Five keys to hiring your first motorcycle insurance

Five keys to hiring your first motorcycle insurance

Discover the particularities of the policies for young drivers or beginners in their first motorcycle insurance.

If insurers 'feed' on something, it's statistics. They take them into account, especially when offering the client a certain budget for their motorcycle insurance since without them it would be difficult for them to do business. A special chapter in this sense is the one that the companies dedicate to both younger drivers and those who lack experience on two wheels, regardless of their age.

The first policy, more expensive

As a consequence of the data that these analyzes show, motorcycle insurance for young people and novice riders are usually more expensive than those subscribed by experienced people with years of license. For this reason, it is easy for the price of the first motorcycle insurance of a young son, a boy, or a person who is new to the motorcycle to skyrocket, since the statistics play against him.

The exception at this point is made by those who take out their first motorcycle insurance after having a car license for years since that experience will work in their favor.

considerations prior to taking motorcycle insurance

If you find yourself in any of these three situations, you should take into account the following five keys before hiring your first motorcycle insurance :

1. It is easy for you to find more than one closed door, since many companies, directly, do not even insure young or novice drivers. With our comparator, it will not take 60 seconds to find out the ones that do give you a price.
2. Be very careful with putting the insurance in the name of your father, your mother, or another person older than you to get some savings. You should consider that motorcycle policies are usually nominal, so that the policyholder, the driver, and the owner are usually the same people and, in any case, the policyholder (the one who signs the insurance) and the driver will almost always coincide. . In other words, your motorcycle insurance insures you and is designed for you, with a specific price for you and not for someone else. Although it is true that it is possible that your parents include you as a second pilot,, as is logical, it will make their policy more expensive. In spite of this, it is not an option that should be discarded without more: it will be necessary to contact the insurer and take numbers.
3. In addition to age, another of the most relevant aspects for insurers is the cylinder capacity of the motorcycle. In this case, since a novice driver cannot, by law, start using a very powerful motorcycle from the outset, the system itself benefits inexperienced riders. In fact, the most common motorcycles among young people and adolescents are scooters or small displacement motorcycles.
4. What is the best modality for a beginner? Taking into account the previous aspect, and that comprehensive policies are not the most common among bikers (in cars they are more common and that is only one of the differences between both insurances ), the most advisable option for a new driver who If you don't want to pay an expensive fee, it is third-party insurance extended with basic coverage such as pilot accidents and travel assistance ( remember that you can request the latter on your own ).
5. In addition to the price, we must not forget that the coverage for a young and/or inexperienced driver is usually lower since the companies do not provide them with the same conditions as a driver with a long history or not even in relation to a client. medium. So much so, that certain companies in the sector do not cover, for example, the companion.

However, the key is to generate, year after year, a good driver's record, which may be due to the progressive nature of the motorcycle license system. In this way the price of the insurance will be reduced, albeit little by little.