Motorbike insurance for new riders in the UK is typically expensive due to lack of experience, absence of no claims bonus, and higher accident risk. However, you can reduce costs by choosing a lower insurance group bike, considering telematics policies, and taking advanced training. This guide explains how to save on new rider premiums, with practical tips and real examples.
Why Are Motorbike Insurance Premiums High for New Riders?
New riders in the UK often face some of the highest motorbike insurance premiums. This isn’t just a rite of passage—there are solid reasons why insurers charge more if you’re just starting out.
No Claims Bonus (NCB) Absence
A no claims bonus (NCB) is a discount you earn for each year you ride without making an insurance claim. Experienced riders with several years of NCB can save up to 60% or more on their premiums. New riders, by definition, start with zero NCB, so they miss out on these significant savings.
- Example: A 25-year-old with 5 years NCB might pay £250 for 125cc insurance, while a new rider could pay £600 or more for the same cover.
Age and Inexperience
Young and inexperienced riders are statistically more likely to be involved in accidents. According to the Association of British Insurers (ABI), riders under 25 are almost twice as likely to make a claim compared to older, more experienced bikers.
- Inexperience: Insurers see new licence holders as higher risk, regardless of age.
- Age: Under-25s pay a premium, sometimes double that of older riders.
Higher Accident and Theft Risk
New riders are more likely to make mistakes, and their bikes are often targeted for theft, especially popular models like 125cc machines. This double risk pushes up premiums further.
- Fact: The Metropolitan Police report that 125cc bikes are among the most stolen in London.
Legal Requirements for Motorbike Insurance in the UK
It’s a legal requirement to have at least third party motorbike insurance before riding on UK roads. Riding without insurance can result in a £300 fixed penalty, six penalty points, and your bike being seized. The GOV.UK website outlines the minimum cover required and the penalties for non-compliance.
- Third Party: Minimum legal requirement, covers injury or damage you cause to others.
- Third Party, Fire & Theft: Adds protection for your bike if stolen or damaged by fire.
- Comprehensive: Covers you, your bike, and others, including accidental damage and vandalism.
Types of Motorbike Insurance: Cost Differences Explained
Understanding the main types of motorbike insurance helps you choose the right cover and manage your budget.
Third Party Only (TPO)
- What it covers: Damage or injury you cause to others.
- Typical cost: Cheapest option, but offers no protection for your own bike.
- Who it suits: Riders on a tight budget or with low-value bikes.
Third Party, Fire & Theft (TPFT)
- What it covers: All third party risks, plus your bike if it’s stolen or damaged by fire.
- Typical cost: Around 10–20% more than TPO, but offers more peace of mind.
Comprehensive
- What it covers: All of the above, plus accidental damage to your own bike, vandalism, and sometimes personal injury.
- Typical cost: 20–40% more than TPFT, but can be better value for higher-value bikes or new riders wanting full protection.
Example: A new rider aged 19 might pay:
- £800/year for TPO
- £950/year for TPFT
- £1,200/year for Comprehensive
Tip: Sometimes, comprehensive policies are cheaper than TPFT due to insurer risk models—always compare all types.
Average Motorbike Insurance Costs by Age and Licence Type
Insurance costs for new riders vary widely based on your age, the type of licence you hold, and the bike you ride. Here’s what you can expect to pay in 2026, based on real market data and insurer quotes.
CBT, A1, A2, and Full A Licence Explained
- CBT (Compulsory Basic Training): Lets you ride up to 125cc with L-plates, but not on motorways.
- A1 Licence: For riders aged 17+, allows bikes up to 125cc without L-plates.
- A2 Licence: For riders aged 19+, allows bikes up to 35kW (approx. 47bhp).
- Full A Licence: For riders aged 24+ (or 21+ via progressive access), no power restrictions.
Average Annual Insurance Costs (2026 Estimates)
| Rider Age | Licence Type | Typical Bike | Annual Premium (Third Party, Fire & Theft) |
|---|---|---|---|
| 17-19 | CBT | 125cc | £700–£1,200 |
| 20-24 | A1/A2 | 125–400cc | £400–£900 |
| 25-34 | A2/Full A | 400–600cc | £300–£700 |
| 35+ | Full A | 600cc+ | £180–£500 |
Note: Fully comprehensive cover can cost 20–40% more, but offers better protection.
Factors Affecting Your Quote
- Location: Urban postcodes (e.g., London, Manchester) cost more due to theft risk.
