Over 50s Motorcycle Insurance
Compare 25+ UK motorbike insurers- Riders over 50 could save money
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Over 50s bike insurance from FCA regulated providers
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Over 50s motorbike insurance from 25+ providers, including:
Motorcycle insurance for older riders
Is over 50s motorcycle insurance any cheaper?
Riders over the age of 50 in the UK can typically expect to pay less for motorcycle insurance when compared to younger riders.
This is largely down to insurers viewing older riders as a lower risk. There are four main reasons for this, which in combination allow insurance providers to offer lower premiums.
More experience
Older riders often have a longer riding history and are perceived as more responsible on the road.
Fewer accidents
The over 50's age group is statistically lower risk and involved in fewer accidents.
No claims bonus (NCB)
Older riders have had a longer time and more opportunity to build up a significant motorcycle no claims bonus, which can significantly reduce premiums. The more years of NCB you have, the greater the discount.
Lifestyle
Riders in this age group may use their motorcycles more for leisure and less for daily commuting, which can result in lower annual mileages. Retired individuals also often see lower premiums.
cheaper motorcycle insurance can definitely be one of the benefits of getting older.
This is because an experienced, fifty plus riders is less likely to be involved in an accident than a newly qualified rider, and far less likely to indulge in reckless or risky riding behaviour.
As we age, the more risk averse we tend to become. This increased level of cautiousness is reflected not only in the way we ride, but also in our insurance premiums.
Imagine how you'd feel if a 25 year old you offered up a brisk pillion ride today. How enthusiastic would you be to go out for a quick spin...?
Key factors influencing the cost of over 50s motorbike insurance
Although motorcycle insurance for those over 50 is generally cheaper (all else being equal), the actual price an individual 50+ rider will pay for their motorbike insurance will vary considerably based on a multitude of factors, the majority of which are not age related:
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Motorcycle Type - The make, model, engine size, and value of your motorcycle will significantly impact the premium. High-performance bikes or very expensive machines will generally cost more to insure than smaller, less powerful bikes.
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Location - Where you live and where the motorcycle is kept (garage/street/private off road) plays a crucial role.
Areas with higher rates of motorcycle theft or accidents typically have higher premiums. Urban areas, particularly London, tend to have higher insurance costs.
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Riding History And Claims - A long, claim-free riding history will result in lower premiums. Conversely, recent claims or riding convictions will often increase the cost.
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Annual Mileage: - Bigger mileages equate to more time spent on the road. This increases the risk, which can result in higher premiums.
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Level Of Cover - There are three levels of cover to choose, from Third Party Only to Third Party Fire and Theft, to Fully Comprehensive.
The level of cover you choose will directly affect the price, but not always in an intuitive way (TPO isn't necessarily the cheapest option).
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Security - Approved security devices such as ground anchors, disc locks and chains, trackers etc can lead to discounts. Garaging your bike can also often mean reduced premiums.
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Voluntary Excess - Policies will usually have a compulsory excess (the amount you have to pay towards any claim), plus an additional voluntary excess. The higher the voluntary excess you choose, the lower your premium is likely to be (but be sure it's an amount you can comfortably afford).
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Occupation - Your job will affect your insurance premium because some occupations are considered higher risk than others. As mentioned earlier, being retired can often result in lower motorbike insurance premiums.
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Modifications - Motorbike modifications, especially performance related ones, can increase the cost. You can choose from over 100 common bike modifications on the comparison form.
Relatively fewer claims equal lower policy prices
Because a broker is less likely to have to pay out on a motorcycle insurance claim when underwriting motorcycle insurance for older riders, the over 50’s typically have a much better chance of successfully finding cheaper insurance quotes than younger riders.
There are however seldom any hard and fast rules in the world of motorcycle insurance. You could for example be a 60 year old, unemployed ex-convict with 11 points on your licence, no NCB, riding a highly modified streetfighter with a passion for stunt riding and looking for motorbike insurance in London. Even though the rider in this example is older, the policy will possibly cost more than a 25 year old biking angel with maximum NCB, no points, living in a low risk area and riding a small capacity runaround.
Motorbike insurance calculations do however tend towards the average. And for Mr. Average 50+ Biker, motorcycle insurance gets proportionately cheaper, the older the rider becomes.
Find out how much your motorcycle insurance will cost if you're over 50 by comparing 25+ brokers now.
Who provides over 50s motorcycle insurance?
Thanks to the success of some big (general) insurance companies who specialise in providing insurance only for those over 50, the half century does seem to have become something of a rubicon, with many bikers looking for cheaper insurance when they pass the 50 year milestone.
There are certainly high volumes of bikers searching online for over 50s motorcycle insurance.
A 2016 study by the Department for Transport showed that male motorcyclists aged 50 and over made up 23% of the total number of miles travelled by all motorcyclists (the largest demographic at the time being the 40-49 year old segment with 28% of total miles travelled).
It is therefore interesting to note that there are currently zero motorcycle insurance companies in the UK specialising exclusively in insurance for over 50s motorcyclists.
As more and more motorcyclists tip into the older age bracket and the average age of UK bikers creeps ever higher, will we see the rise of a specialist over 50 motorbike insurance broker in the UK?
What's any different about over 50s motorcycle insurance?
Even if there was a specialist fifty plus provider of motorcycle insurance policies in the UK, it doesn’t necessarily mean the quotes provided would be cheaper, or better value.
Fundamentally, insurance for over 50's motorcyclists is not any different to any other age group.
Policies sold to over 50s bikers are standard motorbike insurance policies.
