We’ve researched insurance costs for the most popular middleweight adventure bikes on MCN Compare to bring you the cheapest five models to insure. MCN Compare brings together top insurance brokers to make sure you aren’t paying over the odds to insure your bike. Here are the top five insurance bargains…
Born as the baby to the BMW R1150GS, the BMW F650 has a long and credible pedigree, including a string of variants. The BMW F650 has off-road pretentions but, in the real world, is a sturdy and sensible road motorcycle (the BMW F650 Dakar’s the one for the green lanes), it deals with most situations with predictable power and confidence.
Quote: £74.20 Total Excess: £550 Model quoted: 2000 (value £1595)
Triumph’s Tiger 800 is the slightly more basic, more road-orientated and novice-friendly version of its three cylinder dual-purpose machines. The engine is an absolute gem, taken from the more-than-capable Daytona 675 with the stroke lengthened to take it to 799cc.
Quote: £79.77 Total Excess: £650 Model Quoted: 2010 (value £5195)
BMW's new F800GS is virtually unique: a 750/800 class adventure bike, that to most degrees offers the best of both worlds. It’s light, slim and perky enough to be a credible off-roader yet it’s also substantial, grunty, roomy and potentially sufficiently well equipped to tackle crossing continents.
Quote: £84.74 Total Excess: £550 Model Quoted: 2008 (value £4295)
Riding the NC for any length of time reveals a bike that handles sweetly, brakes more than adequately, is comfortable, tackles scabby back roads well and, with the addition of the DCT gearbox, is easy to ride and super economical in terms of fuel use. There’s a lot to like. If, however, you want a bike that will be the sort of machine you will always give a second glance to as you walk away, or spend time looking at and aching to ride, then the NC is not going to be the one for you.
Quote: £98.24 Total Excess: £500 Model Quoted: 2014 (value £4950)
The combination of 21-inch wire front wheel (in place of the 800’s cast 19incher), longer travel (by 40mm) 45mm forks (the 800’s are 43mm) and slightly wider (by 32mm), higher, wider and further back bars (by using different bars and risers) make the XC seem like a much more ‘full-size’, macho and full-on, proper, adventure bike where the 800 is the more novice-friendly middleweight.
Quote: £137.39 Total Excess: £600 Model Quoted: 2015 (value £8799)
All quotes shown are for a fictitious 45-year-old retail manager from East Yorkshire who has been riding since 1997 and has five years no-claims bonus. Quotes are for comprehensive cover for social, domestic and pleasure use only with an annual mileage of 3000-3999 miles. The bike is stored in a locked garage and protected by an approved chain and Datatag marking kit. Prices sourced in July 2015. The only changes made between searches are to the identity of the bike and its value.
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