Read our guide on the cheapest motorbike to insure. all which will help an insurer to calculate your level of accident / theft risk – and charge a reflective premium. There are still many more factors at play here such as where you live, your level of security, your riding experience etc. If you’re looking for a cheap bike to insure then your best bet is a low value bike with a low to medium power engine, but the problem is that most people don’t want this type of bike! This is due to the bike being able reach high speeds and quickly, therefore the potential for it to be involved in accidents are higher. If your bike has a powerful engine, and sports styling then once again, you’re going to experience higher insurance. The age of the bike will obviously have influence on the value too. This is due to the fact that it’s 1) more expensive to replace and 2) more attractive to thieves. If your bike is worth a lot of money, it costs more to insure that a bike worth very little. There is no hard and fast rule for this, but think of it like this…
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