AON and Liberty Insurance Insurance Assessments
Insurance companies recognise the value of training and most will offer discounts to customers who show themselves to be skilled, safer riders.
AON and Liberty Insurance both operate assessment schemes which provide substantial discounts. They will sometimes insist on you passing an assessment before offering insurance. These requirements can be complex and confusing, so we have set out some of the details to help clarify the discounts and requirements.
AON
Bike Care
Their assessment offers four levels.
- Level 4 Insurance is offered at full licence rate to provisional Licence holders
- Level 3 Full licence rate plus 10 % Discount
- Level 2 Full licence rate plus 15 % Discount
- Level 1 Take the ROSPA advanced riding test and get silver. Full licence rate plus 30% Discount.
The bike used for the assessment must be no more than four insurance categories lower than the bike you want to insure.
EG ; to insure a group 10 bike you must do the assessment on a group 6 or higher bike.
For some combinations of bike and rider AON will insist on an assessment, sometimes requiring a grade 2.
Most riders will need more than one session to reach grade two.
Grade Definitions
- Level 4 Equivalent to passing the driving test.
The rider understands basic driver theory is implementing it consistently. - level 3 Intermediate level riding.
A good level of hazard awareness and planning. A good level of machine control. - Level 2 Advanced level. A high level of hazard awareness and Planning, in place consistently.
Very good machine control.
See www.aonbikecare.ie for more details
Liberty Insurance
Motorcycle Insurance
The Liberty Insurance assessment is very similar to the AON assessment.
The above definitions of the levels are the same for Liberty.
If the bike to be insured is 500cc or more, the assessment must be done on a bike of 500cc or more.
- Grade 4 20% Discount
- Grade 3 25% Discount
- Grade 2 30% Discount
- Grade 1 35% Discount
See www.libertyinsurance.ie for more details
Carole Nash
Motorcycle Insurance
Carole Nash will sometimes offer a 10 % discount for recognised training or assessment.
See www.carolenash.com for more details
Adelaide Insurance
Motorcycle Insurance
Adelaide offer discounts for the Iam and Rospa advanced tests and the Garda Bikesafe assesment.
The level of discount varies with the premium.
See www.adelaideinsurance.com for more details
These details can change at any time, so check carefully before you buy a bike.
If you have any queries, we’ll be glad to answer them.
