With the low cost of fuel and road tax, motorcycles and mopeds are often popular with young riders but finding temporary motorcycle insurance for young riders can be tough.
Borrowing a bike for a weekend or test driving a potential purchase? Temporary insurance is perfect for using a bike you don’t own but need to use on a short-term basis.
All insurance premiums are calculated using a number of different risk factors, from your job to where you store your bike and especially your age.
The lack of riding experience and the reputation of young riders means that many young motorcyclists will find getting cover difficult and nearly always extremely expensive.
To help improve your chances of getting cover and lowering your insurance premiums, young riders are encouraged to choose more sensible mopeds and bikes that haven’t been modified. Premiums are likely to be cheaper if the bike is kept in a secure, locked building overnight to reduce the risk of them being damaged or stolen.
Another way to keep the costs down is to only pay for the cover you actually need. Adding unnecessary extras to your policy can mean the price shoots up.
For example, if you only want to drive on a weekend away or in an emergency then paying for a years’ worth of cover is needlessly expensive. If you want insurance from 1 – 7 days then a temporary policy is perfect for you.
A temporary motorcycle policy gives you comprehensive cover as standard to ride a friend or family member’s bike. It’s great for a range of situations young riders might find themselves in.
If you’re looking to purchase a new bike, naturally you’re going to want to test it out first. Many insurers are unwilling to help out younger riders. For a one-off ride, temporary insurance is great because you only pay for the cover you actually need.
Without a temporary policy, you would have to adjust either yours or the sellers existing policy which can come with excessive admin fees and possibly increase your annual premiums.
With short term cover, you pay a one-off fee to cover you for the duration you’ve selected and as it’s a separate policy that won’t affect any No Claims Discounts you have.
If your motorcycle is off the road because it’s in for repairs or a service, you could find that you’re unable to get around. For most riders, a bike is their main form of transport so without it, you could be stuck.
One option is to borrow a bike from a friend or family member while your ride is being sorted. To borrow someone’s motorbike you have to make sure you’re properly insured to do so. Even if you’re just borrowing it for a day, without the proper insurance you could face penalty points and an unlimited fine.
A temporary policy covers you to ride any relations bike as long as you have their permission. It’s quick and easy to get a policy so if you’re bike breaks down at short notice, you can arrange insurance in minutes.
Once you’ve got your quote your policy details will be emailed to you immediately so there’s no waiting around.
These are just two of a whole range of different situations where temporary insurance can be a real lifesaver.
Getting an online quote is simple and straightforward and will only take a couple of minutes.
You must enter some basic information about yourself and the bike you want to be insured to use. Be sure to have your license number and the number plate of the motorcycle handy as you’ll need these to purchase a policy.
There are some restrictions in place but we are confident we can offer temporary motorcycle insurance to a range of young riders aged 19 and over.
Temporary insurance is perfect for young riders needing short-term cover. It’s flexible to suit your needs and won’t impact any existing insurance you may already have. Find out more about how a temporary policy can help young riders save time, effort and money.
Start a quick and easy quote now and get temporary motorcycle insurance for young riders in minutes.