Finding affordable young rider bike insurance can be really difficult. Statistically, younger riders are much more likely to have an accident and make a claim, so the insurance companies have no choice but to charge them higher premiums. For many young riders, this creates a Catch 22 situation - how do you get experience and build up a no claims discount to bring your premiums down, if you can't afford to get insured in the first place?
There's nothing you can do about your age, but there are things you can do to change the assumptions that go with it, and bring down the cost of your young rider motorcycle insurance.
The biggest of these assumptions is that young riders lack the responsibility and maturity of their older counterparts. There are lots of ways to prove this wrong, and many of these will attract a discount on bike insurance for young riders:
Have a little patience and settle for a smaller bike for the first couple of years. The smaller engine size reflects a more responsible attitude and will cost less to insure.
Keep your record clean. Points on your licence and insurance claims will send your premiums through the roof, whereas a clean licence and a good riding record for two years or more will significantly reduce what you pay in the future, opening the doors to a world of bigger more exciting bikes.
Extra training can also help to demonstrate your maturity as a rider. Bennetts offer up to 10% reduction on some insurance scheme for riders who have completed a course with the Institute of Advanced Motoring. Not only that, but it will make you a better rider and keep you safe.
Taking care of your bike by keeping it in a garage overnight, and fitting approved security systems and locks, are great ways to demonstrate that you're a responsible rider. Just these two simple steps could bring a reduction of 10% to your Bennetts motorbike insurance policy for young riders.
If you can limit your mileage you'll also limit the cost of motorbike insurance for young riders. Bennetts offer up to 12% reductions for riders who do less than 3000 miles a year. You could even save by keeping hold of your bike, with lower premiums of up to 20% with Bennetts, for bikes owned for over a year.
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