The costs that come back every year

  • Fuel: depends on the bike, your riding style and how far you ride.
  • Insurance and registration: vary a lot by country, age, experience and bike.
  • Servicing: oil and filters, plugs, chain, brake pads and fluids, as set out in the owner's manual.
  • Tyres and chain: wear items that depend on how hard and how often you ride.
  • Parking, storage, tolls and any club or training fees.

Gear and extras

A good helmet, jacket, gloves, trousers and boots can cost a meaningful part of the bike's price, and they need replacing over time. Add luggage, a phone mount and locks if you plan to travel or park in the street.

The unexpected

Set aside a reserve for repairs, a battery, a puncture, a fall or a breakdown. A small monthly amount is easier than a surprise bill.

Plan a yearly budget

  1. List the fixed costs, such as insurance and registration.
  2. Estimate the yearly distance and the fuel and tyre costs it implies.
  3. Add the service schedule from the manual.
  4. Add a reserve and a gear replacement amount.

Compare it with what you can comfortably spend. See insurance basics, the maintenance schedule and fuel-efficient riding.

A cheaper bike is not always the cheaper choice. Check its service history and the cost of parts before you buy.