My daughter’s insurance on her new Kawasaki z125 was £800 for the year full comp. She is 22 and had full car license for 5 years with full no claims. She plans to keep the 125 for two years then do her direct access. I completely agree with you the license should automatically upgrade after 2 years if you have an A2. I passed my test on my 125 and was restricted to 33bhp for two years and then was auto upgraded to full A license. I don’t know when you’re talking about how much you pay if it’s full comp or third party only. The only thing I can suggest to make insurance even slightly affordable for a 17/18 year old is to buy the cheapest reliable 125 available and insure it 3rd party only. Buy a really really good lock to avoid theft (lite lock) remember if accident is someone else’s fault it will be their insurance that pays so the third party part in that case is irrelevant. You will still build up no claims on third party insurance as long as you don’t need to claim. I get your anger, feel free to vent anytime 👍
When I was in my 20's I thought one of the perks getting older would be lower premiums. What a mug I was. Full no claims on my car 2 years no claims on my bike. I'm still getting cained.
I’m so glad I passed my test in 1982, I’d hate to have to do all that jumping through hoops for the test these days. And as for the insurance! They just want to stop people riding
@@kevindarkstar I believe we had the last of the good times for riding, none of the myriad of devices to catch us speeding, not that I do😈 and reasonably priced insurance and access to some great bikes
Ive Just passed my a2 and ive been looking at a new bike since my prior has been written off due to an accident but i got quoted 26-35k a year for any bike bigger than a 125 even 180 road legal pit bikes.
I'm 59 got 2 Triumphs and a scooter. The scooter is stealable so 400 a year full Ncd garaged makes big difference and location. Insurance is a big rip off car insurance as well. Enjoying the videos 😊
Got my first bike in 2020 at 26 - a cb125f and insured for £900ish. My 650 cost me around £800 with 1 yr NCB after passing my A license. Its currently somewhere around £500 annually.
I'm 45 and a new rider on a CBT. I have a Honda CB125R brand new. I pay £515 for the year on insurance. I live in SW England. It sounds like I've been quite fortunate compared to many in the comments.
In New Zealand, there's the Basic handling skills test, a one or two hour thing to make sure you can work the bikes controls, do some slow speed manoeuvres etc, and once you'e passed that you can sit the theory test for a Learner license, which allows up to 660cc and 47hp , but you can't have a passenger of ride between 10pm and 5am , after 6 months you can sit the practical test for the Restricted license, which... well it's no Different really, the same restrictions apply. and then a year after that you can sit another practical test for the full License with no restrictions (there are age restrictions before you can sit a license too) and doing a Bronze, Silver or Gold "Ride for life" course (in this order) can halve the time you have to wait before you go for the next license. If I have to wait the full amount of time, it would be January before I can get my next license... But Nah I want it for Christmas time. So I'm going to do one or two of them before December starts! And on Insurance... Well I've had my full drivers license since before you were born, so while I'm not old, I'm no spring chicken either, Surprisingly, insurance for a 250cc Adventure bike as a new rider, is about twice what I pay for the car insurance with many years claim free. and the bike is insured for more than the car.
Really interesting hearing the different licence paths, that one seems more confusing than the UK one but that might just be because I'm used to ours 😂
First time i got my 125 scooter insured, lexham insurance charged me 2k for a years policy cover. But since i made claims, my insurance is going to up in price regardless whether i get the cheapest chinese bike or not.
The cost of insurance repairs and payouts is at an all time high. The costs incurred by accidents with uninsured drivers is also at an all time high. Crash for cash is up. Pothole damage claims are huge... EVs are a big cause of the cost increases. Any damage to the vehicles battery housing is an instant write off. Parts prices shot up during Covid. The biggest increase is in profits and shareholder dividends. Every industry is at it, stripping us of income for the benefit of the shareholders.
It’s little wonder that less and less younger people are getting into biking. I passed my bike test at 17 in the late 80’s and could ride anything I could afford straight away. Im 53 now and never had a claim in my life and now own and ride 5 bikes all on seperate policies. I can insure a Hayabusa for less than £200 per year! Really feel for young people trying to get into biking now.
I do feel you though, after two years I was auto upgraded. Two weeks after my A2 bought a GSXR 750, every time I was pulled they’d ask how long I’d been riding (lie mode engaged) ‘couple of years officer’…
I can not believe how much the insurance is for younger riders. It's shockingly expensive. Im 49, and my Tracer 900 2017 is £174 a year. If i had to pay that each month, i think i would call it a day. Love your videos. Ride safe❤😊
I'm 20, have an A2 for a year, worked for a motorcycle company so they paid for an ERS course too and I get 0 quotes back on near enough any bike. What a scam, it used to be £3-6k last year. This year I'm just straight up refused.
That's the most annoying thing I think. Literally getting refused quotes on bikes that are within my licence brackets. Like these bikes have been designed for A2 riders in mind 😅
The other big factor is the actual bike statistics from what I can gather. If you buy a popular bike that means that's more people riding them and more people crashing them which is what the insurers also look at. I found this with my W800 as my first 'big' bike. Literally only one auto quote showed on a compare site for like 800 quid for the year. Rang up the insurer I was with on my last bike and they really seemed to struggle to figure what I was actually on about and I guess just had to use what they could find statistics wise and the quote for the year for them was like 375. This is coming from someone above the threshold for direct access to be clear as that age box will definately screw you over in a big way too but it was an eye opening experience getting a quote for the W800.
My car Citroen C3 Picasso (1600cc) insurance is twice as expensive as my bike Moto Guzzi California EV (1100cc) strange old world. Tanks for the videos stay safe.
As a new rider in 1978 I bought a used Suzuki GT550 for £800. I took out third party insurance only. I could not afford more than that. Today I'm 66 and have ridden in 46 years. The comprehensive insurance is now £220 per year for my SV650. I live in Denmark where the rate of motorcycle accidents is half the rate in the UK. Read the accident statistics and you will understand the insurance companies a bit better. Young hotheads crash more often than old fools. Often you can save money if the entire family uses the same insurance company.
Agree with everything you say! I'm getting old so it doesn't affect me, but it annoys the hell out of me in general, and specifically because it seems so unfair and is now a serious barrier to entry for people getting into biking, which has a negative effect for ALL of us!! It used to be that if you had an A2, after 2 years (I don't know if you had to be older than say 24 or not), it would just turn into an A licence. This is how a friend of mine progressed, she had a ZX250 for 2 years then just swapped it for a CBR600 (she was plenty older than 20something at the time, though! ;) :D ). This is how it used to be, and SHOULD be, IMO!
in my country there are 2 types of insurance. One is literally mandatory called "civil responsibility" otherwise you will not even get your license plates and it's not that expensive, second is voluntary and it's much much more expensive and it depends on your age, motorcycle, where you live, if you have garage, if you have any traffic tickets etc
Passed my test late in life, and bought a 20yr old bike, still got hit with £300 the first year, its come down since then but older bikes definitely get cheaper premiums, my daughters partner just got insured first year at 19 for £2.5K, I feel for him as he's using it for transport to/from work, so its a necessity.
I remember when I was 20 my £900 cost just under a grand to TPFT insure... the bike itself was only worth £1200 quid. It's not like you can build up NCB with TPonly, as they don't credit you. I will also add it's not any easier for car insurance these days.
