It is difficult to answer the question of how much motorcycle insurance will be for first time rider because there are too many factors to consider.
The insurance quote will not just take into account how much on the road experience a rider has, it will also consider the riders age, the bike, where the bike will be kept overnight, what the bike will be used for, and unfortunately for many people, the postcode of the permanent residence will also make big difference to the policy.
Younger riders are likely to be penalised the heaviest as they will be considered the highest risk for accidents. Younger riders who live in an area that is considered high crime will also find that their policy quote could be eye wateringly huge. An area that is more rural will often produce lower insurance quotes than that of a big city.
If you are going to be using your bike purely for leisure purposes the policy will likely be less than those who will be using their bike as their sole mode of transport, commuting back and to for work and social outings. If a first time rider is able to store their motorbike in a securely locked garage they will definitely feel the benefit when it comes to paying for their vehicle insurance.
First time riders who are concerned about the cost of their insurance should try to avoid buying a bike that has a large engine as their first vehicle. Larger engine bikes are much more powerful and inexperience drivers may struggle to keep control, therefore they are a higher risk. By spending the first few years on a smaller CC bike, premiums will be lower; there is less risk of accident and therefore a better chance of having no-claims bonuses when it comes to policy renewal time.
Before buying a bike, use a price comparison site to find out how much the different companies are likely to charge for the insurance before you actually commit to the sale. Many new riders can expect their insurance to be over £1000 for the year, although it does depend on the age of the rider. It is possible to spread the cost of insurance over the year. Some companies will ask for the breakdown to be over 12 months, others will insist on 10 equal monthly payments.
First time riders can often expect to receive a bonus from their insurance company as a thank you for taking out the policy. This could be anything from shopping vouchers to 1 month free insurance. The free month will usually apply at the end of the year.it is important though for new riders to not be taken in by these incentives as it could often mean that the policies are a little higher than elsewhere.
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