Turning 17 means you can finally learn to drive, but If a motorcycle is your chosen mode of transport getting insured can be tricky. Here's what you need to know to get the best 17 year old motorcycle insurance.
Can you get motorcycle insurance as a 17 year old?
As a 17 year old you'll be considered in the highest risk group for insurers, so don't expect to find any really cheap motorcycle insurance for 17 year old policies.
That doesn't mean you should give up hope though, although you'll have to pay more there are insurers out there that will cover you.
Plus, if you're savvy you can make savings and find the best policy to make moped insurance for 17 years olds as affordable as possible.
How to get the most affordable policy
Once you've got your provisional licence and passed the compulsory basic training (CBT) you can ride your bike, so you'll need a policy in place. Here are some of the things that will make your policy as affordable as possible:
The type of bike you ride will have a big impact on the cost of your insurance. The more powerful the bike, the higher your premiums will be.
Once you've passed your practical tests you will be limited to bikes of a power/weight ratio not exceeding 0.16 kW/kg, or engine size of 125cc for two years.
This means you can't just hop on a superbike after passing your test, but it's still worth look carefully at your options when choosing your first bike as a less powerful machine will save you money on your insurance.
Where you keep your bike
Motorbikes are a huge risk when it comes to theft, so where you keep your bike when you're not riding it has a huge influence on your premiums. Ideally keep your bike in a brick built garage that can be locked. Failing that try to keep it off the road and employ a bike chain and brake disc locks.
As with car insurance, the area where you live will have an impact on your policy too. If you live in a built up, or a high crime, area
you policy may cost you more.
The more miles that you ride your bike the more likely you are to make a claim.
Think carefully when you apply for your policy about the number of miles you plan to do and how much you'll actually use your bike. The fewer miles you ride the lower your premium will be, but don't lie on your application as this can invalidate your policy.
Any extra qualifications and tests you can take the better. If you can prove to your insurer that you're a safe and competent rider they're more likely to give you a cheaper policy. Enhanced rider schemes like the DSA Certificate of Competence will help you become a better rider and could help you get cheap moped insurance for 17 year olds.
A higher excess can reduce your premiums, but make sure this is an amount you can afford to pay should you need to make a claim.
Adding extra riders to your policy
As a 17 year old you may have the option of adding a more experienced person to your policy as a named rider. If your dad has a bike, for example, adding him as a named driver on your policy could lower your premiums provided he has a good record.
Don't fall into the trap of asking a more experienced driver to take out the policy and have you as a named rider. This is an illegal practice known as 'fronting', and the policy will be invalid should you get caught.
Additional features for your policy
Extra cover like motorcycle breakdown, personal injury cover, or helmet and protective clothing insurance can be worth considering. They'll come at a cost, but could save you in the long run and give you priceless peace of mind.
Compare motorbike insurance quotes
Once you've done all of your research and thought about what you can do to lower your premiums you're ready to start comparing cheap 17 year old bike insurance. Don't be put off by high quotes and make sure you try several different providers to make sure you don't miss out on the best deal for you.