I've found age plays a big part. I took a break from riding and lost my NCB, but I only pay £110 a year for my 750, currently with 1 year NCB, fully comp. £55 a month on the car with 3 years NCB. In my teens I never paid more than around £200 a year for bike insurance. Crazy that it's all gone up so much. Back then our licences did upgrade automatically - The good ol' days 😅
i'm 42, just passed my mod 2 so now have a full A licence and insurance is still insulting on 99% of bikes despite have 15 or so year NCB's in cars, insurance is a con in this country
I'm 33 years old and only just started riding. I got my CBT certificate about a month ago and decided to buy a GSX-R125 for £5000 (Had a £500 discount) so really it was £4500. But the cheapest insurance I could find was £2400 a year Full Comp. Considering 125cc motorbikes are aimed at new riders that are usually still very young, I think the prices are a complete scam! Both for a 125cc motorbike and especially insurance! Most young people cannot even afford such prices and all it does is turn off young people from wanting to ride a motorcycle. It's basically killing off the motorcycle scene, a long, slow death. I think 125cc motorbikes should be much cheaper which will attract more young people towards riding a motorcycle which helps the motorcycle community in the long term. But as for insurance, it's a con no matter what you ride.
Only just started the video but the consultation / advice that was going on was from the motorbike traders group as a proposal to the previous government, there was no take up within the realms of power. Alot of people think that the law is just going to be changed but they haven't even consulted within Goverment on it never mind done a white paper or public consultations on it. Even if they new Government wanted to do it, it's a bare minimum 5 years away. Sorry Ella :( Pete
I insured a 125 scooter first for a year and got my no claims then got my insurance on my gpx for 59 quid a month fully comp . No ncb and it was 168 a month fully comp
Im 33 passed my das in july, lowest i could get was 995 third party fire and theft and thats withouth pillion added! They wanted an extra 40 a month to add a pillion its crazy. Cant moan too much i guess as my younger brother pays almost twice that amount on a cbf125
Quotes are 1500 for Naked, 2000 for Sport for me annual third party theft, accident... 31yrs & CBT/L-Plates It's basically the same price as the bike lol I couldn't believe it
Better off doing direct access if u can and then u will have full license..... at which point different models of bikes, even if they're the same cc can vary massively. Something like a bandit 600 would be massively cheaper than say the gixer 600......start off cheap til u get some experience and ncd!
Unless something drastic has changed very recently this doesn't seem right, my first year with a CBT with a CB125R was £300 for the year. Assuming you have a full driving license anyway... (I was also 31 at the time)
Hasn’t this been the case forever?!? 22 years ago insuring my BMW Mini cost me £2400 a year! Now at 40 with a GS and Tiger £89 quid fully comp a year for both!
Bikes aren’t dangerous though. I put one in my kitchen for six months one winter and it never attacked me or my family. We are just more vulnerable on a bike. Insurance is crazy for young riders, my son paid 1,645 pounds for a Aprilia 660. He had been driving a car for 7 years. Love your vids.
They hate everyone not just the young. I want to come back to biking and the insurance might be a deal breaker. I dont have any no claims as i got rid of car and used car club for years. When i first lived in London I rode bikes for 4years. Means nothing. Im getting quoted half the value of the bike for fully comp. It may actually be worth it if i am really determined. To get a non runner insure it 3rd party cheap as possible shove it in a shed somewhere for a year. Have another look when i have a bit of no claims.
I would love for the A2 to go back to automatically derestricting, it was so much better as a system and I /just/ missed out on it when it changed and had to go the long way. Making people pay for the whole test twice, taking all that time out, is literally just a cash grab, and it wastes a bunch of examiner and instructor time which makes the queues longer. Two years, gain your experience, and then go for it was perfectly safe. I kinda agree about the CBTs needing the theory test though, but then at that point they'd probably just remove the CBTs altogether and just have the A1, and that's putting a cost barrier ahead of the youngest, poorest riders, so it's a tricky one to manage. The CBT does need to be safer, but it can't be at the expense of accessibility.
You make a good point there about the theory, I just remember road markings & hazard perception being an issue for another rider on my CBT day who didn't have any prior road experience. It felt like it would be a lot for them to learn over the course of 8 hours
It's tinted to the legal limit for day time use, so whatever that percentage is 😅 maybe it's just placebo, but I find it's a bit darker than the standard black tinted visor. I don't like using the drop down one either as the bottom of it distorts some of the road for me. I tend to be quite sensitive to light so this mirrored one is amazing for me, but it does scratch easily and of course needs to be swapped for a clear one at night 😊
i have a very weird one i went from having a cbt to doing my direct access (full license) whilst using a Chinese 125 insurance was like £350 bought a new bike changed to a R1100 gs (1100cc) and got refunded £25 when i changed bikes on my policy haha
This vid got me wanting to check how much itd be for me to insure a bike on my CBT. At 27, i was expecting it to be relatively low, but i was shocked. regardless of the bikes origin, it comes to around £300 (more in most cases). Genuinely shocking, but with a good year or two of learing the bigger bike license, hopefully NCD plus good road experience, itll go down. Still shocking though, god knows how expensive it wouldve been if i looked 10 years ago haha
I'm 23 on a cbt and have a 2020 yzfr 125 which costs around 1.3 a year with 1 year no claim. I'm hoping to upgrade to a full A licence after november sometime. Insurance is just a massive scam tbh they can charge what they want... 🙄
This year, Bikesure quoted me nearly £1000 for a year on my Royal Enfield Scram. I am 62, with 35 years riding experience and maximum no claims. I didn't go for it.
Getting old sucks but not getting bent over by insurance companies just about makes it worthwhile. The silly stepped licensing and pie in the sky insurance costs will pretty much stop the flow of young blood into the hobby.
I'm 39 and recently passed and got A licence and paying £420 on a suzuki bandit gsf 650 sa and tbh it's not much more then my car insurance but I've got 10+ years no claims with my car so motorcycle is alot cheaper
I guess you would call me a mature rider, i have a multi bike policy which did go up this year as well as my car insurance, i feel your pain as i was young once and paid over the odds, think it all goes on risk. The cost of riding a bike for young riders is crippling for sure and puts off new riders
I agree insurance is too high for younger riders, that's the wasteful society we now live in, scratch a plastic and bike is written off. As a 58 year old riding since 1995 insurance is around 300/year for a new 900cc. The A2 should be auto upgrade if insurance has been valid for two years and no more than 3 points on driving licence, otherwise a new test should be taken to ensure safety on the road.
That's actually incredibly cheap especially if you are new to being on 2 wheels i have a friend whose of similar age drives lorries for a living and when he got on 2 wheels this year he ended up paying £1100 third party only on a KTM RC125 which i find absurd
Similar but... i lost my entitlement when they went over to card licences. Had moved to a car/van and dint notice I didnt have full A class. Just doing it all again. I feel dumber for having to done the theory test. LOL its so so dumb! i failed first one with an appalling score. went home did the online one. similar results. I was getting 0 points on almost every one. In the end i found my reaction was just a mm in front of their 54321 scoring box ie i was to vigilant. Once i figured the simulation out went back and passed. but holy cow im being quoted half the value of a new bike fully comp!
I'm 36 and my Bandit 1250 cost 301 a year but also 119 tax, despite no claims going up this year i am quoted nearly double £580, Seems like they are jus ripping everyone off especially new and younger riders.
I really do feel for you 17/18 year olds just starting. Its crazy how Insurers dont have a price cap! When you take out new insurance try not to change any details but I had to inform them I am now FULL A and Bikesure the cheeky bleeps charged me £69 extra! 😡Like WTF?!! Thats an insurance on a 125cc as my daily workhorse. The CB500X was WAY cheaper to insure even with added extras! 😂😂 I know which route I will go now!
location can have a huge difference on premium. I live in Brighton, my premium was double that if I were to live in East Grinstead - all same details jsut change of location: double!! Also, the age of the bike will affect it quite a bit, as you mentioned. But yeah, you young'ns, get terribly shafted!
