Motorcycle Insurance For Older Riders
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Do older motorcycle riders pay more for insurance?
Older riders reportedly make up around 20 per cent of motorbike users, so many providers offer cover to this group. Use our independent and unbiased comparison tool to find quotes from more than 100 providers across the country.
If you have questions, then read on to find key information about choosing a motorcycle insurance provider for older riders.
Not necessarily. Usually, younger motorcycle riders pay more for insurance. They are usually less experienced. Some insurers may not offer policies to riders under the age of 25.
Motorcycle insurance for older riders may cost less because the rider is more experienced. If you haven’t been riding long, you may not have the same benefits. Older riders are often considered to be safer. This should mean lower insurance costs.
What type of motorcycle insurance for older riders can I get?
To ride a bike on UK roads you must have third party insurance. This helps protect you if there is damage to another vehicle in an accident. You may add fire and theft cover to your third party policy for extra protection.
Comprehensive insurance offers more protection, with cover for the costs of repairs if there is damage from an accident.
Can I reduce the cost of motorcycle insurance for older riders?
Motorcycle insurance for older riders should be available at a competitive price. But there is usually more you can do to reduce the cost, whether you drive a Harley Davidson or not.
If you can afford it, you may choose to pay your premium annually. Paying in one go is usually cheaper than paying in monthly instalments. This may reduce the cost of your cover.
If you’re only using your motorcycle for leisure, low mileage may reduce risk and cut the cost of your premium.
Where you keep your motorbike may make a difference. Keep your motorbike secure in a garage, or in a driveway. This extra security can reduce cost. There are other security extras, such as immobilisers. Extra security features can reduce risk and make insurance cheaper.
You may also consider an advanced riding course to increase your skills. Courses like these can benefit riders. They may also reduce the cost of your premium.
How do I accept an insurance quote?
Compare a range of quotes to find one that offers the cover you need. Then choose the motorcycle insurance for older riders policy you are happy with. You can usually accept and complete your purchase easily online. Make sure you provide all the details that the provider asks for.