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Motorbike insurance - tell us your quotes

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    #1142
    Green_Martian
    Registered Users Posts: 1,545 ✭✭✭Green_Martian


    Chelsea Mealy Spine wrote: »
    A bit of haggling would have probably gotten it down to €300 even. What was the price 12 years ago can you remember?

    Originally wanted 350 I think, rang them and they dropped to 324.

    Jaysis I can't remember what I did last week never mind what insurance was 12 years ago haha, well over a grand on a Bandit 600 form what I can barely remember, might even have been near 2k


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    #1143
    Green_Martian
    Registered Users Posts: 1,545 ✭✭✭Green_Martian


    Cienciano wrote: »
    I was over 40 at the last renewal

    Ah I guessed that from what you put up, I was just taking the mick :D


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    #1144
    wallpapers123
    Registered Users Posts: 104 ✭✭wallpapers123


    Planning to get a new STriple, booked one last weekend and trying to get a quote on the insurance, all of the providers have such pathetic policies in place. Principle won't quote unless I hold a full license for a whole year, Carole Nash won't quote for 0 NCB, Liberty won't quote till I get a full license, won't even considering hypothetically that I have a full license just to get a quote.


    PS: I am 28 Years old and have been riding since the last 5 years or so.

    Thinking to consider buying a different bike now.

    Any thoughts..?


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    #1145
    IrishGrimReaper
    Registered Users Posts: 1,025 ✭✭✭IrishGrimReaper


    To be honest, it's not a good 'profile' of a risk when you're looking to get Insured on a relatively new(2013+ from your other thread) model bike. The value of the vehicle itself would be an issue, that tied in with the fact you are on a learner permit and have no documented experience on bikes(no NCB).

    Your best bet is doing the test and getting the full license before planning to buy any bike, is there any reason you haven't done the test?

    I've only been riding bikes since February last year, I was 30 with TPFT insured on a Honda 2003 Varadero 125cc with no NCB for €320. Changed bike to an 2008-600cc after getting my full license and for the remaining 7 months it was an extra €230 and the cover upgraded to full comp.(Carole Nash)


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    #1146
    wallpapers123
    Registered Users Posts: 104 ✭✭wallpapers123


    IrishGrimReaper wrote: »
    To be honest, it's not a good 'profile' of a risk when you're looking to get Insured on a relatively new(2013+ from your other thread) model bike. The value of the vehicle itself would be an issue, that tied in with the fact you are on a learner permit and have no documented experience on bikes(no NCB).

    Your best bet is doing the test and getting the full license before planning to buy any bike, is there any reason you haven't done the test?

    I've only been riding bikes since February last year, I was 30 with TPFT insured on a Honda 2003 Varadero 125cc with no NCB for €320. Changed bike to an 2008-600cc after getting my full license and for the remaining 7 months it was an extra €230 and the cover upgraded to full comp.(Carole Nash)

    Actually I have ditched the plan of getting a used bike. I'll get a new one instead:D, but the insurance is turning out to be such a pain. I will give my test in coming month (hoping to get the benefit of the 6 month rule). Hopefully will get the full license soon after that.


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    #1147
    blade1
    Registered Users Posts: 12,101 ✭✭✭✭blade1


    Green_Martian wrote: »
    Jaysis I can't remember what I did last week never mind what insurance was 12 years ago haha, well over a grand on a Bandit 600 form what I can barely remember, might even have been near 2k

    I can remember my first insurance in 1988.
    £214 and tax and license were £5 and £6 or vise versa.


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    #1148
    ayux4rj6zql2ph
    Closed Accounts Posts: 3,001 ✭✭✭ayux4rj6zql2ph


    blade1 wrote: »
    I can remember my first insurance in 1988.
    £214 and tax and license were £5 and £6 or vise versa.

    Jaysus blade1 you’re going right back :pac:

    My first insurance was on an X8R was €750 TPO


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    #1149
    Green_Martian
    Registered Users Posts: 1,545 ✭✭✭Green_Martian


    blade1 wrote: »
    I can remember my first insurance in 1988.
    £214 and tax and license were £5 and £6 or vise versa.