32 and my first year was £3500 😅 now 1 yr NCB and only 1 quote for £2500. Horrific scam, but is what it is. (I do high miles, mature student, pillion and new bike - so buggered). Told it gets better at 2 yrs NCB! 😬🙄 bloody better. No wonder why so few young bikers.
It's incredibly frustrating anyone who passed their driving test before 1990 (not sure of the actual year the test was introduced) can hop on a bike with no CBT or A licence, they just have a full licence, while we have had to fight, learn, gain experience, and spend sometimes thousands to pass a specific test for a bike, my mother who has hardly glanced at a motorcycle could hop on a H2 tomorrow. Compared to many older riders; we've had to go through an advanced riding course. Yet, because they're older; insurance premiums are lower. In this day and age it seems strange these insurance companies blatantly discriminate age and gender to make a profit, can we be sure they don't discriminate against sexuality and race too?
As someone who's just passed a CBT at 26 and cannot get a quote lower than 5k it's just demoralising. Side note are you based in Northamptonshire? Roads look familiar that you're on today!
@@TipToeBikers if I'd watched on a little further before commenting I'd of seen the Moulton college site you went past! Well all things well I'll find insurance and maybe see you around :)
When I was 17 you were talking 1k for car insurance and that was 30 years ago, it's always been the same. As you get older (generally) you are better at reading the road, even if you haven't been riding a bike for years. It's annoying but we've all been there... Sorry.
Please don’t hate me, I’m 54 and my insurance is £230/yr for my CBR1000RR. Ok post roast info, everyone should also be aware that you must not let motorcycle insurance lapse for more than 2 years or you’ll lose ALL no claims bonus. Some years ago I had a realisation that the people I was riding with encouraged me to be dangerously fast on the road. So I decided to ride only on track. I did so for 2 yrs then went back, boy was I shocked that I’d lost all my NCB and my insurance went from £320 for 2 bikes to £900 for 1.
Yea, I lost 20 years NCB by being off the road for over 3 years (family)... it was eye watering when I got back on and started again. The company I had previously been with for those 20 claim free years wouldn't touch me (cheers Carole).
To me it would make sense to pass A1 then be allowed to ride a A2 bike on L plates. Then pass A2 licence and be able to ride A bike on L plate. Cars should also have restricted engines. My first car was 2.8 V6 rich people can jump into 1000 bhp cars with only two simple tests. Cars are more dangerous to everyone else bar the occupants than bikes. getting run over by a bike would be less lethal than an SUV.
I have to say that day light robbery is real for uk bikers, I live in the channel islands and have unlimited riders policy which allows me to have as many bikes as i please up to 3000cc and i paid £390 a year full comp covering travel any where i please such as Europe and uk riding. Feel sorry you guys also have to do so many tests to get a unlimited licence, I only had to do a theory and practical test which i completed at the age of 17! I'm 37 and can really see the pain of young riders today as its a little ridiculous.
I'm with Swinton Insurance at the moment , but I'm going to move over to Bikesure as if you call them they will tailor the insurance around you and your buget. Or that's what I've been told anyway.
I've been with bikesure since I was 16 and always got the best quotes, currently pay around 160 a month for my R125 at 18, 2 years NCB. Which given what I've been seeing is fairly good
This may trigger some I do not meant it to be in support of the licence thing. But I do understand why they dont like people going straight from a 125 to say a R1 or BMW RR or even my slow H2sx se as a lot of young riders like to open the throttle ( I know I did ) and you find that a lot dont think about death in the same way as they are young and are going to life for ever or something like that ( I found a new prospective on life when I was 26 when my daughter was born, I wanted to make sure I was there for her ) Even as a biker I see riders on a 125 racing every were all in the wrong places pulling out on cars cutting them up etc. it makes it hard for the Gov that want to save the young lives and not stop the good riders like yourself. but I do agree that once you have 2 years riding and No claims then an auto licence upgrade it should be. let me take you back a lot of years to 1986 when a daft 19 your old passed his test been riding a 50cc for a year then a 100cc for 2years rode other bikes after the test to see what to have got himself a GPZ750 Turbo well this knob rode 140mph every place he could without a care in the world after a small crash ( a flat bed turned right as he was overtaking ) the insurance went up even higher which was £1000, ( that was a lot back then ) then got done for speeding of exes of 100mph in 1987 cote from the copper " I was doing 110mph and you was left me standing " even after court did stop him. 1988 got a GPZ1000 RX which wrapped it into a tractor doing the speed limit 60mph ( he had someone on the rear would let him go faster ) 3 months in traction 3 months in plaster 3 months learning to walk again. but the only thing that stopped him was when his friend died with the person on the rear going to fast around a corner and drifted on to on coming traffic. he was 21. the other 19. this knob then changed stopped riding for some years then slowly got back into it, first a Honda CB250 super dream lol blow that up. a Honda 650 night hawk in the attempt to ride but keep slow. then a ZZR1100 oh then to a dream bike of his ZX12R which he kept for 14 years, he had started to notice the speed and riding style was getting faster, so along with the fact his knees was killing him on the ZX12R got a slower bike a H2sx se. just to let you know were my comment is coming from. I wish you could put an old head on young shoulders but you cant so I see why they have made it very hard for young riders and I do feel for you
I also think they should scrap the MOD1 or just roll into MOD2. The CBT should cover what MOD1 does imo and if you aren't up to task then it's a fail. This would stop so many moped riders just taking the CBT every 2yrs when expired so they can carry on delivering and driving like 🔔ends on the roads
Not true. Fact is the twist and go brigade, followed but riders in the 24-35 age bracket account for the highest number of accidents on two wheels. That's what pushes the premiums up.
44 insurance with Hastings £500 for an "AT" called insurance adding better security dx1000 lock plus monimoto tracker insurance want more money £590 so I told them ok I'll remove tracker and the dx1000 lock stayed at £500 makes no sense better security pay more money insurance companies rip people off ..
Hilariously, i ran a quote for my dad's zx12 as if I had just passed my test next year. £1200 for the year... not too far from what I'm paying for my 250 now 😂
Just pass ur full test and switch companies. Mine was only £200 for the year im 34. Its really were u live, high crime area larger cost. Next is age Its just the way insurance has always been.
Put it this way, I'm 40 and having a midlife crisis, I did my DAS I few weeks ago went and got a honda cbr600rr no experience apart from 5 days in a limited sv650 naked, and my insurance for the year with Bennetts is only ,,,,,,,,,,,,,, can you guess,,,,,,,,,,,, £140 for the year, that's with every extra they offered and my voluntary at £0 and protected no claims! How crazy is that, a friend at work that's 25 has a 50cc moped and is paying £700 and no extras with voluntary excess of 300 and compulsory 250, how dose that work, plus on meerkat site I had 31 people wonting to give me cover he had 4, oh and his been riding for I think about 6 years! Crazy! I've got 19uear no claims on a car license but it shouldn't be related. Figure that one out! My bike is on my none existent RUclips page haha,
@@TipToeBikers sorry about that, I did a quote on a 2008 1000cc fireblade and it was 180 for the year and a new cbr600rr 2024 was 200ish. I don't get it all all, 🤷🏻
Yes insurance companies are scum but it’s a easy out to simply label them as u fair and thieves. 1. Higher risks demographics pay more and f actors include age, experience, history, bike type, where and how it’s stored and used. It is reasonable to make higher risk customers pay more. What isn’t fair is current prices given the massive profit margins these companies have. 2. Let’s be honest. The riding community is full of dickheads and lately it has become popular on social media to post up stupidly dangerous riding or compilations thereof. Worse is that rather than other riders calling this out as ego driven, immature, disrespectful unskilled riding many applaud it…the same riders or their fans no doubt then whine about insurance costs. 3. A 15K bike is more likely to sustain serious damage or be a total right off than the same priced car in a “minor” accident. Thefts of bikes per unit, especially certain types/mantles/models is far greater than cars. Blame the thieves. It also Balme riders that can’t be assed using adequate preventative measures that make it far too easy. 4. My second eldest just got their first bike. I just registered it a my bike, insured it with me as the owner and put her down as a nominated rider. They then pay me the rego and insurance and if they bin it they pay the excess. When older I’ll transfer it across to them fully. But yeah, insurers are scum.
