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Searching for motorbike insurance

Buying or researching Motorbike Insurance products can be quite daunting. There is all sorts of supposed help and information out there, but to the inexperienced, it can be hard to separate the sales patter from the sound advice.

Hopefully this Motorbike Insurance guide and glossary should give you all the information you need to make an educated, informed purchase decision. All quoted valuations, in terms of policy premiums and reimbursment, are averaged. Please consult with your financial advisor to determine the proper amounts that will eventually be paid when you finally get a policy.

Eligibility to ride a motorbike

To ride a motorcycle on the road you must have a provisional license. This requires you to:

• Be at least 17 years old (16 for a moped)
• Have a driving licence which allows you to ride motorcycles (catagory A)

That licence can be any of the following:

• A provisional driving licence with motorcycle entitlement
• Full car licence. This automatically provides provisional motorcycle entitlement
• Full motorcycle licence
• Full moped licence. This provides automatic provisional motorcycle entitlement if you're aged 17 years or over

Provisional motorcycle entitlement
This entitles learners to ride a motorcycle

• Up to 125cc
• With a maximum power output of 11kW

Learners who wish to ride a side-car outfit can do so with a power to weight ratio of not exceeding 0.16kW/kg.

With provisional motorcycle entitlement you must not

• Ride on motorways
• Carry a pillion passenger
• Ride without L-plates (or D-plates in Wales)

All new provisional licences showing motorcycle entitlement issued from that date are valid until the holder's 70th birthday.

How to get a license
If you don't already have a licence with provisional motorcycle entitlement then collect a D1 form ( driving licence application ) and a D750 form ( photocard application ) from a Post Office or from DVLA ( 0870 240 0009 ). Complete the forms and send them to the Driver and Vehicle Licensing Centre ( DVLC ) at Swansea. If you want to ride a motorcycle make sure you tick the 'with motorcycles' box or you will automatically get a provisional licence for a moped and car.