Motorcycle Insurance for new riders!

I am often asked by new riders "How do I get cheaper motorcycle insurance?". The idea of this video is to teach the basics of motorcycle insurance and what affects the price, not everything just key points. Although this is intended for new riders you may learn a thing or two that could help your price of motorcycle insurance.
CHANNEL SUPPORT
-------------------------------------------------------------------------------
► PATREON : / spicy110
► PAYPAL Donations: goo.gl/A5v0yU
► CLOTHING MERCH & MORE: recklesspromotions.uk/product...
► KEY TAGS: motoloot.com/search?type=prod...
Thank You for supporting this channel, It is your ongoing support that makes this channel possible and means I do not need to take sponsored ADs.
SOCIAL MEDIA
-------------------------------------------------------------------------------------------
Instagram: / spicy110_official
Twitter/X: / spicy110sm
Facebook: / spicy110
Facebook community group: / spicy110
PRODUCTS I USE
--------------------------------------------------------------------------
A list of products I use is available on Amazon.
www.amazon.co.uk/shop/spicy110
Business inquiries ONLY:
If you are interested in having a product featured or sponsoring the channel.
Please contact me here [e-mail]

[@mr7_noob]

£7k for a bike worth 1400 pounds is heart attacking

[@PaulGSXR]

On a side note regarding security - My friend had his bike stolen from outside his girlfriends house one night, he was using all of the locks that he told his insurance about, but they still refused to pay out as there was a clause in the policy stating an additional security device must be used if left away from the home address overnight! Always read your policy information thoroughly!

[@Hazmatti]

had similar happen with one of my old bikes, an attempted theft but it was outside my own home, because I'd not put the bike cover on I said I had on the insurance they refused to help cover the cost of the damage done and would only do so if I paid double the excess I'd agreed to on the contract, at the time that was £600, way more than the cost of the damage done to the bike.. needless to say I didn't go through with the claim, fixed my bike myself and swapped insurance provider come renewal

[@Luna-JB]

But how do they know you did or didnt

[@Hazmatti]

@@Luna-JBbecause me being stupid at the time told them when they asked... as did the police when they gave their report, they said there was no bike cover etc at the scene

[@Luna-JB]

@@Hazmatti Oh so you are retarded lmao

[@mr7_noob]

Bro’s made video on every single topic😵‍💫😵‍💫😵‍💫 Anything I search for, this guy has explained

[@spicy110]

Yep, I have spent years trying to help people get on to bikes. 🙂👌

[@mr7_noob]

@@spicy110 thanks man

[@robinwells8879]

One of the very few advantages of being an old bugger is insurance costs go down up until a point in your eighties when they rocket again.

[@Bugside]

Here in Portugal pretty much NO ONE (except for probably Panigale people) insures their bikes beyond the mandatory third party coverage, for like 60€ a year If anything happens to our bikes, we're on our own I even asked my insurance (one of the big ones here) if they did full coverage like the rest of the world, and the guy was confused, said had to ring the main offices and ask for it to be done as like a bespoke case

[@spicy110]

Wow, I had no idea it was like that their.

[@MotoGoato]

Another thing to look out for is listed security devices .. if you lock your bike up in your garage to a ground anchor with a dirty great big chain and lock, and list them on the insurance application, some insurers will expect you to be taking that huge chain and lock with you and using it every time you park up in public too. I know someone who had their claim refused on this basis, the bike was stolen from a public carpark and he had locked it with his listed disc lock but not the chain as that was only used at home (too heavy to carry about) ... admittedly it was a few years ago and things may have changed since ... but still something to be aware of.

[@spicy110]

I talked about this in the video.

[@MotoGoato]

@@spicy110 ahh so you did 🙂 ... I wonder how many riders have huge chains for use at home and dont realise their insurance expects them to be used everywhere 😟

[@spicy110]

indeed!

[@chrishart8548]

​​@@MotoGoatoprobably need a car to carry my 19mm almax chain around with me. I can barely lift and and the squire ss65 padlock that probably weights 2kg+

[@thesouthernbiker]

I think a video about how to find events, meets and people to go out riding with would be good for new riders.

[@robg3545]

Very useful Spicy, thanks.

[@walkinginthesun]

Iv found all of these are good and work 100% good vid Mr spice 110

[@Mal6-4]

Looking at getting a 2019 yamaha mt 125 insured, not much millage on it for the age and I'd be a first time rider, I got a quote of 1800 with full coverage (fire, helmet leathers, legal and breakdown) feel like I've got a good deal, this video has actually helped me out, thank you

[@darrynberry8124]

32 , car licence for 8 years no points . Advanced driver and a heavy goods driver and my quote on a ninja 125 was £1300 a year . And I live in middle of nowhere . I was like that can’t be serious surely lol

[@spicy110]

If it is your first policy on a bike you are a new rider and they will charge you as so, though that does still sound a little high unless it's a brand new bike as well.

