Insurance for new rider with *ahem* complications

DanielMMS

DanielMMS

DanielMMS

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17 Feb 2011
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I've never been into bikes so have no idea where to start with this.

Number one son who is 19 wants to start riding a bike. He has found a fairly reasonably priced 50cc Aprilla to get him going but is struggling to find insurance. In a nutshell this is because he has three convictions - driving without a license, driving without insurance and failure to report an accident all from the same incident. It was an unusual and the courts treated him exceedingly lightly, ie only a very small fine, but insurance companies rightly do not view his position terribly kindly!

Are there any insurers who specialise in clients with *issues* or is he just going to have to bear the ridiculous cost if he wants to get on the road? If he passes his CBT (or whatever it is) before getting a bike, would that make any difference?
 
I fear he may have to bear the ridiculous cost as insurance for new and young riders is ridiculous as it is without convictions against them...

You could try getting quotes as if he had a CBT and see if it comes down in price, remember he NEEDS a CBT before he is allowed on the road with his own bike either way, so probably easier to get his CBT done using a test centers bike, if you do it the other way around then he will need insurance on his own bike to do the CBT.
 
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As has been said, i'm afraid he/you will just have to take it on the chin and cough up.
You may have to carry on coughing up for the next 5 years as well, because insurance company's tend to take any endorsements in the previous 5 years into account.
As far as i'm aware specialist insurance company's only look at cases that no other insurance company will touch. In this case, run of the mill company's will insure him, just at a cost.
 
DanielMMS said:
is he just going to have to bear the ridiculous cost if he wants to get on the road?
Click to expand...

This unfortunately. He seems to have pretty much everything against him.

Maybe look at something like a CG125 instead? they're viewed as pretty sensible bikes and might bring his insurance down, though they aren't too exciting to ride.
 
Thanks guys. I thought that would pretty much the case. I'll have a conversation with him this evening (whilst remembering to hide my cheque book away before hand). He has been talking about the CBT so I will encourage him to get on with that asap.
 
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