably talking bullsh!t here as I don't know insurance groups that well - a 'factory restricted' Bandit 600 is Group 3 and mine, even though it is restricted, is probably considered Group 10).

What age are you as a matter of interest?

Del2005

Try here

http://www.magireland.org/33bhp.htm

Also most manufactures now offer 33bhp factory restricted bikes, these are the only ones you get insuracnce discounts for.

Idleater

There are usually a few FR bikes floating about.

The most popular are bandit 650, SV650, XT660, gixxer 6, 636,fz6, cbf600, and probably a few more that I can't think of at the moment. Most of the above are group 5/6 whereas the full power are 10/11/12.

Check biker.ie, irishbikerforum.com, bikebuyersguide etc.

What stefano says is correct, if you get a bike shop restricted then the insurance category of the full power bike is what you pay. AON are the only company that recognise Factory restriction I believe anyway.

MargeS

Correct me if I am wrong - but I thought that FR bikes were a misnomer. They are in fact regular bikes restricted by a factory approved garage/dealer.

and one other thing...from what I have read above, would I be correct in thinking that getting a bike restricted is purely for license purposes and not for insurance purposes. Therefore even if you ride an unrestricted bike on a prov license then your insurance will still cover you in the event of an accident as they don't care about restriction.

Dorsanty

MargeS wrote: »

Correct me if I am wrong - but I thought that FR bikes were a misnomer. They are in fact regular bikes restricted by a factory approved garage/dealer.

Factory restricted bike normally have far more modified parts and electronics. Shop fitted is normally just modification to exhaust and carb. Removing a Factory restriction can be €1000+. Removing a shop fitted is only in the low hundreds.

MargeS wrote: »

and one other thing...from what I have read above, would I be correct in thinking that getting a bike restricted is purely for license purposes and not for insurance purposes. Therefore even if you ride an unrestricted bike on a prov license then your insurance will still cover you in the event of an accident as they don't care about restriction.

From reading similar in the past the consensus seems to be that the insurance company will likely pay out the the effected party should the rider do damage to other persons and vehicles. You'll then get your ass sued for misrepresentation on your insurance contract because you were in fact not legally allowed drive that vehicle.

MargeS

Dorsanty wrote: »

You'll then get your ass sued for misrepresentation on your insurance contract because you were in fact not legally allowed drive that vehicle.

yes...you are correct, forgot about that angle!

Zascar

Thanks guys. So I can get any bike I want and get a factory restictor put on it, but I'm going to be paying high insurance on whatever the bike is classes at when not restricted?

I'll have to get some quotes and see. Quinn Direct have online quoting system, does anyone else?

Zascar

Guys is there a list of what bikes are what insurace group? So i know which ones are most cost effective etc?

Steffano2002

Zascar wrote: »

Thanks guys. So I can get any bike I want and get a factory restictor put on it, but I'm going to be paying high insurance on whatever the bike is classes at when not restricted?

No, you cannot "factory restrict" a bike yourself. It's either "factory restricted" when you get it or you get it "restricted" yourself. Then you pay full whack insurance.

My advice: try finding a factory restricted bike. If you can afford the insurance, get the bike that you really really want and restrict it yourself.

Idleater

1) no, either you buy a specific model of bike that is already Factory Restricted (by the manufacturer, and logged as FR (with frame/engine number) as FR) or you buy any bike, and get it dealer restricted which is worth nothing to the insurance company other than you satisfying your obligations under your licence.

2) Aon quote online too.

Steffano2002

nereid wrote: »

1) no, either you buy a specific model of bike that is already Factory Restricted (by the manufacturer, and logged as FR (with frame/engine number) as FR) or you buy any bike, and get it dealer restricted which is worth nothing to the insurance company other than you satisfying your obligations under your licence.

You said it so much better Nereid!