You have to get fire and theft
If I do and my bike is stolen then after I pay my premium and excess I have lost 90% of the value of the bike straight away. I'm not exagerating. If my bike is stolen I technically will have £150 to get a replacement and that's if their valuation is the same as mine.
Any conviction, claims etc
None. I've had a full car driving license for 4 years with 4 years no claims. No convictions, motoring related or otherwise. The area I live in is pretty safe. I'm 21 so obviously age has a factor.
Modifications
I haven't even mentioned that if I list the bike's modfications to the insurers then they won't insure me full stop.
Have you tried fully comp?
Yes I have and the lowest quote I got was £10,000. And no, I'm not kidding.
If you're on 3rd party only, you don't claim
Of course you do. If I crash and it's my fault and my insurers pay out, that's a claim. If I crash and it's someone elses fault and my insurers have fought my case, that's a claim. If I crash and the liability is contested, that's a claim. Dur.
Edit: Qba, I just tried Express insurance and the cheapest I got was £1151 with total excess of £700