    :eek::eek::eek:


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    #1150
    blade1
    Registered Users Posts: 12,101 ✭✭✭✭blade1


    Chelsea Mealy Spine wrote: »
    Jaysus blade1 you’re going right back :pac:
    Green_Martian wrote: »
    :eek::eek::eek:

    16 years of age.
    That's what most lads did in my area.
    I'm the youngest of 4 brothers and they also would have been on the road at 16.
    As would most of my mates and my brother's mates.
    We'd all gather at weekends and head off together.
    We were cool as fùck :pac::pac:


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    #1151
    ayux4rj6zql2ph
    Closed Accounts Posts: 3,001 ✭✭✭ayux4rj6zql2ph


    blade1 wrote: »
    16 years of age.
    That's what most lads did in my area.
    I'm the youngest of 4 brothers and they also would have been on the road at 16.
    As would most of my mates and my brother's mates.
    We'd all gather at weekends and head off together.
    We were cool as fùck :pac::pac:

    Was it just a case of pass the eye sight test and buy the provisional licence?

    4 brothers all pulling up together on their bikes? I'd say ye were the envy of the locality especially as it was a different country back then.

    What was your first bike out of curiosity? Probably bikes from that era that i never even heard of :o


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    #1152
    BaronVon
    Registered Users Posts: 1,646 ✭✭✭BaronVon


    Just getting quotes there for my first bike:

    2004 Honda VFR VTec 781cc, value €3500
    • 39 years old
    • Full A for 5 years
    • 0 NCB
    • Commuting
    • Mileage 10k km
    • Stored in Wooden Shed
    • Secure parking in work.

    Carole Nash
    TPFT €410 Excess €250
    Comp €524 Excess 250

    AON/Axa
    Comp €330
    Only took brief details, so might come in higher/lower

    Principal
    Comp €693 including helmet and leathers cover, excess €350
    Reduced immediately to €486, excess €400 without helmet and leathers cover on hearing of other quotes.

    MCE
    Comp €741, excess €575, including cover for gear

    Liberty
    Online quote of:
    Comp €626
    TPFT €482

    Carole Nash agent told me to come back with other quotes and they could make a better offer, reckoned around €100 saving.
    MCE were well off the mark. Overall, I would be happy with fully comp for around €400 as I have no NCB, but certainly all cheaper (except MCE) than the car insurance!


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    #1153
    blade1
    Registered Users Posts: 12,101 ✭✭✭✭blade1


    Chelsea Mealy Spine wrote: »
    Was it just a case of pass the eye sight test and buy the provisional licence?

    4 brothers all pulling up together on their bikes? I'd say ye were the envy of the locality especially as it was a different country back then.

    What was your first bike out of curiosity? Probably bikes from that era that i never even heard of :o

    Yep just eyesight and buy licence.
    Having older brothers with bikes meant I was fairly seasoned when I reached 16 :pac:
    Always was fascinated by bikes from the time I was a toddler.
    First bike: the mighty Honda 70.
    Cost me £550 and I only had it about 2 months

    2em3j94.jpg

    Then I moved up to a Suzuki TS100 which I paid £460 for.
    At 16 and 1988 in my area this was like driving around in a Ferrari!!! Babe magnet!!!:pac:

    2hzqop0.jpg

    And from that a Yamaha RD125 which I think I paid £800 for.

    kec5nd.jpg

    And from there the list goes on and on!!


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    #1154
    shuyin1
    Registered Users Posts: 369 ✭✭shuyin1


    Lads stay the fudge away from the honda monkey 125 if you're a learner. Caused so much grief trying to get insurance.


