Bandit Alley
GENERAL MOTORCYCLE FORUMS => GENERAL MOTORCYCLE => Topic started by: Seanybiker on May 17, 2006, 10:26:50 PM
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Im living in Ireland and the insurance over here for bikes is mental.
How does it work in the States,(since most of ye come from the states)
OVer here. we get the provisional 125 license when 16
Then when 18 you can get provisional 250 license (more or less means you cant drive anything over 33bhpso 250 sounds about right to me)
Then you do the driving test. Pass that after 3 times (he he) then you have to have the bike restricted for the first 2 years of full licencse. (he he yeah right)
So for me now. I got 4 years NCB(no claims bonus) and I'm 23 , I am being quoted just over €1400 for my insurance, thats third party only.
Thats about roughly $1800-$2000 me thinks.
I heard somewhere before that once ye get insured in the states you can drive anything. OVer here we can only drive the bike we paid the insurance on.
Now with the information I gave you ie: me age and that, how much roughly would I be paying for insurance over there.
Tis just outta curiosity. I bet ye pay feck all compared to us poor Paddies.
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We do have classes of licences but they are not that specific. My motorcycle license covers any motorcycle. We have different classes of other vehicles depending on weight or size but a class C will cover any passenger vehicle up to a 15 passenger van.
You do have to pay insurance for each vehicle you own. I pay $63 per month on my car and $125 per year on my bike. I only have limited liability which means I only cover the damage I do to another vehicle in case of an accident and is the bare minimum required by law.
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I have heard of other countries that do the same thing for motorcycles. I was paying a little over $500 a year for full coverage in Texas. I don't know what the rules are for motorcycles in Korea.
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My bike has long been paid for and I just carry liability ins.It cost me $80.per yr. So if I wreck it,I fix it. Dan
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80 a year. jaysus thats nothing. Im moving to the states feck that.
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IIRC :wink: , I pay about $63 for the 1200 through Progressive for a year; liability only. Paid cash for the bike used. If it's wrecked or stolen...
I buy another one! :grin:
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It depends on the state... I pay $750/year for liability and underinsured motorist (e.g. if other guy is at fault and doesn't have coverage). Full coverage would be about 2500 bucks with 1000 dollar dedictible. I paid 3K for the bike. So if I don't wreck it in one year I am already better off with liability only. And Bandit is not the most stolen bike in Brooklyn, NY. I hope. :)
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It depends on the state... I pay $750/year for liability and underinsured motorist (e.g. if other guy is at fault and doesn't have coverage). Full coverage would be about 2500 bucks with 1000 dollar dedictible. I paid 3K for the bike. So if I don't wreck it in one year I am already better off with liability only. And Bandit is not the most stolen bike in Brooklyn, NY. I hope. :)
I PAY ABOUT $348.00 A YEAR FOR LIABILITY, UNINSURED MOTORIST, AND COMPREHENSIVE....
THAT MEANS THAT I AM COVERED IF I DAMAGE SOMEONE ELSE'S VEHICLE AND I AM COVERED IF MY BIKE IS STOLEN OR VANDALIZED, BUT NO COLLISION COVERAGE ON MY BIKE.....
SO, IF THE ACCIDENT IS MY FAULT, THEN I PAY FOR MY BIKE, AND THE INSURANCE PAYS FOR THE DAMAGE TO THE OTHER PERSON'S VEHICLE.....
OUR LICENSE IS SIMILAR FOR THE 16 TO 18 YEAR OLDS, YOU MUST TAKE A MOTORCYCLE SAFETY COURSE AND THE LICENSE COVERS ALL BIKES, BUT IF YOU ARE 21, YOU CAN GET YOUR LICENSE RIGHT AWAY AND RIDE ANY MOTORCYCLE.....
ALSO, IT VARIES FROM STATE TO STATE, BUT THE INFORMATION THAT I GAVE YOU IS FOR MARYLAND.....
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I had never had a street bike befor I bought the 1200. I rode it with out a motor cycle endorsment for about 6 months no insurance at the time either [yes, I know better]. I went to the Louisiana DMV did a 25 question test on the computer[finished test at 20] and took a silly driving test. Go forward, stop, go forward make a U-turn and stop, go forward make a figure eight and stop. Great , here's your licsence. Have a nice day.
Rode to the Progressive insurance office handed them a check for $300 and I'm fully covered for a year. Keep in mind that I'm 41 years old too. That 23 year old part is costing you dearly. My brother was 25 when he bought his R1 something like $2000 a year for him.
