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Your Questions About Motorbike Insurance

February 14, 2013

Sandy asks…

Must motorbike hot grips be declared as a modification or are they just an accesory?

I am picking up my new motorbike today and have my insurance policy running however, I have hot grips fitted to my bike which are not declared as a modification however I have added a £75 accessory value to account for them. Must they be declared as a modification or is it fine branding them as an Accessory. Thanks.

Administrator answers:

Im going to buy a bike with hot grips on them and in all honesty theres no point declaring this I would understand a new exhaust system but grips would not increase performance etc. Its fine saying there an assessory as thats what they are! Seriously enjoy the bike and dont tell the insurance everything lol

Thomas asks…

What would be the cheapest motorbike to insure for 18year old?

I’m looking for a model or type of motorbike that is reasonable for insurance purposes for my 18yr old daughter who has just passed her bike test. She has a full car licence to and has had no claims but insurance seems VERY high for any motorbikes i’ve looked at. Any advise would be welcome.
She has had a 50cc scooter for a year and a car for 7 months. no claims on either insurance polices. she is looking for a 125cc or a 250cc bike.

Administrator answers:

If she has taken the Motorcycle Safety course, be sure to mention that when pricing insurance. If she hasn’t, she really should – taking the course can decrease her chance of an accident by 20% or more in the first year.

You don’t mention what country/state you are in, but insurance rates vary greatly depending on where you are – as much as what you ride. We moved 15 miles down the road, and had our insurance drop by $20 a month on one bike – strange.

I currently have insurance for various machines through Geico, Progressive, Farmers, and a special one for our vintage bikes. The reason I’m dealing with so many companies is because one is cheap for certain models and expensive for others, etc.

Unfortunately, none of the insurance companies will tell you which models are cheapest to insure – or what they use as determining factors.

Although everyone feels that sportbikes are more expensive to insure than cruisers, a sportbike with a built-in alarm system can be cheaper than a cruiser without one.

Also, a machine that breaks lots of parts when it tips over is usually more expensive to insure… All the weird little things you’d never think of!

That said – it sounds like your daughter is mainly looking for basic transportation, something that will run at highway speeds, but not really for long distance travels?

Here’s a list of models that fit that situation:

New 2006 small bikes:

Honda Rebel 250 – twin cylinder – cruiser style
Honda Nighthawk 250 – twin cylinder – standard style
Kawasaki Eliminator 125 – cruiser style
Kawasaki Ninja 250 – single cylinder – sportbike style
Suzuki GZ250 – single cylinder – standard style
Suzuki Boulevard S40 (650cc) – twin cylinder – cruiser style
Yamaha Virago 250 – twin cylinder – cruiser style
Yamaha XT225 – single cylinder – on-off road style
BMW F650CS – single cylinder – on-off road style

Used models that are great machines, easy to ride and usually relatively cheap on insurance:

Honda Hawk 600 – sport style
Suzuki SV650 – standard/sport style
Yamaha SRX250 – sport style
BMW F650CS – on-off road style

I’m not mentioning scooters – yes there are many larger displacement scooters now available, but there are reasons why they just don’t usually suit the American way of living as well as a full-size street bike.

All of the models I’ve listed will be in the range of the least possible insurance costs. Some models are more expensive, but come with alarm systems and safety features which usually reduce insurance costs (like the BMW).

What I’d recommend is to have your daughter go around to all your local bike dealers and sit on these models. Even if she’s absolutely not going to buy a new one, just do it to get a good feel for what is comfortable.

If possible, she really should take a few for a short test ride. This is hugely important if she is a smaller rider.

Once you’ve narrowed it down to a few models, take the list into your insurance company and ask them for quotes.

Sorry this was so long – hope it helps!

Helen asks…

How can i register a motorbike with no frame number?

I’ve just bought a stolen/recovered motorbike. It’s a DR125 which has been used on the fields. I would like to get it back on the road. I have bought a new engine for the bike which has engine numbers, however the frame numbers have been removed. I got a full receipt with the bike when i purchased it. Is there anyway of re-registering the bike??

Administrator answers:

Most are right on here, although i would have thought the vehicle inspector would know a little more lol.

If you apply to DVLA with no frame numbers they issue a ‘q’ plate registration which is completely legal etc and you can mot it no probs.

BUT

If you go to DVLA and ask for a copy of V5 which costs you £25 you will get the original frame number off the document. You can then have the frame restamped and vic checked by vosa. Just because a frame number has been removed doesnt mean it cant be re stamped.

I know this from numerous times we have cut off headstocks and such for rake reworks and restamped the frame in another place as guided by vosa.

The only problem is why the frame number is gone in the first place, either stolen or more likely an insurance write off and the assessor has removed the frame number before salvage rights have been given. Do a HPi check it will tell you. You may find its a cat b or cat A write off so you cant use back on the road anyway. Cat A must be crushed, Cat B can be used for parts only. Cat C and D are the only catergories allowed back on the road (cat c needs a vic test if car not if motorcycle)

Good luck

William asks…

How difficult is it to travel around south east asia on a motorbike?

I will be traveling around vietnam, Laos, Cambodia, Thailand and Malaysia etc, and I want to buy a motorbike in Vietnam for that. Would there be many technicalities to have to deal with? How difficult is it to get a vehicle across the borders? How much would a cheap bike cost me in Vietnam?

Administrator answers:

Buy lots of insurance

Ruth asks…

what is the best motorbike to learn on and what kind of prices am I looking at first&second hand?

I’d like a manual shift to learn on. I’m 26yrs old ( guessing lower insurance ) In the U.K what companys offer the best deals.
Can you recomend any good suppliers jackets, boots, security etc.
either online or local suppliers to the westmidlands?
I have looked online myself, but I’m not clued up for the best deal – whats your personal experience.

Administrator answers:

First of all, you would have to taken a motorcycle class. Most of these ckasses offer 250cc bike which the learner can be aquiented with. As for apperel, I would recomend Dennis Kirk. They have a wed site http://www.denniskirk.com/jsp/common/Frontpage.jsp

Good Luck

Michael asks…

What is the penalty for driving without insurance on a motorbike, as i feel it was a genuine oversight?

I was stopped because of a broken rear light and as it happens my insurance had expired about 4 days before.
I wasn’t aware that the insurance expired , i thought it was at the end of the month. I didn’t receive any reminder because i had forgotten to change address with the insurance company, which was completely my fault.

This is a genuine oversight on my part, but I’m not sure if they’ll look at previous incident i had with my cousins car when i was a teenager about 7 years ago, i got caught driving without insurance. Probably one of the stupidest things i have done but i learned from it, but the court may not look at it like that.

Should i get a solicitor and does anyone know how much they cost?

Will i be suspended from driving?

Administrator answers:

Often if you obtain insurance before the court date the judge will reduce the penalty (or eliminate it just making you pay the court costs). Getting a lawyer for minor traffic offenses usually isn’t worth the money . (unless you really have a terrible record)

Susan asks…

What do i need to carry when riding motorbike in europe?

I know when driving car or van i need to carry warning triangle, hi-vis, bulbs, log book, insurance, licence, spare glasses in places but what about on motorcycle?
I presume i need to carry insurance, licence and log book but any of the other stuff?

Administrator answers:

Keys and helmet ;-)

Away from the sarcasm – I would advise you always take a spare key (either taped to the bike somewhere well hidden) or in the partners bag, tent, etc.

I spent hours trying to find the keys to my RD500 in Luxembourg many years ago!

Otherwise your document list looks about right to me.

Have fun.

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