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Motorbike Insurance For Young Riders

Find Cheaper Motorbike Insurance For Young Riders

Jake Edmonds
Written by  Jake Edmonds
5 min read
Updated: 27 Feb 2024

Young motorbike riders will often have to pay higher insurance costs because they’re new to the road and haven’t managed to get much experience. But there are some things you can do to help keep the cost of bike insurance as low as possible.

For many young riders, the thrill of the open road and the sense of freedom that comes with riding a motorbike is an unrivalled experience.

However, this excitement often comes with a hefty price tag when it comes to insurance. Motorbike insurance is more costly for young drivers, due to their lack of driving experience, which insurers associate with a higher risk of accidents and claims.

But don't let this dampen your spirits. There are steps young riders can take to reduce their insurance costs.

What affects the cost of motorcycle insurance?

When it comes to the cost of motorcycle insurance, several factors come into play. Insurers will look at:

  • Your age: Younger riders are seen as higher risk

  • The make and model of your bike: Some models are more expensive to insure

  • Your bike’s value: More expensive bikes generally lead to higher premiums

  • Your bike’s engine power (CC): Higher power can increase insurance costs

  • The type of licence required to ride the bike: This can affect the risk profile

  • Your riding history and no claims bonus: A clean history can lead to lower costs

Understanding these factors can help you make informed decisions about your motorbike and your insurance.

Young man on motorbike

What type of motorbike insurance do you need?

Choosing the right type of motorbike insurance is crucial, and there are three primary types to consider, each varying in cost.

Fully comprehensive bike insurance

This insurance is the most extensive, covering your bike in an accident, damage to others' property, and any injuries. It may even offer basic overseas coverage.

While it can include extras like cover for keys, helmet, leathers, and a courtesy bike, it's generally more expensive due to the extensive coverage it provides. Most policies require you to add breakdown cover or legal fees cover as extras.

Third party, fire and theft bike insurance

A middle-ground option, this insurance covers damage or loss due to fire or theft and liability for damage to others in an accident you cause.

However, it doesn't cover damage to your own bike not caused by fire or theft. It often includes overseas coverage, with options to add breakdown, personal accident, and legal protection.

Third party only bike insurance

The most basic and usually the cheapest option, this insurance only covers damage to others if you're at fault in an accident. It does not cover your own bike.

It typically offers the same level of coverage abroad. Policy documents should be read carefully to understand what is included and what requires additional cover.

Tips to keep motorbike insurance costs down

Young riders can take several measures to reduce insurance costs:

  • Choose a bike with a smaller engine: This can lower potential claim costs

  • Drive safely: Avoid points or convictions and reduce accident risk

  • Keep your bike safe and secure: Decrease theft risk and insurance cost

  • Enhanced riding qualifications: Earn a DVSA certificate, reducing insurance costs

  • Don’t modify your bike: Unless for security, as modifications can increase insurance costs

  • Keep the miles down: Reduce accident risk and insurance premiums

  • Increase your voluntary excess: Lower monthly payments, but pay more when claiming

  • Decide whether you need pillion cover: If you don't carry passengers, you can save on insurance

  • Add a named driver: Suggest less usage, but ensure the policy reflects the main rider correctly

Compare motorbike insurance quotes for young riders

To make the process of finding the right insurance easier, MoneySuperMarket has partnered with Vast Visibility to help compare motorbike insurance quotes. You can filter by cover type and see policies listed in price order, ensuring you find the best deal for your needs.

Some policies allow adding features for personal accident, breakdown, or legal protection. After comparing, you can buy insurance directly from the provider’s website, giving you the peace of mind that you're covered for your next ride.

Riding a motorbike is a passion, and while insurance is a necessary part of the experience, it doesn't have to break the bank.

By understanding what affects your insurance costs and how to manage them, you can keep your focus on the joy of the ride. Stay safe on the roads, and happy riding!

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