Motorcyclists with motoring or criminal convictions can often receive a distinctly 'second class' service from many insurance companies - so much so, in fact, that many riders with a speeding fine or two under their belt just resign themselves to paying through the nose for their motorcycle insurance, as their renewal premiums rise dramatically.
But it doesn't have to be this way. Bikesure understand that riders with convictions are not really very different from most riders without convictions. And for those riders with points accumulating on their licenses, they are more likely to be more careful in future in order to avoid a ban.
Whether you have motoring or criminal convictions, it's important to choose a company that sees you as an individual, rather than a statistic. By understanding the circumstances of a conviction, we can often offer you a cheaper rate, because we don't have to assume the worst.
For example, we know that riders with a drink driving conviction usually learn from their experience, and the vast majority never re-offend, so our rates can reflect this fact, rather than punishing you out of proportion to the risk.
The plethora of speed cameras, CCTV and new regulations means that it is easier than ever to pick up a motoring conviction, even for a momentary lapse in concentration. Years ago, if someone was caught speeding and taken to court, then chances were, they sped most of the time, but with fixed penalties, Gatso cameras on so many of our roads, not to mention powerful bikes capable of rapid acceleration, these assumptions no longer hold true - and even accidentally straying above the limit for a few seconds can land you with an SP30 and three points before you can blink.
Even so, many insurance companies continue to apply hefty premiums to anyone with any kind of conviction, regardless of these changes, or of the individual merits of the risk. In truth, many companies simply lack the experience and know-how to determine a fair price in these cases. That's why, if you need convicted rider insurance, it pays to speak to a specialist broker like Bikesure.
All of our motorcycle insurance policies are designed around you, and this means that you can choose from a variety of useful policy options. Every one of our policies comes with £100,000 of legal expenses protection included, free of charge, but you can also choose to add personal injury cover, comprehensive homestart breakdown insurance and helmet and leathers insurance.
Due to the nature of the products available, riders with a history of motoring or criminal convictions should always call for the best rates.
If you have criminal or motoring convictions, or have been previously banned from riding, the personal approach can make all the difference. By taking your personal circumstances into account, we can offer rates that better reflect the risk, rather than having to asssume the worst. For this reason, our best rates for convicted bikers are only available on the telephone, so make sure you call us on 0800 369 8580 before you buy a policy.
“I'd been struggling to get any cover for my bike because of a lengthy prison sentence I served for crimes I committed when I was young.
But I'm much older now and Bikesure took into account the length of time since the conviction and the rehabilitation work I've undertaken.”
Gary is 43 and from the Great Yarmouth area (NR31). He received a fine and community service order three years ago for a crime he committed, which has caused him some problems with getting insurance. He has just bought a 2003 model Honda CBF600 for £1,200, and wishes to use it to commute to work. He has a full category A licence, held for more than 20 years.
Gary's rate is just £263.91 for fully comprehensive cover, or only £192.39 for third party, fire and theft cover.
Kieran is 31 and from Llandudno (LL30). As a result of crimes committed several years ago, he served two years in prison. He has now picked himself up, and has bought a Yamaha YBR 125 to help him get to and from his job. The bike is only worth £900, but Kieran is new to biking having passed his CBT in March 2013. He currently holds a provisional licence and does not have any no claims bonus to use.
Kieran's rate is just £336.86 for TPF&T cover, or a mere £271.62 for third party only.