| Motorbike insurance premiums are calculated on a | | | | As the severity of the endorsement increases, a |
| huge number of different factors and one of which | | | | driving ban would be awarded and this usually applies |
| that can have a great impact is driving licence | | | | to careless driving offences, dangerous driving |
| endorsements. | | | | offences, disqualified driver offences and theft or |
| A motoring conviction might influence a motorbike | | | | unauthorised taking offences. |
| insurance underwriter in his or her assessment of the | | | | Drink driving convictions are taken very seriously by |
| risk and calculation of the final bike insurance | | | | insurers. Convicted riders returning to the roads may |
| premium. Taking penalty points or driving bans into | | | | face difficulty in obtaining bike insurance and will |
| consideration depends on when the conviction | | | | certainly have to pay far higher premiums than |
| occurred, the frequency with which they occurred, if | | | | before their conviction. These higher premiums can |
| there is more than once offence and the severity of | | | | well last for a number of years. |
| the offence. | | | | Apart from the one off major convictions that will |
| Insurers know that there is a connection between | | | | result in an immediate ban, there is also a totting up |
| the number of speeding convictions a person may | | | | provision where a rider can be disqualified if he/she |
| have and their likelihood of making an insurance claim, | | | | accumulates twelve penalty points within a three |
| so riders with speeding convictions are likely to face | | | | year period. Ultimately, a rider who accumulates four |
| higher premiums until their driving record improves. | | | | minor speeding offences over three years will face a |
| Generally insurers categorise motoring convictions into | | | | similar increased motorbike insurance premium as that |
| four sections and a speeding endorsement would be | | | | of a convicted dangerous or drink driver. |
| seen as a minor conviction. Other such minor | | | | With increasing use of speed cameras and stricter |
| convictions can range from not ensuring good | | | | penalties enforced by the courts even careful drivers |
| maintenance of your motorcycle - a CU30 | | | | risk totting up points Under the New Driver Act, if a |
| endorsement would be incurred for using a vehicle | | | | person has passed their motorcycle or car test on or |
| with defective tyres, to gaining points for driving | | | | after 1st June 1997 and incur six or more penalty |
| without wearing spectacles - a MS70 endorsement | | | | points within the first two years of passing the first |
| would be incurred for driving with uncorrected | | | | test, their driving licence is automatically revoked. This |
| defective eyesight. Even though these offences are | | | | includes any penalty points you had prior to the test |
| of the minor nature, your motorcycle insurance would | | | | which are still valid. To obtain a new licence, you |
| still generally increase. | | | | would have to re sit a test as a learner driver. This |
| Motoring convictions are material facts that must | | | | type of driving disqualification would also have an |
| always be disclosed at the time of a motorbike | | | | impact on your bike insurance premium. |
| insurance quotation and relate to a moral hazard. A | | | | In summary, more than two million motorists' driving |
| moral hazard applies to insurance as they relate either | | | | licences will be endorsed with penalty points over the |
| to the insurance history of the policyholder or to his | | | | next twelve months. Should it be their first minor |
| personal history or attitude. | | | | offence, Insurers will probably be quite lenient, |
| Failing to stop and give particulars after an accident, | | | | however as they increase in numbers and severity, |
| an AC10, driving without due care and attention, a | | | | the insurers will definitely apply a loading thus ensuring |
| CD10, or using a vehicle which is uninsured, an IN10, | | | | higher motorbike insurance premiums for you. |
| are all deemed to be highly rated as a moral hazard | | | | Avoid all motoring convictions and get cheaper bike |
| but generally would only incur points on a singular | | | | insurance. |
| basis rather than a ban. | | | | |