The insurance also depends on the style too for a Yamaha yzfr125 will be more than a pizza scooter bike. I’ve got my a2 atm on a KTM 390 insurance is 600 with 4 years no claims at 21. Looking at doing my A in a couple of months time for a 22yr old with 5yr no claims I got quoted £1500 on a Suzuki GSXS750 for 2k miles. I got suggested to take an advanced riders course so there’s a suggestion…. And to call MCN and Bennett’s directly. I do also have a car so it’s just a bullet I’m going to have to bite I think if I want both. Ineed the car for long distances/ getting to work dry but the bikes nice to chill out on and get through traffic in 15mins not 50 🤷
I'm in the US; Kentucky more specifically. Most specifically, I'm on my couch typing this. We don't have levels of motorcycle licenses. There is just one; the "M" on your driver's license. In my state, we can take a written test about the law as it pertains to motorcycles to get a learner's permit. With that you're not supposed to ride with a pillion or at night but nobody ever checks. You can keep renewing the permit if you want for as long as you want. There is no bike restriction for the permit or the actual "M" on your license. So, yeah, an H2 can be your first bike if you want. To get your license, you can take a safety class by the Motorcycle Safety Foundation (MSF). It is three days, kind of. The first day is a Friday afternoon where you take a school room class and talk about laws and answer questions. The second day is start of the actual riding class. They put you on a smaller displacement bike (500cc cruiser like the HD Street 500). You learn in a parking lot for a day and a half. Then the second half of the third day (Sunday), you take a "skills" test. After passing, you get a paper that you take to the Department of Motor Vehicles (DMV) and they give you the "M" rating. That's it. You're done. As for insurance, I'm 51 and have had a GSXR 600 and currently ride a 2023 Indian Scout Bobber. The Bobber is about $450 (337 Pounds) a YEAR. The GSXR was about the same but I stopped riding that because I got old. Have fun and be safe. (sorry for the long post)
You realise you have these things called dads? They insure with you as a named. Then when you hit forty and he’s seventy the roles reverse and the parents go on yours.
@@TipToeBikers NCD is useless till your in your 30’s. Admiral, Adrian Flux a few others allow you to cover named on policy but still build their own NCD. Only problem is your dad gets in a wreck your kinda buggered 😂 ‘fronting’! Who’s going to prove you ride the bike more than your dad? #goodluck
The UK has by far the worst route to a full motorcycle lisence. Its incredibly expensive before you even get to buying the bike. The CBT is trashed by people doing it on 50cc mopeds then jumping straight onto 125s so they'll add the theory too it next increasing the cost further
here is my thinking on this Insurance: I believe the government should offer young people annual insurance for a reasonable fee say £500. However there should be a stipulation that if a claim is made against you and upheld then that claim should be settled but then your cheap insurance policy should be cancelled and you should no longer be eligible for the government insurance scheme. I would also apply the same rules if you are convicted of a significant road traffic offence, speeding, jumping red lights etc.. maybe 6 points perhaps. A2 to A: My opinion on this is that A2 licence holders should be automatically upgraded to A without the need for a retest providing they have not been convicted of any significant road traffic offences whilst holding their A2 licence Just my thoughts/opinion on the matter :)
I like the Australian system where the rego (bit like our MOT) also gives you government subsidised 3rd party insurance. Not that it would ever be considered here 😢
![Seungmin "그렇게, 천천히, 우리(As we are)" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/kAzmhLHePqU/mqdefault.jpg)
Insurance companies disregard customers regardless of age
The government here wants us off the roads as for insurance its not fair to the young riders out on the road
And exactly who told you life was fair 🤷🏻♂️
@@kevindarkstar no one Kevin
@@theadventuresofbellatheenf4627 exactly 😜
@kevindarkstar what's it got to do with you anyway Kevin nothing
@@theadventuresofbellatheenf4627 you made a comment, I simply responded to it, I believe that is the point of the 'comments' section 😂
My daughter’s insurance on her new Kawasaki z125 was £800 for the year full comp. She is 22 and had full car license for 5 years with full no claims. She plans to keep the 125 for two years then do her direct access.
I completely agree with you the license should automatically upgrade after 2 years if you have an A2. I passed my test on my 125 and was restricted to 33bhp for two years and then was auto upgraded to full A license.
I don’t know when you’re talking about how much you pay if it’s full comp or third party only.
The only thing I can suggest to make insurance even slightly affordable for a 17/18 year old is to buy the cheapest reliable 125 available and insure it 3rd party only. Buy a really really good lock to avoid theft (lite lock) remember if accident is someone else’s fault it will be their insurance that pays so the third party part in that case is irrelevant. You will still build up no claims on third party insurance as long as you don’t need to claim.
I get your anger, feel free to vent anytime 👍
Mine is third party fire and theft, when I did the example quotes for the r7 I tried all types, and no-one wanted to insure me 😂
My Daughter is 19 & has a Honda CB125F on L plates, her insurance is £366. T, FT.
When I was in my 20's I thought one of the perks getting older would be lower premiums. What a mug I was. Full no claims on my car 2 years no claims on my bike. I'm still getting cained.
Because it's a complete con 🤷🏻♂️
I’m so glad I passed my test in 1982, I’d hate to have to do all that jumping through hoops for the test these days. And as for the insurance! They just want to stop people riding
I've been saying that for a couple of years 🤷🏻♂️
@@kevindarkstar I believe we had the last of the good times for riding, none of the myriad of devices to catch us speeding, not that I do😈 and reasonably priced insurance and access to some great bikes
@@Theshybiker very true
Ive Just passed my a2 and ive been looking at a new bike since my prior has been written off due to an accident but i got quoted 26-35k a year for any bike bigger than a 125 even 180 road legal pit bikes.
@@claxxfied that's scandalous
Have you tried Hastings, they give good prices
I'm 59 got 2 Triumphs and a scooter. The scooter is stealable so 400 a year full Ncd garaged makes big difference and location.
Insurance is a big rip off car insurance as well.
Enjoying the videos 😊
Got my first bike in 2020 at 26 - a cb125f and insured for £900ish. My 650 cost me around £800 with 1 yr NCB after passing my A license. Its currently somewhere around £500 annually.
I'm 45 and a new rider on a CBT. I have a Honda CB125R brand new. I pay £515 for the year on insurance. I live in SW England. It sounds like I've been quite fortunate compared to many in the comments.
In New Zealand, there's the Basic handling skills test, a one or two hour thing to make sure you can work the bikes controls, do some slow speed manoeuvres etc, and once you'e passed that you can sit the theory test for a Learner license, which allows up to 660cc and 47hp , but you can't have a passenger of ride between 10pm and 5am , after 6 months you can sit the practical test for the Restricted license, which... well it's no Different really, the same restrictions apply.
and then a year after that you can sit another practical test for the full License with no restrictions (there are age restrictions before you can sit a license too) and doing a Bronze, Silver or Gold "Ride for life" course (in this order) can halve the time you have to wait before you go for the next license.
