Insurance Ranting

Sorry, but something has to be done about these vampires.
ARGGHHH: Ok, if you comment saying that I'M saying we shouldn't have insurance, expect a harsh vlogging. that is NOT what im saying at all. I am saying the government should organise cheap, no frills 3rd party insurance through the DVLA. This would force the profit making insurance companies to re-think their fees and ultimately lower them.
Great organisers of track days are No Limits: www.nolimitstra...
Say the Baron sent you!

[@matt160177]

31 people disliked this? Must be the insurance companies.

[@icloudhenshaw38]

Literally 4 more companies in 8 months

[@Blind2Society]

Insurance = government enforced extortion.

[@paycee17]

We've had the exact same problem back in the 80's in France. Everyone was upset and a nationwide bike magazine asked for everyone to give £10 to build our own biker insurance. They raised TWICE as much money as they expected in less than a month. Price were divided by 2 or 3. You can beat the system like us ! Hope that helped

[@Headshot1002]

Hi Mates, I have a GSXR1000 K6 and 43yrs old. £89 Fully Comp for year. Benefit of living in Scotland however cost per use works out more expensive as always raining up here so £44.50 per ride per year lol

[@segapc1994]

what is it now ?

[@thejakey46]

I agree that the government should step in, they'd make an arse load of money too. Say it's £200 to insure a 125 for a 17 year old third party, maybe a little more for F&T or comp, through the government then they'd be raking in the cash. Every driver would switch to government scheme which would drive down insurance company prices. Government can invest in making roads safer with markings and pothole filling etc and they would only be paying out to 15-25% of their customers at most. I'd happily pay my insurance with my road tax for an extra few hundred quid a year. I think they should at least trial a government scheme. They could also only have people with 3 points on their licence and no more, eligible which reduces chance of payout even more and acts as an incentive for people to drive safer.

[@markshorrocks5056]

"Only if you`ve got 6 legs and a wonky bell-end." LMAO! That`s my quote of the year mate.

[@kalon360]

I'm a 16 year old kid who got an apprenticeship. I bought myself a 50cc bike (All I can have at my age) And my insurance was 700 bloody quid for third party fire and theft. Fucking mad. The excess is £500+ too, load of bullshit.

[@Ant.292]

In Australia when you pay for rego you also have to provide proof of compulsory third party(CTP) insurance. in some states the CTP is included in your rego. All this covers is the cost of damage or injuries to another person not there vehicle . Then you can get 3rd party property or comprehensive on top.

[@Matty6660]

Insurance is not just for us it's for other road users vehicles we may damage in an accident. If you hit a ferrari, could you afford to repair it without insurance?

[@adig54]

But thats the point, you wouldn't. Now that there's insurance a lot of younger drivers are relying on their insurance companies to pay for their damages. The majority of us see insurance as a pain in the. While some others see it as a get out jail free card. P.S. my insurance goes down, but started at around £10,000 a year. 18 living in Birmingham around City Centre. I somehow feel compelled to drive without insurance as renewing it monthly costs thousands.

[@drewkwful]

Abdulmalik Yusuf $10,000 a year? Are you driving a Boeing 747?

[@gavmcguinness8024]

Abdulmalik Yusuf Did you stick in an extra zero there by mistake?

[@Clint_the_Audio-Photo_Guy]

The Insurance companies aren't gambling at all. For them it's a guaranteed sure thing! They have the numbers and odds for every possible scenario and they always win. The profits they make are staggaring. I'm one of those guys who never has a claim, I drive like a chauffeur, I use locks, I don't go anywhere seedy, I live in the suburbs, but somehow my insurance goes up every time I get a bill! No points, I'm semi-old, and no tickets or claims ever. The government making it mandatory to have eliminates a lot of competition in themarketplace to drive prices down, so they all can stick together and charge crazy rates. Then I read the fine print on my policies and realize nothing is covered anyways! lol. On my renters insurance, basically if a thief would want to steal it, that's not a covered item in my policy, or it's covered for such a small amount that after the deductable they still won't have to pay it. What's crazy is that they will cover up to $2500 worth of Tapestries. Who even has Tapestries!?

