Motorbike insurance for young riders
Find out what young rider motorbike insurance includes, how much it might cost and how to save on your policy.
Insurance for young drivers is notoriously expensive, and motorbike insurance is no different. Insuring a motorbike, moped or scooter is usually not quite as pricey as insuring a car, but you’ll still pay more as a young rider than older people do. We’ve looked at how you can find affordable motorbike insurance for young riders and what it includes.
What is classed as a young rider?
A young rider is usually classed as anyone under the age of 25.
It’s legal for riders who have completed compulsory basic training (CBT) to start riding a 50cc bike with a provisional licence from the age of 16. However, there are restrictions on the type of other motorbikes young riders can ride as well as the type of licence they can hold.
What policy options do I have as a young rider?
In most cases, you’ll be able to choose the same levels of cover on offer for standard motorcycle insurance policies:
- Third party only. This is the minimum level of cover that all UK drivers are required to have by law. Often the cheapest option, it only protects you if you cause harm to other people or their property and doesn’t protect your motorcycle against any type of damage.
- Third party, fire and theft. This policy offers all the same benefits as third party cover as well as protection for your bike against fire and theft. It can be a good option if your motorbike is old and might not be worth repairing in case you have an accident.
- Comprehensive. This is the most complete form of insurance you can get, so if you’re looking for top cover, this is the option for you. Specifications vary by provider, but comprehensive motorbike insurance covers you for most eventualities, except for those outlined in your policy exclusions.
For young riders, there may be limitations on what type of bike you can ride. Check the policy details to make sure it has the right type of cover for you.
What level of cover do I need?
You must have at least third party cover to legally ride on UK roads, but whether you just get this or opt for a higher level is up to you.
For older bikes that may not be worth the expense of repair in case of an accident, a third party, fire and theft policy might be better value. However, a comprehensive policy can sometimes be cheaper, so make sure you get quotes for all levels of cover to find the best option for you.
Why should you compare motorbike insurance as a young rider?
Insurance for young riders is usually pricey across the board, but different insurers offer different cover levels and prices. Shopping around and comparing policies means you can find the best policy for you at the best price, which will vary from person to person.
Will my age affect the cost of my insurance?
Yes. Insurers look at a variety of factors when calculating insurance premiums, the age of the rider being one of the most important ones.
When deciding how much to charge you for your insurance, providers evaluate how much of a risk you are. This means, how likely you are to make a claim and cost them money. Statistics show that young drivers tend to make more claims than drivers over the age of 25, which is why insurance for this age group is more expensive.
How much does young riders motorbike insurance cost?
This will vary by provider and will be affected by your personal details and circumstances.
Some factors that can affect the cost of your premium include the following:
- Your age
- Where you live
- Your job (if you have one)
- The type of motorbike licence you hold
- Your riding and claims history
- How many miles you ride per year
- Whether you use your bike for commuting during rush-hour traffic
- The make, model and engine size of your bike
- How much your bike is worth
- Where you store or park your bike when it’s not in use
- Any modifications you’ve made to your bike
- Any security features your bike has
How can I get cheaper motorbike insurance as a young rider?
There are several ways you can keep the cost of your premiums down:
- Choose a cheaper bike. Rare and expensive bikes cost more to insure as they cost more to repair and replace. Additionally, fast, light motorbikes, like small sports bikes, also mean higher premiums. Making modifications to your bike or getting a bike with a larger engine can up your insurance costs as well.
- Add an experienced rider to your policy. Adding a parent, guardian or other older relation to your policy as a named rider can reduce the cost of your insurance. However, make sure you are still named as the main driver. Failing to do this is called fronting and is classed as insurance fraud.
- Get an advanced rider qualification. Consider taking a motorbike training course, such as an accredited riding safety course. This will make you less of a risk for the insurance company, which can mean discounted rates.
- Only pay for what you need. While it’s tempting to add optional extras to your policy, like pillion cover and legal expenses insurance, only add these if you genuinely need the cover as they will make your premiums higher.
- Increase your excess. Increasing the amount of voluntary excess on your policy can reduce the cost of your premiums. However, you will need to pay this if you make a claim, so make sure it’s an amount you can afford.
- Store your bike safely. Where you keep your bike overnight or when it’s not in use will affect the cost of your cover. If you have the option to park your bike on a driveway or in a garage, this can reduce your premium.
- Drive carefully. This seems obvious, but avoiding getting into accidents will definitely help keep your premiums down. Any claim you make is likely to lead to higher premiums on renewal, whereas maintaining a no-claims bonus over time can make a real difference in reducing your costs. While there is currently no black box insurance for motorbikes, driving fewer miles per year will also help keep costs down.
- Shop around. Finally, make sure you get quotes from as many different providers as you can. Each will have their own policy spec and different prices, so shopping around will help you find the best cover for you at the best price.
What extra insurance cover can I get as a young rider?
The optional extras on offer will vary by provider but can include the following:
- Breakdown cover
- Legal expenses insurance
- Personal accident cover
- Helmet, leathers and accessories cover
What do I need to get a young riders motorbike insurance quote?
To get a quote for young riders insurance, you’ll need to provide some basic information about you and your bike. This can include the following:
- Your personal details, like age, job and address
- Details about your bike, including age, value, make and model
- The type of licence you have
- Your average annual mileage
- Where you store or park your bike when not in use
- The type and level of cover you want
- Any optional extras you want to add
- Your claims history
Motorbike insurance for young riders tends to cost more than motorbike insurance for riders over the age of 25, but it is generally cheaper than car insurance for the same age group.
Your choice of bike can affect your premiums, and there are limits on what bike you can ride while under a certain age, so make sure you check all of these things before you purchase your motorcycle.
Shop around and compare policies to find the best deal for you and only add optional extras if you really need them.
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