Motorbike insurance for new and learner riders
How does motorbike insurance work for new riders?
New and learner riders can get motorbike insurance, but premiums are usually higher because inexperience raises the risk of a claim. You'll pay less by starting on a smaller, lower-powered bike, building a clean riding record, storing the bike securely and fitting approved security. As you gain experience and a no-claim history, your premium typically comes down.
Key takeaways
- New riders can insure a bike, but pay more due to inexperience.
- Starting on a smaller bike keeps premiums lower.
- A clean riding record builds toward a no-claim bonus.
- Secure storage and approved security reduce the premium.
- Premiums usually fall as you gain experience.
Why new riders pay more
Insurers price on risk, and less-experienced riders are statistically more likely to claim. That means higher premiums at first. The type of bike matters a lot - a smaller, lower-powered machine is cheaper to insure and safer to learn on than a powerful sportbike.
How to bring the cost down
Start on an appropriate bike, ride carefully to build a clean claims record, store the bike in a locked garage, and fit approved security such as a tracker and immobiliser. Choosing a sensible excess and comparing quotes across insurers also helps. Over time, experience and a no-claim history lower your premium.