[@drewkwful]

Who even has tapestries? What are tapestries?

[@Clint_the_Audio-Photo_Guy]

Frankie is Naked I'm not entirely sure actually. I picture a large fabric wallhanging piece of art. Like a rug for the wall. The last time people had them might have been in Mideval Times. lol.

[@nurasshemahrahmat2744]

+Frankie is Naked 0

[@guyholt2202]

BVG. Just to clarify. Double white lines where the line nearest you is solid. This means you MUST NOT cross or straddle it unless it is safe and you need to enter adjoining premises or a side road. You may cross the line if necessary, provided the road is clear, to pass a stationary vehicle, or overtake a pedal cycle, horse or road maintenance vehicle, if they are travelling at 10 mph (16 km/h) or less. Laws RTA 1988 sect 36 & TSRGD regs 10 & 26 Hope this helps and keep up the good work!

[@Kurokahnn]

True. In Australia (well my state VIC anyway) CTP Insurance is included in your vehicle registration payment... Which unfortunately means we don't have a choice of provider, however it does take the hassle out of doing it yourself.

[@nicokulmann8398]

"6 legs & a wonky bellend" holy shit thats beautiful xD imma use that wherever i can :D

[@Matomiii]

I'm a student in the UK with an A2 licence and I literally cannot afford anything bigger than a 125 and that's ridiculously expensive as it is. CBF125, with insurance at £90 a month and that's third party, fire and theft. Absolute joke.

[@257mxmitch]

that's odd i'm in the uk i'm 19 with a A2 licence and im riding a Suzuki bandit 600 and that's only £475 a year and that's third party, fire and theft.

[@TheHambletonbiker]

WTF I'm 18 with a cbt, riding a cbf125 3rd party F&T and it's only £520 a year with 0 years no claims bonus

[@SoldierDemps]

All down to the area you live in and so many other things i was fully comp in my yzfr125 69 pound a month but my voluntry excess was 1900.. I'd rather pay 4000k Voluntry excess and 100 quid insurance a year than pay 4k a year with 100 quid excess coz i know ive got more chance of not crashing than i have crashing. :)

[@AGD_27]

I'm 17 on a YBR125 and I got mine insured for £380 with breakdown. usually wouldn't be able to afford it but ironically payed it with money my dad got for a claim on his car.

[@TheHambletonbiker]

A2 licence, 19, '97 cb500, fully comp was £600, TPF&T about £380, 1 years ncb

[@drewkwful]

In Australia your annual vehicle registration includes TAC/CTP which is a fee for the Transport Accident Commission and/or Compulsory Third Party insurance. That only covers someones medical costs and such, but does not cover property.

[@Rogue0770]

in Australia you only need to have the insurance that is part of your registration (road tax). This only covers injury to other people. It's your choice if you have property insurance that covers the repair cost of the vehicle, and points on your licence don't affect your insurance.

[@MrRadialdrift]

I feel sad for UK motorbikers. I can't believe you have to pay $2500 aussie dollars to insure a bike. I pay $400 which is about 170 pounds, and it covers my helmet, leathers up to 2 weeks stay in a hotel if i am too far from home. We already pay for injury insurance with our plates every year, which covers us if we are to injured to work from an accident, and we are not required to have insurance to ride on the roads. On top of that you guys pay so much for fuel/petrol.

[@geoffart79ii]

Jim Ferguson that is very interesting, i had no idea it worked that way. What happens if a driver knocks a rider off and injures them really badly... can the rider claim good compensation from the driver?

[@dommycool100]

GeoffAAA yep. That's the compulsory insurance that everyone has which covers injury and is included in rego. The limit for most CTP payouts is in the 10-20 millions.