There is however a commerical or market opportunity for insurance companies to carve out a niche for themselves. Segmentation enables insurance companies to build unique brands which become known for providing or specialising in the provision of insurance for individuals in their target demographic.
Because insurance is a relatively standardised product, motorcycle insurance businesses try to differentiate themselves in order to capture market share in a very competitive industry. Motorcycle Insurance For Older Riders would be one such niche.
If we were to see the launch of an over 50 motorbike insurance broker specialising solely in motorcycle insurance for older riders, it will most likely be owned and administered by one of the much larger generalist motorbike insurance providers, rather than a stand alone or independent business entity.
The insurance offered by such a company would in all likelihood be the same as the products sold to motorcyclists under the age of 50. The difference would be the marketing strategy including age specific messaging, creatives and advertising designed to appeal to those over a certain age - plus additional extras or freebies designed for the over 50s market.
Editor's note to potential new over 50s motorcyle insurance providers: Please, please avoid the wrinkly, white beard, rose-tinted, gurning, cruiser-riding, bandanna wearing "old biker" cliche. This is embarrassing, and bears absolutely no resemblace to reality. There are much better stock images out there!
How could I get cheaper over 50's motorcycle insurance?
Use a comparison service
Motorcycle insurance costs do tend to fall the older you get, all else remaining equal. If you’re a fifty plus biker, this is true no matter which broker you use, or which underwriter ultimately provides the quotes.
It doesn’t matter if the broker positions themselves as an older rider specialist or not, they will still draw on the same pool of underwriters that provide insurance for riders of any other age or demographic.
Because of this (and this is true for any sub group of motorcyclists), it's always a good idea to use a comparison service like the one available via Biker Insure.
Because you can quickly compare multiple brokers by entering your information just once, you increase your chances of finding the cheapest over 50s motorcycle insurance based on your individual circumstances, age, and the bike you ride.
How else could I save money as an older rider?
Aside from comparing quotes to get the best prices from a range of providers, there are still some things you can do to potentially lower the cost of your motorbike insurance.
These ideas apply no matter how old you are, however older riders may have more flexibility with time and finances to be able to achieve some of them:
- Consider taking an advanced riding courses. Accredited riding courses from RoSPA or IAM RoadSmart can sometimes lead to discounts.
- Pay annually. Paying your premium in one lump sum is usually cheaper than paying in monthly instalments.
- Pillions. If you are a permanent solo rider, ensure this is accurately reflected in your policy.
- Keep on top of that no claims bonus. Protect your existing no claims if you are able, and ride safely to maintain and increase the bonus.
- Review the optional extras. Make sure you only pay for what you actually need (you might be doubling up on breakdown cover if you are already an individual member for example).
There are many other ways to save money on your motorbike insurance. For more inspiration and ideas, check out our motorbike insurance money saving tips page.
In the meantime, see if you could find cheaper over 50s motorcycle insurance by comparing quotes today:
Frequently asked questions:
Does age affect motorcycle insurance?
The cost of insuring a motorcycle (as with any motor vehicle), generally drops the older you get. Riders under 25 are typically saddled with the most expensive motorbike insurance premiums.
Older riders are often more experienced, careful riders who are less likely to be involved in an accident. In addition, older riders will have had more time to build up a larger motorcycle No Claims Discount - which can help to bring down annual policy costs.
Although policy prices tend to drop with age, they can start to creep back up once again when riders hit 75 or 80 plus. This is because motorbike insurers can see these groups as more of a risk.
Is over 60 motorcycle insurance available?
If you're a rider over 60, the insurance situation is the same: there aren't any specialist over 60's motorcycle insurance providers. Nevertheless due to your age and all other factors remaining equal, you should generally have an improved chance of finding cheaper motorcycle insurance compared to younger riders.
Most of the 25+ brokers on the panel should be able to provide a quote for over 60's motorcyclists, so get a quote today and see how much you could save on your over 60s motorcycle insurance.
Can an 80 year old get motorcycle insurance?
You can still compare motorcycle insurance if you are over 80 via Biker Insure. Motorcycle insurance for over 80s is no different in the policy types available, but you may want to consider changing the extras that you add on to your motorcycle insurance.
Some providers may also decline to cover riders over a certain age, impose restrictions, or provide less competitive quotes.
Is 70 too old to ride a motorcycle, and are you ever too old?
At Biker Insure, we don't think so. In fact, we hope to be riding as long as our eyesight remains sufficiently sharp, and we can still swing a leg over the saddle.
Whether it's an electric, hybrid, hydrogen, ICE, water, or nuclear fission powered motorbike in the future, we hope to be riding well into old age!
Is there a maximum age for motorbike insurance?
There is no official legal maximum age for insuring a motorbike, but some providers may impose their own limits or restrictions on who they will cover.
As long as you are medically fit to ride, you should be able to find insurance with no upper age limit - although it may become more difficult to find a low cost quote.
What motorcycle insurance discounts are available for those over 50 in the UK?
Whilst specific discounts don't automatically get applied to motorcycle policies just for passing a threshold (for example from 49 to 50), those over 50 do typically pay less than younger riders as they have had the time to build up a longer individual riding history and bigger no claims bonus.
Are older bikes more expensive to insure?
Generally speaking older bikes, just like older riders, are cheaper to insure than newer motorbikes.
As always, there are exceptions. For example if your motorcycle gets old enough to begin appreciating in value once more (i.e. if it becomes a desirable classic), then it could become relatively more expensive to insure again.
Under fifty? Lucky you! Don't worry - you can still compare motorbike insurance via Biker Insure.