- Bike Value: Expensive or modified bikes attract higher premiums.
- Storage: Garaged bikes are cheaper to insure than those kept on the street.
Cheapest 125cc Motorbikes to Insure (Insurance Group Comparison)
Choosing the right 125cc bike can make a big difference to your insurance cost. Insurers use “groups” to rate bikes, with Group 1 being the cheapest to insure.
What Are Insurance Groups?
- Group 1: Lowest risk, cheapest to insure (e.g., Honda CB125F)
- Group 2–3: Slightly higher risk, still affordable (e.g., Yamaha YS125)
- Group 4+: Sportier or more valuable bikes, higher premiums
Top 125cc Bikes by Insurance Group (2026)
| Make & Model | Insurance Group | Typical Annual Premium (New Rider, Age 18) |
|---|---|---|
| Honda CB125F | 1 | £650 |
| Yamaha YS125 | 2 | £670 |
| Lexmoto Isca 125 | 1 | £600 |
| Suzuki GSX-S125 | 3 | £800 |
| KTM Duke 125 | 4 | £950 |
| Aprilia RS 125 | 5 | £1,100 |
Tip: Avoid sports-styled 125s if you want the lowest premium.
Other Ways to Lower Your 125cc Insurance
- Choose a bike with ABS (Anti-lock Braking System) for safety discounts.
- Avoid modifications—aftermarket exhausts, custom paint, or extra power can increase your premium.
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How to Choose the Right Excess (and Its Impact on Premiums)
The “excess” is the amount you pay towards a claim. Choosing the right level can make a real difference to your premium.
- Compulsory excess: Set by the insurer, non-negotiable.
- Voluntary excess: You choose this amount. Higher voluntary excess = lower premium.
Example: Raising your voluntary excess from £250 to £500 could save £50–£150/year, but make sure you could afford to pay this if you need to claim.
Tip: Don’t set your excess higher than you could comfortably pay in an emergency.
Telematics Motorbike Insurance Policies
Telematics (or “black box”) insurance uses a device or smartphone app to monitor your riding style. If you ride safely, you could earn lower premiums—even as a new rider.
How Telematics Works
- A small GPS device is fitted to your bike, or you use a mobile app.
- The system tracks speed, acceleration, braking, and time of day.
- Safer riding is rewarded with discounts or cashback.
Pros and Cons for New Riders
Pros:
- Can save 10–30% compared to standard policies.
- Good for young riders with no NCB.
- Encourages safe habits.
Cons:
- Privacy concerns (your journeys are tracked).
- Penalties for harsh acceleration or riding late at night.
- Not all insurers offer telematics for motorbikes.
Example: Telematics Savings
- An 18-year-old on a Honda CB125F might pay £1,000 for standard cover, but £750 with a telematics policy after 12 months of safe riding.
Popular providers: Lexham, Carrot, and MCE offer telematics options for new riders.
Building a No Claims Bonus on Your Motorbike
A no claims bonus (NCB) is the single biggest factor that reduces your premium over time. Here’s how to start building yours from your very first year.
How NCB Works
- For each year you don’t make a claim, you earn 1 year’s NCB.
- Most insurers offer up to 5 years NCB, with discounts of 50–65%.
- You can transfer NCB between insurers, but not between car and bike policies.
Tips to Build Your NCB Faster
- Start on Your Own Policy: If you’re a named rider, you usually won’t earn NCB—get your own policy as soon as possible.
- Choose a Higher Excess: Agreeing to pay a higher voluntary excess can lower your premium, but make sure it’s affordable if you need to claim.
- Avoid Small Claims: If you can afford minor repairs, pay for them yourself to protect your NCB.
Example: NCB Savings Over 5 Years
| Years NCB | Typical Discount | Example Annual Premium (Honda CB125F, Age 20) |
|---|---|---|
| 0 | 0% | £700 |
| 1 | 20% | £560 |
| 3 | 40% | £420 |
| 5 | 60% | £280 |
Advanced Training Discounts: ERS, IAM RoadSmart & More
Completing an advanced riding course can cut your insurance costs and make you a safer rider. Many UK insurers recognise these qualifications.
Enhanced Rider Scheme (ERS)
- Run by the Driver and Vehicle Standards Agency (DVSA).
- Tailored to your needs—no test, just a practical assessment.
- Certificate can earn you a 10–20% discount with participating insurers.
IAM RoadSmart
- The Institute of Advanced Motorists (IAM) offers the Advanced Rider Course.
