Young Driver Bike Insurance

It is particularly hard for young motorbike drivers to find competitive motorcycle insurance. Statistics show that young motorcycle drivers are involved in a worryingly high number of accidents, especially compared with more mature riders. Insurance companies have to take these figures into account, and charge their premiums accordingly. Because of the number of accidents in which young motorcyclists are involved, insurers assume that they are more likely to make a costly and potentially long lasting claim. The quotes young motorbike drivers do receive, if any, tend to be very costly.

If you are a young motorcycle driver, the best plan of action would be to get your quote from a specialised motorcycle insurance broker or a motorcycle insurance intermediary. These often have partnerships with insurance companies and will have negotiated special deals for any customers passed on to them. This is probably where you’ll find the cheapest premiums. Do be sure to have a shop around though so you know that not only is your policy affordable, but meets your requirements as a driver.

Insurance policies for young motorbike drivers work like any other motor policy in that it comes in three levels of cover: third party, third party fire and theft and fully comprehensive. Naturally, the more comprehensive the cover, the higher the cost of the policy. Comprehensive insurance will cover loss or damage to your motorcycle, accident recovery and new motorcycle replacement (where applicable). Third party fire and theft will only cover these if they have resulted from fire, theft or attempted theft. Most policies will cover your personal liability and legal costs, safeguarding you financially if you are in an accident involving individuals as well as property. Optional extras which you can pay extra premiums for include extended foreign cover, foreign breakdown cover and extended legal cover.