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Over 50s motorcycle insurance

If you’re over 50 and looking for motorbike insurance, we can help you compare policies from up to 39 providers. This includes some insurers who specialise in covering riders over 50.

For many years, riding a motorbike was considered more popular with younger age groups. But a study from the Department for Transport found that 21% of all motorbike trips, and 23% of all motorbike miles were made by men over 50.

Select ‘Get a quote’ if you’re ready to see prices. Or read on for savings tips and more information about motorbike insurance.

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Is over 50s motorcycle insurance cheaper?

Yes, insurance tends to be cheaper for over 50s and older riders. But it’s not just age that’s taken into consideration when buying insurance. Other factors include:

  • Type of motorbike
  • Where you live
  • Where you store the motorbike
  • Your claims history
  • How much experience you have

But it’s true that young bikers tend to get hit with higher insurance costs because of their inexperience and the risks of riding a motorbike. And this is backed up by a government report showing 29% of all deaths and serious injuries are from under 25-year-olds.

From an insurer’s point of view, older riders tend to be more careful riders. The stats show they're less likely to have an accident, meaning less risk and therefore cheaper policies.

Years of driving should have given older riders more experience with road hazards. Older riders also tend to be more cautious or have learned from their past mistakes.

But the fact is that motorbiking is far riskier than driving a car, and it's not just a perceived risk. Government figures show that motorcyclists make up only 1% of total road traffic, but account for around 19% of all Great Britain's road user deaths.

The good news is that riding, although riskier than driving, is becoming safer, and death and serious injuries have been overall reducing each year. For example, in 2004 there were 585 riders killed compared to 336 in 2020 according to statistics from a GOV.UK report.

And looking across decades of data a government report shows riders killed or seriously injured have decreased 76% since 1979. This is compared to 2013, down from 21,277 to 5,197.

Specialist over-50s motorbike insurance

Some insurers might offer specialist policies to older riders. There’s also a range of specialist motorbike insurance companies and brokers that focus on older motorbike riders.

We work with several of these insurers who include, but aren't limited to:

  • Bennetts
  • Carole Nash
  • MotorCycle Direct
  • Bikesure

Depending on your circumstances you may not see all or some of these companies when you get a quote.

The key is to find the right policy at the right price, which doesn't mean always buying the cheapest.

Make sure it offers the cover you need, and that add-ons such as motorbike breakdown cover and helmet & leathers cover are available if you need them.

Cutting the cost of cover doesn't just mean shopping for a bargain.

It’s also knowing what you need and finding the best value deal to suit your requirements.

How can bikers save on insurance?

There are some ways you could bring your insurance price down. How effective these are depend on your circumstances and the information you give when you get a quote. Here are some ways you could save:

  • Improve security and storage
  • Give an accurate mileage
  • Consider advanced riding qualifications
  • Choosing a higher excess
  • Consider multi bike policy
  • Improve security and storage - Theft is one of the biggest problems for motorbike owners. According to the Metropolitan Police, 9,000 motorcycles, mopeds and scooters were stolen in the last year in London alone. The Motorcycle Action Group (MAG) report that motorbikes are 11 times more likely to be stolen than cars, making up 25% of all vehicle theft in 2021.

    If you can keep your motorbike locked away in a garage, that could cut the cost of insurance. If you don't have a garage, it might even be worth renting one. It should keep your motorcycle safer and reduce your insurance costs. Other motorbike security could also help. Fit an insurance-approved lock and alarm, immobiliser or other security device and tell your insurance provider about it.
  • Give an accurate mileage - As an older rider you’re more likely to only use your motorbike for leisure rather than commuting. Accurately predicting your annual mileage could make a difference to your policy costs.
  • Consider advanced riding qualifications - Complete an approved advanced riding course. It might cut costs but also improve your riding skills. Courses from organisations such as the Institute of Advanced Motorists and the British Motorcycle Federation are widely recognised.
  • Choosing a higher excess - Excess is the amount you agree to pay before your insurance covers the rest on a successful claim. You could reduce your motorbike insurance costs by agreeing to a higher excess, but remember you have to be able to pay this in the event of a claim or accident.
  • Consider multi bike policy - If you have more than 1 motorbike you might be able to reduce costs with a multi bike insurance policy. Multi-bike insurance works by offering savings incentives, because insurers naturally benefit from the more policies they have.

Motorbike licences for over-50s

Your standard driving licence should entitle you to ride a moped up to 50cc without L plates or taking a test if you passed your test on or before February 2001. Drivers who passed their tests after this date must take a CBT to ride a moped on public roads.

In both cases you will need a CBT to ride anything between 50cc and 125cc and hold a full motorbike licence of the correct level to ride anything more powerful.

You need to renew your licence every 10 years, which is done simply via DVLA with no further or renewed test. Once you’re over 70 years old, you have to renew your licence every 3 years.

It’s free to do so, and you’re able to update your photo at the same time, if you wish.

You need to make sure you continue to meet the minimum eyesight requirements for riding. This is the ability to read a car number plate (made after September 2001) from 20 metres away.

The 3 levels of motorbike insurance

The level of cover you choose impacts what you’re covered for, as well as how much you pay. You can compare all 3 when getting a quote.

As with car or van insurance there are 3 levels of cover available to you:


Comprehensive offers one of the highest levels of protection. As well as covering other people and their property in the event of an accident, you’re also covered for damage to your motorcycle.

Comprehensive cover is often also a similar price, if not cheaper than the other options.

Third party only

Third-party is the minimum amount of cover you can get and is a legal requirement. While you might think this would be the cheapest option for riders, that’s not always the case.

It’s a basic level of cover that covers damage to other vehicles and property, as the result of an accident that’s deemed your fault.

It doesn’t cover your motorcycle for repairs or replacement if it’s stolen, damaged or involved in an accident.

Third party fire and theft

Third-party, fire and theft gives you the same level of cover as with third-party, but also covers against theft or damage by fire.

What our motorbike insurance expert says

''Insurance quotes for over 50s riders have seen an increase in recent years, and as the data shows biking is becoming more popular with older riders.''

''Along with potentially cheaper quotes, over 50s riders can also benefit from a number of insurers we work with who specialise in more experienced older riders.''

Louise Thomas, Motor Insurance Expert at Confused.com
Motor Insurance Expert Confused.com logo

What medical conditions could stop older bikers from riding?

Generally speaking, you must give up your licence if:

  • Your doctor tells you to stop riding for 3 months or longer
  • You have a medical condition that impacts your ability to ride for 3 months or longer
  • You’re deemed unfit to ride due to a medical condition.

The list is the same for bikers as it is for drivers. For more information, check out our guide to medical conditions and driving.

Your safety and the safety of those around you should be your top priority. With that in mind, it’s best to keep your health in check and take note if:

  • Your eyesight begins to deteriorate, even with contact lenses or glasses
  • Your reaction times are slower than before
  • You take medication that could impact your ability to ride safely
  • You suffer from conditions such as diabetes, epilepsy, stroke or arthritis.

Certain medical conditions must be declared to the DVLA. If you don’t you risk getting a fine of up to £1,000. And, if you’re in an accident as a result, you could be prosecuted.

You can check if the DVLA needs to know about a specific medical condition at GOV.UK.

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