Best insurance company

mazdafarl

lookin to get insured on a 250 sports bike probaly and nsr or so, Quinn direct seems to be a complete rip off charging the guts of 2,000 sheets, im 23 with full car licence but only provisional bike.

colm_c

Actually QD are probably your cheapest option.

The other insurance companies in the market here are:

Aon
Carol Nash
Adelaide

The car license has no bearing - you have a provisional license, 0 NCB, and you're under 23 - that combined with a 250 sports bike doesn't bode well!

I wouldn't think you'll get anything cheaper than your QD quote, although AON give % off if you've got a car insurance policy I think.

smoc

mazdafarl wrote: »

lookin to get insured on a 250 sports bike probaly and nsr or so, Quinn direct seems to be a complete rip off charging the guts of 2,000 sheets, im 23 with full car licence but only provisional bike.

I was 22 last year with 4 years no claims and a full licence and a grade 2 assesment and my insurance was 1,909 TPO!! from Aon on a 250cc. This year i'm on a Honda VFR 800 and being charged only 540 euro Fully comp with NCB protection with Q.D!

In saying that i'm going to move to Adaleide next year if their not too much more. However, I think they only accept over 25's.

mazdafarl

I have one years no claims when I had a bike (Aprillia RS 50)when i was 18 so I taught itd be cheaper - checked it out for a yamaha wr 400 a 400cc dirt bike and its only 700 euro,
Had my heart set on a racing bike but I would like to still keep the car
I taught Hibernian did aswell but cant find and bike insurance on thier website

murphaph

mazdafarl wrote: »

I have one years no claims when I had a bike (Aprillia RS 50)when i was 18 so I taught itd be cheaper - checked it out for a yamaha wr 400 a 400cc dirt bike and its only 700 euro,
Had my heart set on a racing bike but I would like to still keep the car
I taught Hibernian did aswell but cant find and bike insurance on thier website

NCB on bikes evaporates after 2 years, not 5 like with cars. Hibernian bailed out of bike insurance a while back.

Run_to_da_hills

mazdafarl wrote: »

lookin to get insured on a 250 sports bike probaly and nsr or so, Quinn direct seems to be a complete rip off charging the guts of 2,000 sheets, im 23 with full car licence but only provisional bike.

If I were an insurance company I wouldn't quote any 23yo on a provisional license for a sports two stroke 250cc. You would find that the insurance group for this bike is the same class as most 750cc+ sports bikes. Do what the rest of us have done, start off on something sensible and then get a full license.

mazdafarl

Run_to_da_hills wrote: »

If I were an insurance company I wouldn't quote any 23yo on a provisional license for a sports two stroke 250cc. You would find that the insurance group for this bike is the same class as most 750cc+ sports bikes. Do what the rest of us have done, start off on something sensible and then get a full license.

No offence but thats loser talk, how'd do you know Im not twice the rider you are. Iv driven and raced fast bikes before, 2000 euro is a disgrace considering the cost of bike accidents are far less then cars. Just because your old doesnt make you a better rider, Infact your reaction times are probaly half mine comparable to a drunk with the ego of one aswell.

murphaph

mazdafarl wrote: »

No offence but thats loser talk, how'd do you know Im not twice the rider you are. Iv driven and raced fast bikes before, 2000 euro is a disgrace considering the cost of bike accidents are far less then cars. Just because your old doesnt make you a better rider, Infact your reaction times are probaly half mine comparable to a drunk with the ego of one aswell.

....but judging by your rather hasty response and talk of racing you'd probably need your rection times to be twice as fast as you'd be going twice as fast too.

at the end of the day, insurance on bikes sucks until you get older, at least over 25 mainly because the highest risk group are younger men, as usual. Insurance companies are slime but they operate on risk and the higher the risk group the higher the premiums.

You will have to start on something more lame and build up a NCB and get yourself a full licence before you will get decent quotes.

mazdafarl

murphaph wrote: »

....but judging by your rather hasty response and talk of racing you'd probably need your rection times to be twice as fast as you'd be going twice as fast too.

at the end of the day, insurance on bikes sucks until you get older, at least over 25 mainly because the highest risk group are younger men, as usual. Insurance companies are slime but they operate on risk and the higher the risk group the higher the premiums.

You will have to start on something more lame and build up a NCB and get yourself a full licence before you will get decent quotes.

Ye wont be till Dec when my bans up, ill be 24 by then just checkin quotes in preparation - bans from a car so hopefully wont change insurance

murphaph

mazdafarl wrote: »

Ye wont be till Dec when my bans up, ill be 24 by then just checkin quotes in preparation - bans from a car so hopefully wont change insurance

You were disqualified from holding a licence so. You only hold 1 driving licence, with various categories on it, A, B, C etc. You don't hold an A licence AND a B licence etc... It's just one licence with however many categories you are entitled to drive on it. If you get banned it applies to the licence as a whole, not to the category of vehicle you were guilty of the offence in/on.

