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Motorcycle insurance: Superbikes vs super nakeds

Earlier this year MCN put the Yamaha MT-10 and Suzuki GSX-R1000 up against their slightly fancier siblings, the MT-10 SP and GSX-R1000R.

Neevesy found that there wasn't really much difference, despite a price difference of several thousand pounds between the models, and came to the conclusion the fancy models weren't actually worth the extra outlay. But what about when it comes to insurance?

We headed to MCN Compare to see if there was much difference between the two models. The below prices are for a 40-year-old manager with eight years NCB, covering between 3000-3999 miles a year

Yamaha MT-10: £134.15 fully comp

Yamaha MT-10 SP: £149.13 fully comp

The fancy MT-10 SP is just £15 more expensive than the basic MT-10 over an entire year.

Suzuki GSX-R1000: £468.53 fully comp

Suzuki GSX-R1000R: £498.51 fully comp

A slightly larger difference of around £30, but still not much.

The results, however, did raise an interesting question. Are superbikes worth it? 

Looking at the figures above, you pay a premium of almost £350 for a sportsbike over a super naked. And that's the MT-10 SP - an absolutely mad super naked that wants to wheelie everywhere!

So, how does the bog standard MT-10 match up against its superbike cousin, the R1?

Yamaha MT-10: £134.15 fully comp

Yamaha R1: £447.24 fully comp

Again, a whopping £300 difference between the models. That's quite a difference, and if it was me, I'd opt for the super naked every time. Super nakeds like the MT-10 are much more fun on the road and infinitely more versatile.

If, however, you want compare our 2017 super naked of the year, the Aprilia Tuono V4 1100 Factory to the RSV4 Factory, prices are a little closer.

Aprilia Tuono V4 1100 Factory: £271.91 fully comp

Aprilia RSV4 Factory: £394.25 fully comp

Have a browse for your next bike on MCN Bikes For Sale website or use the MCN's Bikes For Sale App.

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