[@marktaylor4277]

Also... read the small print. I wanted my next years quote and was asked what my current mileage was, as it was over what I had been asked to 'estimate' originally I was told my insurance was void and had to take out new insurance from that day. Doesn't matter what security my garage had, they were only interested in whether the locks I was using on the bike were on their list of acceptable security devices. Watch out for things like... I can take my bike out of the garage and park it by my back gate while I nip indoors to get my gloves, in this instance it's not covered... and this is with a reputable company that many recommend!

[@givman2004]

You do know other people can use your bike so the mileage on your bike is not all down to you. You can insure your bike with 1k miles but it your friend does 10k on the bike that's nothing to do with you or your insurance.

[@dombower]

@@givman2004really?

[@givman2004]

@@dombower Most of the time this is correct. Careful with some black box policies though as they can differ and only allow the insured to use the car as they dont know who is driving. Any speeding or bad driving can get flagged to the black box user. Some policies even have an app you have to log other drivers in so if they speed its not down to the black box users. My van I use it for maybe 1k a year however other people put about 5k a year on it. I insure the van but when others use it they are covered by there own insurance. I am not responsible for those miles

[@bms2250]

Hey Spicy, another great video. Just a few points, from someone who works in insurance, gender is not a rateable factor. This is not something that can affect your premium anymore. This was abolished a few years back. Also be careful explaining "comprehensive" cover as "fully comp" or saying that everything is covered. Not everything is covered! This causes major problems in the industry as people expect everything to be covered but comprehensive simply means that your bike is covered for accidental damage - this is different to "everything" is covered. Finally, so glad you clarified it is "excess" and not "access". You wouldn't believe how many people don't know this!

[@spicy110]

I meant it as in you get all the cover from the lower coverage levels i.e. TP, F, T, and accidental damage. However, I can 100% see how people could interpret that as "ANYTHING" is covered. I will remember this in the future.

[@flowcc]

I've always wondered how in some cases TP ends up being more expensive than a comprehensive level of cover? appreciate you may not know since the system for quoting is all mysterious but its always confused me

[@nowillnoway]

@@flowcc that'll all come down to the stats the insurance companies have. Because historically it's been cheaper for inexperienced drivers/riders to be on third party only insurance, that also means the stats skew heavily towards people taking out TP insurance being more likely to be in an accident. This will compound heavily with other factors - somebody with a shiny brand new Porsche, working as a consultant/lawyer/vet/whatever, and taking out a third party insurance *probably* cares about the state of their car, but can afford to cover damage themselves (or are confident they'll be able to claim it on the other party). Somebody with a decade plus old, beat up Corsa, working in retail? Maybe not so much - so the risk of them carelessly scuffing someone's door in a carpark or whatever, and ending up with a claim is higher. Also remember that in those cases of cheap older cars, it's the third party claim that's expensive. Often the excess will be getting on for the value of the insured persons car (it's not unusual to see £1k excess on a new drivers insurance), so the insurer could just write it off and not be out any money. But if they've hit someone's beloved merc? New headlight could be nearly a grand alone. TL;DR: Third party indicates a higher tolerance for risk/lack of care about *your* car/bike, which translates to actual risk/cost to insurers.

[@lawterian]

As a new rider, on a brand new 125, I’m being quoted 3000 a year

[@spicy110]

Yer that is a very high risk policy for them.

[@LeaBrattle-parker-pp5sf]

Also being married helps bring the cost down. Working on licensed premises like a pub or a restaurant will cost you more

[@BlokeOnAMotorbike]

I'm widowed and in a civil partnership, have fun with that. :)

[@jon-paulgrainger1303]

Until the other half realises you've saved some cash 😜.

[@LeaBrattle-parker-pp5sf]

@@jon-paulgrainger1303 that's so true 🤣🤣🤣🤣

[@BlokeOnAMotorbike]

my first year insurance on a 23 plate sinnis hoodlum, 48yo first year rider, first bike, cbt/provisional: £390 with Aviva, fully comp (and zero excess) on a 3 grand bike. I haven't made any claims, by the time April comes around, providing I still haven't made a claim... frankly I would be surprised if my insurance was any lower.

[@Hazmatti]

similar boat here - I've been riding a few years renewing my cbt whilst saving for a new bike + full test costs, my insurance last year with bikesure was £290 fully comp with breakdown cover and all the extras, £200 excess but under the excess protect thing they do I don't have to pay that upfront atleast according to the small print, I opt for the monthly payments as it's a little easier for me personally. this year it only dropped a measly £10! but even whilst shopping around that was still the cheapest I could get, same bike as previous years an older model sinnis cafe, same location/security etc too.

