The thrill of riding a motorcycle is by far one of the greatest experiences you can have. After all, who doesn’t love a cruise to the coast at the weekend to take in some fresh air and picturesque sights? However, riding a motorcycle is not cheap, and you may be asking yourself, why is your motorcycle insurance so expensive?
The reasons why your motorcycle insurance is so expensive are complex, and there are many factors, so the purpose of this post is to go through everything you need to know about what information insurance companies use to determine the cost of motorcycle insurance.
1. The power and value of a motorcycle can come at a price.
One of the main reasons why motorcycle insurance is so expensive is that the power and price of motorcycles translate to higher insurance premiums. Insurers understand that due to a motorcycle’s speed in the event of an accident, there will invariably be more damage and injury caused to the rider and potentially other road users.
The higher costs of motorcycles may also mean the insurer has to pay out should it be a total loss in an accident.
2. Motorcycles offer limited protection in a crash.
A motorcycle offers you the freedom and exhilaration to be at one with the elements. This, however, can be why motorcycle insurance is so expensive because, compared to a car, you have little protection from other road users.
Cars are more stable and have seat belts and airbags protecting the driver if an accident should happen, compared to a motorcyclist, who has none of that protection and is at greater risk of injury or death.
3. Riders age and experience
The older you are, the more likely it is that you will have more experience riding your motorcycle, which means you can enjoy lower insurance costs. Insurers understand that with a lower age comes the potential for taking risks and riding in a way that could injure themselves or other road users. This means people under the age of 25 will pay more for insurance than someone who is older.
4. Claims history
The more claims you make on your motorcycle insurance, the more costly your insurance will be in the future. Making claims on your insurance, even if they are only minor scratches or damage, can be one reason why your motorcycle insurance is so expensive.
5. Having the right brakes matters.
Choosing an older motorcycle may not only cost you your safety but also cost you more to insure. An older motorcycle may not have the most up-to-date braking system, such as anti-lock brakes or stability control, which can prevent accidents. If this is the case with your motorcycle, you may find that you pay more for your insurance because you are deemed to be at a higher risk of injury and accidents.
6. Where you ride matters.
Meandering through low-traffic country roads is not only a great experience on your motorcycle, but it is also great for your bank balance. If you commute or ride in urban areas, this can be why motorcycle insurance is so expensive. Living in a city means higher numbers of vehicles on the road and greater potential for theft, which unfortunately can mean higher insurance costs due to risks such as theft or accidents.
On the other hand, if you live in more rural areas of the country where traffic volume is lower and there is less potential for theft, you will enjoy lower insurance costs.
7. The insurance coverage you choose matters.
The type of coverage you choose can also be a reason why motorcycle insurance is so expensive. Fully comprehensive motorcycle insurance will offer the most amount of protection but will cost more, whereas third-party coverage is cheaper and will save you money. However, if you are involved in an accident, you will have to pay for the damage to your motorcycle yourself.
8. Riding irresponsibly may be costing you.
Careless and reckless riding may be why your motorcycle insurance is so expensive. Speeding and irresponsible riding that results in fines and points on your licence means you are a bit of a red flag when it comes to insurers providing a quote. As a result, you may have to pay more for your motorcycle insurance.
Conclusions
As you can see, many of the reasons why your motorcycle insurance is so expensive can be attributed to factors that relate to the rider personally, such as riding style, age, and experience. Being a calm and thoughtful motorcycle rider can improve your driving record, leading to lower insurance, which is one of many tips to get a cheaper motorcycle and scooter insurance quote.
Location also plays a factor in increasing your motorcycle insurance, and while I wouldn’t suggest you move, knowing this information may help you understand why your insurance has increased.
ugoscootersblog.com 
The thrill of riding a motorcycle is by far one of the greatest experiences you can have. After all, who doesn’t love a cruise to the coast at the weekend to take in some fresh air and picturesque sights? However, riding a motorcycle is not cheap, and you may be asking yourself, why is your motorcycle insurance so expensive?
The reasons why your motorcycle insurance is so expensive are complex, and there are many factors, so the purpose of this post is to go through everything you need to know about what information insurance companies use to determine the cost of motorcycle insurance.
1. The power and value of a motorcycle can come at a price.
One of the main reasons why motorcycle insurance is so expensive is that the power and price of motorcycles translate to higher insurance premiums. Insurers understand that due to a motorcycle’s speed in the event of an accident, there will invariably be more damage and injury caused to the rider and potentially other road users.
The higher costs of motorcycles may also mean the insurer has to pay out should it be a total loss in an accident.
2. Motorcycles offer limited protection in a crash.
A motorcycle offers you the freedom and exhilaration to be at one with the elements. This, however, can be why motorcycle insurance is so expensive because, compared to a car, you have little protection from other road users.
Cars are more stable and have seat belts and airbags protecting the driver if an accident should happen, compared to a motorcyclist, who has none of that protection and is at greater risk of injury or death.
3. Riders age and experience
The older you are, the more likely it is that you will have more experience riding your motorcycle, which means you can enjoy lower insurance costs. Insurers understand that with a lower age comes the potential for taking risks and riding in a way that could injure themselves or other road users. This means people under the age of 25 will pay more for insurance than someone who is older.
4. Claims history
The more claims you make on your motorcycle insurance, the more costly your insurance will be in the future. Making claims on your insurance, even if they are only minor scratches or damage, can be one reason why your motorcycle insurance is so expensive.
5. Having the right brakes matters.
Choosing an older motorcycle may not only cost you your safety but also cost you more to insure. An older motorcycle may not have the most up-to-date braking system, such as anti-lock brakes or stability control, which can prevent accidents. If this is the case with your motorcycle, you may find that you pay more for your insurance because you are deemed to be at a higher risk of injury and accidents.
6. Where you ride matters.
Meandering through low-traffic country roads is not only a great experience on your motorcycle, but it is also great for your bank balance. If you commute or ride in urban areas, this can be why motorcycle insurance is so expensive. Living in a city means higher numbers of vehicles on the road and greater potential for theft, which unfortunately can mean higher insurance costs due to risks such as theft or accidents.
On the other hand, if you live in more rural areas of the country where traffic volume is lower and there is less potential for theft, you will enjoy lower insurance costs.
7. The insurance coverage you choose matters.
The type of coverage you choose can also be a reason why motorcycle insurance is so expensive. Fully comprehensive motorcycle insurance will offer the most amount of protection but will cost more, whereas third-party coverage is cheaper and will save you money. However, if you are involved in an accident, you will have to pay for the damage to your motorcycle yourself.
8. Riding irresponsibly may be costing you.
Careless and reckless riding may be why your motorcycle insurance is so expensive. Speeding and irresponsible riding that results in fines and points on your licence means you are a bit of a red flag when it comes to insurers providing a quote. As a result, you may have to pay more for your motorcycle insurance.
Conclusions
As you can see, many of the reasons why your motorcycle insurance is so expensive can be attributed to factors that relate to the rider personally, such as riding style, age, and experience. Being a calm and thoughtful motorcycle rider can improve your driving record, leading to lower insurance, which is one of many tips to get a cheaper motorcycle and scooter insurance quote.
Location also plays a factor in increasing your motorcycle insurance, and while I wouldn’t suggest you move, knowing this information may help you understand why your insurance has increased.
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