It’s insurance especially tailored for riders of motorbikes, mopeds and scooters who are aged under 25.
As a young, or inexperienced, rider it’s important you take out adequate insurance to cover you for all eventualities.
Quotes for younger people tend to be more expensive, and come with higher excesses if you do need to claim.
But there are plenty of companies that specialise in covering young riders and can offer competitive policies and there are lots of things you can do to keep costs down.
Riders as young as 16 can get a provisional driving licence, take their Compulsory Basic Training (CBT) and ride a 50cc or less moped restricted to 45km/h (28mph), as long as they have the right insurance.
Generally, ‘young’ riders are classed - in insurance terms - as those aged between 16 to 25.
The cost of motorbike insurance generally drops substantially around the age of 25, just as it does with car insurance.
We found that the average cost of comprehensive motorbike insurance for under 25s with a full UK bike licence was £545. That's less than the average cost of £624 for bikers of that age with a provisional motorbike licence.
The average cost of comprehensive motorbike insurance policies for riders of all ages was £256. That's less than half the average price paid by young riders.
How much your bike insurance costs will depend on:
There are three levels of bike insurance to choose from:
This is the minimum level of insurance required by law.
It only covers damage and injury you cause to other people and their things. It doesn’t cover your own vehicle.
This covers damages and injuries caused to third parties and their belongings, as well as cover for your bike if it’s stolen or damaged by fire.
The most inclusive option, fully comp cover includes third party damages or injuries, damage to your bike and medical cover for injuries you suffer due to an accident, fire or theft.
Although your insurance and excesses are likely to be more expensive if you’re under 25, there are still a few ways you can reduce the cost of your cover:
While most small bikes tend to be cheaper to insure, fast, light motorbikes like small sports bikes are disproportionately expensive to insure. Motorbikes with modifications will also be more expensive to cover.
Choose the cover you need and compare quotes to find the right insurance for a good price.
You can add a rider with more experience to your insurance to reduce the cost. Just make sure you’re honest about who the main rider is - lying about this is called fronting and it’s a type of fraud.
Don’t add optional policy extras, like pillion cover or legal expenses, to your policy if you don’t need the cover.
An advanced rider course will give you more experience and reduce your risk. Most insurers will recognise this by giving you a discount.
Excess for a young rider will be high, so consider whether you could afford to pay it. Though a higher voluntary excess might get you an insurance discount, it’s useless if you can’t afford it.
Although not so useful when you’re starting out, you could benefit from future discounts by building up your experience and no-claims discount.
Store your bike as safely as possible overnight, ideally in a garage or shed, to reduce the risk of theft. Invest in an immobiliser or alarm.