Convicted biker insurance is something that just might make a significant difference to the cost of your motorcycle insurance cover.

What is it and how does it work?

The biker’s image

For a long time some bikers have been working hard to consign to the bin, the old stereotypical image of the biker as some form of rebellious force of nature.

The vast majority of motorcyclists are law-abiding citizens who manage to avoid infringing the various laws that govern road usage.

Of course, sometimes things may go wrong and you may find that however conservative a rider you are, you may pick up some form of motoring conviction.

That may not necessarily indicate that you have a fundamentally flawed attitude to riding your bike safely and considerately, however, insurance providers may not take into account your past behaviours. They may only see your current conviction(s) and the predictable result may be a significant hike in your insurance premium with any dreams you have about cheap motorcycle insurance, seemingly disappearing without trace.

Why?

Insurers typically rate policies and calculate the premium based upon their statistical perceptions of the risks involved.

Statistically speaking, motorbike riders with convictions may be more inclined to become involved in situations resulting in a claim.

For that reason, insurers typically increase their prices to cover what they see as their increased risk.

Bigger cheques

Your response to this may simply be to fatalistically accept that you are going to be writing some larger cheques for your motorcycle insurance in future.

Yet you may have an alternative – and that is to seek a provider offering convicted biker insurance.

These organisations may have different ways of looking at different forms of conviction and trying to perform a little more of an analysis of the risks constituted by different bikers applying for insurance with convictions on their licence.

Convicted biker insurance does not necessarily mean that you will be getting your insurance for the same price as you were prior to the points being added to your licence.

What it may mean is simply that your application is being reviewed against the product list that has been built up based upon considerable experience in this specialist domain rather than simply looked at in the context of generalist motorcycle insurance.

Yet it is also probably the case that you are looking for practical benefits rather than simply sympathy and understanding.

The bottom line is that in some cases convicted biker insurance may be able to offer you a more cost-effective solution to your motorcycle insurance needs if you have a licence that is something other than spotlessly clean.