[@jimmythesaint5364]

Jim Ferguson Yep ..... This is true Jim , the British tax/working man has always been shit on , always has , always will ....

[@Miganto1]

I agree all should have insurance and that as it is a law, there should be a government option. Seems silly to bring a law in and then let private companies decide the price...

[@Tom_Hadler]

Miganto No it doesn't!

[@spicy110]

In my second crash (rear ending) my insurance wanted me to pay my own excess as the other side were taking ages to grant the bike inspection. The other side was the same company! And took a 10 min call from me to hurry up! So I was doing their jobs for them too!

[@inthenameofjustice8811]

Insurance companies have, over the years since I was young, become so hard nosed it has almost turned into a legal scam. They bump up premiums now to stupidly high levels but, when it comes to paying out some of the money consumers may have paid in for decades, they become aggressively miserly. I think there is a case for saying that if a person pays for a years insurance and does not claim at all in that time, one third to one half of all they have paid in, plus the interest on it, should go towards their next years insurance, on the grounds that the insurance company have had nothing to do with that money above and beyond a small admin cost and banking it.

[@wilki2208]

Baron for prime minister! Baron Von Minister?

[@fletchermcgee1]

Minister Von Grumble

[@paulroy3158]

Being 16 in Canada I'm paying 2500 a year for insurance, worth more then my fucking car.

[@GunzGonda]

I live in Australia. We pay compulsory third party insurance together with registration annually generally (or you can choose to pay every 3 or 6 months). It's not expensive at all, I pay around $250 for my 650 Kawasaki every 12 months. What is expensive is full comprehensive insurance. And I'm glad that isn't compulsory.

[@brapbrapdan2539]

It does work in Oz and makes sure cars aren't junk on the roads and insured. Getting "Rego" is really easy to do as well. From a Brit that's lived in Oz. .

[@mickd8972]

Re insurance scum c'#t's . Get this for my Yamaha yzf R1 fully comp I took out extra hospital stay insurance along side my bike insurance( Bike sure insurance) pays £100 per night in hospital from the first day (my thinking was well you never know ) so roll forward 3 months riding along some nice person decides to drop a full milkshake all over the road on a right hand bend = my front wheel milkshake =no grip low side causing me to hit the kerb feet first blowing out left ankle and both knees 21 days and nights in hospital should =£2100 hospital stay money ,when I go to make the claim they try to tell me that the claim is only valid if I am hospitalized as a direct result of road rage ( DO FUCKING WHAT ), It took me 4 months to get the money the final threat on my behalf was to tell them I was going to take out a full page advert in motorcycle news stating all the facts , they then wanted to do a deal and pay half the money I told them I would rather stick pin's in my own eyes than let them get away with anything less than the full payout . result I WON .

[@SmartESET]

If one is insured for a year and that person has not made any claims within that year, they should be fully refunded. Insurance is only there in case 'something' happens but if you have not been involved in any collisions or otherwise, it would only be right to get your money back.

[@Tom_Hadler]

A. Osman So if you crash by your logic you should have to lay the whole price? What you're suggesting is not having insurance but paying for your own damage.

[@adrianwdsouza]

Here in NZ it's legal to drive without insurance just need plates that are "Rego'd" & a WOF (MOT). You may just have to deal with another kind of problem: hit & runs.

[@matthewhopkins7691]

One of your old vids popped up to watch. Had to watch it again and what a bloody good rant about those sodding insurance companies.

[@onlymt]

"only if you have six legs and, erm, a wonky bellend", haha! i love this guy

[@Lifeofriley18]

No- you legally have to tax, insure, and get an MOT (a roadworthiness test) for each of them. Some insurance companies offer multi vehicle policies though, so you can insure all your vehicles in one go, which can be cheaper in some circumstances.

[@bernstable]

I live in the USA but I'm from the UK. I had a motorcycle stolen and when I asked the insurance company if my policy would increase on my replacement bike the woman I was speaking to was dumbfounded when I asked that question. She simply said "no, why should it, it's not your fault that someone stole it from your garage". I was pleasantly surprised by an insurance company for the first time in my life.