[@stevenyates6732]

I know of a hidden insurance factor , I found out after asking for test ride in few dealers, all insurance like you to have licence over 1 year. So I tried on quote first one at 10 months and second one 1 year there was £300 difference on 650 bike

[@coiorr8370]

thanks

[@davecarrera]

do motorcycle insurers separate commercial from social to calculate the premium based on risk? I ask as if not, then use non commercial riders are paying a heavy price for pizzas to be delivered……

[@CallumsHDGaming]

Yes it should be seperate cover for buisness, delivery driver or courier

[@davecarrera]

@@CallumsHDGaming but do insurers separate the risk ? Re are we all lumped into one pot and then the premiums shared out whether we are commercial or not.

[@CallumsHDGaming]

Ohhh ok I get your question now, I do not know this answer but it’s a good point

[@LucasadeR33]

Insurance companies are wierd my partner has been driving for 3 years and wierdly it’s cheaper to insure her car kept on the driveway than in a locked garage, because apparently don’t quote me if I’m wrong but apparently some insurance companies cover the garage as well as the vehicle, so some insurance companies prefer if you park on the road, but on the agenda about motorbikes I wish there was an option to say it’s kept in your house 😂😂😂

[@nowillnoway]

The other thing is the number of people who scuff their cars squeezing into a narrow garage, or knock something over in said garage damaging the car, and then claim on the insurance. That happens enough in a low vehicle theft area, and suddenly the risk of having to pay out a claim is lower for cars on driveways.

[@chrishart8548]

Mine is no difference garage drive or road it's all the same price

[@fireflygodx9654]

Business type is the difference for me 2 years of paying £2000 when in reality could've been paying £950 if I put retailing instead of entertainment cause I work in an bowling alley :D :D

[@pascalkargut3237]

I have a learners license for my motorcycle the rules say I can’t have a passenger but I will be having someone on the back if I were to crash am I covered or does this void the insurance

[@spicy110]

If you do not have a licence for a pillion, i.e you are on a CBT, then do not take people on the back you plank! If you are not following the law that automatically will void a claim, should that claim involve a 3rd party you will do great damage the that person including the person on the back. Be smarter!

[@joshTEAM44]

Spicy make sense that my 05' DRZ SM is more expensive than my 14' 675 Street Triple? How's yours?

[@spicy110]

I have a multi-bike policy so it's hard to know the exact price but I have not noticed it being any more experience on it's own. Alot of this could be to so with area and storage tho.

[@joshTEAM44]

@@spicy110 Likewise multi-bike here too, I asked out of curiousity and was taken back lol. Both garaged (where they belong!). Many thanks for your DRZ series videos proved a big help especially forks and those moving forwards, you should do some more ;)

[@AVNGDOLDIR]

I did a quote on compare the market and it came back £950 for a 2021 kawazaki z125. Im 32 ive been driving cars for the last 12 years with a clean licence, no accidends or points. I paid about 700 for a hyosung gtr125 when i was 20 on a cbt. Its put me right off getting back on the saddle now

[@spicy110]

If you are saying you are looking to do the CBT again now and getting that bike, Honestly that is not a bad quote for a first year rider on a 2021 bike. Also the comparison sites are rubbish at giving accurate quotes. Previous CBT's being so long ago do not come in to it nor does having a car as it is not a bike. Also you did not say what level of cover was that?

[@AVNGDOLDIR]

@spicy110 it was for fully comp. I just didn't think it would've been that expensive for someone who is 30+ I was hoping for something like £300 but maybe that's just me being unrealistic, then again the bike is only worth £3000 so £950 insurance is a bit of a rip off I think 🤔 I only put it down for 2000 miles as I wanted to get one for the summer months to work and back + the occasional weekend ride out

[@spicy110]

Fully comp that is not bad at all for a first year. The reasons it's more is people very often crash in their first year riding regardless of age. So it stings to start with but once you gett a couple of years in it starts to fall. I pay less than £450 for 2 large cc bikes with business cover, fully comp the lot.

[@Jash_F]

i dont trust compare the market... its total ass sometimes. Try out MCN compare they've given me more options and better information input such as do i own a car license for how long. did you have a claim? if yes was it for the motorcycle? its more thorough. with compare the market they are so bare basic and the damned insurance company called me up and had to change information and make me pay for that shit...

[@lusid6662008]

Passing my test put my insurance price up slightly. I went from paying £73 fully comprehensive for a 1990 TZR 125 (Valued at £4500) to £76, I asked why and they said "Before I passed my insurance covered me to ride any other bike (with the owners consent) but that would only be other 125cc bikes and now I have a full licence I could jump on a Fireblade so slightly higher risk. The other strange thing is, I bought myself a Kawasaki Z750 as my first bike and fully comp its only costing me £86 to insure. Must be because I'm 52 years old lol.

[@spicy110]

Wait is that £86 a month or a year?

