Bike Insurance for First Time Riders
If you're looking for bike insurance as a first time rider, Hastings Direct can help. There's nothing quite like the experience of riding your very first motorbike but it can be a lot easier to concentrate when you know you are covered for unforeseen events.
Did you know that younger riders are much more likely to have an accident and make a claim than their older peers? For this reason, insurance companies have no choice but to charge them higher premiums.
Whilst there is nothing you can do about your age, there are a few things you can do to prove your proficiency on the road. Over time, you will no longer be seen as a first time rider and you might even find that the cost of your motorcycle insurance goes down too.
First time riders: Tips for lowering bike insurance premiums
Size matters
In the UK, a learner motorcycle has an engine up to 125 cc and a power output not exceeding 11 kiloWatt (kW). Once you pass your practical test, you will be restricted to riding a bike of up to 25 kW and a power/weight ratio not exceeding 0.16 kW/kg for two years. A smaller engine can reflect a more responsible attitude so it may cost you less to insure.
Stay squeaky clean
You wouldn't want to increase your premiums any more as a first time rider, so try to keep a clean licence and a good riding record. Within two or more years, you might notice a reduction on future premiums, which could open the doors to a world of bigger and more exciting bikes.
Keep learning
As with many things in life, further training can work wonders. If you want to demonstrate your maturity as a rider, the DSA Certificate of Competence - Enhanced Rider Bonus can prove your proficiency as a rider. Not only that, but it will make you a better rider and keep you safe.