[BigPonse]

First things first . I just want to say hi to everyone since this is my first post. Basically I tried to get a quote on a bike to see what I might have to pay.

Bike Model: Suzuki gs 500 e
CC:500
Is it Restricted: Yes
Is the Quote for a specific region: e.g.: Waterford
What age are you: 19
License: Provisional A
Full Comp, Third Party or Third Party Fire & Theft: TP
No Claims Bonus: None
Extra's: Breakdown cover etc: None
Insurance Company Name & Amount of Quote: Quinn

Basically they said they wouldn't quote me at all since im under 21. So I asked would having done an assessment during my IBT and got a grade 4 with Quinn not make any difference and he said no none at all. Am I looking at completely wrong bikes or something here? I will call Aon tomorrow just to see if they will quote me(their online yoke wouldn't).

This post has been edited by BigPonse: 07 February 2012 - 06:50 PM

[Pagan]

Is it not illegal to not quote you? I thought they had to give you a quote. Ull be looking at well over 1,000 Id say even if they do quote you...Insurance market here is a fcuking joke. I had to pay €1200 on a 125 marauder 8 years ago when I was 21 with no experience.

edit..maybe try get a quote on other bikes..like an NSR80 or 125 or a varadero 125 or a marauder 125/250, hornet 250, things like that. dont try a sports 250 or 400..would be like pishing into the wind Id say.

This post has been edited by Pagan: 07 February 2012 - 07:00 PM

[Slow Poke]

ring them back again ,,, most of the time 99% of em dnt know there arse from there elbow if you ring back you could get a different responce

i hate saying it but quinn is the best around for starting off tho the other companies wnt match em but fair play if they do when your only starting

the first cuz rang em before when he was trying for insurance for a 1L starlet at 19 ,,, first quote 3500euro

second tym we rang (5 minutes later) 2 grand and best we got to was 1300 and went with that

also did you try there online site ,, i used it last week getting insurance for me other little cousin in a corolla car and it was way cheaper and easier to deal with then ringing em and also pay it there and then with a card ,,,My link

[BigPonse]

Thanks for the reply guys, dont know if its illegal to not get a quote i'll look into it. I got a quote off them before on a 125 varadero was around the €950 mark. I tried the online yoke slow poke but that wouldnt quote me either. Ill try them again then Im calling aon tomorrow. Theres a lack of cheapish bikes around Waterford and the Suzuki seemed like a decent enough deal at €1500.

[petecourtney]

BigPonse, on 07 February 2012 - 07:13 PM, said:

...Ill try them again then Im calling aon tomorrow.

You can also try Adelaide and Carole Nash. AXA are in the market too, but I'm not sure if you can contact them directly or only via Aon, I expect someone with more info will be along later.

[proinnsias]

They can refuse to quote - however of you collect three written refusals, the ombudsman can require one to quote you. It won't be pretty though.

P

[Pagan]

proinnsias, on 07 February 2012 - 09:33 PM, said:

They can refuse to quote - however of you collect three written refusals, the ombudsman can require one to quote you. It won't be pretty though.

P

Ahhhh..so thats it.

[Darkcloud]

petecourtney, on 07 February 2012 - 08:14 PM, said:

You can also try Adelaide and Carole Nash. AXA are in the market too, but I'm not sure if you can contact them directly or only via Aon, I expect someone with more info will be along later.

Not too sure if CN accept learners ?

[heiner69]

That's why there are hardly any jung lads on the road anymore. Its a joke alright?

[The Greek AKA The cat]

When I started back on bikes I had to go with AON because at the time they were the only one who would quote a first-timer.

If you insist on a quote they will just throw out an unbelieveable quote like 20k or something just as ridiculous.

Do ring around but start the conversation with "do you insure first timers". At least you wont get disappointed halfway through the call.

At least there is now the ombudsman. The legal side of it is that if you cannot get insured and it is a legal requirement then the government have to do it. It was simple too you just had to lodge 100k with the government as a surety against any claims against you, and that was 25 years ago!!!

Good luck with the search. Do ask the question because it may have nothing to do with the bike.

[BigPonse]

Just rung aon there they wouldnt quote me on it either. So for a laugh I asked for a quote on a 2007 Honda xr 125 group 2. €1900!! My car insurance was cheaper than that. Thing is quinn quoted me for a 125 honda varadero at €900. He also said the assessment I did during the ibt to get a grade 4 doesn't mean much, I said it does to me since it was first time I was on a bike Dont have any idea what kinda of bike to be looking at.

Edit: quinn just quoted me €700 on the honda. Thats more like it

This post has been edited by BigPonse: 08 February 2012 - 04:03 PM

[wesifumi]

Big Ponce (tee hee)

See if you can get a copy of the restriction cert and tell them you will send a copy so you can prove the bike is restricted. If the bike is restricted then no matter what bike it is, it is legal for a learner to ride.

Therefore your licence will cover it.

You do not need a 125 as a first bike, you need a 125 or a bike with 33 bhp/25kw



Category A (motorcycle) driving licences carry a restriction. This restriction limits the licence holder to motorcycles (with or without a sidecar) with a power limit of 25Kw or less. This restriction continues for 2 years after you complete your motorcycle driving licence test for this category and after you have obtained a full driving licence for this category.

[BigPonse]

wesifumi, on 08 February 2012 - 04:27 PM, said:

Big Ponce (tee hee)

See if you can get a copy of the restriction cert and tell them you will send a copy so you can prove the bike is restricted. If the bike is restricted then no matter what bike it is, it is legal for a learner to ride.

Therefore your licence will cover it.