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    #1155
    Uinseann_16
    Registered Users Posts: 757 ✭✭✭Uinseann_16


    Insurance for a 2001 Yamaha XVS 125cc dragstar
    MCE 1262.44 euro third party fire and theft (750 euro excess)
    Provisional licence held for 5 months
    17 years old 0 year NCB
    Kept in concrete shed at home and at work
    I went with them imo it was fair enough all things considered

    AXA wanted 2300 for third party only:eek:
    Carole nash was 1491 TPF
    Liberty was 1734 TPF


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    #1156
    ZX7R
    Registered Users Posts: 3,426 ✭✭✭ZX7R


    Uinseann_16 wrote: »
    Insurance for a 2001 Yamaha XVS 125cc dragstar
    MCE 1262.44 euro third party fire and theft (750 euro excess)
    Provisional licence held for 5 months
    17 years old 0 year NCB
    Kept in concrete shed at home and at work
    I went with them imo it was fair enough all things considered

    AXA wanted 2300 for third party only:eek:
    Carole nash was 1491 TPF
    Liberty was 1734 TPF

    Thank god I am old,my first instance was with p.m.p.a
    £150 Irish Poud fully comp

    Jesus they really don't want young lads ladies too Start biking FFS


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    #1157
    Uinseann_16
    Registered Users Posts: 757 ✭✭✭Uinseann_16


    ZX7R wrote: »
    Thank god I am old,my first instance was with p.m.p.a
    £150 Irish Poud fully comp

    Jesus they really don't want young lads ladies too Start biking FFS

    The way car and bike insurance has gone i thought 1262 was reasonable:D
    Once i get a few years NCB piled up itll get cheaper:pac:


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    #1158
    shuyin1
    Registered Users Posts: 369 ✭✭shuyin1


    Uinseann_16 wrote: »
    Insurance for a 2001 Yamaha XVS 125cc dragstar
    MCE 1262.44 euro third party fire and theft (750 euro excess)
    Provisional licence held for 5 months
    17 years old 0 year NCB
    Kept in concrete shed at home and at work
    I went with them imo it was fair enough all things considered

    AXA wanted 2300 for third party only:eek:
    Carole nash was 1491 TPF
    Liberty was 1734 TPF

    That's not too bad.

    Myself
    Honda monkey 125
    Liberty/Principal wont insure unless full license
    MCE 700 TPO
    CN 600 TPO


    Learner License, 30's.


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    #1159
    Hotblack Desiato
    Registered Users Posts: 33,878 ✭✭✭✭Hotblack Desiato


    ZX7R wrote: »
    Jesus they really don't want young lads ladies too Start biking FFS

    For most it's far better now than it used to be.

    When I started in 1995, NU had a monopoly, I paid £1000 TPO on a 100cc and I was well into my 20s!

    Life ain't always empty.



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    #1160
    CJhaughey
    Registered Users Posts: 14,906 ✭✭✭✭CJhaughey


    Hotblack Desiato wrote: »
    For most it's far better now than it used to be.

    When I started in 1995, NU had a monopoly, I paid £1000 TPO on a 100cc and I was well into my 20s!

    I remember NU well. I also remember that they had a rider policy which insured you to ride a motorcycle....


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    #1161
    ayux4rj6zql2ph
    Closed Accounts Posts: 3,001 ✭✭✭ayux4rj6zql2ph


    CJhaughey wrote: »
    I remember NU well. I also remember that they had a rider policy which insured you to ride a motorcycle....

    Yeah we were discussing that last week, it appears NU morphed into Hibernian who morphed into Aviva


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    #1162
    rowanh
    Registered Users Posts: 702 ✭✭✭rowanh


    Bizarre reversal of the last few years this time..

    03 CBR600F, 37, full license 4 years and 5 years ncb. Living in D8 with bike parked on street.

    Carol nash renewel 536

    Axa 830
    Liberty 650

    Principal 336

    Carol nash requote 375, reduced to 353 when i said can you not just match principal. Then I asked them about switching to a 2012 versys 650 and they said it would be 600 euro!!!

    MCE 337 but with a 1500 euro excess!!! 211 for third party.

    Principal and MCE were always the most expensive, seems they are desperate for new business..