[@lusid6662008]

@@spicy110 a year

[@spicy110]

@@lusid6662008 DAMN! And I thought mine was cheap under £500 a year. Having said that it is 2 bikes on business cover.

[@chrishart8548]

​​​@@spicy110I'm paying £44 a year to insure my bmw f800gs. Fully comp. 1 child under 16 44years old safe area full no claims no points. It was actually going to be £148 for a wr125x so I stuck with the f800

[@joshisclasss]

Would I be allowed to have a tzr 125 at 17 on a cbt because they make 26 horsepower , was curious if older 2 stroke 125s weren’t legal at my age

[@slovakianspitfire8816]

wah

[@imicchoni]

Does Voom require 18+ for their insurance

[@Bigalref1]

i have a Chinese bike, a Zontes ZT350. when i was looking for insurance i had trouble finding a company who would cover me

[@spicy110]

As mentioned, Rampdale assuming they are still going.

[@BlokeOnAMotorbike]

Hastings Direct, Bikesure, MCN, MAG, Swinton... my current policy is through Aviva.

[@Bigalref1]

@@BlokeOnAMotorbike what bike do you have

[@sm1th791]

do i put the value of what i bought it for cause i got a mt 125 24 plate bought last week surley its 5grand?

[@spicy110]

You want to insure it for what it would cost to replace, but know you do not get that if you write the bike off, you get current market value.

[@benmidgeley266]

Do you know of any motorcycle insurers that take no claims gained from driving a car into account?

[@spicy110]

None will, they can't as it is a different class of vehicle, the same reason you have different licences. I will add, that if you are using comparison sites don't, just call someone and you will get more realistic quotes.

[@KevinSmith-qi5yn]

I just got quoted nearly 8k a year for a sport bike.

[@spicy110]

What bike and what age

[@abzda1700]

I’m trying to get a lexmoto titan 125cc moped and I’m being quoted 1.7k ridiculous

[@spicy110]

I would shop around a bit that sounds a little high. Also call companies the comparison sites are not reliable.

[@nurcecala9678]

Is there a ilegal problem if you drive without insurenc

[@spicy110]

Yes, they would take your bike and give you a load of fines.

[@itsbarker2]

Passed my DAS insured my street triple next day for £360 fully comp I’m 25 Y/O lol cheap

[@512460]

How? For the year?

[@itsbarker2]

@@512460 entered details on a comparison website and was the best quote. Unsure why so cheap tho

[@Andrewlone174]

UK insurance companies are robbers in law, 5k insurance price can't be explained with all this schedule, they are simply robbers. Most expensive insurance prices in the world are in United kingdom.ROBBERS

[@spicy110]

5K? I pay less than £400 a year for 2 bikes fully comp and business cover.

[@indiamelia639]

Re shopping around don't play around with your job, if it's in the garage, drive etc as you'll get flagged as potential fraud. I wanted to see how much it changed by if I left it on my drive and if I changed jobs. Had to send off my licence and explain to them why I did this. No biggy but they made it clear they would cancel the policy if they went satisfied.

[@spicy110]

What I mean is not all jobs fit into one of their categories perfectly. That is why I said to ask them about it when you get your quote, not lying what it is!

[@bobodyuknow]

36yo first bike but been driving car since 17 first year fully comp on 2022 MT07 no previous crashes, Low crime area locked with chain was £800 everywhere else quoting stupid numbers over £1k have i been shafted? i really hope this drops to realistic numbers

[@THELW_]

Ive been told 2k 😂😂

[@spicy110]

for what bike on what licence?

[@THELW_]

@@spicy110 cbt for a sinnis apache sm/xe

[@THELW_]

Provisional cbt

[@iceman1st1]

just say your retired and that drops it a lot. more flats are going up so soon you wont have anywhere to park your bike, but that's what the government want, people not to have their own vehicle. i have an idea, how about we put money into an account every month, then we can make interest of it instead of them. has anyone ever thought that we already have insurance. how's say £1500 a year going to pay for a car that cost say £50k-£70k plus injuries. the insurance company are just the middle people that access your account you have set up from birth.

[@Rahck92]

Will the price change depending on if it’s automatic or manual ?

[@steve00alt70]

You could lie about your job..... its not like your insurer will phone up your job they arn't your employer 😂

[@Eammim]

I've always wondered about this, along with the commuting option. My last claim, I wasn't asked where I was going or where I work when I was hit.

[@edwardpurkis1084]

If you end up in a big accident that goes to a court and they do an investigation, you could end up liable for everything with no insurance to help you whatsoever…. And potentially an insurance fraud charge.

[@givman2004]

Totally depends how serious it is. If the police investigate big time they can use anything against you. Simple prang in the car park no one will ever check

[@steve00alt70]

​@@edwardpurkis1084 thats unlikely to happen

[@512460]

But the big question is which job is the cheapest?