Guide to 150cc motorbike insurance
Key takeaways
Understanding legal requirements and typical protections for 150cc motorbike insurance is essential for compliance and coverage against various risks
The cost of 150cc motorbike insurance depends on the specific make and model, the rider's experience and the bike's storage conditions
Practical advice for reducing insurance costs includes matching coverage to needs, comparing quotes, and enhancing bike security
Do I need insurance for a 150cc motorbike?
In the UK, it is a legal requirement for all motorbike owners to have insurance. Riding a 150cc motorbike without insurance means you could be responsible for expensive damage costs. But worse, you might face legal penalties, including large fines or a suspension of your driving privileges.
What is included in 150cc motorbike insurance?
When looking at insurance options for your 150cc motorbike, you will need to consider the various coverage types available. Each offers different protection levels based on your needs and budget:
Third-party insurance
The most basic form. It covers damages to others and their property if you cause an accident. It does not cover your injuries or motorbike damage.
Third-party, fire and theft insurance
Includes third-party coverage but also protects your bike against theft or fire damage.
Comprehensive insurance
The most extensive option. It covers your motorbike damage, your injuries, and third-party property damage, regardless of fault.
Additional security layers can also be added to your policy:
Breakdown cover
If your motorbike breaks down, this generally assists with towing and repair costs, helping you return to the road faster.
Legal protection
Can support legal expenses if you need to initiate or defend a claim after an accident.
What is not included in 150cc motorbike insurance?
Common exclusions include:
wear and tear
mechanical failures
damage from racing
Always read the fine print to ensure you are aware of what your policy covers and excludes, avoiding surprises when making a claim.
How much does it cost to insure a 150cc?
The cost of insuring a 150cc motorbike varies widely and is influenced by a number of factors - chiefly the rider's age, experience, and location. Younger riders often face higher premiums due to perceived inexperience, while those in urban areas may see increased rates due to higher theft and accident risks.
Additionally, the motorbike's specific make and model affect insurance costs - high-performance bikes usually attract higher premiums because of their increased risk and replacement costs.
For example, a young rider in a bustling city might pay significantly more than an experienced rider in a rural setting. However there are ways to potentially reduce your insurance premiums, such as choosing a less flashy model or completing advanced riding courses.
How can I save money on my 150cc motorbike insurance?
Match your coverage to your needs
Choose the right insurance level. Consider your riding habits, bike's value, and usage frequency. This prevents overpaying for unneeded extras.
Compare quotes
Premiums will often vary between providers, so shopping around is beneficial. Use our comparison tool for easier, efficient comparisons.
Boost your bike's security
Improve your bike's security to cut insurance costs - you should consider installing an approved alarm or immobiliser, and storing your bike securely overnight, as insurers reward these measures with lower premiums.