[@Alf_4]

in australia it varies state to state but in western australia (where I am) third party for personal injury is included in registration fees. then you can get your property damage insurance at your own discretion, third party or comprehensive.

[@sloth_e]

In Australia, in EVERY state and teritory every year we pay registration of around $150 to about $600 (from scooters to large cars) plus compulsory third party insurance of around the same price. The actual cost varies state to state but it is compulsory. the third party insurance covers damage or injury to people but not property. All up it is usually around $1000 for a 4 door car. We have non compulsory insurance for personal vehicle damage/theft etc and anothers vehicle or property.

[@ShakerWalla]

There will only be oncoming traffic if you are turning across it. The green arrows give you priority where you may not normally have it e.g. right turns at a crossroads. Sometimes there's forward ^ green arrows to make it more obvious to 'straight on-ers' that they can go when there is a red shown for right turners.

[@KineticGamingAUS]

In Aus you register your vehicle, for my car/bike its about $650/$400 per year and you get CTP insurance with that registration. As long as the vehicle is registered and road worthy, you can drive it anywhere.

[@ozjuice]

In Australia we have to have and pay for CTP with our registration every year. It's compulsory Third party insurance. Then you have optional full comp if you want it.

[@rubenpedersen5256]

In Denmark we have something which would translate to "Responsibility-insurance", which covers the damage you do to other people or vehicles. All owners of registered vehicles need to have at least this insurance, for each vehicle they own, by law. For cars this insurance ranges from £1000-£4000 a year, when you get your license at 18 years old, for motorcycles it ranges from £250-£400 a year. They both get lower, as you get older (as I’de imagine is the same in most countries). When you’re 30+, it’s like £150-£200 for either car or mc, which is quite ok I think.

[@rubenpedersen5256]

It is worth mentioning though, that a bike like the one you're riding in this video, would be around £26,000 (new) in Denmark.

[@Serpent0fEden]

Highway Code Rule 129: Double white lines where the line nearest you is solid. This means you MUST NOT cross or straddle it unless it is safe and you need to enter adjoining premises or a side road. You may cross the line if necessary, provided the road is clear, to pass a stationary vehicle, or overtake a pedal cycle, horse or road maintenance vehicle, if they are travelling at 10 mph (16 km/h) or less.

[@d.paulbishop2043]

In the province of BC here in Canada, you have to get the basic insurance through ICBC a government run insurance. It's not to bad, and every year of no accidents you get a rate reduction.

[@phosgene87]

Where I live in Australia you pay your mandatory medical insurance for road accidents as part of your vehicle registration. Extra cover is optional; I pay around $400 a year for third party insurance just in case I put a million dollar scratch in someone's Mercedes with my $500 dollar shitbox car.

[@OxyBoxy]

I live in a fairly well off area, and the third party only insurance on my CBR 125 costs £600 a year, which is just ridiculous

[@Nerb1]

On most types of insurance you can "self-insure". For your business it is a deductible expense. Might be an option for you Baron. But I think most countries make vehicle insurance compulsory. In Australia, third party insurance in compulsory, but not full comp.

[@joelcurran2785]

Pretty much Baron, here is Aus, at least NSW, we have a flat registration rate for your licence plates and then compulsory third party insurance that covers whoever you may run into. The third party insurance is dependant on your individual history and the type of bike ( based on displacement ). Outside of this there is full comp but prices are exorbitant at the least.

