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Cruiser motorbike (often the most expensive to insure) If your model is modified, you’ll pay more.ĥ. Understandably, off-road motorbikes are high risk and insurance high-cost. However, replacement and market values can be high so getting a range of quotes to find the best insurance is essential.
#Cheap motorbike insurance drivers
Drivers tend to be older and more careful. If you own a classic bike, it’s likely you care for it and rarely use it. For this reason, getting multiple quotes is important to find the best deal. Sports bikes are seen as higher risk as they’re designed for speed and style, and therefore can be more expensive to insure. However, given mopeds and scooters don’t have modifications or large engines, they tend to be the cheapest to insure. The younger you are, the more expensive the policy as insurers see you ask a higher risk. Moped and scooter (cheapest to insure)Ī moped or scooter is usually cheap to buy, and are popular with under 25s in particular. To help you understand where your motorbike sits in the cost-to-insure hierarchy, we’ve created this list below:ġ. Specialist providers, for example Classic Cover, is an example of an insurer who caters exclusively for a particular motorbike class.ĭifferent insurers have their own risk assessment and consider modifications, engine size and other risk factors differently. In this guide, we have looked at motorbike insurance from AA Insurance, Protecta Insurance, State, AMI, Tower, Swann Insurance, and Kiwibike. Our focus is on helping you buy the right insurance protection at the best price. Remember – the cheapest or most expensive option isn’t necessarily the best – being under-insured or over-insured are both problematic. It’s not just price you are comparing – excess levels and claim cover are outlined below. Whether you’ve owned a motorbike for 50 years or just bought a 50CC scooter, our guide covers everything you need to know. Know this first: We understand every rider is different. Best motorbike insurance - our market survey.This lets you see if what you’re paying is reasonable. To get the best price, spend a few minutes every year before your existing policy renews to get a few quotes.
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Be aware that auto-renewing your motorbike insurance policy can mean you pay more year after year. We’ve done the work to get some sample quotes for two motorbikes to give you an idea. Many insurers don’t digitise their policy quotes, so it’s hard to compare without phoning up a bunch of insurers. There’s no need to overpay on motorbike insurance.