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Motorcycle insurance frequently asked questions

Motorcycle insurance is one of the biggest costs involved in driving your motorcycle. Whether your trip is a scooter or a sports bike, it is best to get the best price insurance policy that covers everything you need.

What determines the cost of motorcycle insurance?

Your personal details

In the insurance business, age is a determining factor of risk. Male passengers under the age of 25 are considered to be the most likely to file a claim, while women and older passengers are most likely to receive lower premiums. Occupation can also come into play when factoring in premiums, depending on whether coverage makes up for time lost from work.

Where do you live

A big influence on the cost of your car insurance is where you live. The possibility of your car being robbed or stolen is a key concern for the insurer. More urban areas traditionally face a higher risk of theft and therefore tend to be more expensive than rural areas.

The type of bike you have

The type of bike you own can greatly affect your premium insurance. Naturally, a more expensive bike will cost the insurer more to repair or replace. Motorcycles with better engines and faster speeds will pose a greater risk of collision as well as damage from an accident.

Older model bikes may require more maintenance and difficulty securing replacement parts. For motorcycles over 20 years old, it would be wise to find an insurer that specializes in motorcycles and classic cars.

Who else will ride a bike?

Adding another rider to the policy will affect the total cost. Adding an experienced motorist will generally lower your premium. Conversely, adding a younger person can increase costs.

As each insurance company weighs these factors differently, you will find fluctuations in the prices they quote. The cheapest rates are very likely to find the best fit for your particular risk formula.

Use of the bicycle

The more often you ride your bike, the more likely you are to be in an accident. In addition, the bicycles used to commute represent a greater risk than those used for pleasure, due to the difference in traffic. Residents living in high-traffic zip codes may also experience higher insurance costs.

Security and storage measures

Theft represents another concern for insurance companies when calculating premiums. Alarms or anti-theft devices, such as an immobilizer, bicycle lock, or ground anchor, can mitigate this risk. In some cases, an insurer may recommend a specific brand or anti-theft device to its consumers.

Parking your bike in a garage can further alleviate theft problems. Insurance companies will also consider the crime rate in your zip code before deciding on a quote.

Previous claims or convictions

Passengers who have made previous claims or suffered driving convictions present a higher risk to insurers. If you fall into one of these categories, it may be best to look for a company that specializes in insuring convicted passengers.

Your excess

The excess is the amount of any claim that your insurer expects it to cover. For example, if you are riding a bicycle and have an accident, your bicycle now needs £ 1000 worth of repairs and your excess is £ 100, you will have to pay £ 100 and your insurer will pay the rest.

The higher the cost you are willing to absorb, the lower your premium. Having a high excess is ideal for cyclists who travel infrequently or on less traveled roads. Those who commute may want a lower franchise to file a minor accident claim. This, in turn, will raise the cost of insurance.

Claims discount

Save your no-claims discount by avoiding making small claims on your policy. After a set number of years, typically 4 or 5, you will often be offered the option to pay a small additional premium to protect your bonus without claims. This can be very useful if you have an accident later.

Advanced driving skills

By taking an advanced driver’s course, you can also lower your premiums. The Institute for Advanced Motorists and the Royal Society for Accident Prevention offer memberships that give you discounts on both the cost of driving courses and your auto insurance premiums. Two key variables that are NOT under the control of the insured

Consolidate policies

By insuring multiple vehicles with the same insurer, or trying to purchase home and life insurance through your auto insurer, you may be able to get a “bulk purchase” discount.

One last tip

Currently, a large percentage of insurance is sold on the Internet. That is because it is convenient and cheap. Many insurers now offer an additional 10-15% discount if you buy online.

Coverage level


This covers the policyholder against damage to the property of a third party or the third party himself. Third-party-only bicycle insurance coverage is typically a cheap motorcycle insurance policy compared to third-party fire and theft insurance or comprehensive motorcycle insurance.

For example, if you have an accident with another vehicle and it is your fault, the Third Party Only policy will pay for the repair of that other vehicle and will pay for any medical claims or injuries sustained by the occupants of the other vehicle and their passenger. A third-party-only bicycle insurance policy will not pay for your own vehicle repair costs or pay anything for your medical expenses if you are injured. Also, if your vehicle is stolen or set on fire, an exclusive third-party policy will not make any payment for the theft or repair of the vehicle.

Fire and theft of third parties

This is exactly the same as the third party only motorcycle insurance policy, set out above, however a third party fire and theft motorcycle policy in the UK will pay in the event your vehicle is stolen or set on fire.

Completely comprehensive

A fully comprehensive UK motorcycle insurance policy will pay for third party damage and injury, it will pay in the event your vehicle is stolen or set on fire, and it will also pay for any damage to your own motorcycle, regardless of who is at fault. the accident was.

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