If I have to wait the full amount of time, it would be January before I can get my next license... But Nah I want it for Christmas time. So I'm going to do one or two of them before December starts!
And on Insurance... Well I've had my full drivers license since before you were born, so while I'm not old, I'm no spring chicken either, Surprisingly, insurance for a 250cc Adventure bike as a new rider, is about twice what I pay for the car insurance with many years claim free. and the bike is insured for more than the car.
Really interesting hearing the different licence paths, that one seems more confusing than the UK one but that might just be because I'm used to ours 😂
First time i got my 125 scooter insured, lexham insurance charged me 2k for a years policy cover. But since i made claims, my insurance is going to up in price regardless whether i get the cheapest chinese bike or not.
Luckily my First 125 was 700 a year, but that was over 10 years ago, i do want to get back on a bike and im dreading looking for insurance
The cost of insurance repairs and payouts is at an all time high. The costs incurred by accidents with uninsured drivers is also at an all time high. Crash for cash is up. Pothole damage claims are huge...
EVs are a big cause of the cost increases. Any damage to the vehicles battery housing is an instant write off. Parts prices shot up during Covid.
The biggest increase is in profits and shareholder dividends. Every industry is at it, stripping us of income for the benefit of the shareholders.
It’s little wonder that less and less younger people are getting into biking. I passed my bike test at 17 in the late 80’s and could ride anything I could afford straight away. Im 53 now and never had a claim in my life and now own and ride 5 bikes all on seperate policies. I can insure a Hayabusa for less than £200 per year! Really feel for young people trying to get into biking now.
I do feel you though, after two years I was auto upgraded. Two weeks after my A2 bought a GSXR 750, every time I was pulled they’d ask how long I’d been riding (lie mode engaged) ‘couple of years officer’…
I can not believe how much the insurance is for younger riders. It's shockingly expensive. Im 49, and my Tracer 900 2017 is £174 a year. If i had to pay that each month, i think i would call it a day. Love your videos. Ride safe❤😊
I paid 320 a month prior to my bike being written off
Best place to get bike insurance is a bike show. Birmingham or London, they give it away. I went from 1100 to 300.
I didn't know that, that's really interesting!
I'm 20, have an A2 for a year, worked for a motorcycle company so they paid for an ERS course too and I get 0 quotes back on near enough any bike. What a scam, it used to be £3-6k last year. This year I'm just straight up refused.
That's the most annoying thing I think. Literally getting refused quotes on bikes that are within my licence brackets. Like these bikes have been designed for A2 riders in mind 😅
I’m so glad I’m old now 52 years young Kawasaki 1400 GTR £380 a year. Been riding 24 years and advanced living in sticks of North Yorkshire
The other big factor is the actual bike statistics from what I can gather. If you buy a popular bike that means that's more people riding them and more people crashing them which is what the insurers also look at. I found this with my W800 as my first 'big' bike. Literally only one auto quote showed on a compare site for like 800 quid for the year. Rang up the insurer I was with on my last bike and they really seemed to struggle to figure what I was actually on about and I guess just had to use what they could find statistics wise and the quote for the year for them was like 375. This is coming from someone above the threshold for direct access to be clear as that age box will definately screw you over in a big way too but it was an eye opening experience getting a quote for the W800.
My car Citroen C3 Picasso (1600cc) insurance is twice as expensive as my bike Moto Guzzi California EV (1100cc) strange old world. Tanks for the videos stay safe.
As a new rider in 1978 I bought a used Suzuki GT550 for £800. I took out third party insurance only. I could not afford more than that. Today I'm 66 and have ridden in 46 years. The comprehensive insurance is now £220 per year for my SV650. I live in Denmark where the rate of motorcycle accidents is half the rate in the UK. Read the accident statistics and you will understand the insurance companies a bit better. Young hotheads crash more often than old fools. Often you can save money if the entire family uses the same insurance company.
Agree with everything you say! I'm getting old so it doesn't affect me, but it annoys the hell out of me in general, and specifically because it seems so unfair and is now a serious barrier to entry for people getting into biking, which has a negative effect for ALL of us!! It used to be that if you had an A2, after 2 years (I don't know if you had to be older than say 24 or not), it would just turn into an A licence. This is how a friend of mine progressed, she had a ZX250 for 2 years then just swapped it for a CBR600 (she was plenty older than 20something at the time, though! ;) :D ). This is how it used to be, and SHOULD be, IMO!
in my country there are 2 types of insurance. One is literally mandatory called "civil responsibility" otherwise you will not even get your license plates and it's not that expensive, second is voluntary and it's much much more expensive and it depends on your age, motorcycle, where you live, if you have garage, if you have any traffic tickets etc
We just have mandatory 😅
Passed my test late in life, and bought a 20yr old bike, still got hit with £300 the first year, its come down since then but older bikes definitely get cheaper premiums, my daughters partner just got insured first year at 19 for £2.5K, I feel for him as he's using it for transport to/from work, so its a necessity.
I remember when I was 20 my £900 cost just under a grand to TPFT insure... the bike itself was only worth £1200 quid. It's not like you can build up NCB with TPonly, as they don't credit you. I will also add it's not any easier for car insurance these days.
I've found age plays a big part. I took a break from riding and lost my NCB, but I only pay £110 a year for my 750, currently with 1 year NCB, fully comp. £55 a month on the car with 3 years NCB. In my teens I never paid more than around £200 a year for bike insurance. Crazy that it's all gone up so much. Back then our licences did upgrade automatically - The good ol' days 😅
i'm 42, just passed my mod 2 so now have a full A licence and insurance is still insulting on 99% of bikes despite have 15 or so year NCB's in cars, insurance is a con in this country
Makes me wonder how all these low paid, high risk couriers can afford it.
Yeah I don't even want to know what business insurance is like 😅
They all game the system and use someone else’s identity. If they crash they just don’t declare anything and buy a new one.
I'm 33 years old and only just started riding. I got my CBT certificate about a month ago and decided to buy a GSX-R125 for £5000 (Had a £500 discount) so really it was £4500. But the cheapest insurance I could find was £2400 a year Full Comp. Considering 125cc motorbikes are aimed at new riders that are usually still very young, I think the prices are a complete scam! Both for a 125cc motorbike and especially insurance! Most young people cannot even afford such prices and all it does is turn off young people from wanting to ride a motorcycle. It's basically killing off the motorcycle scene, a long, slow death. I think 125cc motorbikes should be much cheaper which will attract more young people towards riding a motorcycle which helps the motorcycle community in the long term. But as for insurance, it's a con no matter what you ride.
Only just started the video but the consultation / advice that was going on was from the motorbike traders group as a proposal to the previous government, there was no take up within the realms of power. Alot of people think that the law is just going to be changed but they haven't even consulted within Goverment on it never mind done a white paper or public consultations on it. Even if they new Government wanted to do it, it's a bare minimum 5 years away.
Sorry Ella :(
Pete
Yeah its definitely not going to be a quick change is it 🫤
Got 20 years plus no claims mines went up on car and motor bike
I got 25+ on the car and 6 on the bike, both still went up.
I insured a 125 scooter first for a year and got my no claims then got my insurance on my gpx for 59 quid a month fully comp . No ncb and it was 168 a month fully comp
I'm 31, just got my A licence via DAS 2 weeks ago and lowest quote I got for cb650R was £950 fully comp. I feel for you younger riders :(
Im 33 passed my das in july, lowest i could get was 995 third party fire and theft and thats withouth pillion added! They wanted an extra 40 a month to add a pillion its crazy. Cant moan too much i guess as my younger brother pays almost twice that amount on a cbf125
Damn that's decent, I noticed a HUGE drop once you get your A licence. Mine on a CBT @37 would be £1400 but on a full A its more like half that.
