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Getting cheap motorbike insurance depends on various factors, including insurance grouping, usage and optional extras.
Motorbike Insurance Groups
As with cars, motorbikes are generally categorised by insurance providers into different groups, and the group a motorbike is in then usually determines its basic premium price. However, while cars are categorised into one of 50 groups, the number of groups is much smaller for motorbikes. Depending on the insurer, there may be somewhere between 17 and 22 groups. As with cars, it is likely that the lower the group number of a bike, the lower its premiums are likely to be.
The group a motorbike is categorised in depends mostly on its price, power, and performance level, but other factors such as availability of spare parts and average time required for repairs also come into play.
Usage Classes
Motorcycle insurance is also generally categorised according to the way the bike is likely to be used by its owner. The different groups are social, domestic and pleasure; commuting; business; courier and delivery. These categories will also influence premium costs, with high-use and commercial categories incurring higher premiums. Generally speaking, a Social Domestic and Pleasure policy is considered a standard form of coverage for non commercial use.
Special Coverage
These insurance categories offer specialist insurance for defined groups of people and vehicles.
- Classic motorbike insurance: This insurance may often be cheaper than standard motorbike insurance, because these motorbikes are typically on the road less, their owners are more likely to take good care of these bikes, and they’re less attractive to thieves.
- Modified motorbike insurance: Modifications could look good and add performance and power, but they might also increase premiums for these very reasons. Modified motorbikes are typically more expensive to repair too.
- Young or convicted rider insurance: These are considered high-risk categories, and a rider who is in one of these categories could pay higher premiums. Some convicted riders may find it difficult to get insurance, and may want to try a specialist insurer.
Optional Extras
Motorbike owners can choose from several different policy add-ons when they’re taking out motorcycle insurance, depending on their needs and preferences. These include the ability to nominate additional riders who are covered when using the motorbike; purchasing coverage for pillion passengers; and purchasing coverage that applies when the owner of the insured motorbike rides another motorbike.
Disclaimer: This information is intended for editorial purposes only and not intended as a recommendation or financial advice.
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Motorbike insurance FAQs
How much is insurance for a 125cc motorbike?
The price of motorbike insurance is dependent on factors, including engine size. For example you can almost always expect to pay more for insuring a 1200cc motorbike when compared to a 125cc. This is due to larger engines being more powerful and having the potential to achieve higher speeds and as a result, greater damages. Given that 125cc bikes have a relatively small engine, they are generally on the cheaper side of the price range with many insurers. However there are many factors which influence your insurance policy and so you’ll likely need to take out a quote to get an accurate idea of what you can expect to pay.
The level of coverage you opt for will also impact your overall premium price as more comprehensive premiums tend to be more expensive.