Yamaha Xmax 300. Insurance?

[Andym]

The Litelok will go through the Forza's back wheel and one shock.

Think I tried it on the front and it would do wheel and one fork leg, but I have a cheap nasty Aldi (but bright coloured) disc lock I use on the front. Let them smash that, then find the Litelok, or better still decide not to.

Andy

[Rich_H9]

Not sure if this works but trying to add a few photos of the LITELOK X1 on the Xmax, and showing an Arai Tour type helmet fits under the seat:

https://postimg.cc/kD41p6PB

https://postimg.cc/xk3xWLdb

[Rich_H9]

[PhilD]

Just been quoted £900 annual insurance on a 2026 Xmax 300. And only if l have an approved tracker fitted.
Currently riding a 2020 Burgman 400 with an annual premium of £260.
Both group 8 insurance group. And with 19 years continuous no claims insurance on a bike.
Someone somewhere is making a lot of money, or the bike is catnip for thieves.

Update: Wicked Quotes have come back with a like for like policy for £397. (Aviva).

[Andym]

Yamaha security is a joke, you can buy a "workshop emulator" on TEMU for under a fiver. One panel off, plug in, screwdriver the ignition barrel like it's 1985 and off you go stealing phones and delivering drugs.

Insurance groups ceased to have any real meaning once they had the ability to look at the data closely. The risk of you doing a hundred miles an hour into a bus queue is a small part that maybe varies with the machine. Your post code is a far bigger factor, followed by who else is buying the same model. Londoners buying scooter after scooter to replace the wrecked and stolen ones are an obvious bad bet to the insurance bookies.

Andy

[Leadfarmer]

Insurance is mad

My ADV350 costs 5 euros more to insure than my 1300GS, which has 5 times the power and is worth over 3 times as much

[Andym]

1300GS's on average, live in places with quite roads and other people who if they wanted one would just go buy one. The extra HP may increase the opportunity to damage things and hurt people, but that risk tops out, you aren't going to wipe out two bus loads of trainee concert pianists and rocket surgeons.

Many ADV 350's go to places where the locals want the agile twist & go for whatever criminal activities they are currently involved with. That's on top of the risk of actually riding them.

Modern insurance is 100% on statistics no logic. This is why TPO is often more expensive than fully comp. People who had to take TPO after claims self identified as risky, so anyone asking for TPO gets tarred with the brush. Same with security, people who live in quiet villages don't even think about extra locks, as soon as you do it's obvious you commute to some urban hole, so up goes the premium before they balance it against the no-locks people doing the same. Small numbers don't help. One owner crashing a Special Edition Manx Thruxton whatever can be 5% or all the data, one wrecked CBR125 isn't going to budge the average.

Andy

[mottza]

Tmax and x adv are the scrotes choice

[mottza]

Just bought a litelok x1 myself

[Andym]

Just bought a litelok x1 myself

Good locks.

I'm likely to upgrade when I switch bikes. The X3 or Hiplock DX1000 are ahead in the arms race with the scrotes. I'm currently switching the X1 from bike to bike, so it would live on the Cub.

Andy