Don't ask about insurance here.
Call AMI, Protecta and whoever else you can think of, and get quotes.
My advice to you is, you're young, you'll want this thing to work when you push the button, not be an endless pit for money and time. (You can do that later when you have your own garage and a wife to piss off...)
If you want a sprotty 250, be prepared to spend 5-7K on a ZXR or CBR250.
Or buy a new GSX250 for 6K. They're OK.
You'll probably be able to find an NZ-new VTR250 for about the same price as one of those ZXR/CBRs. It'll be a lot slower, though.
If you buy a fast 250 for 3K or less, there's a good chance you'll end up with a list of stuff that needs fixing, and a bike that spends all its time sitting out the back of your driveway waiting for you to afford the workshop bill to get it going again. Not to say that it *has* to be that way, but you'll run the risk.
If you want to spend under 3K, buy a GN250.
Don't buy a second-hand two-stroke. They're like hookers and still-warm toilet seats. Feels good, but you keep wondering who was there last, and what they did on it.
kiwibiker is full of love, an disrespect.
- mikey
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