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As a 60 year-old (40 years on motorcycles) I pay about $40USD for liability on the Bandit and $300USD for full coverage on a 2003 FZ1 -- if I had bought an R1 it would have been $2,800USD.
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My insurance is $500 a year full coverage.
I remember my first motorcycle license test at the DMV in 1976.
DMV guy says "Go down this street and go thru all 5 gears. Turn left at the first intersection. Go to the next corner and turn left. Go to the next corner and turn left. Go to the next corner, turn left, and come back here to a stop. Ooooh. Hard.
Renewal test I took 15 years ago was also ridiculous. They had 15 cones randomly strewn around the parking lot, and the testor tells me to do left/right maneuvers around the cones... but in a completely random, non-sequential way. "Go left around that cone, than go right around that cone, then left around that cone..." etc etc.
There was no order to the cones he picked, they weren't numbered, and there was no arrows painted or anything. I was able to remember the first 8 or so maneuvers, but then I forgot the sequence after that. He looked at me like I was an idiot. Finally the third time I was able to remember his random order and pass the test.
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In Quebec, I get full insurance for 280.00 on a 2002 B6, but the registration is a killer at 320.00 (CDN, of course) per year. The Motor Vehicle is hinting at demanding that motorcyclists also will have to pay for a separate license for driving a bike. Right now it's a class addition to a car license. That means they want to ding you for $ whether or not you actually own a bike or not.
They've gone completely psycho.
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:shock: in Pa.my motorcycle reg. is $26.
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I paid $680 a year for my old cruiser but that went up to $960 a year with my 2006 Bandit. I'm 46 and have a clean driving record but I do wear an earring and I have a ponytail.
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Must be the pony tail. How does your insurance and registration cost break down in Ontario? Our registration is high because it includes provincial personal liability insurance. The bike itself is insured privately. Maybe we should just lump it here in Quebec. I was trying to sell my bandit, not because of the increase, but there are now 9000 bikes for sale in the lespac.com classifieds.... That's just for Quebec. Needless to say, I haven't had many calls.
Maybe it's all the rain we've been having. I left Vancouver 18 years ago to get away from the rain. I think we're into our 3rd straight week of rain every day.
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Our reg. here in Ontario is basically nothing - $70 a year, I think...I was thinking they should go public with the insurance but I, too, lived in BC for a time, and the so-called 'cheaper' government insurance was exactly double the ontario rate at that time!
Somebody is getting rich somewhere but it ain't me! :crybaby:
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Here in NZ I pay $660 nzd for full comprehensive insurance. This is on a 2006 Honda CB 1300. Comprehensive insurance covers me for everything. If I am hit by another motorvehicle insured or not, if I hit another motorvehicle or even if I just fall off, my bike will be fixed back to new standard. Included is full replacement value if bike is stolen.
Here in NZ you can start the licence process off at the age of 15. First you go to a motorcycle school and obtain a handling certificate then answer a number of multi-choice questions before being given a learner licence. This allows you to ride up to a 250cc motorcycle. 12 months later or if over 25yrs (and hold a car licence) 6 months later you can go for a practical handling test with a testing officer and if successful you can challange another practical test 6 months later for a full licence. At this stage you can now ride any size motorcylce you like.
:motorsmile: :motorsmile:
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The province of Alberta just put in a system of graduated licencing about 3 years ago. If you're starting off on a bike, you're limited to ~250cc, can't be out on the bike after sunset, can't carry a passenger, can't have ANY moving violation tickets OR any alcohol related convictions. After, I believe, 2 years, you can then take the full test and if you pass you can then drive any size bike you want. If you have ANY convictions during the 2 year probation period, the 2 year clock starts all over again.
For my '06 B12S, third party and comprehensive (fire & theft) but NO collision coverage (if it's my fault, I fix my bike) the cost is C$700 per year (~US$600). I'm over 25 (way over, actually) with a clean record over the last 2 years or more and no accident claims in that same period.
Cowtown is considered a "high accident risk" zone by all the insurance companies so we city dwellers pay proportionally more than a guy the same age with the same record and the same bike who lives in a small town out in the boonies.
I certainly agree with the graduated licencing thing. There's NO way some 16 year old should be able to walk into a dealer and drive out on a new Gixxer 1000 or a 'Busa just because his parents said he could have whatever bike he wanted for a grad present. That's just dumb.....and it hurts ALL motorcyclists when the dumbass stuffs himself into the side of a city bus while attempting some stunt he saw on TV. The upside to such an ocurrence is that he's removed himself from the gene pool, albeit in a messy and public fashion..... :wink: