Young Riders: What You Need To Know About Insurance

If you’re aged between 16 and 25, it’s likely that you’ll be classed as a young biker. There aren’t specific insurance policies for people your age, but even if you have a provisional driving license or have recently passed your test, there will be an insurance policy out there to suit you.

No. It’s essential that you have insurance if you own a bike, even if you haven’t passed your test.

• Be insured: If you’re riding without insurance, you’re not just putting yourself and your bike at risk, but you’re breaking the law too, which could result in a fine, points on your licence, and potentially a driving ban.
• Do plenty of research: Look for the best policy to suit your needs and think about factors such as the excess - the amount you pay towards a claim you make on your bike insurance - and mileage limitations, if there are any.

We offer a range of policies, including third party insurance, as well as cover for custom and imported bikes.

Even if you have a valid CBT certificate and have passed your driving test, your first insurance policy can often be quite costly. Here are some tips which could help reduce the amount you spend:

• Take a RoSPA (Royal Society for the Prevention of Accidents) - this helps to prove that you’re taking steps to be a responsible and safe biker, which can in turn reduce your insurance quote.
• Invest in your bike security - a good quality alarm or immobiliser can reduce the chances of your bike being stolen and can reduce your insurance premium.
• Invest in essential gear - quality helmets and leathers can protect you while you’re riding.
• Take additional courses - The Institute of Advanced Motoring offers a range of courses to improve your road sense which can help reduce the cost of your insurance.

Compare how much you can get bike insurance for with a quote online today.

Find out more about Bike Insurance from Swinton

• Bike Insurance - Join thousands of bikers currently on our books
• Scooter Insurance - From retro to import scooters, we can find a policy for you

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