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Jun 12

Posts: 2

ChrisFilter says:

Is bike insurance really this much?!

Hello all,

Quick insurance question for you.

I'm booked in for my CBT in a couple of weeks and will be getting myself a Honda CBF125 for my 20 mile round-trip London commute. I've just been looking at insurance quotes and the cheapest I'm seeing is about £450 for the year. 

I'm 30, hold a car licence and have for 12 years, have nothing dodgy on my record. The bike will be secured with a ground anchor in my 'drive' (more like a bit in front of a hedge in front of my house) in a slightly ropey postcode.

Does my quote sound fairly typical for a125cc on a CBT/provisional bike licence? That's with a £350 excess and for TPFT only.

It seems flipping enormous given my car insurance costs less for fully comp, but hey ho!

Many thanks for your input.


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  • Posted 3 years ago (11 June 2012 18:24)

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Apr 08

Posts: 3042

AdieR says:

Car insurance

and bike insurance are usually considered separately for NCB purposes (a speed camera conviction will bang both up...).

That said, bikes are far more easily nicked than a car, small bikes are most vulnerable to theft (light weight so easy to lift with a couple of well built blokes and a van) and are seldom seen again, plus small ones are easier to sell on to any naive 16 / 17 year olds (bigger bikes get broken for parts).

The more security you can get, the better (a BikeTrac tracking system may help, £300 fitted and £100 annual subscription if memory serves), if you can do it, a limited mileage may take it down as well.

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Jun 12

Posts: 2

ChrisFilter says:


Thanks, Adie. Appreciate the response.

I can only assume it's a postcode thing. A friend of mine with near identical circumstances is £300-odd compared to my £450-odd. And he's a mile away as the crow flies.

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Aug 08

Posts: 340

BadD0g says:


Sounds mostly down to post code and risk of theft to me :/

Think my first 125cc insurance was £220 fully comp if I remember correctly - it was kept just in the back garden, but the area wasn't too bad!

As AdieR says - the more security the better, and let your insurance company know about it - you might find your premium will come down :)

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Oct 10

Posts: 180

flookyk says:

The post code

has a lot to do with it.

A friend of mine has just bought a 1500 Goldwing around Manchester area and with 2 yr NCD his insurance was £355.

He put in the same details but with my post code and it came back with £132.

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Jan 11

Posts: 267

cairnsie13 says:

Its with

it being parked on a drive too. I imagine itll be alot less garaged.

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