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Insurance for 400cc?

  • 30-07-2007 5:32pm
    #1
    ringo74
    Closed Accounts Posts: 4 ✭


    Hello All,
    I'm currently riding a YBR125 on a provisional licence. I'm 32 and insured by Aon with a 1yr NCB.
    I've been looking at Honda CB400 Super Fours for the leap up to a bigger bike.
    Can anyone advise me on how much I should be paying to insure such a bike, and what restrictor I might need.

    Thanks in advance

    PS. Have been waiting six months for a full bike test date...any others out there getting impatient?!


Comments

  • #2
    murphaph
    Registered Users, Registered Users 2 Posts: 19,031 ✭✭✭✭murphaph


    Hey Ringo. No point asking us about premiums as there is no rhyme nor reason to them mate! You only have 3 companies to call to find out though! Aon, Carole Nash and Quinn Direct.

    As for restrictors, I'm not sure. Check out the power to weight ratio first-it might not need one.

    As for your test, where are you located? anywhere near Dublin? If so-call driver testing in Ballina and change to the Raheny test centre and you'll have a date in under 6 weeks.

    Best of luck!


  • #3
    ringo74
    Closed Accounts Posts: 4 ✭ringo74


    Thanks for the advice...will try my luck in Raheny
    Cheers!


  • #4
    Thinkingaboutit
    Registered Users, Registered Users 2 Posts: 2,216 ✭✭✭Thinkingaboutit


    I never bothered with restrictors, though of the insurers you are with the one which can occasionally ask for a restriction cert in case of claim. No else cares about it. I certainly don't. My bike has power that is a multiple of the restriction yet is (3yr NCB) validly taxed and insured. 100 yoyos restrictor on and off if some insurer asked, though I doubt it. Building up the NCB is most important. You should be insurable, though perhaps paying twice as much, at least, and perhaps some might be reluctant insurers with only a year's NCB. One would best not mention the restriction as the power is c. 55 bhp. Insurance is variable from person to person dependant on circumstances. A 55 bhp cruiser would generally be cheaper, Harley Davidsons excepted. How much do you pay now?


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