Quotes are 1500 for Naked, 2000 for Sport for me annual third party theft, accident...
31yrs & CBT/L-Plates
It's basically the same price as the bike lol I couldn't believe it
And unfortunately that's pretty decent
@@TipToeBikers 😭😭😭😭😭
Better off doing direct access if u can and then u will have full license..... at which point different models of bikes, even if they're the same cc can vary massively. Something like a bandit 600 would be massively cheaper than say the gixer 600......start off cheap til u get some experience and ncd!
@@iainbaker2742 Appreciate it Iain
Unless something drastic has changed very recently this doesn't seem right, my first year with a CBT with a CB125R was £300 for the year. Assuming you have a full driving license anyway... (I was also 31 at the time)
Hasn’t this been the case forever?!? 22 years ago insuring my BMW Mini cost me £2400 a year! Now at 40 with a GS and Tiger £89 quid fully comp a year for both!
Bikes aren’t dangerous though. I put one in my kitchen for six months one winter and it never attacked me or my family. We are just more vulnerable on a bike. Insurance is crazy for young riders, my son paid 1,645 pounds for a Aprilia 660. He had been driving a car for 7 years. Love your vids.
Bahahaha I love that 😂😂 yes I'm yet to be spontaneously attacked by my bike too, so weird
Been quoted 3.1k a year for a yamaha yzf r125 and that's third party insurance only
Good luck with that 😅
@@TipToeBikers 😂😂
dafuq!
that is pretty insane.
I pay £130 yearly to cover a CBR900RR and a R1250RT😮
I got a quote for a Honda dual sport for $200 a year.
They hate everyone not just the young. I want to come back to biking and the insurance might be a deal breaker. I dont have any no claims as i got rid of car and used car club for years. When i first lived in London I rode bikes for 4years. Means nothing. Im getting quoted half the value of the bike for fully comp. It may actually be worth it if i am really determined. To get a non runner insure it 3rd party cheap as possible shove it in a shed somewhere for a year. Have another look when i have a bit of no claims.
im 44,my insurance cost me £1300 🤬 i'm a new rider on cbt,i have a brand new 2024 yzfr125.
im 32 and my insurance is £219 a month on my KTM Duke 890
£1600 a year tpft for 68 plate r3 19yr male 1 yr ncd
just passed car and insurance comes back at around 3000 for a cheap astra 😂
I would love for the A2 to go back to automatically derestricting, it was so much better as a system and I /just/ missed out on it when it changed and had to go the long way. Making people pay for the whole test twice, taking all that time out, is literally just a cash grab, and it wastes a bunch of examiner and instructor time which makes the queues longer. Two years, gain your experience, and then go for it was perfectly safe.
I kinda agree about the CBTs needing the theory test though, but then at that point they'd probably just remove the CBTs altogether and just have the A1, and that's putting a cost barrier ahead of the youngest, poorest riders, so it's a tricky one to manage. The CBT does need to be safer, but it can't be at the expense of accessibility.
You make a good point there about the theory, I just remember road markings & hazard perception being an issue for another rider on my CBT day who didn't have any prior road experience. It felt like it would be a lot for them to learn over the course of 8 hours
My Daughter has a Honda CB125F on L plates & her insurance is £366. T,FT.
That's the same bike my brother had, that's a great insurance quote
Is the view out of that visor somewhat clear or is it darker like looking out of a 5% limo/20% tint
It's tinted to the legal limit for day time use, so whatever that percentage is 😅 maybe it's just placebo, but I find it's a bit darker than the standard black tinted visor. I don't like using the drop down one either as the bottom of it distorts some of the road for me. I tend to be quite sensitive to light so this mirrored one is amazing for me, but it does scratch easily and of course needs to be swapped for a clear one at night 😊
i have a very weird one i went from having a cbt to doing my direct access (full license) whilst using a Chinese 125 insurance was like £350 bought a new bike changed to a R1100 gs (1100cc) and got refunded £25 when i changed bikes on my policy haha
Damn refunded, must have been nice 😂
This vid got me wanting to check how much itd be for me to insure a bike on my CBT. At 27, i was expecting it to be relatively low, but i was shocked. regardless of the bikes origin, it comes to around £300 (more in most cases). Genuinely shocking, but with a good year or two of learing the bigger bike license, hopefully NCD plus good road experience, itll go down. Still shocking though, god knows how expensive it wouldve been if i looked 10 years ago haha
I feel quite lucky mines £100 per year on a cb300r, in my 40s with 5 years NCD. Good video 👍
Nice quote that!
I'm 23 on a cbt and have a 2020 yzfr 125 which costs around 1.3 a year with 1 year no claim. I'm hoping to upgrade to a full A licence after november sometime. Insurance is just a massive scam tbh they can charge what they want... 🙄
Will be interesting to see what your A licence quotes are 😅
@@TipToeBikers It sure will, i did some test ones a while ago and they were a few hundred more so we will see 👀
My favourite game is seeing what insurance is like for different bikes 😂😂
@@TipToeBikers Its good fun until you get the quotes 🤣
😂😂
The most dangerous part of a motorcycle is the nut which connects the seat to the handlebars. Scientific fact for ye!
😂
This year, Bikesure quoted me nearly £1000 for a year on my Royal Enfield Scram. I am 62, with 35 years riding experience and maximum no claims. I didn't go for it.
Try Swinton ins. My 92 Gixxer costs me £105 a year. I'm 56 and like you, have been riding for 36 of those years.
@@TriggerRidesEverything I went with Hastings, which was around £200. I have to have business insurance as I have more than one workplace.
I only pay £100 and been riding for 5 years or so. Aged 60. Bikesure were just trying it on.
Getting old sucks but not getting bent over by insurance companies just about makes it worthwhile. The silly stepped licensing and pie in the sky insurance costs will pretty much stop the flow of young blood into the hobby.
I'm 39 and recently passed and got A licence and paying £420 on a suzuki bandit gsf 650 sa and tbh it's not much more then my car insurance but I've got 10+ years no claims with my car so motorcycle is alot cheaper
I guess you would call me a mature rider, i have a multi bike policy which did go up this year as well as my car insurance, i feel your pain as i was young once and paid over the odds, think it all goes on risk. The cost of riding a bike for young riders is crippling for sure and puts off new riders
I agree insurance is too high for younger riders, that's the wasteful society we now live in, scratch a plastic and bike is written off. As a 58 year old riding since 1995 insurance is around 300/year for a new 900cc. The A2 should be auto upgrade if insurance has been valid for two years and no more than 3 points on driving licence, otherwise a new test should be taken to ensure safety on the road.
Yes I like that licence idea, good way of encouraging young riders to stay safe too which might actually help the insurance issue 😅
I'm almost 47 and just started riding on the road, I'm paying about 33 quid a month for my 125.
That's actually incredibly cheap especially if you are new to being on 2 wheels i have a friend whose of similar age drives lorries for a living and when he got on 2 wheels this year he ended up paying £1100 third party only on a KTM RC125 which i find absurd
I feel sorry for all young riders crazy prices for insurance. I’m 56 past my test at 20 and I’m £80 a year fully comp for my 2002 Suzuki Bandit
Similar but... i lost my entitlement when they went over to card licences. Had moved to a car/van and dint notice I didnt have full A class. Just doing it all again. I feel dumber for having to done the theory test. LOL its so so dumb! i failed first one with an appalling score. went home did the online one. similar results. I was getting 0 points on almost every one. In the end i found my reaction was just a mm in front of their 54321 scoring box ie i was to vigilant. Once i figured the simulation out went back and passed.
but holy cow im being quoted half the value of a new bike fully comp!
