22 year old son struggling

Richeyroo

Richeyroo

Well-known member
UKGSer Subscriber
Joined
May 31, 2007
Messages
1,089
Reaction score
1,728
Location
UK
22 year old son
2024 CRF300 Rally
A2 licence
Had his 125 nicked in 2022
No insurance since
No NCB

Recent quote £4300

Thoughts, reflections, feelings ?

All advice gratefully received. I imagine me insuring him with me as main driver is the way forward?? I will ride it loads too, so it’s not a complete lie
 
Presumably you’ve added as much useful security (Datatag) as possible?

Postcode can be a real hinderance (I’m in a Norfolk shithole) but any benefit of it being kept at your house.

Clearly I’m not condoning insurance fraud etc, but use what you can……
 
Richeyroo said:
22 year old son
2024 CRF300 Rally
A2 licence
Had his 125 nicked in 2022
No insurance since
No NCB

Recent quote £4300

Thoughts, reflections, feelings ?

All advice gratefully received. I imagine me insuring him with me as main driver is the way forward?? I will ride it loads too, so it’s not a complete lie
Click to expand...

the risk is your insurance record would be tainted if the scrote magnet bike got nicked or the young chap had a pique of over-exuberance into, for example, a row of nuns at a bus stop

has he tried a quote through a proper broker rather than a screen scraping robot? He might need to do something he has never done before and make an actual phone call ...
 
Richeyroo said:
22 year old son
2024 CRF300 Rally
A2 licence
Had his 125 nicked in 2022
No insurance since
No NCB

Recent quote £4300

Thoughts, reflections, feelings ?

All advice gratefully received. I imagine me insuring him with me as main driver is the way forward?? I will ride it loads too, so it’s not a complete lie
Click to expand...
?? Not the best closing statement to post regarding insurance??

Get him to buy a cb100 or similar and buzz it round for a few years tpft to get a couple of years ncb,

Get him to add YOU as a named driver, that may help
 
Santa-2512 said:
?? Not the best closing statement to post regarding insurance??

Get him to buy a cb100 or similar and buzz it round for a few years tpft to get a couple of years ncb,

Get him to add YOU as a named driver, that may help
Click to expand...
Why not if it’s true? I will ride it loads and the bike will be kept at my house. He works in London 🙄

Anyway we’re leaving for France tomorrow afternoon on the bikes 😄
 
Richeyroo said:
Why not if it’s true? I will ride it loads and the bike will be kept at my house. He works in London 🙄

Anyway we’re leaving for France tomorrow afternoon on the bikes 😄
Click to expand...
Do whatever you can to reduce the premium for him.
 
Have you tried around different companies? You don’t say what level of insurance your son is looking for. The quote must be nearing the value of the bike. Try a different bike with 3rd party coverage only for a year or 2. There was a deauville on here for £250 recently. Just an idea of what’s out there. Make sure you have an alarm. Won’t stop someone stealing it but insurance company’s love them. JJH
 
By the way my first bike was a Honda 125ss in about 1976. Insurence was 60. I had a fairly cathoic late teens early 20s. No bad insurance history but in 1983 my insurance for a z650 was £817. I was clearing £63 a week. All dates may not be exact but best my memory can come up with. The money is right. I was doing a few nights a week as a roadie so I was doin ok. Never went short of a point or fag anyway. JJH
 
Richeyroo said:
Thoughts, reflections, feelings ?

All advice gratefully received. I imagine me insuring him with me as main driver is the way forward?? I will ride it loads too, so it’s not a complete lie
Click to expand...

Richeyroo said:
Why not if it’s true? I will ride it loads and the bike will be kept at my house. He works in London 🙄

Anyway we’re leaving for France tomorrow afternoon on the bikes 😄
Click to expand...
Which is it?
I'd be very careful about a little white lie on an insurance policy or I can foresee a future 'rant' about how you've been stitched up with the renewal/refused renewal etc
It sounds like he needs to do the usual internet search/broker ring round and hope he finds somewhere that'll do a policy at a more palatable amount.
 
Davey B said:
Which is it?
I'd be very careful about a little white lie on an insurance policy or I can foresee a future 'rant' about how you've been stitched up with the renewal/refused renewal etc
It sounds like he needs to do the usual internet search/broker ring round and hope he finds somewhere that'll do a policy at a more palatable amount.
Click to expand...
Exactly what i was trying to impart, no such thing as a white lie in insurance company's eyes, and to makes things worse, its in print, on the web :nenau
 
just get third party only cover and a cheap cg125 bike
 
  • Fewer miles.
  • More physical security.
  • Garaged / Secure Armadillo box or similar.
  • Lower risk bike.
  • Get married
  • buy a house
  • become a librarian.
  • No commuting, pillion or business use.
  • Lexham do cheaper deals with larger compulsory excess.
  • Increase voluntary excess
  • Apply for the policy to start 21 days in the future.
  • Any combination of the above.
 
stever1 said:
But he won’t be building up any NCB will he ?
Click to expand...
No they won't but when I got a quote for my son recently they now ask an additional question. Do they have any years as a named driver on someone's else's policy, so I think it helps.
 
Nippy Normans supply Touratech, Wunderlich, Desert Fox and many other makes of accessories.
You must log in or register to reply here.


Back
Top Bottom