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About Bike Insurance
Motorbike insurance is essential for protecting yourself and others on the road, as well as safeguarding your bike against various risks. Understanding the motorbike categories and licensing requirements will help you choose the right insurance policy for your specific needs.
Motorbike Categories:
- Mopeds: Mopeds have engines up to 50cc, a maximum speed of 28mph, and are usually automatic. You can ride a moped from the age of 16. After completing your CBT, you'll need to obtain an 'AM' moped licence within two years.
- Scooters: Scooters typically have engines ranging from 50cc to 150cc. These should not be confused with electric stand-on scooters, as they are distinct. Scooters and mopeds usually feature a 'step-through' design. To ride a scooter, you must be at least 17 years old. Initially, you'll be limited to an A1 licence and models with a maximum engine size of 125cc. At 19, you can obtain an A2 licence, allowing you to ride motorcycles with engine power up to 35kW.
- Larger Motorcycles: Larger motorcycles have engines up to 1,000cc or more and require you to mount the seat. To ride these, you need to be at least 17 years old with an A1 licence, but your bike choice will be limited to 125cc until you turn 19. At 19, you can obtain an A2 licence, providing access to more powerful bikes. To acquire a full motorcycle licence, you must be 21 or older and hold an A2 licence for a minimum of two years or be at least 24 and have completed CBT and a practical test.
- A provisional driving licence is required for motorbike riders.
- Compulsory Basic Training (CBT) is mandatory to ride safely on your own.
- You must pass both a theory and practical test for your motorbike licence.
- The practical test must be passed within two years of taking the theory test.
- Motorbike insurance provides coverage for liability in accidents that involve damage to other vehicles or injuries to others.
- Comprehensive cover includes protection against theft, vandalism, fire damage, and personal injuries.
- Mopeds are often cheaper to insure due to their smaller engines and lower maximum speeds.
- To get full motorcycle insurance, you may need to meet age and experience requirements, such as holding an A2 licence for two years or being at least 24.
Here's an overview of the different types of motorbike insurance:
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Third Party Insurance
- This is the minimum legal requirement for motorbike insurance.
- Covers injury or damage to other people, vehicles, or property in case you're at fault in an accident.
- Provides no coverage for the rider, their bike, or personal injuries.
- Typically the most basic and cost-effective option.
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Third Party, Fire and Theft Insurance
- Includes all the benefits of third party insurance.
- Additionally covers the cost of repairing or replacing your motorbike if it's stolen or damaged due to fire.
- Still does not cover damage to your own bike or personal injuries sustained in an accident.
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Comprehensive Insurance
- Offers the highest level of coverage and protection.
- Includes all the features of third party and third party, fire and theft insurance.
- Provides coverage for damage to your own bike in accidents.
- Offers personal injury coverage for the rider.
- Will pay for a replacement bike if yours is written off due to an accident.
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What add-ons features are there in motorcycle insurance?Several add-ons are available with us on motorbike policy. Pillion cover, additional drivers, lost keys facility, breakdown coverage. Cover add-on for damage to your helmet is also there .
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What disturbs the amount of the motorbike insurance?Engine Size: Generally, larger engine sizes result in higher premiums due to the increased risk associated with more powerful bikes.
Make and Model: The make and model of your motorcycle play a significant role in determining your insurance costs. High-performance or luxury bikes often come with higher premiums.
Age and Experience: Your age and riding experience factor into your premium. Younger riders, especially those under 25, typically pay more. Experienced riders with clean records may qualify for discounts.
Bike Value: The value of your motorcycle affects insurance costs. More expensive bikes may require higher premiums to cover potential repair or replacement costs.
Location: Where you live matters because it affects the risk of theft or accidents in your area. Urban areas often have higher premiums than rural locations.
Licence Duration: How long you've held a motorcycle licence can also impact rates. More experience can lead to lower premiums.
No-Claims Bonus: Just like with car insurance, building a no-claims bonus by not making claims over time can lead to discounts on future policies.
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What happens if caught riding without proper insurance?Compulsory Insurance: It's a legal requirement to have insurance for your two-wheeled vehicle before riding it on public roads in the UK. This applies to mopeds, scooters, and motorbikes of all engine sizes.
Legal Consequences: Riding without insurance is a serious offense and can result in legal consequences. If caught, you may face a fixed penalty fine of £300 and receive six penalty points on your driving licence.
Criminal Conviction: In more severe cases or repeated offenses, you may end up with a criminal conviction. This can have long-term implications for your driving record and may impact your ability to secure insurance coverage in the future.
Bike Seizure and Destruction: The police have the authority to seize and potentially destroy your vehicle if you're caught riding without insurance. This can lead to a substantial financial loss.
Financial Risks: Aside from legal penalties, if you're involved in an accident without insurance, you may be personally responsible for covering any damage, medical expenses, or liability claims. This can result in significant financial burdens.
Given these consequences, it's crucial to ensure you have valid insurance coverage in place before riding your moped, scooter, or motorbike on public roads. Additionally, always provide accurate information to insurers to avoid potential issues with your coverage.
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