Compare quotes from over 20 UK bike insurance providers
Motorcycle Insurance for Riders with Convictions
- All motoring convictions covered
- All levels of cover including third party, third party fire & theft and fully comprehensive
- Affordable bike insurance policies for convicted riders with flexible payment options
- Quotes from over 20 providers including Bikesure, Motorcylcle Direct & Carole Nash
When asked how long have you held your driving licence by insurers you should enter the date you passed your test to gain the licence you hold rather than the date you got your driving licence back after your disqualification.
View your driving licence online to obtain dates & details of disqualifications, endorsements & penalty points.
Motorbike insurance with convictions
Bikers who have motoring convictions, criminal convictions, driving licence endorsements, penalty points or previous driving disqualifications will benefit from comparing quotes from convicted rider insurance providers.
It doesn’t matter if you use your bike for social, domestic, commuting or just for pure pleasure, you want to find the right insurance cover at an affordable price regardless of your record.
Like all vehicle insurance coverage the price you pay for insurance will increase with driving convictions on your licence as insurers will class you as a higher risk.
The type of conviction will affect bike insurance prices
The type of conviction on your record will influence how much you pay for insurance.
Convictions such as drink driving that involve going to court & receiving a driving ban can have a much more significant impact on insurance prices than a single speeding ticket resulting in a fixed penalty and 3 points on your licence.
How much will bike insurance cost
There are several factors that can influence the cost of motorbike insurance. These can include:
- The category of licence you hold (AM, A1, A2 or A)
- Your previous riding experience & no claims discount
- Your driving record & details of any convictions
- Motorbike security factory fitted or aftermarket
- Where you keep your bike (driveway, locked garage or public road)
- The make, model & type of bike to be insured
Your personal details including where you live and what your job is can also affect the price you pay. The easiest way to see how much a motorbike insurance policy will cost you is to get a quote tailored to your specific needs & circumstances.
What types of motorbike insurance cover are available?
There are essentially three types of insurance cover available, these are:
Third party coverage only
Third party coverage can cover the costs of damage or injuries to any third party as a result of an accident where you are at fault and liable to covers these costs.
Third party fire and theft
Third party fire and theft coverage includes the benefits of third party coverage with addittional coverage that can cover the cost of your bike in the event it is stolen or is damaged by fire.
Fully comprehensive coverage
Fully comprehsive insurance cover for your bike will provide all the benefits of third party fire & theft coverage and in addition will also cover any damage to your own motorbike if you have an accident when your at at fault and liable to cover any costs.
Optional extras that could be included
In addition to the three types of coverage available, many insurance companies can also include optional extras. Some of these optional extras could come as standard with different insurance policies from different insurers. If they dont come as standard then optional extras can be added to insurance policies for an additional price. Optional extras can include:
- Insurance coverage while driving in other countries or european countries
- Personal accident cover
- Helmet & Leather cover
- Legal expenses cover
- NCD No Claims Discount Protection
- Pillion cover
- Key coverage
- Breakdown cover
It is important to know exactly what your insurance policy includes and add any optional extras that are not included in the price quoted. This can either be done online or by talking to your insurance provider over the telephone.
Always read your insurance policy documents to ensure your policy is providing the coverage you need and to be aware of any exlusions to the policy.
Remember that you have a 14 day cooling off period when purchasing insurance, this means that you can cancel the policy and receive a full refund if you change your mind.
Are there any ways to save money on motorbike insurance?
There are several ways that you could reduce the cost of your motorbike insurance. These include:
Increase your excess
Increasing the excess will usually reduce the overall cost of your bike insurance. This means that if any claims are made on the policy you have offered to pay more towards the claim.
Choose your bike wisely
Consider the bike your choose carefully. A sport bike capable of speeds of 180mph plus is likely to cost more to insurance than a cruiser or standard motorbike that isnt designed for high performance and speed. This is especially true if you are a relatively inexperienced rider.
Improve your bikes security
The more secure your bike is, the less likely it is to be stolen. Ensure your bike is fitted with relevant security sytems such as alarms, GPS trackers & immobilisers. Also make sure you park your bike in a secure location as this can help reduce the cost of bike insurance.
Pay for your motorbike insurance annually
Many insurance providers will offer reduced prices when you pay for your insurance in one lump sum rather than in montly installments spread out over a year. It is usually cheaper to pay for your bike insurance annually rather than monthly.
Consider taking an advanced rider qualification
Riders with advanced motorcycle qualifications could see a decrease in bike insurance premiums. Advanced qualifications can include:
- Bike Safe Certificate
- Advanced Police Motorcycle Test
- MAC Rider Training
- DVSA Certificate of Competence (Enhanced Rider Training)
- IAM Motorcycle Test Certificate
- BMF Blue Riband
- Mototag Advanced Rider
Compare bike insurance quotes
Shopping around and comparing quotes from different providers can help save you money. Different insurance companies will use different methods to calculate the cost of their insurance policies. Comparing quotes from different providers can ensure you find the best deal.
Enter all your details including the bike you are looking to insure only once and receive quotes from over 20 UK bike insurance providers, simply click get quotes and start comparing. This can save you both time & money.