Motorbike Insurance in Ireland
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- čas přidán 8. 02. 2018
- Motorbike insurance in Ireland can be a pain so in this video I ramble about how much of a pain it is & offer no significant helpful advise.
If you do have any questions please feel free to leave them in the comment section below.
Cheers for watching lads, & if you enjoyed it leave a like, subscribe too & be sound! :)
First
You're a legend!
Lar Kelly good job Lar🦇I'm Batman 🦇🦇🦇🦇🦇🦇
Insurance is an absolute cod in Ireland. I was thinking of moving home a few years ago. Out of curiosity, I got a few car insurance quotes. The cheapest one I got was 1100 Euro for a 1.2 Corsa. I'm 36 and have been driving 15 years and have never crashed! Meanwhile, in Australia, my bike insurance as a brand new rider on an R3 was $500- about 350 Euro.
Ireland is getting fucking rode by Insurance Companies. It's a joke there.
Car insurance is a whole other story man. I'm workin' with a few lads that are home from Australia & they're the same, getting quoted nearly a grand and a half for a 1.2 Focus! I think when you're out of the country from more than 2 years you start like a new driver when you come back, no matter what experience you have, fuckin' joke. €350 for an R3 is a seriously good price. Companies here would google "R3" see how sporty it looks and go "Yeah €1,300" haha!
Lucky Luke Rides Yeah they don’t recognise your no claims from Oz. Of course they fuckin’ don’t! Plus, I could never drive any car with less than 150bhp anymore- Oz and it’s big cars has me ruined!
Looks sporty alright. Your Super 4 would probably cream it!
Our corrupt politicians do nothing about it. Are they on a take too ? They could easy force them to drop the prices if they want .....
It takes a special kind of skill to answer an incoming call and pluck a random number out of your arse and present it as a perfectly reasonable quote. Insurance companies in Ireland have perfected this skill. Dead right regards ringing around. I got a quote last year and didn't even ring around just rang back ten minutes later to say I had another crowd who wmtjdwdm it for €150 cheaper and they matched it without blinking an eye. Then I said I'd get back to they and actually did ring a few more places and another €80 quid off it. You just have to play them at their own game sometimes.
Kaza whaki They really have perfected the art of shite talk to be fair to them haha! Glad you managed to get a few quid off! Theres stories around of lads just making up random quotes & telling companies that somebody else offered them this, then the company matched it out of spite of the other company it’s madness. I’m looking forward to April to see what mine will be again. I don’t think it’ll go any lower than €314 but having said that, I’ll have another years no claims under my belt! :) not looking forward to getting quotes on the A licence in September though haha!
Woah Luke, really appreciate what you had done for us foreign bike lovers, back 5 years. Hope you get a lot far in life. Keep spreading love and knowledge.
Every policy is different, and that is a problem too. Some only cover social riding, so exclude daily commute, some exclude pillion. My first policy, on a brand new bike, learner permit €1200 with Liberty (fully comp). Carol Nash quoted me €1700, Axa, €2400. Next year, with no claims, Liberty rider assessment, and then a full license, it came down to €760. This year, with 3 year no claims, it's €420 (which now also includes pillion. I can live with that.
Axa always seem to be the most expensive to be fair, don't know how they're still around. €420 is very reasonable man, especially for the size & condition of your bike. Out of curiosity what grade did you get in the Liberty rider assessment, how much did you get discounted & how long is that valid for? :)
I have Liberty Level 2 assessment. I think there are 3 levels. It gets me 30% off. It was done, as part of my pre-test by the instructor. I think it's valid indefinitely. Once you get it, you're good. You can always do more and get a further grade.
Motorcycle insurance is not a simple thing anywhere. Plus there are so many differences between different countries.
Over here too, a Supersport of 600cc will pay DOUBLE in insurance and registration compared to my 1750cc cruiser!
Here in Canada because of the winter "lockup" many people stop the insurance for few months every winter.
My opinion...When it comes to motorcycles...Full insurance, all the time. Find a good deal and play safe.
Kudos for tackling this topic, Luke!!! Ride safe!
