Ninja 250cc or Ninja 300cc?
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Thread: Ninja 250cc or Ninja 300cc?

  1. #1
    Registered User Array chefytech's Avatar
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    Ninja 250cc or Ninja 300cc?

    Hi,

    If I want to pay less insurance for the ICBC, should I get within the 250cc category?

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  3. #2
    This space for rent Array Stiffler's Mom's Avatar
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    Both are in same lowest rate class
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  4. #3
    Registered User Array Noir's Avatar
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    Quote Originally Posted by chefytech View Post
    Hi,

    If I want to pay less insurance for the ICBC, should I get within the 250cc category?

    Yes.

    The only insurance class lower than that is the scooter type under 49cc level - the type that doesn't even require a motorcycle license.


    As for deciding either or, I personally would rather have the Ninja 300. But seeing you want to pay less insurance, keep in mind that part of what determines your insurance rates is the declared value of the bike.

    Obviously a ninja 250 will have a lower "declared value" than a ninja 300 which will result in a lower insurance rate; how low? I have no clue, but I think you can get quotes from any insurance agent which will give you a ballpark figure for either bike for comparison.
    Last edited by Noir; 05-08-2014 at 12:08 AM.

  5. #4
    Registered User Array Mad.Child's Avatar
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    Full icbc coverage on ninja 300 is still 125/month with 35% discount fyi...used 250 will be cheaper by a decent amount due to replacement cost

  6. #5
    TeaBagger Array Grove's Avatar
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    Anything 50cc to 400 is all in the same bracket.

    I'd get a Ninja 300 over a 250 tho, more oomph an stock they will hit nearly 200km/h.

  7. #6
    That Skinny White Kid Array
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    I have an '11 Ninja 400. Still in the same insurance class, not sure what my discount is but it's under $40 a month to insure. Not full coverage, but not bare minimum either.
    11 Ninja 400
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  8. #7
    Registered User Array MrDsylexia's Avatar
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    The first bracket is 0-110cc (rate class 310). Then 111-400cc (rate class 311). Then 401-750cc (rate class 312). Then 751-1150cc (rate class 313). Then 1151cc+ (rate class 314).

  9. #8
    Self-proclaimed VIP Array digirat's Avatar
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    If you want to save money on insurance, get private insurance. Beacon right now costs $225 for the whole year for comprehensive and collision on a 2012 ninja 250 with a declared value of $4500. Make sure you write bcsb under "club member?". They give discounts if you're a part of a club. LOL.

  10. #9
    Registered User Array chefytech's Avatar
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    Thanks all. I will ask the insurance agent about the 300cc.

  11. #10
    Registered User Array BROSKI's Avatar
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    I'd go with a 300. Its Fuel injected vs the 250s which still got carbs. That a lone is a good enough reason to spend extra for a 300.

  12. #11
    Registered User Array
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    Quote Originally Posted by BROSKI View Post
    I'd go with a 300. Its Fuel injected vs the 250s which still got carbs. That a lone is a good enough reason to spend extra for a 300.
    That and it's available with ABS brakes, looks better, has better brakes even on the base model, the new SE has the best graphics IMO in Black/Silver.

    Had one in yesterday, 2013 with 38xxxkms on it....one year fellas. This guy is killing it as far as mileage goes, 38K in a year. Commutes every day and spends his weekends out riding, rain or shine.
    Then we have this other guy who didn't put enough oil in and caned the shit out of it and blew his up (connecting rod broken), had 1.1 liters of oil in it(hold just under 3). Thinks it's a warranty issue. Durp.

  13. #12
    Vanillla Gorilla Array Zug's Avatar
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    I have a WR250X (same rate class) and yes it costs me $650 a year for fully comp insurance. $400 Basic and then $250 fully comp with Megson on the island. That is declared value of $4500 with $2000 gear replacement as well. Can't go wrong with that kind of value.

    As for 300 vs 250, I would go for the 300 as well. Fuel injections is so much better than carbs, it is a much nicer looking bike as well, guess it will come down to price in the end, a 250 "should" be less than a 300.
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  14. #13
    :D Array
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    Go see Ena Cassells at AMC Cassells Insurance.
    Address: 454 W Broadway, Vancouver, BC V5Y 1R3
    Phone: (604) 876-0126
    Hours: Open today · 9:00 am – 5:30 pm

    They specialize in Recreational Insurance, so bikes, boats, etc. They also do homeowners insurance, so one stop shopping for everything. Mention BCSB and they go the extra mile. Mention me and you get a hug.
    Last edited by slingshot; 05-08-2014 at 12:01 PM. Reason: smiley

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