Motorbikes come in various styles, each designed for specific types of riding and lifestyles.
The style of a motorbike can significantly influence its insurance cost due to differences in performance characteristics, risk of theft, and typical use cases.

Here’s a breakdown of some common motorbike styles and some thoughts on how they might impact insurance premiums for UK riders.

1. Mopeds

• Characteristics: Mopeds traditionally have an engine capacity no greater than 50cc. Their top speed is usually capped at about 28 mph, making them suitable for very light travel and urban commuting. Less stringent licensing requirements make mopeds a popular choice among younger riders.
• Insurance Impact: Mopeds are among the cheapest motor vehicles to insure due to their low engine size and top speed, which significantly reduces the risk of high-speed accidents. Despite lower costs, mopeds often have higher rates of theft, especially in urban areas, which can influence insurance rates. As mopeds are typically used for short, urban trips, the risk of accidents is different from motorcycles but includes frequent stops and interactions with pedestrians and cyclists.

Examples:

• Tomos Classic XL: A classic moped design with a simple, robust engine, popular for short city commutes and known for its durability.
• Piaggio Typhoon 50: This moped is designed for handling both the urban landscape and tougher terrains, with a focus on energy efficiency.
• Yamaha Vino Classic: Combines retro styling with modern technology, making it a stylish yet practical choice for short daily commutes.

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2. Scooters

• Characteristics: Typically ranges from 50cc to 250cc, making them suitable for city commuting and light travel. Scooters are known for their step-through chassis and the placement of the engine below the seat, which contributes to their distinct look and ease of use. They often come with built-in storage, like an under-seat compartment, making them practical for shopping trips or storing personal items.
• Insurance Impact: Scooters are generally cheaper to insure compared to larger motorcycles due to their smaller engines and lower speeds, which translate to a lower risk of serious accidents. Some popular models are at higher risk of theft, which can affect insurance premiums. However, their lower cost can offset this to some extent. Primarily used in urban areas, scooters can have slightly higher claims for minor damages but less severe claims overall.

Examples:

• Honda PCX 150: Known for its fuel efficiency and comfortable ride, it’s ideal for both beginners and experienced riders looking for a reliable urban vehicle.
• Yamaha Zuma 125: This is a rugged scooter designed for both on-road and light off-road use, offering great versatility.
• Vespa GTS 300: A classic design with modern engineering, the Vespa GTS 300 blends style with performance, making it a popular choice for scooter enthusiasts.

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Whilst there are some general guidelines, the best way to get an accurate idea of Scooter Insurance premiums is to compare real-life quotes.

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5. Touring Bikes

• Characteristics: Designed for long-distance travel, these bikes are larger, have comfortable seating, and come equipped with luggage storage and advanced ride technologies.
• Insurance Impact: Insurance can be higher due to their high value and the costly tech features. However, their typical use by more experienced riders can mitigate some cost factors.

Examples:

• Honda Goldwing: Equipped with luxurious features for long-distance travel, including reverse gear and extensive cargo capacity.
• BMW R1250RT: Known for its comfort and advanced electronic features, making it ideal for long rides.
• Harley-Davidson Electra Glide: Classic American tourer with ample storage and a powerful engine for extended travel.

What to budget to insure your bike.

With so many different categories of Motorbike, the most reliable way to budget might be to get personalised Motorbike Insurance quotes that reflect you and your bike precisely.

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6. Adventure and Dual-Sport Bikes

• Characteristics: Built for versatility, these bikes can handle both on-road and off-road conditions. They are rugged and generally have good suspension and durable tires.
• Insurance Impact: The insurance cost can vary. Their ability to go off-road may introduce risks of damage, but their robust build reduces the severity of potential damage.

7. Cruisers

• Characteristics: Featuring larger engine displacements and a more relaxed riding position, cruisers are popular for their style and comfort.
• Insurance Impact: Can be expensive to insure due to their high value and engine size, and because they are often customized, which can increase replacement costs.

8. Classic and Vintage Bikes

• Characteristics: Older bikes, often more than 20-30 years old, that are maintained for hobby or collection purposes.
• Insurance Impact: Might have lower premiums if they are not ridden frequently, but the cost can increase if specialized parts and maintenance are considered.

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