- Includes theory and on-road coaching, followed by a test.
- Successful completion can unlock discounts with major insurers.
RoSPA Advanced Riding
- The Royal Society for the Prevention of Accidents (RoSPA) offers advanced tests.
- Gold, Silver, or Bronze awards—Gold can attract the best discounts.
Example: Insurer Discounts
| Course | Typical Discount | Participating Insurers |
|---|---|---|
| ERS Certificate | 10–20% | Devitt, Bikesure, Lexham |
| IAM RoadSmart Pass | 10–15% | Carole Nash, Bennetts, MCE |
| RoSPA Gold | 15–20% | Specialist brokers |
Tip: Always declare your qualification when getting quotes.
Expert commentary: According to the DVSA, advanced training not only reduces premiums but also significantly lowers your risk of an accident in your first two years of riding.
Security Device Discounts: Thatcham-Approved Locks, Trackers & More
Improving your bike’s security not only protects your pride and joy but can also lower your insurance premium.
Thatcham-Approved Security
Thatcham Research rates security devices for effectiveness. Insurers often require or reward use of Thatcham-approved locks, alarms, and trackers.
- Category 3: Mechanical locks (e.g., disc locks, chains)
- Category 1: Electronic alarms and immobilisers
- Category S7: GPS trackers
Example: Security Device Savings
| Security Device | Typical Premium Reduction | Example Brands |
|---|---|---|
| Thatcham Cat 3 Lock | 5–10% | Oxford, Abus, Squire |
| Thatcham Cat 1 Alarm | 10–15% | Datatool, Meta |
| Thatcham S7 Tracker | 15–20% | BikeTrac, Datatool, Monimoto |
Tip: Always keep receipts and register your devices—insurers may ask for proof.
Additional Security Tips
- Park in a garage or secure car park overnight.
- Use multiple locks—one through the frame, one through a wheel.
- Mark your bike with a forensic marking kit (e.g., Datatag).
Authoritative source: For more on approved security devices, see Thatcham Research.
The Impact of Modifications on Insurance Costs
Modifying your bike can be tempting, but even small changes can push up your premium or invalidate your cover if not declared.
- Common modifications: Aftermarket exhausts, custom paint, performance upgrades, different indicators or mirrors.
- Insurer view: Modifications often mean higher risk of theft or accident, so premiums rise—sometimes by 10–50%.
- Disclosure: Always declare all modifications, even cosmetic ones. Non-disclosure can void your policy.
Tip: If you want to keep costs down, stick to factory standard.
How to Secure and Store Your Bike to Reduce Risk
Where and how you store your bike has a big impact on your insurance premium.
- Garage: Storing your bike in a locked garage can save £100–£250/year compared to street parking.
- Driveway: Cheaper than street parking, but not as secure as a garage.
- On-street: Highest risk, highest premium.
Extra steps:
- Use a ground anchor and heavy-duty chain.
- Install CCTV or security lighting if possible.
- Never leave keys near doors or windows at home.
Named Rider vs Own Policy for Learners
If you’re learning to ride, you can either be added as a named rider to someone else’s policy or take out your own learner policy. Each option has pros and cons.
Named Rider on Someone Else’s Policy
- Pros: Cheaper upfront, especially if a parent or experienced rider is the main policyholder.
- Cons: You usually don’t earn your own NCB. Claims could affect the main policyholder’s NCB.
Own Learner Policy (CBT Insurance)
- Pros: Start building your own NCB from day one.
- Cons: Higher initial premium, but pays off in the long run.
Example: Cost Comparison
| Option | Annual Premium (125cc, Age 18) | NCB Earned? |
|---|---|---|
| Named rider (parent’s) | £450 | No |
| Own learner policy | £700 | Yes |
Verdict: If you plan to ride long-term, start your own policy as soon as possible.
What to Do After an Accident or Claim as a New Rider
If you’re involved in an accident or need to make a claim, follow these steps:
- Stay safe: Move to a safe place and check for injuries.
- Exchange details: Swap names, addresses, and insurance info with others involved.
- Gather evidence: Take photos, note witness details, and record the scene.
- Contact your insurer: Report the incident as soon as possible, even if you’re not claiming.
- Follow up: Keep records of all communication and repairs.
Tip: Failing to report an incident can invalidate your policy, even if you don’t make a claim. For more, see MoneyHelper’s guide to making a motorbike insurance claim.
