Insurance, again...

Carole Nash being used for comparison purposes:

ZX9R and ZX12R - both are £563 TPFT for me... but the ZX9R is coming
out at over £1200 fully comp, and the ZX12R is coming in at a mere
£791?

Is the ZX9R that much more of an accident risk than the ZX12R?

ZZR1100... nigh on £900 FC, £293 TPFT... one of these *surely* isn't
statistically more of an accident risk than the ZX12R??? I appreciate
the brakes are probably a bit lacking by comparison, mind...

R1 and Blackbird - same prices as a ZX9R at £1223 fully comp and £563
TPFT, yet wouldn't have thought a Blackbird was significantly more of
a risk than a ZX12R or in the same risk league as an R1?

Thunderace - £744 FC, £293 TPFT - this one is the worst one, as the
price seems to change on a weekly basis!

Fazer 1000 - £933 FC, £364 TPFT

Fireblade 918 - £1223 FC, £389 TPFT

And finally... VFR800FI - £326 FC, £204 TPFT - it's not *that* bloody
slow, it has plenty of plastic to break if you drop it, yet it's
nearly half the price of a same year, same value CBR600 which rolls in
at £599 FC and which I know for a fact is no quicker off the mark and
has less outright top end.

It can't even be to do with insurance companies favouring linked
brakes, else the Blackbird would be a lot cheaper to insure than an
R1?

Bring back the old Norwich Union 'CIHAGM' Rider policy - like a lot of
things in my life at the turn of the 1990s, this was a lot simpler
than the apparent insurance minefield I've stumbled into this evening,

I don't give a shit about the cost... I'm just intrigued as to what
statistics / logic they're using when pricing up bike policies today.

'Sensible polices for a happier Britain' please, if anyone from the
bike insurance industry happens to be reading this.

TIA

 

Bloody hell. I pay around £380 FC for the Blade and the Blackbird
combined!

 

Logic? Insurance companies? Shirley you jest!

We can but hope.

 

Jesus - £400 fully comp for all of my bikes. Are you a 17 year old with
a DD ban living in Liverpool?

--
Krusty
www.MuddyStuff.co.uk
Off-Road Classifieds

'02 MV Senna '03 Tiger 955i '96 Tiger '79 Fantic Hiro 250

 

I'd imagine they're very logical - from the POV of reducing work,
reducing risk and increasing income. Making money is, after all, their
primary purpose.

 

Based on statistics and risk modelling I'd imagine. Less to do with the
machines and more to do with the type of person who crashes each type of
bike. More high risk hoodlums buy ZX9Rs than ZX12R. ZZR1100s probably
bought by born agains after a sensible, big bike.

My CN multibike policy has CIHAGM cover and its modern bike rather than
classic (the Turbo counts a modern).

 

35, full licence for eight years but never kept a bike long enough
(i.e: always used to sell and have a sabbatical for a few months), to
warrant getting a full years insurance and some no claims under my
belt.

One SP30 four years ago, one debatable 'meeting of minds' in the car
in 2005 that cost £800.

Point is, litre class stuff seems to have gone up a hell of a lot in
the last few months when I've had quotes, whereas the VFR has remained
relatively cheap by comparison given what you're getting for your
money in terms of poke / plastics etc.

 

Possibly... although I wouldn't think the Blackbird was considered
either.

Ah, but all bikes are declared? That was the beauty of the old NU
rider policy - anything went up to your designated CC level, no need
to declare what it was.

 

You don't live in the 'affluent' (or should that be 'effluent') South
East though... which may have something to do with it.

Actually, give me a postcode of somewhere considered half reasonable
in whippet country, and I'll do a comparative quote.

 

I have no NCB at the mo though... plus IIRC you smell ever so slightly
more of wee than me.

 

Indeed... and I suspect you're more familiarised with this 'logic'
that I, given your propensity to change one of the fleet on a regular
basis.

 

Ah, that should be your first task then. Buy the cheapest POS you can
find that's registered, & use it as an insurance mule to keep your
policy going all year, every year.

--
Krusty
www.MuddyStuff.co.uk
Off-Road Classifieds

'02 MV Senna '03 Tiger 955i '96 Tiger '79 Fantic Hiro 250

 

True, 44 this November :-/

 

Pretty good, who with?

 

But like Status Quo, still rocking eh? (1) :

(1) How's the midlife guitaring crisis going?

 

Aye, well I've no intention of not being without a bike any more...
not unless some toerag thieves it or I finally have that big lob I'm
long overdue.

Good call, anyway - I want a C90 with grubby legshields for true old
skool pikey authenticity ;-)

"Paging TOG"

 

That's another reason why I get quoted so high - bike is declared as
left on the drive.

 

My 2 month old GSXR1000 is only 350 quid fully comp I'm starting
to like this getting old lark.