October 29th, 2008 by The Rider

50cc Scooter, insurance?

Hi, I have just passed my CBT for a 50cc scooter and hold a provisional licence for the UK. I am 16 and passed the CBT on 24th August. I am looking to buy a 49/50cc scooter but I have found that the insurance is extremeley expensive. I have looked around and filled in quotes from comparethemarket.com and the Post Office but the insurance I want (third party fire and theft) always seems to come out at around £300 a year! I know that some people pay only £50 a year for their 50cc insurance. Does anyone know where to get a better deal? Or does anyone have any tips?

TOP TIPS ON MAKING YOUR INSURANCE CHEAPER!
1-have it locked in a garage (putting it down the ally way counts )
2-used branded locks (ie oxford) insurance companies recognize these
3- Go to a Motorcycle specialist insurance, Car insurance’s have no idea
4-alarm fitted is worth it, most new bikes come with standard immobilizer so don’t forget to mention it
5- Low millage , some insurances ask you how many miles you intend to do yearly, go low. (NB if you go drastically over you millage your polcy may be voided) -inside tip when they ask for your current millage just add a few thousand shhhh.

now £50 you will not get unless your excess is £10,000

i insured my HONDA CBR125 for £450 (TPFT) and its a supersport so its high in the insurance ranking

If you got the funds go fully comp. If not be happy to spend £200-£300 on 3rd party fire and theft and ride safely, i will warn you 90% of motorcyclists come off in the first 6months.

LASTLY BUT NO LEAST: when you get your insurance sit down however long it takes (1-4hours). Go though your insurance very carefully read it all make sure you know the terms. ie your bike may not be insured between 11pm-6am if it is not located in the garage etc. CHECK that they provide legal cover i opted for no legal cover luckily it wasn’t my fault so a solicitor sorted it for me, but i would recommend the £25 pounds extra.

28-01-10 – Honda CB900F Day 1