You do not need a 125 as a first bike, you need a 125 or a bike with 33 bhp/25kw



Category A (motorcycle) driving licences carry a restriction. This restriction limits the licence holder to motorcycles (with or without a sidecar) with a power limit of 25Kw or less. This restriction continues for 2 years after you complete your motorcycle driving licence test for this category and after you have obtained a full driving licence for this category.

I said that to the chap, does the after market restriction not mean anything? he said it does sometimes. He said that some only restrict the top speed and not the ehhhh power of the bike, so basically it can get to a top speed really fast. Then he said a factory restriction is different cos it uses the computer of something and that restricts top speed and power. I'll be getting insurance with quinn anyway seeing their is more than a €1000 in the difference. The fella I did my IBT said to try get a decent bike restricted but it would see I can't and I doubt me tiny budget could support it. The suzuki seemed like a good buy at €1500 for a 500cc restricted.

This post has been edited by BigPonse: 08 February 2012 - 04:47 PM

[wesifumi]

BigPonse, on 08 February 2012 - 04:46 PM, said:

I said that to the chap, does the after market restriction not mean anything? he said it does sometimes. He said that some only restrict the top speed and not the ehhhh power of the bike, so basically it can get to a top speed really fast. Then he said a factory restriction is different cos it uses the computer of something and that restricts top speed and power. I'll be getting insurance with quinn anyway seeing their is more than a €1000 in the difference. The fella I did my IBT said to try get a decent bike restricted but it would see I can't and I doubt me tiny budget could support it. The suzuki seemed like a good buy at €1500 for a 500cc restricted.

Just like the government, the insurance companies haven't a fcuking clue, and they are meant to know what they are insuring.

Honestly, can someone make me some bombs, i will put them to good use.

Modern bikes can have the "factory restriction" which is done with a different ECU which changes the mapping of the bike, hence the brain tells the bike what fuel air mixture it can take in each gear at a certain rev, this reduction in revs and fuel dictates the power of the bike..in this case 25kw or 33bhp

Older bikes without ecus, and even with them can be restricted via the carbs, or the exhaust or the throttle.( the throttle one i don't really think is accepted, but IBF member Kelpie may be able to shed more light on that)

Again, if the carbs are restricted with washers, the amount of fuel and air getting through them. is restricted, this in turn drops the power and since each kit made for a specific bike is sized properly, the power is dropped to the magic 25 kw or 33bhp.

Quinn do not have a fcuking clue..i do not know how people put up with insurance dumbasses.

BigPonse, you can ride a Goldwing on your licence because it falls within the power to weight ratio..also a deauville.

Quinn won't accept that because they haven't a fcuking notion.

This post has been edited by wesifumi: 08 February 2012 - 05:08 PM

[Rogue]

BigPonse, on 08 February 2012 - 03:59 PM, said:

Just rung aon there they wouldnt quote me on it either. So for a laugh I asked for a quote on a 2007 Honda xr 125 group 2. €1900!! My car insurance was cheaper than that. Thing is quinn quoted me for a 125 honda varadero at €900. He also said the assessment I did during the ibt to get a grade 4 doesn't mean much, I said it does to me since it was first time I was on a bike Dont have any idea what kinda of bike to be looking at.

Edit: quinn just quoted me €700 on the honda. Thats more like it

Get the quote in writing. If the customer service team keep changing the quote verbally, then they can say what they like. At least if its in writing, you'll have a better chance of holding them to it.
Good luck with it.

[The Greek AKA The cat]

Rogue, on 10 February 2012 - 10:55 AM, said:

Get the quote in writing. If the customer service team keep changing the quote verbally, then they can say what they like. At least if its in writing, you'll have a better chance of holding them to it.
Good luck with it.

Thats very important. AON were feckers for it. Quote one thing over the phone and then up it when you went in to pay.

[petecourtney]

Rogue, on 10 February 2012 - 10:55 AM, said:

Get the quote in writing. If the customer service team keep changing the quote verbally, then they can say what they like. At least if its in writing, you'll have a better chance of holding them to it.

Are all their calls not recorded? I'm pretty sure they are. I know CN had access to a conversation I had with one of the their phone operators going back 6+ months.

The Greek AKA The cat, on 10 February 2012 - 12:22 PM, said:

Thats very important. AON were feckers for it. Quote one thing over the phone and then up it when you went in to pay.

How are they still in business? With that kind of carry-on I wouldn't be able to trust them with my money.

[gttc16]

From what I gathered when I went for insurance
Factory restricted insurance = cheaper insurance (group 5)
Aftermarket restrictor kit insurance = dearer as Yes you can drive the bike under your licence, but the bike is still classed as it's normal insurance group for pricing reasons.

This is what the insurance company told me way back (AON).

[Rogue]

petecourtney, on 10 February 2012 - 01:12 PM, said:

Are all their calls not recorded? I'm pretty sure they are. I know CN had access to a conversation I had with one of the their phone operators going back 6+ months.

How are they still in business? With that kind of carry-on I wouldn't be able to trust them with my money.

True, but I'd doubt they would produce the telephone recording if it was going to cost them. They could easily say that the conversation 'was detroyed in a fire'. Ahem.

[jamesobrady]

wesifumi, on 08 February 2012 - 05:04 PM, said:

Again, if the carbs are restricted with washers, the amount of fuel and air getting through them. is restricted, this in turn drops the power and since each kit made for a specific bike is sized properly, the power is dropped to the magic 25 kw or 33bhp.
.....
BigPonse, you can ride a Goldwing on your licence because it falls within the power to weight ratio..also a deauville.

http://www.magirelan...-license-facts/

Gl1800 @ 104 hp and 800lbs. How do you calculate it's output?