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Motorbike Insurance For 17 Year Old

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Motorbike Insurance for 17-Year-olds


How much is motorbike insurance for a 17-year-old in the UK?

It’s an unfortunate fact of life that as a young driver, you’re premiums will almost always be higher for your motorbike or motorcycle insurance than that of an older, more experienced rider. Typically, 17-year-old riders can expect to pay in excess of £1000 for their motorbike insurance across the top UK comparison sites. However just because this is an average, it doesn’t mean you will necessarily that this is what you will pay.

Younger drivers are statistically more likely to be involved in an accident, so insurers classify them as “high risk”. However, it is important to remember that your age is not the only factor which your insurer will use to determine your insurance premium.

For example, the size of your motorcycle, whether it be a 50cc or 125cc, will have a direct impact on the overall cost of your motorbike insurance. Other common factors which impact your motorbike insurance costs include:

This variety of factors which insurers use to calculate your premiums means that even as a 17-year-old or 16-year-old rider, you can still find competitive premiums if you know exactly where to look.

Motorbike insurance costs for 17-year-olds

Since the factors which determine your premiums as a young rider are large and varied. Different insurers and providers may place different weight on certain risk factors than others. With this said however, there are still some factors which are universally important to UK insurance companies when evaluating what your motorbike insurance premiums should be.

Your location

Some locations and area codes have higher accident and crime rates than others. This leads to some area codes being marked as higher risk by insurers and so your premiums will be impacted by this as a result. An area with a lower crime and accident rate can positively impact a younger rider’s insurance premiums as even though being 17 will still increase your risk profile, the reduced chance of damage or theft in your area can help bring it down.

Job

If your job involves the use of your motorbike then this will require specialised insurance such as courier and food delivery insurance. These specialised forms of coverage are typically more expensive than a standard motorbike insurance policy. Even if you do not use your motorbike for work purposes, your job role will still be a consideration when weighing up your insurance risk. This will include considerations such as whether your job means you’ll be driving around at late night hours when accidents are more frequent for example.

Make & Model

The make and model of your bike will directly impact your premium prices as the more expensive the bike, the more it will cost to insure. Replacement parts and the difficulty acquiring them in your area will also impact the total cost of your premiums.

The power of your motorbike will also play a big part in your premium costs. If you have a 50cc scooter then your premiums will be cheaper than a more powerful 125cc.

The Level of coverage required

The level of coverage you take out will directly impact the cost of your premiums as the more comprehensive your coverage, typically the higher the price. You’ll need a minimum of third-party insurance in order to legally ride on UK roads.

This means that even as a 17-year-old or 16-year-old rider, you can still find competitive premiums if you know exactly where to look.

How much is insurance for a 125cc motorbike for a 17-year-old?

Since the power of your motorbike will directly impact your insurance premiums, it is important to weigh up whether you need a 125 cc motorcycle over a 50 cc motorcycle for example. The 50cc will generally be less expensive to insure as this is because of its less powerful engine. Typically a 17-year-old motorcyclist looking to insure a 125cc motorcycle can expect to pay no less than £1000 per annum for insurance. However this will vary between individuals and makes and models.

Getting cheaper motorbike insurance as a 17-year-old

Despite having higher premiums due to your young age, there are still a few things you can do to get cheaper insurance for your motorbike on the UK market.

Here are some of the common things that young motorcyclists can do to get their motorcycle premiums down.

  • Take an advanced CBT (Compulsory Basic Training) to improve your riding skills and make you a better rider. This can lead to decent discounts from insurers on your premiums.
  • Keep your motorcycle in a secure area when it is not in use. i.e. garages and sheds to reduce the risk of theft.
  • Invest in locks and anchors for your bike to deter theft.
  • Avoid accumulating penalty points as this can dramatically increase premiums.
  • Don’t modify your motorbike, this will raise your premiums and in some cases void your coverage.

As previously mentioned, If you are 17 and looking to hit the road on a motorbike soon, it may also be a wiser choice to opt for a low-powered bike to start out. It’s an unfortunate reality of life that as a younger rider, you will be made to pay more on your premium to cover the risk of your age bracket to insurers. But you can still find cheaper options which will give you the best coverage for your money at the right price.

By comparing multiple motorbike insurers with Quotezone’s panel of providers, you can quickly increase your chances of finding the cheapest coverage options available to you by comparing multiple options. See what insurance companies can offer you the most value for your money and start saving on your motorbike insurance today!

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