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Your motorbike insurance premium explained

Find out how we work out the cost of motorbike insurance
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Your age and riding experience

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Unsurprisingly, statistics show that younger motorcycle riders are more likely to be involved in road traffic accidents, and make insurance claims, than any other age group.

As you get older and gain more 'on the road' experience, you'll be less likely to claim. As a result, older bikers usually pay less for their insurance than younger riders.

Your motorbike

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The size, make, engine capacity and type of motorbike you ride has an effect on the cost of your premium. A large, powerful bike tends to be more expensive to insure because the cost to repair it will be greater.

Your experience of riding certain types of motorbike matters too. For example, if you're getting a quote for a Honda Fireblade but you've never ridden such a powerful bike before, your insurance will be much higher.

Where you live

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Did you know, your local area has an effect on the cost of your motorbike insurance? Normally, in areas where the risk of accidents is greater (typically more urban and population dense areas), you'll pay more. The same applies if you live somewhere that has high levels of vehicle crime.

Also, where you park your bike will affect the price. Naturally, a bike locked away in your garage is less risky than leaving it parked on the road.

When and how far you drive your motorbike

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If you use your motorbike to commute to work, it's likely you'll have to pay more for cover, as you'll be riding when the roads are busier.

Your annual mileage is also an important consideration. That's because the more you ride, the more likely you are to be involved in an accident.

No claim discount

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If you don't make a claim on your motor insurance, insurers see that as a sign that you're a safer rider and so you're often rewarded with a No Claim Discount (NCD) every year. The more NCD you have, the better your annual price will be.

Your claims and convictions

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Our experience shows that riders who have made a number of claims in the past - or have had motoring convictions like speeding fines - are more likely to make a claim. This extra risk is normally reflected in a higher premium price.

Passengers on your motorbike

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If you ride with a pillion passenger, the chances of you having an accident are increased because of the extra weight and the possibility of becoming unbalanced. Motorcyclists who regularly carry pillion normally have to pay more for their insurance.

Changes in legislation

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Changes to government legislation can have an effect on the price of your motorbike insurance. For example, in February 2017, there was a big change to the personal injury discount rate (or Ogden rate). The legislation meant insurers must now pay out larger lump sums for personal injury claims, which pushes up the price of insurance for consumers.

Changes in taxation imposed by the government can also affect your price: Insurance Premium Tax (IPT) is a tax on general insurance premiums and has increased incrementally since it was introduced.

The rising costs of parts and labour

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The cost of bike parts and employing skilled mechanics to repair damaged motorbikes is going up. Also, if you have an imported motorbike, it will be difficult and expensive to get hold of replacement parts.

All of this has a knock on effect on the price of your insurance premium.

The increasing cost of claims

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Millions of claims on motor insurance policies are made every year. As bikes become more and more sophisticated, the costs of parts, labour and the expertise needed to repair them goes up. But the cost of a personal injury claim is even more expensive than 'bent metal'.

Making sure someone injured in a bike accident receives enough money to support them during their recovery is important. As most insurers pay out the majority of the premiums you pay in claims, prices have to go up to cover these costs.