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Why an increase of 8 % in two years?

Why an increase of 8 % in two years?
Why an increase of 8 % in two years?

In the first quarter of 2025 there was a marked increase of 9 % compared to the same period in 2024.
According to lelynx.fr, these increases are due to a significant increase in repair costs and spare parts,
as well as an increase in the number of accidents.

50 cc: a large insurance premium

For all-risk insurance, it takes € 598 per year for a motorcycle, € 448 for a scooter of 125 cc and € 566 for a two-wheeler of 50 cc (only 32 € less than a motorcycle).
On the other hand, for third -party insurance, a 50 CC costs € 323 (€ 50 more than a motorcycle at € 271), while ensuring a scooter of 125 CC returns to € 252.

These bonuses raised for two-wheelers of 50 CC are explained by young and inexpensive drivers, while motorcycle drivers are generally older and prudent. In addition, this type of two-wheeler is mainly used in town where the risks of accident and flight are important.

Motorcycle insurance: young drivers pay double

Young bikers under 25 pay a premium of € 741, almost double (+97 % more) compared to other drivers (€ 376).

In addition, in 2024, they underwent an increase in their much more marked premium, with an increase of 10 % compared to 2023, against only 3 % for other drivers.

190 € difference between Brittany and Ile-de-France

2 -wheel insurance premiums vary considerably depending on the region and cities. With an average premium of € 545, Île-de-France is the most expensive region.

The high population density increases the risks of hanging, while parking on the public highway exposes two-wheelers more to attempted theft.

The Brittany region is on the other hand that for which the premium is the weakest (€ 355). The Pays de la Loire region records the highest increase, by 8 %, with a bonus reaching € 373. Paris remains the most expensive city with a premium of € 568 followed by Marseille with a premium of € 524.

The idea of ​​Arthur Martiano, CEO of LeLynx.fr

In 2024, the increase in motorcycle insurance premiums was explained by the increase in the cost of repairs and spare parts, as well as a growing loss.

Young drivers are particularly impacted, with bonuses almost twice as high than those of more experienced bikers.

For example, a young driver of 23 years old with 1 year and a half of insurance history will have to pay around € 1,095 to ensure in all risks a Yamaha MT-07, the most widespread model, while a 40-year-old biker, with many years of driving, will only pay € 579 for the same model, almost twice.

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