The cost of your motorbike insurance will depend on your bikes insurance group. Find out more here.
All motorbikes are classified into insurance groups by insurers to help them calculate the cost of premiums.
Insurers use groups to grade and price motorbikes, based on performance and value. Putting bikes into these groups helps insurance providers to calculate premiums.
Motorbike insurance groups typically range from one up to 17, but some insurers have groups that go up to 22. Bikes that fall into the higher number groups are often more expensive and higher performance bikes.
Generally, the lower the group number the cheaper your insurance.
The insurance group your bike falls into will affect how much your premium will cost, but it’s only one factor. Your insurance price will also be affected by things like your riding history and where you live.
You can’t really check it for yourself, because the way insurers categorise motorbikes varies, with each insurance provider having its own grading system.
The majority of motorbikes fall into insurance groups between three and 17, with only very small and cheap, or large and expensive bikes being in the groups at the extremes.
It’s far better to compare quotes for motorbike insurance to give you an accurate idea of how much you’ll pay.
The insurance group your motorcycle falls into isn’t the only thing that determines how much you’ll need to pay for your insurance.
Other factors insurers use to calculate the cost of your premium include:
Motorbikes are grouped based on their performance, value and age.
For a bike to be put into a low insurance group it would usually need to have a smaller engine capacity, such as 125cc. These motorcycles tend to fall into groups between three and six, depending on the insurer.
You’ll find bikes with 700cc engines or larger being put into groups between 17 and 22. It’s because they can accelerate at higher speeds, so they’re at greater risk of accidents and collisions. Motorcycles with bodywork that’s costly to repair or replace will also be expensive to insure.
There’s no flat rate to pay for the insurance group your bike falls into and there are many other factors that will determine the cost of your premium:
There are plenty of different motorcycle insurance options and providers to choose from, and the insurance group your motorbike falls into isn’t the only factor that will affect the cost of your policy.
It’s best to shop around for quotes and find the right level of motorcycle insurance cover and premium cost to suit your needs and circumstances.