Comparing young riders motorbike insurance
Want to escape being chauffeured around by your parents and get some freedom? Motorbikes, mopeds and scooters are an awesome way to get around without breaking the bank. Here's what you need to know about motorbike insurance if you're a young rider.
Frequently Asked Questions
How young is a young rider?
Generally, young riders are classed as being under 25 years old. You can start riding a 50cc bike after passing Compulsory Basic Training (CBT) – with a provisional licence – at 16 years old.
There are restrictions on the type of bike young riders can ride, as well as the type of licence they can hold.
Insurance premiums are usually based on experience, and how much of a risk you are on the road, so young bikers tend to get a rough ride when insuring their first wheels.
What type of motorbike licences are there?
There are different types of motorbike licence for people of different ages and experience, and types of bike.
First, you'll need a provisional Category A licence – this just tells the DVLA that you're a new driver – then you'll need to take a theory and practical test for each licence.
- If you're 16 or over – AM Moped licence: This means you can ride a motorbike, moped or scooter up to 50cc
- If you're 17 or over – A1 Motorcycle licence: This means you can ride a motorbike or scooter up to 125cc
- If you're 19 or over – A2 Motorcycle licence: This means you can ride a motorbike up to 500cc engine size
- If you're 21 or over – Unrestricted A Motorcycle licence: This means you can ride any size and power motorcycle or scooter
If you're 17 or over you can ride a bike up to 125cc after your CBT, without taking your full licence – as long as you have L-plates. This can mean a slightly more expensive insurance premium though, because as long as you're on a provisional licence, you'll be classed as a learner rider.
Why should I compare bike insurance?
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. We offer motorcycle insurance comparison to help you find a range of quotes, so that you can get insurance that's right for you.
What you’ll need to tell us
We'll need some details about you and your bike to find the right quotes for you. We'll ask:
- marital status
- email address
- riding history – whether you have a full or provisional licence and how long you've been riding for, including any claims or driving convictions
About your bike
- make and model
- registration number – if you haven't bought it yet or can't remember the reg, you can select the type of bike manually using our lists
- the year it was manufactured
- any modifications after manufacture
- the value of your motorcycle
- the date you bought it
If you haven't yet bought a bike because you haven't made up your mind about the right model, it might be worth comparing your potential options, so you can see what impact your potential choice could have on your insurance premium so you can factor this into your annual running costs .
To see more about the classic motorcycle makes and models check our Motorbike Manufacturers hub.
Policy options – what do I need?
These policy options might be included by some insurance providers, and are add-ons for others, but they're all pretty useful for bikers.
- Breakdown cover – if your bike breaks down you'll be rescued by roadside assistance as a minimum
- Legal expenses insurance – your legal costs could be covered if you're involved in a road accident and need to make a claim, or if a driver makes a claim against you
- Personal accident cover – if you're injured in an accident you could be paid a lump sum to help you through any financial difficulties resulting from the accident
- Helmet and leathers cover – biker's gear can be expensive, but this covers the cost of replacements
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?