Suzuki motorbike insurance

Suzuki offer a wide range of motorbikes. From sport, street and adventure bikes, to a selection of scooters and mopeds, they cater for varying budgets and needs. They've earned kudos both on and off the racetrack for their motorbikes over the years. This has inspired them to constantly innovate and refine their offerings.

The price you pay to insure your Suzuki motorbike depends on you, your motorbike and your driving history. Comparing prices is the best way to make sure you're getting the right cover for you.

Read on for more information about insuring your Suzuki motorbike, or if you're ready to start comparing quotes, select the 'Get a quote' button.

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How much does a Suzuki motorbike cost to insure?

The average price of Suzuki motorbike insurance is £323*.

Motorcycle insurance tends to get cheaper as you get older. From an insurer’s point of view, older riders tend to be more experienced and are less likely to have an accident. But age is just one of multiple factors that affect the price of your insurance.

*Confused.com customers paid £322.68 on average for Suzuki motorbike insurance between Oct - Dec 2023.

What affects the price of motorbike insurance?

The type of motorbike you ride. Insurers place motorbikes into insurance groups. These often range from 1-17, but can go up to 22 depending on the insurer. Different types of motorbike have different engine sizes and values, which impact the insurance group they're in. Mopeds and scooters with smaller engines are normally in lower groups. This means they're usually cheaper to insure than sports bikes or off-road bikes that have bigger engines and higher top speeds.

Your age is one of the main factors insurers consider. If you're a younger driver, you're unlikely to have a lot of experience on the roads. This means you're statistically more likely to be involved in an accident and make a claim. So, you're likely to pay more than older, more experienced riders.

Your annual mileage. The more miles you drive, the more chance you have of being involved in an accident. This increases the risk of needing replacements or repairs for your motorbike, or claiming for an injury. So, having a high annual mileage typically leads to higher insurance costs.

Any modifications you've made can make repairs and replacements more time-consuming and expensive. This is because it's harder to source certain parts. So, modifying your Suzuki motorbike in any way could mean you pay more for insurance.

Previous claims and convictions can impact how much you pay for insurance. This is because they make you more of a risk to insurers.

Where you live. Living in an area with higher rates of vehicle crime usually means you pay more to insure your Suzuki motorbike.

How can I save on my Suzuki motorcycle insurance?

Here are a few things that could help you save on your insurance:

  • Shop around and compare quotes. It only takes a few minutes and is the best way to make sure you're getting the best price available for you.
  • Increase your voluntary excess if you can afford to. This is how much you pay towards any claims you make. Generally, the higher your excess amount, the lower your insurance costs are.
  • Choose optional extras carefully. Each add-on increases the overall cost of your insurance. So, if there are any you don't think you'll need, leave them off. For example, if you don't plan on carrying any passengers on your Suzuki motorbike, you probably don't need pillion cover.
  • Pay annually instead of monthly if you can. When you pay monthly, insurers add interest to the price. So, it almost always works out cheaper to pay annually.
  • Build your no-claims bonus (NCB). Insurers offer a discount if you've got an NCB. The bigger your NCB, the bigger your discount could be.

What levels of insurance are available for my Suzuki motorbike?

There are 3 levels of insurance to choose from:

  • Third-party insurance is the minimum level required to ride a motorbike in the UK. It costs £5722 on average. It covers injury to other people and damage to their property following an accident that was deemed your fault. It doesn't cover repairs or replacements if your Suzuki motorbike is damaged or stolen.
  • Third-party, fire and theft includes everything covered by third-party insurance, plus cover for your motorbike if it's stolen or damaged by fire. This level costs £4512 on average.
  • Comprehensive insurance is the highest level of insurance you can get. It covers repairs and replacements for your motorbike following an accident, as well as cover for other people and their property. Comprehensive insurance is normally the cheapest level, despite offering the most cover. It has an average cost of £3202.

2Based on Confused.com data June 2023

What are the classes of use for motorbike insurance?

There are 4 classes of use:

  • Social, domestic and pleasure (SDP or SD&P). You should choose this class if you only use your Suzuki motorbike for personal trips. This can include days out or taking a motorbike test. Motorbike insurance for SD&P use costs £2853 on average.
  • Social and commuting (SDPC) covers social use as well as commuting to a single, permanent place of work. It also covers you if you ride your motorbike to a bus or train station to use public transport as part of your commute. A social and commuting policy costs an average of £3783.
  • Class 1 business use covers riders who use their motorbike to travel to different places as part of their job. This includes going to meet clients or suppliers and riding to different parts of the country for work. Class 1 business use for a single rider costs £5443. Business use for you and a named rider is slightly more expensive, with an average cost of £8193.
  • Courier, delivery or dispatch insurance. This covers you if you're a delivery driver. If this applies to you, you need a specialist policy. This tends to be the most expensive class of use because you could be carrying expensive cargo. On average, motorbike insurance for delivery use costs £2,2353.

3Based on Confused.com data June 2023

What optional add-ons can I get with my Suzuki motorbike insurance?

  • Pillion cover insures you to carry passengers on the back of your motorbike.
  • Sidecar cover protects your sidecar for damage following an accident.
  • Helmet and leathers cover helps cover the cost of replacing a helmet or your motorbike clothing if they're damaged in an accident.
  • Motorbike breakdown cover provides roadside assistance if your Suzuki motorbike breaks down during a journey. This is usually available at different levels.
  • Personal accident cover pays out if you're seriously injured or die as a result of an accident.
  • Legal expenses cover can help cover the cost of any legal fees following an accident. This usually includes solicitor fees and medical costs.
  • European cover allows you to ride your Suzuki motorbike around Europe. Some insurers offer this at different levels.

Suzuki motorcycles history and facts

Suzuki was founded by Michio Suzuki in 1909 in Hamamatsu, Japan, originally manufacturing looms for Japan's silk industry. They began manufacturing cars in the 1930s, but didn't enter the motorbike market until after the Second World War. Launched in 1952 as a response to the post-war demand for cheap transportation, the Power Free was a bicycle fitted with a 36cc engine.

1953 saw the introduction of the Diamond Free motorised bicycle with a 60cc engine. By 1954, the company had changed its name from Suzuki Loom Works to Suzuki Motor Co. They also launched their first 'real' motorbike in the same year - the Colleda CO with a 90cc engine. This was soon followed by the Colleda COX with a 125cc engine in 1955.

It wasn't until the 1960s that Suzuki began attracting attention on the world stage. They won their first Grand Prix in 1962, beginning a long history of racing wins. In 1970, they became the first Japanese manufacturer to win the motocross world championship.

Over the years, both Suzuki's motorbike and car manufacturing activities continued to flourish. By 1999, cumulative motorbike production had reached 40 million units. Today, Suzuki motor is one of Japan's largest listed companies.

Suzuki has said that they don't plan on going fully electric with their motorbike range. But they've announced plans to have 8 electric motorbikes on the market by 2030. The first - an all-electric version of the Burgman Street 125 - is expected in 2024. It has the equivalent of a 150cc engine.

Despite having no current plans to go all-electric with their motorbikes, Suzuki still plans on going carbon-neutral in Europe by 2050. They currently plan on developing motorbikes with engines that run on biofuels.

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