[@saltwaterwop]

Our basic form of vehicle insurance in Florida is called Liability coverage which you can have and then legally drive(license plates) a car as long as you own the vehicle outright and don't have a bank loan. If you owe the bank you also need to have Comprehensive insurance which covers getting your vehicle repaired.. Liability only covers the person you wrecked into and their repairs/medical.. As for Motorcycles specifically, no insurance at all is required to get tags and ride if its paid off

[@HKSkansei]

Basically Aussie registration includes insurance. When you pay your annual registration fee there's a component of registration fee, and another of TAC levy (traffic accident commission) total cost is about $700 TAC levy covers you and other people in accidents (so if you're left paralysed from a road accident TAC will help provide you care) Any insurance to do with your car is voluntary (and cheap, 3rd party for an old crap car costs ~$150)

[@n00bkill]

My most recent insurance quote for a CBR 900rr (2001) was £104 per annum, but that's 3rd party only and I'm 25 with about 5 years no claims. I tried tpf&t but the excess was the same as the value of the bloody bike.

[@YourPalsChrisAndAl]

In my state in Australia. for the yearly cost of registering a single seat bike. $150 for rego $80 for CTP (Pays for injuries/death of stuff) These two are mandatory Insuring the bike and for damage to property is optional (would have to be crazy not to get it though) Thats another $250i just for Third party So it's about $500ish Aus a year which is like 300 pounds?

[@venkat147]

In Australia it changes a little bit from state to state, and I'm not sure how much the change is. but the third party insurance is compulsory and it gets covered by the registration. however I think you still have the option to take third party insurance from other insurers and not just the company provided by the state

[@Mazoox500]

i suppose that prices have changed/been adjusted over the years but here in Sweden sportbikes are even worse. I have no points on my license and to ensure a GSX-R1000 K7 (that coust like 4-5k to buy would be 3 grand for me and I'm 30, house owner, married and father.

[@SickPrid3]

My case is a great example of how fkd up UK insurance is. I'm a foreigner, in my country I hold full moto license for over 8 years with exception that I can not carry passenger. In UK there is no such a thing, so I am treated as if I was a learner. Result of that is £3370 lowest quote for restricted mt07, just for 3rd party and theft. If I wanted to get my ninja 636 after 15 months I would be able to buy brand new one!! Sickening!

[@mowie1236]

An issue with being able to drive without insurance in Australia is if somebody on a low income causes a lot of damage even after going to court it can be nearly impossible to get the money out of them because they simply don't have it.

[@TheGerry53]

now i live in thailand, my insurance for my car is 12 pounds a year only for 3rd party ....and my ducati 899 is the same 12 pounds a year ....if you want full cover its about 400 pounds a year .... not bad as you can ride here every day of the year,,,,, love it ...

[@scoldingwhisper]

In canada the government had to regulate insurance because it was costing $4000 a year for basic coverage that doesnt even cover if your car gets stolen. And it would cost like $200 more if your car was red

[@aussieletts5313]

I live in Melbourne Australia I moved out here around 32 years ago I am 59 years old and decided to get myself a motorbike. I haven't ridden a motorbike since I left London. I was made to re-sit my license and passed. I got myself a brand new MT 07 and the fully comp insurance was $470 dollars which is around 290 quid a year not to bad I thought

[@MrDakiota]

I fell perfectly in his one "stereotype". I'm 20yrs old with a 1991 CBR 600, and it cost's me $145 a month for my 23yr old bike. My $30,000 truck cost's less to insure. I assume other places cost more but it's still a lot of money.

[@oc2861]

Small print "Only if youve got six legs and a wonky bellend". Fucking golden.

[@fpxchaos]

I pay like 600 a year for full coverage but I honestly think it's a waste because over the course of like 3 years I'll pay more for my insurance then I did for my actual bike. I know this is a older video but I completely agree with you.

[@t0m541]

As a completely random off topic question, how come your mirrors are so easy to fold in and out ?? I too ride a blade and it's a real struggle to move them. Have you loosened the mounting bolts or were they once a struggle and through use become as easy as they are ? Oh and good rant about the insurance vultures ...completely agree :-)

[@a-train4854]

"Harboring these pikey vagabond fanny flaps" - Quote of the century goes to The Baron!

