Insurance

Apart from the obvious safety benefits of receiving training, riders are also becoming aware that some insurance companies offer significant financial incentives to motorcyclists who achieve certain motorcycle skills levels. These incentives are offered by Aon/AXA and Quinn Direct. Discounts upwards of 20% off the annual insurance premium are achievable. This can amount to hundreds of euro reduction on some premiums. In some cases, a person can recover the cost of the training in one yearly premium, and continue to benefit from the discount every year thereafter.

This initiative creates a win-win situation. The rider benefits from being a safer and more highly skilled motorcyclist. The insurance company benefits from providing cover to a well trained rider.

Details of the Aon/AXA program are:

Result	Description of Skill	Known tests of this skill level	Discount
Grade 1	Rider exceptionally skilled, rides flawlessly at all times and in all conditions.	RoSPA Gold, RoSPA Silver, Police bike riders.	Full licence rate less 30% (55%)
Grade 2	Highly skilled and very safe rider in all road and weather conditions.	IAM advanced, RoSPA bronze, AON/AXA Skills Assessment pass with a minimum of 38 points.	Full licence rate less 15% (40%)
Grade 3	Full or provisional licence holder that can ride safely under all normal conditions, on all road types and can overtake safely.	AON/AXA Skills Assessment pass with a minimum of 24 points.	Full licence rate less 10% (35%)
Grade 4	Provisionally or fully licenced rider, safe enough to ride unaccompanied in all normal conditions.	AON/AXA Skills Assessment pass with a minimum of 14 points, full licence.	Full licence rate (25%)

Details of the Quinn Direct program are:

Result	Description of Skill	Known tests of this skill level	Discount
Level 1	Rider exceptionally skilled, rides flawlessly at all times and in all conditions.	RoSPA Gold, RoSPA Silver, Quinn Skills Assessment pass with a minimum of 55 points.	35%
Level 2	As per Level 3 and a high standard of hazard awareness and machine control/sympathy.	IAM advanced, RoSPA bronze, Quinn Skills Assessment pass with a minimum of 40 points.	30%
Level 3	As per Level 4 and also can ride safely on dual carriageway/motorway, country roads, wet conditions and night time. Hazard management skills consistent and predictable.	Quinn Skills Assessment pass with a minimum of 25 points.	25%
Level 4	Can ride safely on own in all normal conditions, including heavy urban traffic. Would be likely to Pass RSA national test.	Quinn Skills Assessment pass with a minimum of 15 points.	20%

Also, although Carole Nash Insurance company does not run a similar program, it will offer discounts to riders who achieve certain levels in the RoSPA advanced test.