Compare 50cc bike insurance from £282/year** & Meerkat Meals & Meerkat Movies*
Whether a retro scooter is your dream bike or your 50cc model is stop gap until you pass your full test, there's nothing like the feeling of freedom you get from life on two wheels. We can help you save money on your motorbike insurance – here's what you need to know...
If you're new to motorbikes, 50cc bikes have the smallest engines and are the first option for 16-year-old newbie riders looking for their own wheels. They come in both motorbike and scooter styles so you can choose the riding position you prefer Because they have such a small engine, they can't go very fast, but they are incredibly economical. This also means their insurance policies could be lower than faster bikes with bigger engines.
Provisional licence? No problem.
As soon as you've got a provisional licence and you've passed Compulsory Basic Training (CBT), you can ride a 50cc motorbike – remember you're legally required to have L-plates though.
If you don't pass your full theory and practical tests, you'll have to re-take the CBT every two years – but you can still carry on riding (with the L-plates) and even rack up years of no-claims discount if you don't need to make a claim.
There is a downside though – because you're still classed as a learner driver, insurance providers will see you as a bigger risk on the road and you'll probably find that your insurance costs are higher. In the long run it might make better financial sense to get that full licence and throw away those L-plates.
Different insurance providers include some things as standard while others make them add on's to a policy. Here are a few things to look out for when looking at different insurance quotes to check if they are included or not if they matter to you:
Tips for lowering your insurance premium
Insurance costs can be steep, especially for first-time riders, but there are a couple of things you can try to get that cost down.
Add a higher voluntary excess – this is the amount you'll have to pay if you make a claim alongside any compulsory excess'. Generally, the higher it is, the lower your insurance policy premium could be. But you need to make sure you can afford this if you do end up in and accident and have to claim.
Park in a garage – where you park can affect the cost of your insurance as it adds risk to your bike being stolen or damaged. Where possible, park on a private driveway or a locked garage.
There are three different cover levels but the details can vary between providers so check carefully:
Third party cover can be cheaper than fully comprehensive policies, which can be an advantage if your bike isn't worth very much – but make sure you check the price difference to see where you can get the best deal. But make sure you get the level of cover that you need.
Before starting your quote, make sure you have details of:
We'll also ask for your name, address, marital status, employment status and email address.
And don't forget, if you buy your policy by linking through from 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 partner, take your child, take your gran... but think about whether she'd want a lift on your bike!
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