Bikers, compare cheap motorcycle insurance quotes with a high level of visibility.
Motorcycles come in all shapes and sizes, and bikers come from all walks of life, but one thing they all have in common is the need for the proper insurance.
In the United Kingdom, motorcycle insurance is a legal necessity, so it's just as important as a helmet.
If your motorcycle is stolen, destroyed, or you are involved in a car accident, motorcycle insurance will help. We'll assist you to compare motorcycle insurance for your motorcycle and even your motorcycle gear.
With great visibility, you can compare classic motorcycle insurance quotes.
Classic motorcycle insurance protects older motorcycles against theft, fire, and accident injury. There is no standardised age at which a bike becomes "classic," as each provider defines it differently.
Some insurers classify a bike as a classic when it is 15 years old, while others cover bikes that are 25 years old or older. There are also companies that sell policies for newer motorcycles that are expected to become classics in the future.
A classic motorcycle can be insured with regular motorcycle insurance or a specialist scheme, depending on its age.
If you ride your motorcycle on the lane, you must have at least third-party insurance. A third-party fire and burglary or robust scheme will provide you with more coverage. If you don't plan on riding your motorcycle on public roads, you should consider getting storage or "laid-up" insurance from a specialist insurer.
Only if your bike is stored in secure, secured storage can a laid-up insurance policy protect it for fire and theft. This form of cover could come in handy during reconstruction or if you just want to show off your bike.
The price - Classic motorcycle insurance can be less expensive than regular motorcycle insurance. This is due to the fact that classic bike owners pose a lower risk to insurers. They are more seasoned riders who cycle less miles and use them more in hot, dry weather. Older bikes often have smaller engines and are less expensive to repair than modern vehicles with large and technically complicated engines.
Reduced mileage - Since the motorcycle isn't commonly used for day-to-day riding or commuting, classic bike insurance typically caters to lower mileage uses and secure storage.
There are age restrictions - While cover is available for 21-year-olds with a complete category A motorcycle licence, many classic policies have a minimum policyholder age of 25.
Value that has been agreed upon - Rather than using the traditional market value, some insurers can negotiate with you on the value of your bike. This is due to the fact that well-maintained retro bikes retain their value and depreciate less than other vehicles of similar age.
Your insurer will almost certainly request proof of your bike's condition. Photos, receipts for work completed, and parts purchased can all be used to check the bike's worth. Keep track of the market value and notify the insurer if it rises. Agreed value plans can be more expensive or come with higher administration costs than regular classic motorcycle insurance.
Classic motorcycle insurance is divided into three categories. The kind you require is determined by how much coverage you require and how much you can afford:
With great visibility, you will find the right cover for your scooter or moped today.
Scooters and mopeds are small motorcycles, so you'll need motorcycle insurance to legally ride them. While ‘moped' is often used as a catch-all term for any bike up to 50cc, it actually refers to a bike that requires pedalling to start. In fact, what most people refer to as a "moped" these days will have a start button.
The term 'scooter' refers to a bicycle with a step-through frame and small wheels. Many of them are also under 50cc, so they're referred to as 'mopeds,' but there are much larger scooters available, including those with about 600cc that can travel on the highway.
Since, with the exception of 'super-scooters,' scooters and mopeds have smaller engines and lower speeds than other forms of motorcycles, they are cheapest motorcycle insurance to obtain.
You'll need to figure out what degree of cover you require:
Without passing an exam, you can get insurance to ride mopeds and smaller scooters on the lane. After completing the mandatory basic training, you can travel as a learner with L-plates (CBT). You'll need a temporary driver's licence. You won't be able to get passenger cover if you buy your policies before passing your exam. This is due to the fact that as a learner, you are not permitted to transport any passengers.
After passing a moped or motorcycle test, your insurance can become less expensive because you've shown that you're a competent rider. As soon as you move, notify your insurer.
To ride a moped, you'll need a provisional or full GB driver's licence (up to 50cc). You must also be 16 years old or older. You must also complete your mandatory basic training unless you passed your driving test before February 1, 2001. (CBT).
To ride a moped, you must have third-party protection. It's a legal requirement. You will be fined and have ten penalty points added to your licence if you ride a moped without insurance. Your moped could also be seized and destroyed as a result of the programme.
Motorbike insurance will protect your scooter or moped. When you compare motorcycle quotes with us, we will assist you in finding the correct strategy. Most mopeds and scooters are ideal for beginners and have engines ranging from 49 to 125cc, making them relatively inexpensive to insure.
You'll need to know the following to get quotes:
Our partner, Quad Bike Insurance, will help you compare quad bike insurance.
Despite the fact that most motorcycle insurance companies have the word "bike" in their name, they would not be able to insure your quad bike. Quads are typically off-road vehicles, but those that are road-legal need a valid driver's licence.
Quad bike insurance protects your ATV in the event of theft, fire, or other accidental injury. It will protect you both on and off the road when riding your quad.
You'll need road legal cover if you want to take your quad on the road. Quads that are legal on the road must have the same protection as all other vehicles on the road, with a third-party only policy being the bare minimum.
You'll have to figure out what level of cover you require:
Road-legal quad bike insurance will also include the following features for an extra fee:
Off-road cover will shield your quad from theft or fire damage, but third-party coverage isn't always available. You must inform your insurer of your plans to use the quad and for what reason. It's also worth checking with your home contents insurance agent to see if you can list your quad as a bicycle.
Double-check your policy's cover terms and notify your insurer of any changes to the quad's usage or venue, just as you would for any other insurance policy. You may want to add additional cover to your policy, such as accidental injury, as it may not be included as normal.
A full car licence, or a category B1 motorcycle licence if issued before January 1997, is required to ride a road-legal quad bike on the highways.
The vehicle must be DVLA licenced, taxed, have a valid MOT licence, and have at least third-party insurance coverage.
Off-road quads don't need any of the above, and they can be operated by anyone of any age.
You could, however, only drive the vehicle on private property with the permission of the owner. When using an off-road quad for farming, horticultural, or forestry purposes, it must be registered as a light agricultural vehicle with the government. It can be pushed on the road if it is within 1.5 kilometres of the site.
With great visibility, you can compare young rider motorcycle insurance quotes.
The majority of young people who purchase a motorcycle do so because they are usually less expensive to operate than a vehicle. Motorcycle insurance, like automobile insurance, will put a big dent in your driving budget, as coverage for young riders is typically costly.
The average cost of comprehensive motorcycle insurance for under 25s with a full UK motorcycle licence was £345, according to our research. That's less than the £397 average expense for riders of that age with a provisional motorcycle licence.
Comprehensive motorcycle insurance plans for riders of all ages cost an average of £137. That's less than half of what young riders pay on average.
Young riders pay extra for motorcycle insurance for two reasons: 1) they are more likely to be involved in an accident; and 2) they are more likely to be involved in an accident.
Young rider motorcycle insurance can be costly, with higher excesses if you do need to make a claim, so it's worth comparing quotes to see if you can get the cover you need for less.
Riders as young as 16 can obtain a provisional licence to operate a 50cc moped if they complete their Compulsory Basic Training (CBT) and have the appropriate insurance.
Young riders are generally described as those between the ages of 16 and 25, since, similar to car insurance, the cost of motorcycle insurance drops dramatically around the age of 25.
The cost of your bike insurance is determined by the following factors: