How much is scooter insurance for a 16 year old?
We make finding the right scooter insurance for a 16 year old fast and easy. A lot of people ask us do you need insurance to drive a scooter? The answer is yes. It is one of the few commodities you hope you’ll never have to use. Remember that it’s not just for your benefit though; it’s for other road users in the event of a collision.
How much are premiums?
How much is scooter insurance for a 16 year old? This all depends on man factors. 16 is the youngest legal age for driving a road vehicle. At this age, you’re only entitled to ride a 50cc scooter, and you need to complete a CBT and have a provisional driving licence before you can even consider getting a scooter. It’s no surprise that insurance premiums are higher for younger drivers, but this is mainly due to their lack of road experience. A young driver is considered more of an accident risk than an older, more experienced driver, and insurance companies rate on this accordingly.
There isn’t a definitive amount you can expect to pay for scooter insurance for a 16 year old, as there are dozens of different factors insurance companies rate on to decide your premium. Factors such as your location in the country (cities rate higher than suburban areas), your local crime rate, the make and model of your scooter, and many other things are considered.
However, age is one of the biggest rating factors, especially when you’re young. Saying this, it’s best to bite the financial bullet if you can so that you can start gaining experience on the road. The more experience you gain, the more your premium will drop. You can also begin building a No Claims Bonus, which can have a significant impact on the cost of your insurance.
Is there anything I can do to lower my premium?
If you’re a 16 year old looking for cheap scooter insurance, it can be worth looking around for the best deals. Some insurers provide policies specially designed for young riders, but these might require some extra commitments on your part. If you’re looking to reduce your costs, try these tips:
- Get a security device. Things like ground anchors, trackers, and cameras can make a massive difference, so consider investing in some extra kit.
- Further training. Book yourself onto an advanced CBT course. This will show you have a higher skill level than the average young rider.
- Ride as little as possible. Insurers will rate higher on vehicles that travel more miles, simply because they’re on the road more. Work out your potential minimum limit, and stick to it.
- Parking. Off road parking is rated lower than on road. So think about where you can store your scooter overnight.
It’s an unfortunate fact that insurance is most expensive for young riders. Everyone on the road has experienced this, but luckily it won’t last for long. The more experience you gain, and the less crashes you have, the quicker it’ll drop.