How much is motorbike insurance for a 17 year old?
Motorbike insurance for a 17-year-old can often feel like a huge expense, sometimes even costing more than the bike itself. It’s a legal requirement for anyone riding on UK roads, so finding an affordable policy is crucial. Insurance costs for younger riders are higher because insurers view them as higher risk due to their lack of experience. However, there are ways to reduce premiums, and this guide will show you how.
How Much Are Motorbike Insurance Premiums for a 17-Year-Old?
On average, motorbike insurance for a 17-year-old is more expensive than for older riders. Here’s why:
- Age Factor: Riders under 25, especially 17-year-olds, are seen as higher risk because they’re less experienced.
- Bike Type: A 50cc scooter will generally be cheaper to insure than a 125cc motorcycle.
- Intended Use: If you use the bike solely for commuting, your premium may be higher than if it’s for social purposes.
Typically, motorbike insurance is cheaper than car insurance for the same age group. For instance:
- A 50cc scooter will have lower premiums than a 125cc motorcycle, as it’s slower and less powerful.
- Your location, crime rates, and even your bike’s colour can also impact your premium.
How to Reduce Motorbike Insurance Costs for 17-Year-Olds
Although young riders often face higher premiums, there are practical ways to lower your insurance costs:
1. Take Advanced Training
Completing an advanced CBT (Compulsory Basic Training) course can demonstrate to insurers that you’re a responsible rider. This often leads to discounts on your premium.
2. Limit Your Annual Mileage
Lower annual mileage reduces the likelihood of accidents, making you a lower risk to insurers. If you’re only riding occasionally, ensure this is reflected in your policy.
3. Store Your Bike Securely
Where you store your bike overnight has a significant impact on premiums. Keeping your bike in a locked garage or secure off-road parking can reduce costs compared to leaving it on the street.
4. Invest in Security Devices
Installing features like security locks, chains, and anchors can deter theft, which some insurers reward with discounts. Be sure to confirm with your insurer that these devices will lower your premium before making a purchase.
5. Choose the Right Bike
Opt for a lower-powered bike, like a 50cc scooter, as these are generally cheaper to insure than more powerful motorcycles. Avoid modifications, as these can increase premiums.
6. Build No-Claims Discounts
Each year you ride without making a claim builds your no-claims discount, which significantly reduces premiums over time.
What Does Motorbike Insurance Cover?
Motorbike insurance policies come in three levels of cover:
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Third Party Only
- Covers damage and injury to other people and their property.
- Does not cover damage to your bike or personal injuries.
- This is the minimum legal requirement.
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Third Party, Fire, and Theft
- Includes all Third Party cover.
- Protects against theft or fire damage to your bike.
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Comprehensive
- Includes all the benefits of Third Party, Fire, and Theft.
- Covers repairs to your bike, regardless of fault.
- Often the most expensive but offers the most protection.
Why Is Insurance More Expensive for 17-Year-Olds?
Younger riders are statistically more likely to be involved in accidents due to inexperience. As a result, insurers charge higher premiums to offset the increased risk. The good news is that as you gain experience and build your no-claims bonus, your premium will decrease over time.
Why Choose a Motorbike at 17?
Despite the higher insurance costs, a motorbike is an affordable and efficient way for young riders to gain independence. Motorbikes are cheaper to run and insure than cars, making them an excellent choice for 17-year-olds. Additionally, starting young allows you to build riding experience, which will benefit you in the long term.
Get the Best Motorbike Insurance Deals for 17-Year-Olds
Finding affordable motorbike insurance for a 17-year-old doesn’t have to be overwhelming. Use a comparison tool to find the best policy for your needs and budget. Look for options like delivery rider insurance or electric moped insurance if they suit your requirements.
Request a free, no-obligation quote today to start saving on your motorbike insurance. With the right strategy, you can keep costs low while staying safe on the road.