Motorbike Insurance for New Riders

Sorting out cover when you’re new to the road.

08 Feb 2021

If you’ve decided to start riding a motorcycle, then you’re probably excited to get out there and experience this new way of getting around. But before you set off on your first ever ride, you’ll need to make sure you’ve got some form of motorbike insurance in the same way you need car insurance before you start driving out and about.

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Do you need to do CBT to get bike insurance?


Before you’re able to ride your motorbike on UK roads legally, you need to have completed compulsory basic training (CBT) and have motorcycle insurance in place. If you ride without a valid CBT certificate, you can get up to 6 penalty points and be fined up to £1,000.

The minimum level of motorcycle insurance you need in place is third party only insurance, but it can be worth looking at policies which give you more coverage as they will be able to assist you in a wider range of situations.

There are a few situations which mean you don’t need to take CBT, which are if you want to ride a moped (up to 50cc) and you passed your car diving test before February 1st 2001, and if you want to ride a motorcycle and hold a full moped license from passing a moped test since 1990.

Once you pass your CBT, you’ll be allowed to ride the motorcycle of your choice regardless of engine size – however if you wish to ride a bike with a particularly high engine size it would be worth looking into whether you require any additional tests as this can sometimes be the case. This isn’t correct. Once passing a CBT you are restricted to a 125cc bike.

How much does motorcycle insurance cost per year


Everyone’s motorcycle insurance will vary in price depending on their specific details, so it’s hard to pin down an exact annual cost of motorcycle insurance. Things like your age, years of experience riding motorbikes, miles covered, history of claims and type of motorbike you ride will impact the price of your insurance policy. For example, those in their late teens will have a more expensive insurance policy than those in their 20s or 30s.

Motorcycle insurance cost for new riders in the UK will differ slightly according to each provider, but it will usually be higher than that of more experienced riders. This is because new riders have less experience on the road and so are deemed to be a higher risk, resulting in insurance policies being more expensive for this particular category.

Who has the cheapest motorcycle insurance?


Different insurers will be able to offer you their own price for a motorcycle insurance policy, so the best way to find out who has the least expensive policy is by filling out an online comparison form and looking at the results yourself. It’s important to keep in mind that for new riders, motorbike insurance will be higher for the first few years you are on the road, and will be reduced as you become a more experienced rider building up years of no claims.

You’ll likely find that the cheaper end of policies offer third party only insurance, which will give you the minimum level of cover you need, but it’s well worth looking at motorcycle insurance policies which offer greater levels of cover for a small increase in price. The best motorbike insurance for new riders will compromise of policies offering great cover at reasonable prices that are likely to reduce as you become more experienced and familiar with the road.

Can you get 1 day motorbike insurance?


If you’re looking to buy a brand new motorcycle, then it might be worth getting 1 day motorbike insurance in order to get the bike home from the dealership or vendor. That way, you can spend longer looking for the best motorbike insurance for you, whether that’s based on the best price or the best coverage.

Not all insurers offer temporary insurance or 1 day insurance policies, and these kinds of insurance plans don’t always offer the best value for money. However, there are a number of providers that will still be able to offer you great temporary coverage while you search for a long term motorcycle. Since 1 day insurance isn’t the cheapest policy available, it’s certainly worth your time to explore your options by comparing different policies offered by different insurers

Top Motorbike Insurance FAQs:

What factors affect my insurance price?

Just like with car insurance, the cost of motorbike insurance is affected by a range of factors. These include:

  • Your age
  • What type of bike is being insured
  • Any previous convictions or bike insurance claims
  • How much and how you plan to use your motorbike
  • What level of insurance coverage you want
  • Where you park your bike
How can I make my motorbike insurance cheaper?

You can usually reduce your premium by making changes to the level of coverage you have, opting for just third party cover rather than comprehensive, for example. Other factors can also bring down the cost of motorcycle insurance, including reducing how often you ride, adding security locks to your vehicle, and downgrading to a bike with a smaller engine.

Can I transfer car no claims bonus to a motorbike?

This varies between insurers but, generally, you won’t be able to transfer your car no claims bonus to a new motorbike insurance policy.

Does motorbike insurance cover me to carry passengers?

Most motorbike insurance policies these days won’t include pillion cover, meaning that you’re uninsured to carry passengers. However, some insurers might still include it in