Mine was the same, silly money on my CBR650R but managed to get it down to £1100 after taking off commuting (was £1700 with commuting)
Yeah commuting can really affect it
I'm 36 and my Bandit 1250 cost 301 a year but also 119 tax, despite no claims going up this year i am quoted nearly double £580, Seems like they are jus ripping everyone off especially new and younger riders.
I really do feel for you 17/18 year olds just starting. Its crazy how Insurers dont have a price cap! When you take out new insurance try not to change any details but I had to inform them I am now FULL A and Bikesure the cheeky bleeps charged me £69 extra! 😡Like WTF?!! Thats an insurance on a 125cc as my daily workhorse. The CB500X was WAY cheaper to insure even with added extras! 😂😂 I know which route I will go now!
Charging extra for a full licence is so backwards 😂
location can have a huge difference on premium. I live in Brighton, my premium was double that if I were to live in East Grinstead - all same details jsut change of location: double!!
Also, the age of the bike will affect it quite a bit, as you mentioned.
But yeah, you young'ns, get terribly shafted!
Yes my location definitely helps me out, city centre prices are atrocious
32 and my first year was £3500 😅 now 1 yr NCB and only 1 quote for £2500. Horrific scam, but is what it is. (I do high miles, mature student, pillion and new bike - so buggered). Told it gets better at 2 yrs NCB! 😬🙄 bloody better. No wonder why so few young bikers.
That's the thing, it gets better but got to get through the first years to do that 😂
It's incredibly frustrating anyone who passed their driving test before 1990 (not sure of the actual year the test was introduced) can hop on a bike with no CBT or A licence, they just have a full licence, while we have had to fight, learn, gain experience, and spend sometimes thousands to pass a specific test for a bike, my mother who has hardly glanced at a motorcycle could hop on a H2 tomorrow.
Compared to many older riders; we've had to go through an advanced riding course.
Yet, because they're older; insurance premiums are lower.
In this day and age it seems strange these insurance companies blatantly discriminate age and gender to make a profit, can we be sure they don't discriminate against sexuality and race too?
As someone who's just passed a CBT at 26 and cannot get a quote lower than 5k it's just demoralising.
Side note are you based in Northamptonshire? Roads look familiar that you're on today!
Yep Northants, this was round near Kimbolton :)
@@TipToeBikers if I'd watched on a little further before commenting I'd of seen the Moulton college site you went past!
Well all things well I'll find insurance and maybe see you around :)
If you're on insta, I post on my story when I'm planning on going to a bike meet / event :) @tiptoebikers on there too
When I was 17 you were talking 1k for car insurance and that was 30 years ago, it's always been the same. As you get older (generally) you are better at reading the road, even if you haven't been riding a bike for years.
It's annoying but we've all been there... Sorry.
Please don’t hate me, I’m 54 and my insurance is £230/yr for my CBR1000RR. Ok post roast info, everyone should also be aware that you must not let motorcycle insurance lapse for more than 2 years or you’ll lose ALL no claims bonus. Some years ago I had a realisation that the people I was riding with encouraged me to be dangerously fast on the road. So I decided to ride only on track. I did so for 2 yrs then went back, boy was I shocked that I’d lost all my NCB and my insurance went from £320 for 2 bikes to £900 for 1.
Yea, I lost 20 years NCB by being off the road for over 3 years (family)... it was eye watering when I got back on and started again. The company I had previously been with for those 20 claim free years wouldn't touch me (cheers Carole).
That's good to know
im paying 216 a month. For an MT-03 at 19, A 300C. i just want a sports bike man 😂
You'll get there 😅
To me it would make sense to pass A1 then be allowed to ride a A2 bike on L plates.
Then pass A2 licence and be able to ride A bike on L plate.
Cars should also have restricted engines.
My first car was 2.8 V6
rich people can jump into 1000 bhp cars with only two simple tests.
Cars are more dangerous to everyone else bar the occupants than bikes.
getting run over by a bike would be less lethal than an SUV.
I hadn't thought about that licence idea - interesting. Also very good point about the cars
@@TipToeBikers it’s also apparently good to get quotes 30 days prior to start date as they tend to be lower as they know you aren’t desperate
Yes I heard 21 days
I have to say that day light robbery is real for uk bikers, I live in the channel islands and have unlimited riders policy which allows me to have as many bikes as i please up to 3000cc and i paid £390 a year full comp covering travel any where i please such as Europe and uk riding. Feel sorry you guys also have to do so many tests to get a unlimited licence, I only had to do a theory and practical test which i completed at the age of 17! I'm 37 and can really see the pain of young riders today as its a little ridiculous.
don't worry they hate old bikers as well, a 350 more than twice as much as a car
I'm with Swinton Insurance at the moment , but I'm going to move over to Bikesure as if you call them they will tailor the insurance around you and your buget. Or that's what I've been told anyway.
I've been with bikesure since I was 16 and always got the best quotes, currently pay around 160 a month for my R125 at 18, 2 years NCB. Which given what I've been seeing is fairly good
@TiptoeBikers your clutch lever looks a little loose.
Yeah I noticed that whilst I was editing, will take a look at it :)
Insurance is a rip off now. My Insurance goes up £100 pound a year.
🥲
This may trigger some I do not meant it to be in support of the licence thing. But I do understand why they dont like people going straight from a 125 to say a R1 or BMW RR or even my slow H2sx se as a lot of young riders like to open the throttle ( I know I did ) and you find that a lot dont think about death in the same way as they are young and are going to life for ever or something like that ( I found a new prospective on life when I was 26 when my daughter was born, I wanted to make sure I was there for her )
Even as a biker I see riders on a 125 racing every were all in the wrong places pulling out on cars cutting them up etc. it makes it hard for the Gov that want to save the young lives and not stop the good riders like yourself. but I do agree that once you have 2 years riding and No claims then an auto licence upgrade it should be.
let me take you back a lot of years to 1986 when a daft 19 your old passed his test been riding a 50cc for a year then a 100cc for 2years rode other bikes after the test to see what to have got himself a GPZ750 Turbo well this knob rode 140mph every place he could without a care in the world after a small crash ( a flat bed turned right as he was overtaking ) the insurance went up even higher which was £1000, ( that was a lot back then ) then got done for speeding of exes of 100mph in 1987 cote from the copper " I was doing 110mph and you was left me standing "
even after court did stop him. 1988 got a GPZ1000 RX which wrapped it into a tractor doing the speed limit 60mph ( he had someone on the rear would let him go faster ) 3 months in traction 3 months in plaster 3 months learning to walk again. but the only thing that stopped him was when his friend died with the person on the rear going to fast around a corner and drifted on to on coming traffic. he was 21. the other 19. this knob then changed stopped riding for some years then slowly got back into it, first a Honda CB250 super dream lol blow that up. a Honda 650 night hawk in the attempt to ride but keep slow. then a ZZR1100 oh then to a dream bike of his ZX12R which he kept for 14 years, he had started to notice the speed and riding style was getting faster, so along with the fact his knees was killing him on the ZX12R got a slower bike a H2sx se.
just to let you know were my comment is coming from. I wish you could put an old head on young shoulders but you cant so I see why they have made it very hard for young riders and I do feel for you
Thanks for sharing your story! Yeah tbh I agree with the staggered licencing, I just don't think it's done in the right way
I pay 80 pounds a year for my goldwing, I'd hate to start out now,
A YEAR?!