BigBadWolfMoto Yeah, I think most sports bikes no matter what CC are just labelled death traps because let’s be honest, the majority of inexperienced, new riders will get one because they “look cool” crash it, and drive up everyone else’s insurance. Yeah I watch a few other Canadian Motovloggers and lots of them stop there insurance for winter because it’s paying for nothing but a bike in a garage haha! Cheers for watching, ride safe lad :)
You're a gas man 😃
Thanks very much for the info.... Much appreciated 👍 Mick
No hassle Mick haha! :)
Well luke, I think you should make a follow up video to this explaining everything that you know yourself about getting premiums cheaper, for example, Axa have a motorbike skills assessment program to give drivers a premium discount based on there skill levels, so that’s based off of a points system which is broken down into four groups. Which group you are placed into depends on the type of discount you will get. So I think this should be something for another video, and similar things like this that you might know about.
i just renewed my insurance today at €316 for the year on a 09 ninja 250 with a full A2 and one year no claims. Last year it was just under €1000 for the same bike as a learner. cant complain too much there.
Jesus, you must be buzzing! Mines €314, so like 20 quid a month! :)
Ultan Duggan who did you get your insurance off mate
@@LuckyLukeRides you see motorbikes do save you alot if money in the long run compared to a car
I'm thinking of importing my Indian Spirit motorcycle to Ireland after living 40+ years in the U.S. First I'd have to start from scratch with a learners permit, safety course and jump through all the hoops. None of my years of ridding as a fully licensed rider is taken into account. I'm trying to see if I can ride as a tourist with green card coverage and U,S registration so at least I could enjoy a tour before the torture starts. Before I left Ireland in the mid-seventies half the country was ridding without a license or on a provisional now it's like trying to stuff a wet noodle up a rabid tiger's ass. I enjoyed your video! One year 2019 full coverage in U.S. $480.00 with bike valued at $8,315, pretty reasonable.
Hey man, I wish you all the best with getting it imported and getting your licence sorted. It's true, the system has changed quite dramatically since 2013 I think is when the EU licence regulations started to affect Ireland. I do know that you can transfer a Canadian licence for an Irish one so I'm wondering if it's possible to exchange your U.S. one to a Canadian one and then finally to an Irish one. I'm not sure if it's possible but could be a workaround if it does work! The insurance costs have gone crazy here, sounds much more reasonable in the U.S.
Insurance in contenantal Europe is way cheaper than that.
Being cheaper than ireland is nothing to boast about.
Subbed great biking channel thumbs up
Interesting to hear the difference between US and Ireland policies. The underwriting criteria should be more transparent, but keeping that info secret just means they can charge whatever rate they deem fit. There are stories here where you get a quote online, then call in and the agent "reviews" your info and then finds some obscure discount that lowers the rate, all in order to get your sale. Good topic 👌
Haha, different but I can still see insurance is a scam over there too. Love that line "well I've reviewed your quote and the fact that your name starts with a L, we can lower your cost by €300" just to keep you a customer haha. Cheers Kari :)
still relevant to this day :)
My plans for a super moto are out the window because of insurance. For such a small country we sure do get shafted if we want to drive a car or bike.
Ah man, insurance is a joke here. It's actually mental...
@@LuckyLukeRides Sure is mate. Might be worth going with the chase brothers 🤣
What were the kind of prices u were getting
Irish weather right here . Start of the video it’s horrible . Half way through and peoples barbecues are out 😭
What type of bike can u ride at 17 and what would the insurance be?
Does anyone have advice about getting a second bike insured?
Welcome to Ireland
Haha on the 0.46 that's my torn off to and from work. You passed by my work place there few miles back dell emc. May keep an eye out for you..
Haha that's gas man! :) I can now stalk you... forever...
Considering trying out biking and researching it at the moment. This was helpful. Thanks for the information.
No hassle at all man, I've got another video on the steps involved in getting your licence in Ireland! If you've got any questions fire away!
@@LuckyLukeRides Cool. I'll take a look at that too. Are you from Cork? Whereabouts did you do your training? I'm thinking of going to two wheel training in January to give it a go before I go for a provisional. You can just do a lesson in their training place without a licence to try it out I think.
@@grahamduggan8476 I'm from Tralee, only been living in Cork for a few months now. I did my training in Tralee too with Munster Bike School. That's cool that you can do the lesson without a licence, I didn't know that!
@@LuckyLukeRides Well I think so. This is what it says on their website "We can provide the bike and insurance and all the protective clothing for a two hour lesson for only the cost of the lesson so you do not have to buy any bike or gear until you are able or sure you want to get into motorcycling.Gift vouchers available. A temporary permit is not required until you are ready to start IBT ( Initial Basic Training )."
@@grahamduggan8476 Jesus that sounds like a pretty cool idea! I'd ring them up just to be 100% sure but it makes sense if they're only going to spin around a car park, you wouldn't need a licence unless they were bringing you onto public roads!
Im turning 16 soon and I'm going to be getting my learners for the A1 license. I'll be driving a 50-70cc imported moped rather than a 125 because they cost a shit ton! Im assuming that the insurance shouldn't be too bad considering the cc's right?
