[A must-read for newbies] A complete guide to buying a motorcycle | Picking a bike, maintaining it, and insuring it all at once

Riding a motorcycle offers the exhilarating freedom of driving, and its maintenance costs are lower than those of a car, attracting many to join the ranks of two-wheelers. However, for beginners, choosing the right motorcycle, understanding safety equipment, mastering maintenance skills, and purchasing appropriate insurance are all crucial aspects that cannot be overlooked. This time, we provide a detailed analysis of the key factors to consider before buying a motorcycle, helping you easily embark on your new journey

Motorcycle Buying Guide | Understanding Your Personal Needs

Before buying a motorcycle, you should first understand your needs. Is it for daily commuting, leisure and entertainment, or business use (such as delivery services)? Different models are suitable for different uses

Budget planning

Motorcycle prices vary depending on brand, performance, and configuration. In addition to the price of the motorcycle, extra expenses should be budgeted, such as maintenance, insurance, and equipment (e.g., helmets, protective gear). A suggested budget allocation is as follows:

• Vehicle price: Major expense; choose the appropriate model based on your needs.

• Insurance premiums: Insurance premiums for novice drivers are usually higher and should be taken into account.

• Repair and maintenance: including changing engine oil, brake pads, tires, etc.

• Safety equipment: Helmets and protective gear are essential; it is recommended to choose high-quality products.

In addition, holders of provisional driving licenses (P licenses) should be aware of their legal restrictions, such as the prohibition of carrying passengers, which may affect insurance compensation

Recommended e-bikes for beginners | Choosing the right model

Entry-level motorcycles

1. Naked Bike & Scooter

• Simple to operate, natural and comfortable seating position

• Suitable for daily commuting and short-distance transportation

• Affordable price and low maintenance costs

2. Sports Motorcycle

• It has a streamlined appearance, but leaning forward while riding is more strenuous

• Suitable for riders with some riding experience

• Maintenance and repair costs are relatively high

3. Cruiser Motorcycle

• Designed with comfort as the primary concern, it is suitable for long-distance driving

• Low seating position, high stability

• It takes time to get used to its handling characteristics

4. Touring Motorcycle

• Suitable for long-distance travel, with ample storage space

• Equipped with advanced safety features such as ABS and anti-lock braking system 

For beginners, motorcycles with a displacement of 125cc-250cc are easier to control, so it is recommended to start with this type

Vespa Electric Lamb

Motorcycle Safety Equipment | Essential Knowledge for Beginners

Safety equipment is crucial for motorcyclists; when purchasing, pay attention to the following features:

• ABS (Anti-lock Braking System): Some motorcycles are equipped with ABS (Anti-lock Braking System) to prevent the wheels from locking up when braking, reducing the risk of skidding.

• TCS (Traction Control System): Prevents tire slippage during acceleration, improving stability.

• Quick-shift system: Gear shifting can be done without the use of a clutch, making operation smoother.

• Front wheel lift control system: Prevents the front wheels from lifting due to excessive power output, thus improving safety.

In addition, the seat height and handlebar position should be adapted to the rider's body shape to ensure comfort and stable handling

Motorcycle Insurance Guide | Protect Yourself and Others

In Hong Kong, motorcycle insurance is divided into three main categories. Understanding the coverage can help you choose the most suitable plan

1. Third-Party Liability Insurance (TPO)

• Minimum guarantee stipulated by law

• Compensation for personal injury and property damage to third parties

• The maximum compensation for property damages is generally HK$1 million

2. Third-Party Liability Insurance - Fire and Theft (TPFT)

• Includes TPO protection

• Additional coverage for losses caused by fire and theft 

Insurance Tips for Beginners

• Insurance premiums for P-plate new drivers are generally higher than those for regular license plates 20-30%。

• The no-claim discount (NCD) for motorcycles is up to 30% , which is lower than the 60% discount for private cars .

• Unreported modifications may invalidate your insurance policy; please check with your insurance company before purchasing.
  
  Before buying motorcycle insurance, you can fill outa simple formto get a free quote. AWM's vehicle insurance experts will help you get motorcycle insurance quotes from multiple insurance companies.

 Motorcycle Buying Tips | Avoiding Common Beginner Mistakes

Essential things to do before buying

• Test drive: Whether it's a new car or a used car, a test drive can test the handling and mechanical operation.

• Check maintenance records: Ensure the vehicle is in good condition, especially the brakes, tires, and shock absorber system.

• Choosing the right vehicle: Consider your intended use, driving habits, and safety features.

• Understand the insurance terms, especially the restrictions on modifications.

Things to note when buying a used motorcycle

When buying a used motorcycle, you should carefully inspect its condition to avoid purchasing a vehicle with hidden problems

• Key inspection items：

• Is the engine running smoothly?

• Brake sensitivity

• Was the turn smooth?

  • Is there any deformation or welding marks on the frame?

• It is recommended to have a professional mechanic inspect the vehicle to ensure that its condition meets safety standards。

Frequently Asked Questions

• What size motorcycle should a beginner choose?

I recommend 125cc - 250cc, which provides moderate power and is easy to handle.

• How much more expensive will the premium be during the P license period?

It is generally 20-30% more expensive than a regular license plate , with the specific cost depending on the insurance company.

• What does the mandatory motorcycle insurance cover?

It covers personal injury or death to third parties (minimum HK$100 million) and property damage.

• Will modifying a motorcycle affect my insurance?

Legal modifications that are reported to the insurance company generally have no impact, but failure to report may result in the insurance becoming invalid

Motorcycle selection and safety tips help you ride with peace of mind and fully enjoy the freedom of two-wheeled riding!