@@TipToeBikersgone up from 68 pounds, I had my own motorcycle training school many years ago and hold advanced rider qualifications,
I also think they should scrap the MOD1 or just roll into MOD2. The CBT should cover what MOD1 does imo and if you aren't up to task then it's a fail. This would stop so many moped riders just taking the CBT every 2yrs when expired so they can carry on delivering and driving like 🔔ends on the roads
I think part of the 'proposal' is combining the two tests into one, although I could be wrong
Not true. Fact is the twist and go brigade, followed but riders in the 24-35 age bracket account for the highest number of accidents on two wheels. That's what pushes the premiums up.
Older, not a load of experience, defo cheaper
🥲
44 insurance with Hastings £500 for an "AT" called insurance adding better security dx1000 lock plus monimoto tracker insurance want more money £590 so I told them ok I'll remove tracker and the dx1000 lock stayed at £500 makes no sense better security pay more money insurance companies rip people off ..
I hear the hayabusa is surprisingly cheap to insure, as it's classed as a sport touring bike :v
Hilariously, i ran a quote for my dad's zx12 as if I had just passed my test next year. £1200 for the year... not too far from what I'm paying for my 250 now 😂
Just pass ur full test and switch companies. Mine was only £200 for the year im 34. Its really were u live, high crime area larger cost. Next is age Its just the way insurance has always been.
I have done my full test 😆
Put it this way, I'm 40 and having a midlife crisis, I did my DAS I few weeks ago went and got a honda cbr600rr no experience apart from 5 days in a limited sv650 naked, and my insurance for the year with Bennetts is only ,,,,,,,,,,,,,, can you guess,,,,,,,,,,,, £140 for the year, that's with every extra they offered and my voluntary at £0 and protected no claims! How crazy is that, a friend at work that's 25 has a 50cc moped and is paying £700 and no extras with voluntary excess of 300 and compulsory 250, how dose that work, plus on meerkat site I had 31 people wonting to give me cover he had 4, oh and his been riding for I think about 6 years! Crazy! I've got 19uear no claims on a car license but it shouldn't be related. Figure that one out! My bike is on my none existent RUclips page haha,
Yeah I don't think car transfers to bike which is annoying. Your quote has made me thoroughly annoyed, well done 😂
@@TipToeBikers sorry about that, I did a quote on a 2008 1000cc fireblade and it was 180 for the year and a new cbr600rr 2024 was 200ish. I don't get it all all, 🤷🏻
You've hit a jackpot 😂
@@TipToeBikers I'm just old
😂😂
Yes insurance companies are scum but it’s a easy out to simply label them as u fair and thieves.
1. Higher risks demographics pay more and f actors include age, experience, history, bike type, where and how it’s stored and used. It is reasonable to make higher risk customers pay more. What isn’t fair is current prices given the massive profit margins these companies have.
2. Let’s be honest. The riding community is full of dickheads and lately it has become popular on social media to post up stupidly dangerous riding or compilations thereof. Worse is that rather than other riders calling this out as ego driven, immature, disrespectful unskilled riding many applaud it…the same riders or their fans no doubt then whine about insurance costs.
3. A 15K bike is more likely to sustain serious damage or be a total right off than the same priced car in a “minor” accident. Thefts of bikes per unit, especially certain types/mantles/models is far greater than cars. Blame the thieves. It also Balme riders that can’t be assed using adequate preventative measures that make it far too easy.
4. My second eldest just got their first bike. I just registered it a my bike, insured it with me as the owner and put her down as a nominated rider. They then pay me the rego and insurance and if they bin it they pay the excess. When older I’ll transfer it across to them fully.
But yeah, insurers are scum.
No they don’t, just don’t get a popular little bike.
Check out Freddie dobbs on subject of insurance
The insurance also depends on the style too for a Yamaha yzfr125 will be more than a pizza scooter bike. I’ve got my a2 atm on a KTM 390 insurance is 600 with 4 years no claims at 21. Looking at doing my A in a couple of months time for a 22yr old with 5yr no claims I got quoted £1500 on a Suzuki GSXS750 for 2k miles. I got suggested to take an advanced riders course so there’s a suggestion…. And to call MCN and Bennett’s directly. I do also have a car so it’s just a bullet I’m going to have to bite I think if I want both. Ineed the car for long distances/ getting to work dry but the bikes nice to chill out on and get through traffic in 15mins not 50 🤷
Yes certain advanced rider courses do help, I'll be looking into doing some next summer I reckon
@@TipToeBikers how old are you 🤔
22
I'm in the US; Kentucky more specifically. Most specifically, I'm on my couch typing this. We don't have levels of motorcycle licenses. There is just one; the "M" on your driver's license. In my state, we can take a written test about the law as it pertains to motorcycles to get a learner's permit. With that you're not supposed to ride with a pillion or at night but nobody ever checks. You can keep renewing the permit if you want for as long as you want. There is no bike restriction for the permit or the actual "M" on your license. So, yeah, an H2 can be your first bike if you want. To get your license, you can take a safety class by the Motorcycle Safety Foundation (MSF). It is three days, kind of. The first day is a Friday afternoon where you take a school room class and talk about laws and answer questions. The second day is start of the actual riding class. They put you on a smaller displacement bike (500cc cruiser like the HD Street 500). You learn in a parking lot for a day and a half. Then the second half of the third day (Sunday), you take a "skills" test. After passing, you get a paper that you take to the Department of Motor Vehicles (DMV) and they give you the "M" rating. That's it. You're done. As for insurance, I'm 51 and have had a GSXR 600 and currently ride a 2023 Indian Scout Bobber. The Bobber is about $450 (337 Pounds) a YEAR. The GSXR was about the same but I stopped riding that because I got old. Have fun and be safe. (sorry for the long post)
Never apologise for the long comments! :) Seems like a mix between our CBT level and mod 1 tests... just without any restrictions 😅
You realise you have these things called dads? They insure with you as a named. Then when you hit forty and he’s seventy the roles reverse and the parents go on yours.
Aside from the fact that that's fronting, I.e. insurance fraud 😅, that also wouldn't let young drivers & riders build up NCD
@@TipToeBikers NCD is useless till your in your 30’s. Admiral, Adrian Flux a few others allow you to cover named on policy but still build their own NCD. Only problem is your dad gets in a wreck your kinda buggered 😂 ‘fronting’! Who’s going to prove you ride the bike more than your dad? #goodluck
The UK has by far the worst route to a full motorcycle lisence. Its incredibly expensive before you even get to buying the bike.
The CBT is trashed by people doing it on 50cc mopeds then jumping straight onto 125s so they'll add the theory too it next increasing the cost further
here is my thinking on this
Insurance:
I believe the government should offer young people annual insurance for a reasonable fee say £500.
However there should be a stipulation that if a claim is made against you and upheld then that claim should be settled but then your cheap insurance policy should be cancelled and you should no longer be eligible for the government insurance scheme.
I would also apply the same rules if you are convicted of a significant road traffic offence, speeding, jumping red lights etc.. maybe 6 points perhaps.
A2 to A:
My opinion on this is that A2 licence holders should be automatically upgraded to A without the need for a retest providing they have not been convicted of any significant road traffic offences whilst holding their A2 licence
Just my thoughts/opinion on the matter :)
Love that A2 upgrade idea. If you can prove you can ride well for 2 years, what is the point of going back and doing beginner tests
I like the Australian system where the rego (bit like our MOT) also gives you government subsidised 3rd party insurance. Not that it would ever be considered here 😢
You think the government will help? Where have you been and how can I get there?
@@loftyintentions1985 I said it wouldn’t happen here. The UK is regressing to a third world socialist dump.