I'm 24 and I've been living in Ireland (Galway) for 2 years..I bought an MT-07 A2...did the IBT (450 Eur) then started with calling the Insurance companies. Liberty did not quote since they need Minimum 3 years No claims. Carol nash quoted 2633 Eur for third party + fire + theft. 2830 Eur for 3rd party alone, and 3722 for Compenhsive. Of course, it is wayyyy....too much. Then I called Paddy Compare. They quoted 2484 Eur for comprehensive. Finally, I called Principal...they quoted me 1672 Eur for comprehensive coverage. This was the least I could get....so I purchased it. The insurance was high since it was my first-time insurance in Ireland, and also the bike cc was high (689). The insurance would have been more expensive if it was an unrestricted MT-07.
Im 29. I got a quote of 660 on a 600 hornet. First time insurance on a provisional with liberty insurance at 3rd party fire and theft. Requested a call back from carol nash 3 times. Heard nothing back so im goin with liberty. Reasonable enough I think
Liberty are very good for first time quotes. I was with them up until this year. I got a renewal quote of €311 for 3rd party only. That's the exact same as last year so I gave them a ring and they said it was the best they could do. I rang carole nash & I'm after getting it for €284 third party fire & theft so they're worth looking into once you have the full license!
Long long time ago In far away kingdom we started out on a 125cc then moved on to 400 cc after about 4 years later we got to insure a 900cc or bigger. Moral of the story get a bike enjoy it and move on to a bigger bike when the price is right If all else fails do like me when I was younger and use hoping insurance
Yeah man, I agree that people should start small & work there way up. I think the new laws have everyone a bit confused though, including insurance companies. I saw a lad on Facebook who did his IBT & Liberty riding assessment on a ER6N but then liberty wouldn't actually insure him on the bike because of his age. Madness.
Lucky Luke Rides the way I taught it worked was on Hp so if you had a 400 or 600 with low hp it be cheaper then you have anything ending with a r or rr it was higher again and the last I think they go by the amount of accidents off the bike In there group
Well luke im 21 on a kawasaki kle500 enduro paying 850 with liberty 3rd party and on the provisional no one else would even quote me
That's a decent quote for first insurance man. I was in the same situation. Liberty are the only people who would quote me at 21 with a provisional A2. When you get a years no claims see what it comes down to man.
Lucky Luke Rides ya wasent to bad in fairness when the cheapest quote I could get for a car was twice the price
As a learner 900 ish for a 2014 F800R, six month later, got a refund of 250 ish after passing my full license. things they based their thing on was my age, my sex and location (lol) joking aside it does impact you. Same as where your bike is stored, how many km will you be doing in a year, how secure is your bike when parked (alarm, chain, alarm disc lock, etc). and yeah do shop around, some will ask you to pass a axa or aon test to get a discount, some instructor will tell you it is not worth it but I would say (not done it yet) that it would be a plus on the long run if you have spent 200 euro ish, you will more than likely save some.
That's not bad for the F800R! :) Thanks for listing out all the other factors man, people will find it helpful!
my 125 i pay more than normal as its on a q plate so my first year was 880 pounds and after the first year it went to 650 and in a couple of months i will hopefully have my a2 licence and 2 years no calms.
That should drop down even more man fingers crossed! :)
What if I want to drive a 650 on a2 licence? Insurance won’t recognize it’s restricted ? Even if it’s done by ecu And certified
You can still get insured but you won't get any discounts.
Insurance only take into account factory restricted bikes...
Even though it's a legality to have some bikes restricted for the A2 licence, it won't actually bring down your premium.
First time ever to get an insurance quote today,NEVER ON BIKE ON THE ROAD BEFORE, age 40+ just after passing theory , will be starting my IBT in March ,old bike 1982 Honda GL500 SliverWing , (Vintage or Classic Insurance) Got Quote for E 278.00 and i haven't even started to haggle , that do ya think ? Good or Bad
That's quite a decent quote man. I'm not sure you'd get it much cheaper but as I said, there's no harm looking around & getting other quotes and then telling the person you gave you that original quote that you could get it cheaper somewhere else.
I am sure the 4 dislikes you’ve got for this video are from vegans/ vegetarians because of the chicken scene Bahahahahahahaha gas man, lovely to see an Irish lad doing motorbike contents, I am really motivated by you to get my own bike as well. Hopefully soon, finger crossed.
carole nash quoted me 2.6k for my first year as learner on mt07, while in liberty i think i got it for like 1.3k :|
Yeah learners always get crazy expensive insurance! I got an online quote for the laugh on the MT07 and with a full A2 licence they're quoting like 600 quid which is actually grand! :)
I got insured by Axxa on a learner permit for 475 euros, third party only. Nobody else would even consider insuring me. I am 40 (the older the better unfortunately) and my bike is a CBR600F. My advice is try several insurance companies first and try to get a quote.
