Motorcycle- £6000. Insurance £300. Where's the catch?

Question

Hi! I have my Direct Access test booked and a deposit set down for a Harley Davidson 883 Sportster.

The bike costs a fraction under £6000. My insurance is £300. That's £6900 for the bike test, the bike itself and a year's insurance.

Where's the catch? This all seems awfully cheap for a new UK rider! What are fuel costs (c.8 miles a day) and parts likely to cost on this bike? After 5 years in cars, I cannot believe biking is this cheap! Am I missing something?!

Answer 1

Yes that sounds a good deal. best of luck with your test.

Answer 2

It depends on your age,your postcode and the bike, the Harley is in a relatively low group for insurance,

For me I pay £120 Fully comp on a triumph Daytona, after 35 years on the road and living in a low risk area.

Answer 3

I dont think thats an unreasonably low bike cost, or insurance rate, although you do seem to have gotten a good deal.  Keep up with the bikes maintenence and it shouldn't cost too much in repairs.  That bike should get around 50-60miles per gallon, so that shouldnt be an issue.  As for catches, all you really have to think about is your vulnerability on the road, and riding in rain, and other bad weather depending on where you live.  Also, you cannot carry as many passengers, or as much luggage on a bike if that matters.

Answer 4

it could be your age ( are you a old timer), with a posh postcode. i had quote this morning for a yamaha diversion 900cc value is £2000 and quote was £198.00. ( thats with a S****y birmingham area postcode) but ive got 10 years riding experience. i am 28.

Answer 5

Personally, I think the sportster is a primitive bike. For six grand you could do a lot better.

Answer 6

you are right the insurance is way too little if you go with that company before you pay check the small print

the insurance should be over £1.000 for a good policy