As a learner and generally with a license younger than 2 years you are going to get knocked pretty badly. Not necessarily on premium but on excess for damn sure.
Normally with a learner's or young license you are looking at a R5000 excess for most bikes. R2500 otherwise. Then they sometimes have exclusions in the case of no third party being involved (crashing by yourself) etc.
On my Buell I got the "Harley Davidson" rate which was dirt cheap because statistically Harleys don't crash as much and when they do it's pretty cheap. Recall it being R380 for the bike and all gear insured.
Got a quote on a 2013 Street Triple for R450 a month without gear. That's with a license for 10 years and a claim in the last three years.
1) That's pretty average really and don't believe anything anyone tells you about needing a bigger bike because you are fat/heavy/tall etc. That's ego talk once again.
2) PLEASE PLEASE PLEASE don't make the mistake of skimping on gear or "getting it later".
A decent helmet is going to cost your R2500, Gloves are R500 and up and a decent jacket probably R1500 if you look in the right places or buy on special.
Have a look here for some realistic ideas on pricing.
http://worldofaccessories.co.za/
Trust me you do not want to skimp on a helmet in particular and especially not buy one of those dodgy chinese specials that doesn't even have any testing certification. You only realise how important this is when the tar is scraping against your head and passing your face at 120km/h while you are doing your very best to emulate drifting with your body.