The motorcycle you have is a major issue. Mine is a 600cc with 107 HP and that was a pain to get it insured on a provisional. The bigger the engine and the more powerful the bike is the harder will be to get a quote and it will be much more expensive.
And another thing: for the love of all gods don't tell them your bike is modified. Tell them is stock. Otherwise everything gets complicated and more expensive for you.
Where were you riding in ?
I'm based in Cork man!
Is that macroom 😄 nice video 👍🏼
Haha, you know your towns! ;)
@@LuckyLukeRides it's like a game of guess the town's 🤣😂
Macroom: the town that never reared a fool.
Hey man, any tips on getting first insurance quote? I just got quoted 7k for a ktm duke 390 and was told its an cat A bike?! I just passed my ibt and im on a provisional A2 license. I'm 20 nd have 2 years of driving on a full license. Any tips really appreciated
7k is bloody insane...
I found Liberty to be the best for new riders but you're still better off just ringing everyone. There are no real tips because the whole thing is a huge scam man.
@@LuckyLukeRides yep its crazy. On the bright side, I got a quote of 820 off liberty and was cruising for the first time today. Also I opted for a smaller cbr250r and love it
@@Luke-hu9mc Ah happy days man! Anything to get on the road and get the experience will stand to you 🤟
What bike are you riding in this vid mate and did you get it online?
Well lad, it's a 1995 Honda Super Four! I got it on DoneDeal about 3 years ago I'd say! I sold it last year then myself!
Lucky Luke Rides sound mate
I'm 19 got quoted 3000 for insurance on an honda cb400😭
Are liberty still doing motorbike insurance??
They do indeed pal! They have an online quote system as well as the regular phone quotes!
Carole Nash Quoted me over 2g for a 125cc zontes while liberty only quoted 971 learner btw
I got quoted €3000 for a 2007 hornet 600cc. They said if I was 23 it would be under €600. Just as an example bike
That's bloody mental man!!
Lucky Luke Rides I know just looks like I have hold out 2 more years then do ibt and insurance will be fuck all
Ahh... the art of playing insurers off eachother... it's amazing how much money you can save.
Nomad Lad Yeah it’s madness man! I’m not sure if it’s good or bad? In an ideal world there would be a set price per bike, age, skill assessment etc. Then again, it would get rid of the fun of ringing around saving money 😂
🎬Hi my new friend📸🎭☔🍔🙏🍻
not bike insurance but car insurance on my 1.3 liter suzuki jimny im paying 3100
€3100? Christ! How old are you?
Lucky Luke Rides 21, full licence. getting fucking robbed
That's mad man. I'm 23 and have had the full car licence since I was 17. I'm paying €830 for 3rd party fire & theft on a 1.6 litre Ford Focus, that's with 4 years no claims.
Lucky Luke Rides damn, see first year insured. Fully comp but it was cheaper than third party. Will have 1 year no claims in April. Hopefully I'll be massive drop
I got quoted 9 grand from aviva couple years ago when i was 21 on a provisional for a gti golf ... miserable bastards.
Insurance is a scam, should be optional, not mandatory........ great topic 👊😎
BWAHAHAHA!!!!! Bailout!!!!!😭😭😭😭😭😭😭
Haha, insurance sure is a scam man. Cheers for watching as always! :) BAILOUT THE INSURANCE COMPANY haha!
Sounds like a great idea until some dumb fucker runs into you and you're wondering who is going to pay to fix your shit.
45 pints
and you'd go at it again ;)
I'm 16 Im dying to get a bike I'm absolutely broke can't find a job do you know any cheap bikes that are cheap to insure that are 125
Sean Nolan same story
DaDedly Boy I had my ma and da convinced to let me get one but now that William dunlop died they dont want me on one and they expect me to sell my scrambelers
are you selling it ?
DaDedly Boy nota chance where are ya from urself
galway and you ?
I'm paying €2500 for my mt10
Jesus that's pricey man! Cracking bike but that's crazy expensive. I'm looking at getting an MT07 in September, hoping the insurance won't be that big of a jump!
I just got my shitty little xblade insured with liberty. 600 euro for a 50cc. All the other companies didn't even have the bike in the system. Insurance in Ireland is fucked.
45 pints hahahaha
Too much small talk