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Convictions & Speeding

Insurance is all about risk. If you have a previous conviction for a motoring offence you will be regarded as a higher risk by an insurance company and more likely a pay out on a claim will be made.

Buying the latest sportsbike will not help. A vehicle with a lower insurance group lowers the risk. Insurance group 1 is the lowest and 50 is the highest. Factors such as value, performance, security and cost of repair are taken into consideration when deeming insurance groups.  Choosing a bike with a low group is a good starting point. Use our MCN bike reviews to compare insurance groups.

Security is also a consideration when insuring your bike. Keeping your bike in a garage and secured with an insurance approved lock and chain (Sold Secure) will lower premiums.  Visit our Security and Theft page for more information on lowering your premium by safeguarding your bike.

Depending on what your conviction is, there are further measures you can take. For example, if you were convicted of drink-driving, certain companies will provide special discounts if you have completed alcohol awareness courses.

If you want to talk to us rather than apply for quotes online, call us on 0844 409 7610.

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