Have you heard of car insurance groups? Well, if you have you’ll be pleased to know that the motorcycle insurance grouping is a completely different ballpark!

Typically, car insurance groups will run between 1-50, however when it comes to motorcycle groups you will find they have been rated anywhere between 1-17 or 1-22 depending on the insurer.

Before we get started it is worth mentioning that motorcycle insurance groups are not as widely used as car groupings, meaning the way an underwriter rates motorcycles is due to a variety of factors which we will discuss in detail further in this article.

So without further ado, join us as we run down everything you need to know about motorcycle insurance groups…

What are motorcycle insurance groups?

As a general rule, each insurer will ‘group’ a particular make and model of vehicle for rating purposes, this helps to establish the quote you receive when trying to set up motorcycle insurance.

This rating system will place the bikes in groups 1-22, depending on factors such as price, performance, and value. The higher the group number typically will mean, the higher the value and performance of the bike.

What factors impact the cost of motorcycle insurance?

Alongside motorcycle insurance groupings, other factors that will affect the cost of your insurance premium are:

  • Age
  • Location
  • Number of years No Claims Bonus
  • Riding experience
  • Occupation
  • Security/Where it is stored

Which motorcycles are in lower insurance groups?

Again, as a general rule typically smaller capacity motorcycles and mopeds such as 50cc-125cc bikes will tend to fall in the lower numbered insurance groups, positioning themselves in groups anywhere between 1 and 6.

Which motorcycles are in higher insurance groups?

On the other hand, bikes that tend to be in the higher-numbered insurance groups are those that have a power output of 700cc, due to their higher speeds and increased costs when needing repairing*.

*It is worth noting that the bike groupings that we have mentioned in these sections have been generalised, these will vary between insurers so it is always worth shopping around and seeing what is out there and for the best price for you!

Get a quote from Lexham

So there you have it, I hope you enjoyed my run down on everything you need to know regarding motorcycle insurance groups.

Last but not least, if you do have a motorcycle or scooter you need to insure, make sure to get a motorcycle or scooter insurance quote direct with Lexham!