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    #1163
    wallpapers123
    Registered Users Posts: 104 ✭✭wallpapers123


    A bit of confusing scenario....
    I tried getting a quote for a new STriple on a learners permit from Liberty insurance a couple of time via the online portal and on call... I was declined saying I have 0 NCB or I don't have full license.. But was on call with them just now and they gave me a quote (A high premium) but they're ready to insure me on the same bike nonetheless..
    I'm confused.. is it some blunder at their part or is it too good to be true and such things happen all the time.


    2019 Triumph Street Triple 765cc
    0 NCB
    1 month learner's permit (A Cat)
    28 Yrs age
    IBT Complete
    Liberty Assessment Level 2 Complete
    Quote: 2091 EUR Comprehensive


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    #1164
    ayux4rj6zql2ph
    Closed Accounts Posts: 3,001 ✭✭✭ayux4rj6zql2ph


    wallpapers123 wrote: »
    A bit of confusing scenario....
    I tried getting a quote for a new STriple on a learners permit from Liberty insurance a couple of time via the online portal and on call... I was declined saying I have 0 NCB or I don't have full license.. But was on call with them just now and they gave me a quote (A high premium) but they're ready to insure me on the same bike nonetheless..
    I'm confused.. is it some blunder at their part or is it too good to be true and such things happen all the time.


    2019 Triumph Street Triple 765cc
    0 NCB
    1 month learner's permit (A Cat)
    28 Yrs age
    IBT Complete
    Liberty Assessment Level 2 Complete
    Quote: 2091 EUR Comprehensive

    What’s this assessment like that you’ve completed?


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    #1165
    wallpapers123
    Registered Users Posts: 104 ✭✭wallpapers123


    Chelsea Mealy Spine wrote: »
    What’s this assessment like that you’ve completed?

    It was just a basic assessment by a certified trainer.


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    #1166
    ayux4rj6zql2ph
    Closed Accounts Posts: 3,001 ✭✭✭ayux4rj6zql2ph


    wallpapers123 wrote: »
    It was just a basic assessment by a certified trainer.

    What was involved? Duration,cost etc?

    Reason i ask is the topic has come up on this thread in the most recent comments.

    https://www.boards.ie/vbulletin/showthread.php?t=2057154990&page=367


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    #1167
    wallpapers123
    Registered Users Posts: 104 ✭✭wallpapers123


    Chelsea Mealy Spine wrote: »
    What was involved? Duration,cost etc?

    Reason i ask is the topic has come up on this thread in the most recent comments.

    https://www.boards.ie/vbulletin/showthread.php?t=2057154990&page=367

    It was done by my IBT Instructor who also happened to be working for liberty insurance. Nothing extra was assessed. Just a normal assessment done during IBT.
    Cost me 120 EUR.


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    #1168
    ayux4rj6zql2ph
    Closed Accounts Posts: 3,001 ✭✭✭ayux4rj6zql2ph


    LIGHTNING wrote: »
    Just bashing some numbers into Liberty and for a 35 year old male with a learners permit with zero NC it doesnt seem matter if I go for a 125cc or a 250cc. Looks like I will go for a 250cc in that case :)

    What sort of prices are they giving you? Is it FC/TPFT/TPO?


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    #1169
    IrishGrimReaper
    Registered Users Posts: 1,025 ✭✭✭IrishGrimReaper


    As a learner with a 125cc and 30 years old no ncb CN quoted me €320 TPFT. May be worth giving them a shout, Liberty were around €550 for TPO.


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    #1170
    ayux4rj6zql2ph
    Closed Accounts Posts: 3,001 ✭✭✭ayux4rj6zql2ph


    LIGHTNING wrote: »
    525e TPO which to me seems quite good.

    I'd try CN as IGR suggested or even Principal.

    I'm a few years younger than you and my circumstances were identical on the DL650/Aerox, my quote was €400 FC for both of them, i'd imagine you'd get it cheaper.


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    #1171
    emo72
    Registered Users Posts: 6,186 ✭✭✭emo72


    has axa got a regular landline number? 1890 number and holding for ages doesnt seem fair.


This discussion has been closed.
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