Popular Insurers for New Riders in the UK: Comparison
Here’s a quick look at some of the most popular motorbike insurers for new riders, with typical premium ranges and standout features.
| Provider | Typical Premium (125cc, Age 18–21) | Telematics Option | Advanced Training Discount | Notable Features |
|---|---|---|---|---|
| Lexham | £650–£1,000 | Yes | Yes | Learner-friendly, monthly pay |
| Devitt | £700–£1,100 | No | Yes | Multi-bike discounts |
| MCE | £750–£1,200 | Yes | Yes | Custom bike cover |
| Carole Nash | £700–£1,100 | No | Yes | Breakdown cover included |
| Bennetts | £800–£1,300 | No | Yes | 90-day European cover |
| Bikesure | £700–£1,200 | No | Yes | Modified bike specialists |
Tip: Always compare quotes directly on providers’ websites and via comparison sites for the best deal.
Real-World Case Study: Saving on New Rider Insurance
Case Study: Tom, Age 19, London
- Bike: Honda CB125F (Group 1)
- Licence: CBT
- Initial quote: £1,200 (TPFT)
- Actions taken:
- Completed Enhanced Rider Scheme (ERS) for 15% discount.
- Installed Thatcham Cat 3 lock and S7 tracker (combined 20% discount).
- Opted for a £500 voluntary excess.
- Chose telematics policy with Lexham.
- Final premium: £765/year
Result: Tom saved over £400 by combining training, security, and telematics—plus he started building his own NCB.
Frequently Asked Questions
What is the minimum legal requirement for motorbike insurance in the UK?
You must have at least third party insurance to ride a motorbike on UK roads. This covers injury or damage you cause to others, but not your own bike. Riding uninsured can result in fines, points, and your bike being seized. See GOV.UK for details.
How can I reduce my first-year motorbike insurance premium?
Choose a low-insurance-group bike, complete advanced training (like ERS or IAM), install Thatcham-approved security, consider a telematics policy, and compare quotes from multiple providers. Building your own no claims bonus from year one is also key to reducing future costs.
Do modifications always increase my motorbike insurance?
Most modifications—especially performance or cosmetic changes—will increase your premium, sometimes by 10–50%. Always declare all modifications to your insurer. Undeclared mods can invalidate your policy and any claim you make.
What happens if I make a claim as a new rider?
If you make a claim, you may lose some or all of your no claims bonus, and your premium is likely to increase at renewal. Always report any incident to your insurer, even if you don’t claim, as non-disclosure can void your policy.
Can I transfer my car no claims bonus to my motorbike insurance?
No, car and motorbike NCB are separate. You must build a separate NCB for each vehicle type. Some specialist insurers may offer an introductory discount if you have a proven car NCB, but this is not standard.
Common Mistakes New Riders Make (and How to Avoid Them)
Learning to ride is exciting, but there are some common insurance pitfalls that can cost you dearly.
1. Not Shopping Around
Many new riders accept the first quote they get. Always compare at least 3–5 quotes from different providers and brokers.
- Tip: Use comparison sites, but also call specialist brokers directly.
2. Under- or Over-Insuring
- Under-insuring: Choosing third party only to save money, but leaving yourself exposed to theft or fire.
- Over-insuring: Paying for extras you don’t need (e.g., European cover if you never travel abroad).
3. Failing to Declare Modifications
Any change from factory standard—exhaust, indicators, paint—must be declared. Non-disclosure can invalidate your policy.
4. Ignoring Excess Levels
A high voluntary excess reduces your premium, but make sure you can afford it in the event of a claim.
5. Not Securing the Bike Properly
Many claims are rejected if the bike wasn’t locked as required by your policy. Always follow your insurer’s security conditions.
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Conclusion: How to Get the Best Deal on Motorbike Insurance as a New Rider
Motorbike insurance for new riders in the UK can be expensive, but you have more control over the cost than you might think. Start by choosing a low-insurance-group 125cc bike, consider telematics if you’re a safe rider, and invest in advanced training and security devices. Build your own no claims bonus from year one and always compare quotes before you buy.
Action steps:
- Pick a lower-risk bike and avoid modifications.
- Complete advanced training (ERS, IAM) for instant discounts.
- Invest in Thatcham-approved security for extra savings.
- Build your NCB on your own policy, not as a named rider.
- Shop around every renewal—never auto-renew without checking the market.
By following these tips, you’ll not only save money but also become a safer, more confident rider. Safe travels!
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