What are the motorcycle insurance groups?

Key takeaways

• Motorbike insurance groups classify bikes based on their value, performance, and associated risk, influencing your premiums

• Motorbikes are typically sorted into 1 to 22 groups, with most motorbikes falling into groups 3 to 17

• More powerful bikes with rapid acceleration and high speeds generally have higher premiums due to the increased risk for insurance providers

What are motorbike insurance groups?

Motorbike insurance groups are the yardstick by which insurers classify bikes based on their value, performance, and associated risk.

They are a calculated tool designed to help insurance companies set premiums that reflect the potential cost of claims.

Generally, the higher the value and performance of your motorcycle, the higher the insurance group it falls into. This translates to a higher premium, as the insurer takes on more risk covering potential damages or loss.

What’s the difference between car and motorbike insurance groups?

Cars are categorised into 50 insurance groups, while motorbikes are typically sorted into groups 1 to 22.

The motorcycle insurance group system is less formal and can vary more between insurers, which is why it's essential to understand that the group your bike falls into with one insurer might differ from another.

Which are the cheapest motorbike insurance groups?

The lower motorbike insurance groups tend to be the cheapest and the good news is that most motorcycles fall into groups 3 to 17.

Generally, a 125cc motorcycle might find itself in groups 3 to 6, while a 250cc bike could go up to group 10. On the other end of the spectrum, a 750cc Ducati might be placed in group 17, reflecting its higher value and power.

Top tip: It’s a good idea to get quotes from different insurers, as they may have different perspectives on the same model.

I’m a new rider, which motorbike should I choose?

If you’re a new rider, the right motorbike for you depends on whether you have a full motorcycle licence or not. If you do, you can ride any size motorbike. Otherwise:

• Aged 16: 50cc mopeds only

• Aged 17-18: 25cc or below motorbikes

• Aged 19-21: Motorbikes with power below 35kW (47bhp)

• Aged 21-23: Any motorbike, provided you’ve ridden a 47bhp motorbike for two years

• Over 23: There are no restrictions

Regardless of age, if you’re a new rider, it makes sense to start with something lower-powered and easier to handle and to ride a more powerful bike once you have more experience.

Choosing a lower-powered motorbike should also mean it falls into a lower motorbike insurance group so your insurance premium should be lower.

What other factors affect my motorbike insurance premium?

Insurance companies also consider factors such as the likelihood of accidents or theft.

Younger riders or those living in areas with a high rate of theft may find themselves facing steeper premiums, especially because a lack of experience can make you statistically more likely to be involved in an accident.

Additionally, where you store your bike, be it in a secure garage or on the street, can have a significant impact on your insurance costs. Storing a bike in a garage is likely seen as safer than on the street, which affects insurance premiums.

There's no denying the thrill of a powerful bike, but with great power comes greater insurance premiums. Bikes that boast rapid acceleration and high top speeds are often seen as magnets for accidents and claims, which insurers reflect in their pricing.

Did you know?

Exceeding the speeding limit or riding too fast for the road conditions are some of the most common factors when motorcyclists are involved in fatal or serious collisions, according to the Department for Transport.

Which motorbike insurance group will my electric motorbike be in?

In general, electric motorbikes fall into higher groups due to:

• Their purchase price being higher than petrol models

• Parts, particularly the battery, being more expensive to replace

• There being a limited repair network

Which motorbike insurance group will my scooter be in?

Your scooter’s insurance group will depend on its value and engine size. Scooters typically have an engine size between 50cc and 150cc so will fall into lower insurance groups. Scooter insurance is generally cheaper than cover for more powerful motorbikes.

Which motorbike insurance group will my trike be in?

Your trike’s insurance group will be determined by factors like how expensive it is and how it’s built. A trike can be classed as three-wheel car or a three-wheel motorbike and you may need to look for specialist insurance cover.

How can I save money on my motorbike insurance?

If you're looking to save money on motorbike insurance, don't just settle for the first motorbike insurance quote you get. It's wise to shop around and compare what's on offer from different insurers.

This is where the variability in insurance group classification can work in your favour, potentially leading to significant savings.

Use a comparison service

In today's digital age, comparing motorcycle insurance quotes has never been easier. Utilising an independent and free bike insurance comparison service can give you a broad view of the market.

This step will help you make an informed decision before you commit to a policy and can be a game-changer in finding the best deal for your motorbike insurance.

Sam Meadows
Insurance Expert

Our expert says

Which insurance group your bike is classified in is an important factor in how much you will pay – and the good news is that there are opportunities to save money. It's not just about the bike; it's about the rider, the location, and a host of other factors. While groupings for cars are quite rigid, different insurers might place your ride in different groups, meaning that shopping around can, quite literally, pay off. Use a comparison site to compare quotes from across the market you will be revving away in no time.

Compare motorbike insurance quotes

Comparing motorbike insurance on MoneySuperMarket is an easy way to find a good deal without loads of hassle. Simply enter a few details about your bike and riding, and we'll show you quotes from different insurers all in one place. That way, you can quickly find the best cover for your circumstances.