You will be asked to declare "have you ever been disqualified from holding a driving licence?" in your insurance proposal and you will have to answer "yes" and it will make a difference to your premium, as it should in a fair world.

What was your ban for? Do you not have to resit your test following your ban?

mazdafarl

murphaph wrote: »

What was your ban for? Do you not have to resit your test following your ban?

Just drink driving, Dont think they brought that resit the test in, my incident happened way back in 2006 so its based on the old laws, didnt get heard till dec 07

Wossack

mazdafarl wrote: »

...
Infact your reaction times are probaly half mine comparable to a drunk with the ego of one aswell.

mazdafarl wrote: »

Just drink driving

:pac:

Popeleo

mazdafarl wrote: »

Just drink driving

You're saying you have biking experience and you describe it as JUST drink driving!!!

Please don't buy a bike - you'll only injure yourself and put up our premiums.

And if you're determined to kill yourself, buy a bike for track racing only -cheaper tax-wise, no road insurance necessary.

Run_to_da_hills

mazdafarl wrote: »

No offence but thats loser talk, how'd do you know Im not twice the rider you are. Iv driven and raced fast bikes before, 2000 euro is a disgrace considering the cost of bike accidents are far less then cars. Just because your old doesnt make you a better rider, Infact your reaction times are probaly half mine comparable to a drunk with the ego of one aswell.

Its down to insurance statistics and dosn't matter if you are the best pilot in the world. Experience comes with age, for starters I dont race around like a lunatic to impress people. I am riding 27 years having dispatch bike experience in Dublin city for many years. I have owned and ridden GSZR 1100's, Fireblades, Ducati 900 and currently have a GSXR 750 and never in my life made a claim against my bike insurance. The type of bike you are talking is a death trap and is no different to being on a pushbike doing over the ton, thats why it is classed in par with a 750+ sports bike and should rightly be.

murphaph

ah I smell a troll

beemer330

murphaph wrote: »

ah I smell a troll

+1

XJR

mazdafarl wrote: »

Ye wont be till Dec when my bans up, ill be 24 by then just checkin quotes in preparation - bans from a car so hopefully wont change insurance

I had to re-read that several times to make sure I got it right:
You're 23 on a provisional licence and banned and you're complaining about paying 2000?

You certainly don't sound like the sort of risk an insurance company would like to have on its books. Irrespective of what the ban was for it wont bode well when looking for a quote and when they ask the question "have you had any accidents, claims or convictions" I would be expecting to see a premium commensurate with your driving history.

I think you need to get a grip on reality

XJR

mazdafarl wrote: »

Ye wont be till Dec when my bans up, ill be 24 by then just checkin quotes in preparation - bans from a car so hopefully wont change insurance

I had to re-read that several times to make sure I got it right:
You're 23 on a provisional licence and banned and you're complaining about paying 2000?

You certainly don't sound like the sort of risk an insurance company would like to have on its books. Irrespective of what the ban was for it wont bode well when looking for a quote and when they ask the question "have you had any accidents, claims or convictions" I would be expecting to see a premium commensurate with your driving history.

SeanW

mazdafarl wrote: »

Just drink driving

Oh, is THAT all

SlabMurphy

I'm with Aon,when my policy is up I'll go to QuinnDirect.

galwaytt

Run_to_da_hills wrote: »

If I were an insurance company I wouldn't quote any 23yo on a provisional license for a sports two stroke 250cc.

He didn't say two-stroke. If he did, it'd be a lot more than 2k for insurance. My 1989 RGV250 is group 11 - that's superbike insurance territory.........more than my R1150RT and 1450 H-D............combined.

Oh, love the OP's 'only drink driving' quote.........!

Wossack

well he specifies a nsr in his first post, nsr250 is a 2t

anyway! he's banned..

Steffano2002

SlabMurphy wrote: »

I'm with Aon,when my policy is up I'll go to QuinnDirect.

I went from Carole Nash to Quinn-Direct last year but this year I think I'll go with Adelaide. Rang them to get a quote the other day and fully comp. (including free recovery!) was much cheaper than QD!

It was only a quote though... When I renew in June I'll know for sure which one is best/cheapest.

Thinkingaboutit

colm_c wrote: »

Actually QD are probably your cheapest option.

The other insurance companies in the market here are:

Aon
Carol Nash
Adelaide

The car license has no bearing - you have a provisional license, 0 NCB, and you're under 23 - that combined with a 250 sports bike doesn't bode well!

I wouldn't think you'll get anything cheaper than your QD quote, although AON give % off if you've got a car insurance policy I think.

This might have been mentioned, but Aon do discount if you have a full B licence and a validly insured car. Now that might mean being with AXA, but I think not.