Comparing young riders motorbike insurance
Although many youngsters dream of driving their own car once they past their test, the expense involved in the buying and upkeep of even a second hand vehicle can be too high for many. A motorbike or scooter is often a cheaper and more convenient option for zipping to work, mates’ houses or uni lectures. But whether it’s a 50cc, a 125cc or a classic bike, you’ll need insurance (and probably some breakdown cover, especially if you’re taking out a gap year to bike around Europe). Here’s our guide to getting the best coverage for budding Easy Riders.
Starting the comparison
If you’re under 25, riding a motorbike or scooter is a great and fairly inexpensive way to get around. Whether you already have your dream bike or you’re waiting to pass your full bike test, there’s nothing like the freedom you get with life on two wheels.
There are plenty of different providers out there so it can be hard to find a good value policy, especially if you just run a couple of quotes on motorbike insurance sites. That’s why comparethemarket.com offers motorcycle insurance comparison, to help you find a range of quotes so that you can get insurance that’s right for you.
To see list of bike insurance quotes just complete our quote form. We’ll need your name, address and the registration of your bike. If you haven’t bought it yet or can’t remember the reg, you’ll still need to enter some details to get a quote, so select the type of bike manually using our lists.
Completing the form
Next we’ll ask you about your marital status, job and for your email address – so that you can come back to the quote again later if you need to. Then we need to know about your riding history – whether you have a full or provisional licence and how long you’ve been riding.
The next page asks about your bike. Bear in mind that a number of things can help you reduce your premium, such as fitting an approved security device to it could make your policy cost less, and so could parking it in a locked garage.
We’ll ask you for the current market price of your bike or scooter. Be as accurate as possible with this because it could mean your underinsured on your motorbike insurance. Then there are some questions about the kind of bike insurance you need, and then you’ll be presented with a list of motorcycle quotes.
They’re listed in price order, so the cheapest bike insurance quotes are at the top. The prices listed are the total annual price, but if you prefer to pay monthly these costs are shown too. We also show you at a glance what’s included in the policy. The main four we show are breakdown cover, motor legal protection, NCD protection and personal accident cover.
If breakdown cover is included, you’ll be able to call for roadside assistance if you get a puncture or your bike breaks down. This might be useful if your bike is quite old, has high mileage or you’re often far from home.
Motor legal protection could help you if you need to recover uninsured losses following an accident. For example if you are injured and unable to work due to an accident that wasn’t your fault. It could also help if you need to pay legal costs if someone makes a claim against you for an accident you caused.
If you’ve built up a few years’ no claims discount, you could protect it so that you keep the discount in future even if you make a claim.
Another option is personal accident cover, which means you could receive a lump sum if you are injured in an accident. Make sure to check the maximum limit for this cover. Some people also want to insure their bike helmet and leathers, as these can be expensive to replace. Some policies include helmet and leathers cover, others offer this as an add-on.
Cutting the cost
If the prices are more expensive than you were hoping, there are a few things you could try. First, if you put in a higher voluntary excess in the box at the top of the page, it could bring each bike insurance quote down. Doing this means that you could have a cheaper policy just make sure you can afford the excess if you do need to make a claim.
You could look at third party, fire and theft policies, by adjusting the options in the box at the top of the page. Third party cover can be cheaper than fully comprehensive policies, but they only cover the cost of damage to other people and property, not your own bike. This could be OK if your bike isn't worth much, but if there’s not much difference between this cover and comprehensive insurance, you could get more protection with comprehensive.
Always read the details
Once you’ve chosen the most suitable motorcycle insurance, click through to buy the policy online, or call the insurance provider to discuss it in more detail. Make sure you read all the details of the insurance before you buy it so that you have the right cover in place – it may not be the most exciting reading you’ll do this week, but it’s important.
Don’t forget, if you buy your policy through us, you will benefit from the fabulous MEERKAT MOVIES! You can get 2 for 1 cinema tickets on Tuesdays or Wednesdays, every week for a whole year.* Take your boyfriend or girlfriend, take your dad, take your gran… but will she want a lift on your bike?