[@jason23189]

Sir Baron. In Australia, when you get a vehicle registered at the same time you pay for 3rd party health insurance. but you dont need to pay for comprehensive or anything like that. if you crash you pay.

[@nathanbryning8474]

Hi Baron! When I turned 20 I decided to do my CBT and get myself a little 125, of which I decided to buy a ktm 125 duke with 400miles on the clock second hand, the insurance cost me £750, then a year later when my renewal came up I couldn't find insurance for less than £1200 even with my now 1 years no claims bonus. My bikes now been sat in my garage for a little under a year now, sad times :(.

[@marlandfriends4694]

In Australia our vehicle registration fee includes third party insurance. Which is a fantastic system.

[@nyc863]

+SEGA Palz No it doesn't. You have to BUY *compulsory* third party insurance for between $500 and $1000 a year (it depends on various silly things like cc) and is not part of your rego fees, you can't rego the bike without it. And the 5 or 6 authorised insurance companies are surely in collusion because their prices are pretty much the same. All CTP covers is medical costs if you injure someone else. If your bike can't carry anyone, tough luck, you pay as if it can. If your bike is a safe torque laden GS, you pay twice what a lunatic on a liter sports bike pays. The system should not be emulated. It is also rising at many times the inflation rate.

[@semperbauhaus]

I should clarify...the difference between the cost of third party and fully comp will be the amount that covers your own vehicle, not the full £1200 pa. most of your insurance is probabky third party, in case you damage a car. In london, it could be a shitty mini but could be a maclaren f1

[@terenceflynn5125]

I’ve been rewatching all of these, funniest stuff on this website in my opinion. I’m looking for a video where you were rambling on normally, and absolutely lost it with a driver at Hammersmith. It made me piss myself at the time. I can’t find it for love nor money though. Anyone? Long shot I know..

[@TheRealUnconnected]

What he said about australian insurance is fairly correct, in nsw (the only important state that matters) included in your registration (plate/tax disc) is compulsory third party medical insurance, this covers any person who you hurt for medical expenses. you pay for your car and anything you hit. Anything above that is optional but most buy it, either full comp or third party property insurance.

[@Pining_for_the_fjords]

I've been riding since I was 24, and I've never paid more than about £150 (yearly) for insurance, usually around £100. Maybe the difference is I've never had a bike that's less than ten years old or worth more than £1500, I've never made a claim and I don't live in London. But I agree it's a bloody cheek for the insurance company to say it's your fault your bike was stolen. I'd have told them I'm going to hang up and find an insurance company that's a bit more reasonable. I know a guy who's saved hundreds of pounds on his car insurance just by ringing round different companies, telling them each other's best offers and making them compete for his custom. I've never tried that with bike insurance, but maybe if I was being quoted £1200 I'd be making them work for my custom, not the other way around.

[@MrEminemrules92]

Hate the DVLA. Went to re-register a bike to get it back on the road and had lost the logbook and they asked me for the registration plate. Surely they can get the reg from the frame and engine numbers and now have to pay £250 to get a new plate!

[@dannywalsh13]

in Australia (or the State of NSW at least...) you have to pay for your registration and also your CTP (compulsory third party) insurance to be able to drive the vehicle. the CTP covers costs for injuries of other people but not for their stuff. e.g. if you crash into a car, then the costs of the occupants' hospital/medical bills are covered because you paid CTP. If you want to cover your ass for their expensive car, you have to buy third party property separately from an insurance company

[@assassin72]

I completely agree with you.In Canada,we pay out the ASS for insurance and as a young driver i'd like to have a a no frills,3rd party insurance with one way liability

[@westscape2]

Totally agree. The most annoying thing is nearly all policies are now auto renew and the only way to try to escape them is to ring up and have to deal with a sales person who will lead you on a merry dance indeed. These auto renew policies should be illegal. You can be sure though that governments won't be intervening in a system that basically makes money for their banker masters. Like the idea someone mentioned about setting up an insurance co-operative that works for benefit of customers.

