Sport bike insurance

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What is a sportsbike?

Generally speaking, sportsbikes are designed to go fast and usually demonstrate the best in current motorcycle technology. They are often swathed with all the latest tech and parts and are designed to help racers cut lap times. Sportsbikes are very focused machines and can be harsh to ride and uncomfortable when covering big distances but are the weapon of choice for those who race and who also often might do trackdays.

Most large manufacturers offer at least one sportsbike in their range and it usually represents their flagship motorcycle with race-derived technology from MotoGP or World Superbikes.

How much is sportsbike insurance?

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

Popular sportsbikes

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

Popular large capacity bikes include the Ducati’s Panigale model range with machines ranging from their 899 up to the mighty 1299 bearing the name. Famed for their desirability and distinctive v-twin growl they’re beautiful bikes idolised by many.

One of the most distinguishable models and quite possibly one of the most iconic motorcycles of all time is Ducati’s stunning 916.

The Honda Fireblade is also a legendary name among sportsbikes and has been now for over two decades since the introduction of the CBR900RR in 1992 to the modern CBR1000RR models of today.

Yamaha changed the game when they brought out the R1 in 1998 and it has been popular ever since.

Other popular Japanese sportsbikes include the Suzuki GSX-R1000 and Kawasaki’s ZX-10R Ninja.

BMW also brought a blistering package to the table with the introduction of the S1000RR motorcycle in 2010, where it became an instant force to be reckoned with and widely recognised because of its striking and distinctive asymmetrical headlight design.

From the mid capacity market comes a whole host of machines. The Yamaha R6, GSX-R600 AND GSX-R750, Triumph Daytona 675, Kawasaki Ninja ZX-6R and Honda CBR600RR are all still blisteringly quick but are slightly more affordable and in many cases slightly easier to manage.

Why is sportsbike insurance expensive?

Sportsbikes are very attractive machines, not just in their design, but also to thieves as they command high premiums and are very distinctive. When purchasing a sportsbike, 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 it will not only save you money on replacing the bike if it does get stolen, but will also likely reduce your insurance premium too.

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

Other methods of securing your sportsbike include ground anchors and disc locks.

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.

Sportsbikes 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. We’re all guilty of going a bit quick at times but this has a knock-on effect on insurance as riding quick is linked with crashing as riders can be known go beyond their ability and have an accident.

Racking up a good no claims bonus will definitely help to reduce sportsbike 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 600cc sportsbike being cheaper to insure than a 1000cc equivalent. It makes sense to consider lower capacity bikes too if you’ll only be riding on the road as it’s very difficult to ride anywhere near the limit of a bigger machine on public roads, making a 600cc bike more rewarding to ride in many cases.

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

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