Over 50s Motorcycle Insurance

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Over 50's Motorcyle Insurabce

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Over 50s Motorcycle Insurance Guide

Over 50's Motorcyle Insurabce

Motorbike insurance in the UK is as essential as car insurance. There are various types of covers available for various riders. An important section of riders is over 50 years of age, riders who are seasoned and have proven riding skills.

This guide will walk you through the ins and outs of motorcycle insurance, allowing you to make informed decisions and stay safe on the road.

Why Insurance is Necessary for the Bikers

Uninsured bikers face harsh penalties, such as fines of up to £200 and disqualification from riding. You can also receive at least six penalty points on your driving licence, which will transfer to your car licence, potentially barring you from driving any vehicle and cancelling your motorcycle and car licence.

Benefits of Over 50s Motorcycle Insurance

There are multiple benefits of Over 50s Motorcycle Insurance for advanced motorists and their motorbikes. It provides security and protects the owner from various damages concerning the vehicle as well as in a personal capacity.

  • The most important and attractive feature of Over 50s Motorcycle Insurance is its low cost. The insurance providers take seasoned riders as a lower risk to the property due to their experience.
  • The over 50s Insurance also provides various discount packages to various clients, including the members of certain biker groups, older riders, those with lower mileage and zero/ nill No Claim Bonus on the record.
  • Certain insurance companies also offer an agreed-value option as the best deal for the owners of vintage, classic or modified bikes.
  • The insurance cover also includes certain add-ons for the bikers, including legal cover, breakdown cover, clothing, or helmet cover to help the insurers get extra protection in case of accidents, breakdown or theft.

Challenges of Over 50s Motorcycle Insurance

First and foremost, this is a specialised cover that every insurance provider does not offer. You may have to take a deeper dig in the insurance market to get a specialist insurer to issue you a cheaper insurance policy for Over 50s Motorbike Insurance.

Secondly, most insurance providers require a detailed medical certification clearance for the riders before issuing the policy.

The third challenge is that some providers do not include classic bike, modified or custom-designed vehicles under the cover, as the cost estimations to recover can vary from the market value.

Types of Motorbike Insurance

Third-Party Only (TPO): This is the bare minimum legal requirement, and it covers liability for bodily harm and property damage to others. It excludes any damage to your own motorcycle.

Third-party, Fire, and Theft (TPFT) insurance covers your motorcycle if it is stolen or damaged by fire in addition to third-party coverage.

Comprehensive cover is the most extensive one. It includes third-party, fire, and theft coverage, as well as coverage for your own motorcycle’s damage, medical expenses, and, in some cases, additional benefits such as personal injury protection and accessory coverage.

Factors Affecting Motorbike Insurance Costs

Several factors influence how much you’ll pay for motorbike insurance:

  • Type and Value of the Bike: High-powered, classic bikes and expensive motorcycles often come with higher insurance costs for motorbike owners.
  • Location: Where you live and park your bike can impact premiums. Urban areas may have higher rates due to increased theft and accident risks.
  • Usage: The more you ride, the higher your risk. Annual mileage, e.g. Commuting, racing, and touring, can affect your premiums.
  • Security Measures: Installing security features like alarms or keeping your bike in a secure garage can reduce costs of your insurance premiums.

Tips for Saving on Motorbike Insurance

  • Compare Quotes: Gather motorcycle insurance quotes from various insurance companies to find the best price.
  •  Advanced Riding Courses: Completing advanced riding courses can help you save money on your insurance.
  • No-Claim Discount: You can save money and get a discount by establishing a no-claims history.
  • Mileage Cap: If you ride infrequently, look for a policy with a lower mileage cap for the cheapest price.
  • Multi-Policy Discounts: Combining your motorcycle insurance with other policies, such as car insurance, can often result in cost savings. For bike traders, multi van insurance is also an option, so you can include transport vans and bikes into one policy. 

Compare motorbike Insurance for over 50's with MultiQuoteTime

Motorcycle insurance is more than just a legal requirement; it’s also your financial safety net when you’re out on the open road. Choosing the proper coverage and provider can make or break your riding experience. Take the time to weigh your options, understand your policy, and consider your specific requirements as a motorcycle enthusiast. With the right insurance in place, you can ride with confidence, knowing you’re covered every step of the way. Check out options and prices what Hastings Direct motorcycle insurance, Bennets, MCE, AVIVA, Bikesure insurance and other leaders in this insurance sector 

Motorbike Insurance for over 50s FAQ's

Does age affect motorcycle insurance?

Yes, older riders, such as those over the age of 30 or 40, often have lower premiums because they are regarded as more experienced and less prone to risky behaviour.

Are older bikes more expensive to insure?

No, older bikes are less expensive to insure. This is due to the lower replacement cost of older bikes, as well as their perception as less appealing targets for theft. However, if you are taking classic bikes, then you will need specialist classic motorbike insurance.

Who is the best motorcycle insurance company in the UK?

Selecting the best motorcycle insurance company in the UK can be subjective, depending on individual needs and preferences. Bennetts, Principal bike insurance, Devitt, MCE Insurance, and Bennets motorbike insurance are some of the most well-known and highly rated motorcycle insurance providers in the UK. To find the best one for you, compare quotes, coverage options, and customer reviews based on your specific needs and budget.

Over 50's MotorbikeInsurance FAQs

Does Motorbike Insurance Get Cheaper as you get older? 

In general, most insurance products get cheaper as you age. In the case of over 50s Motorcycle insurance for example, the risk to the insurance provider is reduced. This is based on empirical evidence in terms of the number and size of claims made by bike riders over 50 are less common than younger age groups.

When we reach our more senior years, the reverse can occur, with increase premiums for over 80's motorhome insurance and car insurance for over 80s. At this stage of our lives, we tend to pose increased risk to insurance providers. As we age are reaction times reduce, this along with other age related ailments can increase the likelihood of a claim which will may be reflected in higher car and motorbike insurance premiums. 

On the bright side we can expect home insurance premiums to reduce as you reach the following milestones of life over 50, over 60's, over 70 or over 80's home insurance and beyond.

Is over 60 motorcycle insurance available?

The panel of specialist Insurance providers that we have access to are able to provide motorbike insurance to all ages. If you need to compare the cost for over 60's, spend a few minutes to complete the quote form and see how much you could save on your over 60s motorcycle insurance. 

Can I get motorbike insurance if I am 100 years old?

Whilst we are all living older, reaching 100 is still for the very few in the UK. But the question is really do bike insurance companies impose an upper age limit on providing cover for bike riders.  The answer is that some on the panel will exclude some age groups, others are still able to provide quotations and cover for drivers over 80 and above!

*51% of consumers who received a quote for Motorbike Insurance through this service provided by Seopa Ltd. in February 2024 were quoted less than £238.63. The price you could
achieve is dependent on your individual circumstances.

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