Yamaha R6 help | GTAMotorcycle.com

Yamaha R6 help

ScottMoto

Active member
So long story short I've been obsessed with supersports since I was a kid, ill be 25 next month and I finally have the money to buy a 2020 Yamaha R6, I've been riding a CBR500r for 3 years now (just to build experience for the R6).
How does anyone get a decent rate, I will pay anything on insurance below $650 a month.
Is there any company that will cover me?
 
So long story short I've been obsessed with supersports since I was a kid, ill be 25 next month and I finally have the money to buy a 2020 Yamaha R6, I've been riding a CBR500r for 3 years now (just to build experience for the R6).
How does anyone get a decent rate, I will pay anything on insurance below $650 a month.
Is there any company that will cover me?
Yikes. Start calling brokers. We have a few that advertise here. I think your budget is crazy but I suspect you can find insurance cheaper than that (assuming you mean per calendar month not per riding month).
 
You'd pay 7800$ per year just for the ability to ride an R6 on the street for one year, holy you are hooked.
Try whoever you have household insurance with, if you don't have such a thing consider inquiring through a broker for tennant insurance. Then hopefully you will have an insurance company that wants your business.
 
You do realize, the reason they don't want us riding nice high performance motorcycles
is because they can easy handle twice the posted speed limit.
 
You do realize, the reason they don't want us riding nice high performance motorcycles
is because they can easy handle twice the posted speed limit.
Insurance companies don't care how fast they go. They care how often they have to pay. The people that choose to ride SS on the street are closely correlated with the people that crash. Probably more to do with personality than the hardware.
 
J
You'd pay 7800$ per year just for the ability to ride an R6 on the street for one year, holy you are hooked.
Try whoever you have household insurance with, if you don't have such a thing consider inquiring through a broker for tennant insurance. Then hopefully you will have an insurance company that wants your business.
Honestly the reason I wake up and go to work every morning is because of how bad I want that bike, im sure a lot of us on the forums are the same way, $7800 yearly is a small price to pay for happiness lol
 
You do realize, the reason they don't want us riding nice high performance motorcycles
is because they can easy handle twice the posted speed limit.
well this is a bunch of malarkey.
 
J

Honestly the reason I wake up and go to work every morning is because of how bad I want that bike, im sure a lot of us on the forums are the same way, $7800 yearly is a small price to pay for happiness lol
Yes if only that was the cost to ride, but that is Just the cost of your insurance, you have a whole bunch of other expenses to get to that point.
 
well this is a bunch of malarkey.
:LOL:
you can't pull twice the posted limit, or insurance companies want us riding high performance motorcycles
 
Is Wawanesa going to be my best bet? Its been hard to get a hold of them.
I don't think they will touch you for 2 or 3 more years. But you should still try.
 
J

Honestly the reason I wake up and go to work every morning is because of how bad I want that bike, im sure a lot of us on the forums are the same way, $7800 yearly is a small price to pay for happiness lol
This is a fair argument, but let's not kid ourselves about the price to ride.

If you rode from April to November that's 8 months, if you paid the above rate that's $975/month to ride an R6. Let that sink in...$1,000/month to ride in opportunities not much faster then the 500 is already providing.

Kudos to you for already starting on something else, i'd say you have another 3 years of ticket/claim free riding before insurance companies won't laugh at you when you ask for a quote. The good news is even at 8/months riding per year that's only 24 months of waiting instead of 36 based on riding seasons.

If i were you, keep what you got and make the money work for you instead. Or spend it on track days/track bike for a few years until you do pass that magic thresh hold into affordable super sport ownership.
 
So long story short I've been obsessed with supersports since I was a kid, ill be 25 next month and I finally have the money to buy a 2020 Yamaha R6, I've been riding a CBR500r for 3 years now (just to build experience for the R6).
How does anyone get a decent rate, I will pay anything on insurance below $650 a month.
Is there any company that will cover me?

So...you want something sleek, sexy, sporty, and easy to insure?
Check with your insurance brokers first but...have you considered something like a Ducati Supersport? Or the new aprilia 660 RS?

They more than fit the bill, and probably way more usable power than a peaky Inline 4 with a 16k redline
 
So...you want something sleek, sexy, sporty, and easy to insure?
Check with your insurance brokers first but...have you considered something like a Ducati Supersport? Or the new aprilia 660 RS?

They more than fit the bill, and probably way more usable power than a peaky Inline 4 with a 16k redline
I dislike rr on the street. Just itching to go and dont settle down until you are at crazy speeds. Never tried one on a track but I could see how it could be addictive.
 
I dislike rr on the street. Just itching to go and dont settle down until you are at crazy speeds. Never tried one on a track but I could see how it could be addictive.
R6 is the worst for the street (imo). Most agressive ergos and it's completely gutless under 9k. Then it gives you everything at once. Can just imagine some mid corner mishaps while getting throttle happy.
 
i think your best bet is just to call everyone and record the rates you get. youre 25 now im assuming with your full license and hopefully a clean record. rates drop off first at 21, then next at 25. you also have 3 prior years i think theres got to be some options out there for around 2.5-3 grand. but call everyone, TD gave me astronomical quotes but the other guy next door gave me half that, call every company you can even if it takes you a few weeks to do so. goodluck man!
 
J

Honestly the reason I wake up and go to work every morning is because of how bad I want that bike, im sure a lot of us on the forums are the same way, $7800 yearly is a small price to pay for happiness lol
Start calling the insurance agents, I'm sure there should be at least one that would provide a decent rate. I have no history of motorcycles here in Canada and just for the heck of it, I called insurance agents to check about rates for a Daytona 675r. I received quotes around 375 pm. But I'm 30+ though.
 
While it makes me sad that sportbikes cost so much for younger folks to run, I don't see why we should try and talk a guy out of a bike he clearly lusts after. Not many of us are on NC700's, so everyone draws their 'practical' line somewhere different. The R6 is one of the truly iconic bikes for a reason. If you really want a supersport, and are going in knowing the risks and costs, why not?

He's followed the rules of grouchy motorcycle forums and has ridden something a bit sedate for a few years, and is clearly willing to pay for the privilege. Fair play and good luck. I rode a ZX-10R for years, 95% on the street, and loved it. I even did shorter 4-5 day tours on it, which weren't much fun on the superslab, but it paid off in spades when arriving at the twisties. My biggest problem was fiddling with the soft luggage, to be honest.

As for the question at hand, everyone has already answered, but I'll repeat: start with a few brokers who specialise in bike stuff, like Mitchell & Whale and NFP. Once you have their best quotes as a baseline, then work your way through the rest of the non-broker lines, particularly if you have home and car insurance you can combine. I would expect you'll get your best rate from a broker, but it doesn't hurt to try everyone. I know that's not very earth shattering, but there's no secret sauce in this messed up province...

(To the OP if you do end up with a sportbike, here's my tut-tutting old fart bit: Be smart and considerate about where you speed, wear good gear (all leather and a CE2 back protector), know your roads, and learn The Pace. Ride with people better than you if you can, but never, ever with folks who give you grief if you can't keep up. Oh, and do a trackday sooner than later, even if you're worried about possibly being a bit slow. Even better, do a track school like FAST, Racer 5, Super Sonic or Pro 6. The cost is minimal compared to what you'll be paying in insurance anyway, and it'll help you get the most out of your bike...)
 
Track days (y) That's where you get to ride your motorcycle on a closed course with no insurance coverage.
Get hurt there and you have to go to a hospital, just like when you hurt yourself any other time that you hurt yourself.
 

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