Five ways young bikers can lower their insurance risk profile

Securing sufficient bike insurance cover is important to ensure that bikers are protected against the financial implications of a riding accident. However, insurance premiums tend to be higher for bikers aged 25 or younger due to their high risk profile.

The following tips can help young bikers can lower their insurance risk profile and potentially secure more affordable cover:

Choose a less powerful bike – The more powerful a bike, the faster it can go. However, from an insurer’s perspective, more speed equals a higher risk of accidents, and therefore increased premiums. Choosing a less powerful bike as their preferred mode of transport can help young riders keep premiums as low as possible.

Don’t break the law – Keeping within the speed limits when on the road and obeying the traffic laws will also help lower young bikers’ risk profiles. The longer they can maintain a clean riding record, the greater the likelihood that their policy premiums could decrease.

Ride carefully – Along with obeying the rules of the road, young bikers should also ride carefully. Maintain a sufficient following distance to allow adequate time for emergency braking and avoidance manoeuvres and ensure that correct cornering techniques are applied to minimise the chance of an accident.

Get an advanced qualification – Taking advanced riding lessons is a good way to improve one’s riding technique. Many insurers also offer an insurance discount for riders who successfully complete an accredited advanced riding course such as those offered by the Institute of Advanced Motorists.

Ensure bike safety – A high risk of theft or vandalism can significantly increase insurance premiums. It is therefore advisable that all young riders store their bikes safely when not in use. Fitting immobilisers and tracking devices can also help reduce soaring premiums.

An Express bike insurance: http://www.expressinsurance.co.uk/bike-insurance, policy offers riders of all ages peace of mind on and off the roads by ensuring that they are covered in the event of a riding incident. Get a free online quote from Express Insurance: http://www.expressinsurance.co.uk/bike-insurance, today.

This article was written on behalf of Express Insurance by a third party content provider. Please note that Express Insurance does not control and cannot guarantee the relevance, timeliness, or accuracy of the above content.