[@lzabi1]

Saying hello from Australia, you are correct in saying we pay for registration which gives us the right to drive the car or bike on the road if we cause an accident we have to cover it, insurance is optional and is practically there to reduce the amount someone has to pay to cover damages, for the cheaper cars you can get third party insurance for as low as $150 a year with a $700 excess for any accidents. The only pain is compulsory third party insurance which makes almost 50% rego costs.

[@tutyfruty200]

in australia you only have to have insurance if you're buying a new vehicle and getting a finance on it.

[@KTMAngryDragon]

As I understand it, UK insurance companies are CURRENTLY under investigation by the government and associated investigative bodies such as trading standards and fair trading etc for price fixing and various other rackets. I think it has finally reached that break point where it's quite clear they're abusing the fact of law that insurance is mandatory, so they can charge as much as they please as long as they work together to raise costs. Just only hope we can nail them for it!

[@onoff314]

Also Baron. The Australian system is nothing like what you mentioned. Having a plate does not allow you to drive, you need registration $700 minimum for a car or $400 for a bike and 3rd party insurance at the minimum. This is quite cheap though at $200-400 for a car but most people pay comprehensive $1000-3000 per annum

[@Zebrateaser]

maybe back in the 80's. 1 year rego for a car that has a v6 (in QLD) is now around $800 a year. You get compulsory third party insurance that covers people's medical bills. Most people get third party fire and theft or comprehensive if it's a nice new car. At least you can choose the level of risk you want to take.

[@adcuz]

Good point, it would be interesting to look into exactly what's going on.

[@JamesMadelin]

Aaaaahhhhhh such a relief to discover I'm not alone in my attitude towards UK insurance companies. I could rant for hours (and often do) about this. Particularly given the contrast between here and NZ, where you don't *have* to have insurance, but if you choose to it's reasonable. And you're covered on track days !!!!! Full no claims bonus overseas in the first world country you've been living in sir? Oh no! That doesn't count!

[@Lifeofriley18]

Cool :) And sorry if that came across as a bit harsh. Insurance companies keep saying that it's getting more expensive for them every year, too - I wonder if it's an increase in number of/size of accidents, an increase in claims for compensation (for things like whiplash), or that vehicles are increasingly expensive to fix? I think taking people to court individually would be even more expensive and more hassle than the current system, but there has to be some alternative!

[@Na5tyify]

It’s the only business I know that actively and openly uses discrimination as a reason to charge you more.

[@RideMyFeathers]

Think about if someone crashes, the amount it costs for the emergency services, re-tarmac roads, re-build road signs, the admin offices in order to send the people out, price of the car and anything else that is hit at the time. It's probably a lot more expensive than £1000.

[@user-ge2qn6gp4o]

I live in the USA. I just bought a brand new bike. Since I took the MSF class full coverage is about 275 a year. When I was reading the policy I saw that my bike is covered if it gets hit by a missile. Thought it was the funniest thing ever.

[@nahladel]

petrol in Bavaria was anywhere from €1.50 - €1.70 last week, so at least on par with the UK.

[@ausguitarist]

yep in AUS we can just register the car for the road and drive. although in some states there is compulsory third party. which in my mind is a good thing. and it's pretty cheap. in Victoria where I am from this isn't the case. If you have an accident and it's not your fault, and the other bloke isn't insured. You will never see your money. The system is so screwed up they will end up paying you 20 bucks a week under a contract...

