Check out our guide to Motorcycle Insurance

Motorbike insurance for new riders

It's unsurprising that motorcyclists who have just passed their tests are keen as mustard to leather up and hit the road. Perhaps even more so than their four-wheeled counterparts, motorcycles hold a unique sense of freedom. And aside from any romantic appeal, they are incredibly efficient way of navigating Britain's increasingly congested roads, not to mention cheap to run. However, before getting mobile, it's imperative that your motorbike insurance is in order.

Having a valid motorbike insurance policy is the law. If you're caught riding without one, you are liable to be punished by a fine and possibly even a ban. A new motorcyclists present a higher risk to insurers due to their inexperience on the road, it can mean that getting insurance can be expensive. The premium is likely to be high, along with the compulsory excess, but it is still possible to get a good deal.

What insurance options are available?

Motorbike insurers usually offer three sorts of cover. These are as follows:

1. Third party

Here, injury to others and damage to their property is covered by the policy. It is the cheapest option, and offers no cover for your own bike.

2. Third party, fire and theft

This level of cover will provide third party cover plus cover for your bike if it is damaged by thieves or stolen. The cost of damage or loss by fire is also covered.

3. Comprehensive

This type of insurance is more expensive, but could give you more peace of mind as it will offer cover for your own bike.

Each insurer will have their own set exclusions – circumstances in which you won't be able to make a claim – so make sure you're familiar with them.

How is a bike's insurance premium calculated?

Insurers take a number of factors into account when they calculate your premium. As mentioned, age and driving history play a prominent role. Likewise, the value, rarity and performance of your bike, plus where you live are considered.

However, there are measures you can take to drive down the cost of your bike insurance. These are as follows:

Choose a sensible bike

While it's tempting to go for the fastest bike you can possibly afford, opting for a bike with a less powerful engine will make for cheaper insurance. Likewise, older, less valuable bikes can mean your insurance will be cheaper due to the lower costs for repairs and replacement.

Keep to factory specification

Having a bike which is free of modifications will help to keep your premium lower. Modifications, even if they seem insignificant, make your bike more expensive to insure due to the increased appeal to thieves and expense of replacing parts.

Restrict your miles

If it's practical and workable to do so, restrict your mileage. It means that you're less likely to be involved in an incident where you need to make a claim and should help to lower your premium.

Continue your education

Enrolling on an advanced motorcycling course proves to insurers that you're ready for some of the more challenging scenarios that may present themselves.

Invest in security

Upgrading your security measures might mean an initial investment, but the savings you make on your insurance could make up for it in the long run. But make sure that the device that you go for is approved by Thatcham, the Motor Insurance Repair Research Centre.

Park safely

Where you park your bike can make a big difference to your premium. If it's parked away from sight on a driveway, or better still, in a garage, then it should keep the cost of your insurance down.


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