3 Money murdering MISTAKES than:
NO BROKER would dare tell You!
NO BROKER would dare tell You!

Garage

Garage has one of the biggest impacts on your insurance!
Don’t have a garage? If you agree with your neighbour on friend to keep your bike / moped / scooter in their garage you can declare it with insurer. Written agreement might be requested. It will save over £100

Cover Type

Think carefully what cover you really need!
Comprehensive Cover is most expensive – try Third Party Fire & Theft or even Third Party Only!

Security

Any security feature must be declared if you want cheaper quote!
Chains and padlocks are the money ones!

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What type of bike can I ride based on my driving licence?

Your motorbike license entitles you to ride certain types of motorbikes. Age and consideration will be taken into consideration as well as the strength and power of the bike.

There are a total of 4 categories of license:

  • AM– this means you are qualified to ride a moped from the age of 16
  • A1– qualifies you to ride a 125cc motorbike that has a power output of 11kW or lower and tricycles with a power output of 15kW or lower. Must be at least 17 years old.
  • A2– this means you can ride a motorbike with a power output of 35kW or lower, and you must be at least 19 years old
  • A– this qualifies you to ride unrestricted motorbikes that have a power output above 35kW. There is a minimum age of 24 under direct access, or 21 under progressive access. For tricycles, power output can be over 15kW, with minimum age of 21.

Please refer to the Government Website for a full list of restrictions.

Completing your application

You’re responsible for answering any questions relating to your application honestly. If the information is found to be incorrect it could invalidate your insurance and your insurer may not pay out for any claims you make. Always make sure that the policy you’re applying for has the right level of cover and features that you require.

What will affect Motorbike Insurance?

While shopping for motorbike insurance, keep in mind the following factors that can influence what your premium may be:

  • Motorbike type
  • Riding history
  • Age of rider
  • Modifications
  • Address
  • Usage
Policy Types for Moped Insurance

Third party only is the minimum level cover required by law in the UK. It covers:

  • Liability for injury to others (including passengers)
  • Damage to third party property
  • Liability whilst towing a caravan or trailer

Third party, fire and theft covers everything that third party does, but also:

  • Fire damage
  • Theft of vehicle
  • Damage to your car caused during theft

This typically allows you to make a claim for any damage that has been done to your motorbike (unless otherwise noted in your policy exclusions). This would include accidental damage to your motorbike, vandalism and medical expenses. But between these three levels of cover, which one is the best to go with? Third party only cover is typically going to be cheaper than the other two, as the insurance company won’t have to pay out as much, but for many that may not be the best option.

Policy Excesses

Simply put, an excess is what you contribute towards a claim. There are two types of excess payments: compulsory and voluntary. The compulsory excess is decided by the insurer and it’s the amount that you must pay if you make a claim on your policy. A voluntary excess is the amount that you choose to pay in addition to the compulsory excess when a claim is made. You can choose how much you pay for your voluntary excess. For example, if you choose to pay a higher voluntary excess, then your premium will be cheaper. However, if you choose to pay a lower voluntary excess, your premium will most likely be more expensive.