Bike Insurance for Young Riders
If you're looking for bike insurance as a young rider, Hastings Direct can help. There's nothing quite like the experience of riding your very own motorbike, regardless of whether you're young or old.
From the age of 16 you can get out on the road with a moped - providing you meet certain criteria. You must have L plates (D plates in Wales), have a Compulsory Basic Training certificate, as well as holding the appropriate insurance policy.
However, young motorcyclists face significantly higher insurance premiums than any other age group. Unfortunately we don't have a time machine to give you a few more years of experience, but as a young rider you can help your case by keeping a few handy hints in mind.
Young riders: Tips for lowering bike insurance premiums
If you are a young rider, keep these tips in mind both before and after you take to the road.
Smaller engine
You might want to have a fast bike with a more powerful engine, but it's better to save these dreams for a few years down the line. As a young rider, you will be limited to certain engine sizes anyway. In general, the more powerful and fast your motorcycle is, the more it will cost to cover. Less power might show you have a sensible head on your shoulders and don't want to take unnecessary risks.
Abide by the law
Did you know that riders who have points on their licenses as a result of speeding convictions or other misdemeanors may be charged more for insurance? Try to abide by the law to keep costs down.
Avoid accidents
It isn't possible to know exactly what is waiting around the corner, but if you cause an accident or need to make a claim, your future premiums will increase. The cost of insurance will come down as you build up more of a no-claims discount. Drive carefully and reap the rewards.
Bike safety
Just like with a car, the risk of theft contributes to the cost of motorbike insurance premiums. If you keep your motorcycle locked up in a garage or you have decent anti-theft protection you might find that your insurance provider will reward you.