Can advanced motorcycle training save you money on your insurance?
If you’re looking to save money on your motorbike insurance, there are a number of ways you can do it. Enrolling on an advanced motorcycle training course is one of the most effective solutions.
Advanced rider courses are accepted by most insurers as a sign that you’re more than competent and equipped with the skills and knowledge you need to take to the road safely.
There are a few different courses to choose from, so it’s important you sign up for the one that best suits you, your ability and experience. In this guide, we’ll run through the various options as well as look at other ways you can cut the cost of your insurance premium.
Why could an advanced rider course lower your insurance premium?
The more training a rider has received, the better they tend to be at coping with hazards, riding through adverse weather conditions and minimising the likelihood of an accident.
As a result, insurers see this type of motorbike owner as a safer rider who’s less likely to be involved in a crash. The risk of the insurer having to pay out is reduced, which is reflected in the price of the policy for the customer.
Which advanced motorcycle course should I go for?
In order to maximise your saving, you’ll need to opt for a course that’s approved by the insurer in question. Each will have their own list of courses they’ll accept, so it’s wise to take one that matches up to their expectations.
Here are four of the most popular advanced motorcycle training courses available to you:
The enhanced rider scheme
The enhanced rider scheme is backed by the UK Government and run by the Driver and Vehicle Standards Agency. Rather than teaching everyone the same thing, regardless of ability, it will assess your current skill level and provide you with the training you need.
How does the enhanced rider scheme work?
For most participants, the course will be made up of two parts. The first involves a one to two-hour ride on the road with an instructor who will evaluate your riding abilities. If they are happy with your current level, you’ll be given a completion certificate.
If the instructor identifies room for improvement, they’ll provide you with further training before issuing your certificate.
How much does the enhanced rider scheme cost?
There is no set price for the enhanced rider scheme, as it will depend on the instructor and your individual training needs.
The Institute of Advanced Motorists (IAM) certificate
The Institute of Advanced Motorists (IAM) is a leading safety organisation that focuses on helping drivers and riders improve their road skills through a selection of schemes.
How do the IAM schemes work?
The IAM offers a number of different options. One is an advanced rider course, consisting of six to eight observed sessions of a couple of hours each, focusing on a wide range of skills before a test. Others include an advanced rider retest, an exemption course and rider assessments for both members and non-members.
How much do the IAM tests cost?
The IAM’s bike safety courses range in price, from £38 to £149.
The Royal Society for the Prevention of Accidents (RoSPA)
The Royal Society for the Prevention of Accidents (RoSPA) offers four advanced motorcycle training courses that can help you lower your insurance premium without having to pay a large fee for the course itself.
How do the RoSPA courses work?
RoSPA offers a four-day course, as well as one aimed specifically at business riders. There is also a five-day course for anyone looking to become a qualified instructor. There are volunteers around the country who provide these sessions and, once you’ve completed an adequate amount of training, you can take the advanced test.
Once you’ve undergone your assessment, you’ll receive a Bronze, Silver or Gold grade, depending on your performance. The RoSPA test needs to be retaken every three years in order to stay valid.
How much does a RoSPA course cost?
That depends on the option you choose. For example, the advanced drivers and riders course is free, but the course for instructors is £1,200.
The British Motorcyclists Federation (BMF) Blue Riband Rider Award
The British Motorcyclists Federation (BMF) is devoted to helping riders with multiple aspects of road safety and bike ownership. It offers the Blue Riband Rider Award, which is recognised by some insurers and can help to lower the cost of your premium.
How does the Blue Riband Rider Award work?
You can take the concentrated version of this advanced motorcycle course, held over a day and a half. Alternatively, the standard version can be held over several sessions on a schedule that is convenient for you. Once you’ve been assessed, you’ll receive a written report. A copy will be sent to the BMF and you’ll subsequently receive your certificate, which is valid for three years.
How much does the Blue Riband Rider Award cost?
The concentrated course costs £250. The standard version should work out at roughly the same price, but it will depend on your progress. For just the assessment, the cost is £80.
Advanced rider courses and insurance: FAQs
Hopefully now you have a clearer understanding of your various options when it comes to choosing the advanced motorcycle course that’s right for you. But we understand you may still want to know more about signing up for additional training, as well as how it can impact the price of your premium. That’s why we’ve put together this selection of frequently asked questions.