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Sports Bike Insurance: your MCN guide


What is a sports bike?

Generally speaking, sports bikes are designed to go fast and handle well. They’re often at the forefront of current motorcycle technology.

They are usually very focused machines and can be harsh to ride and uncomfortable when covering big distances but are the weapon of choice for those who do trackdays.

However, they are also available for newer riders with far lower-capacity engines. In fact, some have just 50cc motors and can be ridden by 16-year-olds on provisional driving licences as long as they have done a CBT. There’s a number of 125cc options available, before moving up to larger-capacity machines and in most cases reaching the heady heights of the superbike.
These are usually a firm’s flagship motorcycle with race-derived technology from series’ such as MotoGP or World Superbikes.

How much is sports bike insurance?

With high speed often comes higher insurance premiums and sports bikes are no exception to this. Their desirability also makes them prime targets for theft, bumping insurance premiums up more. Because of this, most sports bike models will command higher insurance premiums than an equivalent naked bike, though the capacity of the machine will also have a big impact on the premium.

Popular sports bikes

There are many popular sports bike models from both European and Japanese manufacturers.

Popular large capacity bikes include the Ducati Panigale V4 model range, the Honda Fireblade and the Yamaha R1.

From the mid capacity market comes a whole host of machines. The Yamaha R6, Kawasaki ZX-6R, Triumph Daytona 675 (and the new Moto2-inspired Daytona 765) and the more road-focused Honda CBR650R.

Smaller still are the entry-level machines such as KTM’s RC390 and the Kawasaki Ninja 400, while the Yamaha YZF-R125, Lexmoto LXR 125 and Aprilia RS125 are all great 125cc sports bikes.

Is sports bike insurance expensive?

Sports bikes are very attractive machines, not just in their design, but also to thieves. When purchasing a sports bike, it’s a good idea to think about security and where the bike will be parked too.

If the bike will be kept secured in a garage overnight, that’s likely to lower your insurance premium too.

Locking and securing the bike can also help to reduce insurance premiums. Using a heavy-duty motorcycle chain, ground anchor or even a disc lock can deter opportunist theft of your pride and joy and can sometimes be recognised by insurers with reduced premiums.

Security markings and tracking devices can also help to identify stolen motorcycles, increasing the chance of recovering the machine if it did get robbed. Alarms can also help to deter thieves too by drawing unwanted attention to them.

Sports bikes are also linked with riding fast due to their racing heritage and insurers can see this as a liability in some cases, as some riders are more concerned with going as fast as they can rather than abiding to the laws of the road.

Racking up a good no claims bonus will definitely help to reduce sports bike insurance premiums in such instances by proving to insurance companies that you are less of a liability on the roads.

 

Also, machine capacity will have some bearing on premiums too, with a 125cc sports bike being cheaper to insure than a 1000cc equivalent – although if said 125 rider isn’t very experienced, it’s possible premiums will be just as high as an experienced rider on the latest superbike, and in some cases higher.

It makes sense to consider lower capacity bikes if you’ll only be riding on the road as it’s very difficult to ride anywhere near the limit of a bigger machine, making a 600cc bike more rewarding to ride in many cases.

Finally, age will have an impact on your insurance premium, with younger riders often being less experienced and more likely to ride quicker.

How can I get cheaper sports bike insurance?

You can compare and save on comprehensive sports bike insurance cover with MCN Compare. We compare all the top insurers in one place to help you get the cheapest cover possible. See for yourself: get a quote with MCN Compare (online or over the phone).