[@CharlesEtienneAuger]

I think that what people are forgetting is that for a young person, most of the insurance cost is related to one's personal civil responsibility more so than the vehicle they are actually driving. This is why the insurance cost is sometimes more, per year, than the replacement cost of the vehicle. If you are 20 years old, on a sports bike, you are more likely to have a massive crash because of several factors. Insurance companies evaluate the risks involved with you being on the road. That's what they charge for. They assume the risks. They don't charge for what it would cost to replace your vehicle if and when you damage it. What if you are 19 years old and driving downtown, distracted by your phone and perhaps an attractive lady or a nice car and you lose control and smash into a restaurant terrace and kill 4 people. That's going to cost a lot more than your inexpensive hatchback. In a more realistic example, one might run over a lamp post or a stop sign and such things, or injure someone else. My insurance costs dropped massively the second I turned 25 a few years ago and have been going down even since. I recently bought a brand new loaded VW Golf and my insurance only went up about 10% compared to my 10 year old bare bones Honda Civic. On bikes it's different. Here in Canada at least, if you ride a sports bike, you are an outlaw and should be punished to the point of deterring you from even considering purchasing a sports bike. Not because they are faster or more dangerous. It's because insurance companies assume that since you ride a sports bike, you're the wheelie pulling, speeding, care free stereotypical hooligan that is more at risk of having a crash than others.

[@mrcaboosevg6089]

My dad has got a licence for pretty much everything in the UK and he has insurance so he can drive vehicle that's already insured. His last crash was in the 70s and it's £83 a year and yet it costs me fucking £800 for a 125, even third party would be £600 which is half the cost of the actual bike...4 years of insurance cost i could buy the whole bike again twice

[@sjjw91]

If you think about it, If there was some sort of really cheap insurance, everyone would, (or most people), go for it. Which in turn, would mean that the company would have a larger pot to pull money from to pay for claims. So it would make it better for everyone involved.

[@jordanfitzgerald-fitzgeral7814]

I am Aussi, and you are right, we can ride/drive what ever we want, the only thing is that the bike/car has to meet a roadworthy and be registered and we can drive it.

[@asennad]

Dude, if I was your insurance company and saw these videos I wouldn't do business with you at all. Love the videos ...keep safe!

[@Roadified]

It's not only in uk mate. In Denmark we have second government called skat. They control taxes.

[@AlexTrubinDesign]

Right on man, I've been shopping for insurance for a month everyone wanted me to pay over $1000 got the cheapest plan for only 400 a year on a ninja 250R but no coverage what so ever.

[@joewarman1723]

3 years later and nothing's changed

[@BernardsSumner]

I've often wondered what the actual law on insurance is. I mean like if my parents were to write up a contract where they agreed to pay for any potential damages, would this count as insurance?

[@garithian]

G'day Baron, here in Australia I pay ~$700 a year for registration, and ~$1300 a year for insurance. Granted I'm only 22, had my license for 4 years but it's just a joke. I'm not sure about other states, but here in Victoria you can get booked for not having 3rd party insurance minimum.

[@Docdaugh]

Spot on Mate! How far do you commute each day? Oh yeah...how's the new baby?

[@GRAW247]

SO i'm 24 year old student (25 in April) with 7 years NCB. I have a Triumph Daytona 675R 13. £1050 fully comp, it's an absolute outrage, insurance in the UK is messed up. Something needs to be done!

[@mrparrotpeanut]

He is right. Over here in Australia, insurance is pretty fair

[@liggjasjoensen]

baron when are the videos about your trip coming mate :)? im looking forward for them :D

[@slyse7en]

In australia we have compulsory third party which you have to get, which is pretty cheap any covers anyone else you may hurt or damage you cause on the road. Then you can get your own comprehensive which for me is about $1000 a year. I do know of people paying $2000 a year + though.

[@glgallow2]

2012 1199 Panigale S, and I've never made a claim on my insurance. I've never gotten a ticket. My rate is going from $2400 per year to $4500.

[@maranganii]

When you register your vehicle here in Australia, you pay a registration fee which includes a cost for registration (~$90 or some shit), GST (shitty tax) and a TAC insurance fee (insurance that covers damage to roads/road services and any PERSON injured in an accident, it does not cover vehicle damage and costs around $400-600 depending on the vehicle/size of motorcycle engine). We don't have to have vehicle insurance in Aus, and it is also, fucking expensive, especially if you're under 25.