Motorcycle Insurance
Here are our top tips for getting a good deal.
Shop around & Compare prices
the more companies you try, the better chance you have, that they’ll beat you best offer. When quoting your best deal, reduce it by 5 - 10% to see if it can be matched. Don't necessarily opt for the cheapest motorcycle insurance, but compare like for like (e.g. does it include legal cover, road side assistance European travel etc.)
Security
Ask yourself what can you do to secure your bike, is it alarmed, data tagged, locked in a garage or secured to a ground anchor? All this may help reduce the quote. Remember, different insurers have different views of specific security devices.
Value
Don't over insure, you'll only get the market value of your bike no matter what you insure it for. Ask yourself if you can afford to loose your investment, if so, you could save by opting for 3rd party, fire and theft cover. However, if you go for third party make sure you get legal cover to help you recover any uninsured losses. Limited mileage or solo only - If you keep your annual motorcycling mileage low or are prepared not to carry pillion passengers, this may reduce your premium with some insurers. Membership and Training - If you have had advanced training, like IAM or RoSPA, then you may be able to get a motorcycle insurance discount. Also some motorcycle organisations have negotiated discounts for members, so it worth checking before you accept a quote.
Limited mileage or solo only
If you keep your annual mileage low or are prepared not to carry pillion passengers, this can reduce your premium.
Membership and Training - If you have had advanced training, like IAM or RoSPA, then you may be able to get a discount. Also some motorcycle organisations have negotiated discounts for members, so it worth checking before you accept a quote.
Be Honest! - It is an offence if you lie, in order to obtain a cheaper quote and in any case they won't pay out if you make a claim. Insurance companies won't check your details too much, when you take the cover out, but will if you claim.
