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Searching for motorbike insurance online can be a stressful and time consuming business. Worse still, you can spend hours sorting an insurance plan, only to find that you could have got it cheaper elsewhere! In the age of information overflow, it can be difficult to know where to start and what you are actually signing up for.
Fortunately, our site is here to keep things simple, while you make the choice when it comes to motorcycle insurance. We merely offer a small selection of bike insurers who may be able to find you cover at a price using the Quotezone comparison system. And because we are passionate about motorcycles we understand the importance of being insured on your bike quickly too.
Before you get started it is important to know what type of motorcycle cover you may need. With that in mind, here is a brief breakdown of types of motorbike cover.
Third Party Insurance is the minimum legally required to ride a motorcycle.
- It covers you for any damage caused by your bike against someone else or their property.
- More importantly, third party bike insurance covers your legal costs during any subsequent proceedings. – Legal costs are only covered if you purchase a legal policy, the insurance doesn't reimburse for any legal costs
- The drawback is that your own motorbike will not be covered by the third party motorcycle insurance policy. So if your bike is badly damaged, chances are you will need to buy a replacement bike outright, if you can afford it.
- Third party motorcycle insurance does offer the benefit of making available some of the lowest bike insurance premiums on the market.
Finding and comparing bike insurance quotes online, for those who want to save money, or simply riders who have gained a reputation as a high risk individual among some insurance firms.
- Comprehensive bike insurance aims to offer customers a complete service, although the more complete it is, the more expensive it is likely to be.
- Policies incorporate all of the coverage provided by third party fire and theft insurance but crucially provide cover for your motorbike in the event of an accident.
This policy covers all of the same scenarios as the third party insurance. However it also provides you with cover against any fire damage on the road or in your home, alongside cover from theft.
- For motorcyclists riding valuable bikes, but looking to find a reduction in their insurance premium price, compared with fully comprehensive cover.
- Last year alone around three million pounds of motorbikes were stolen in the UK, with an estimated 80 percent taken from outside the home.
- Comprehensive motorbike insurance aims to offer customers a complete service, although the more complete it is, the more expensive it is likely to be.
- Policies incorporate all of the coverage provided by third party fire and theft but crucially provide cover for your motorbike in the event of an accident.
Traditionally this is the most popular type of insurance policy for riders, the majority will take up this option because of the 'cover all bases' protection it provides. Because of this, companies have inevitably moved to introduce various additional services that can be added to your policy.
These can include motorbike repair in a garage or by the roadside in the event of a breakdown, legal expenses insurance to help recover any uninsured losses. With so many variations to choose from, comprehensive motorcycle cover could be for those who want that extra piece of mind.
You now know a bit more about the types of motorcycle insurance available for moped, motorbike and scooter riders. The information on motorcycleinsurance.org.uk do not constitute financial advice and are merely for informational purposes only, riders looking to get insurance on their bikes ought to treat these as such. So how do you go about choosing the policy that is right for you?
Consider the excess
In any accident, policy holders will have to pay an excess towards covering the claim. However, in some instances, you may be able to add a voluntary excess to your policy in return for a reduction on the yearly premium you have to pay. This is for the more careful motorbike riders and moped drivers though, as if you have to claim, you will be liable for both voluntary and compulsory excess payments
Look out for no claims discount
Motorcycle insurance companies are always looking to reward premium holders that are safe riders. Most companies now offer a 'no claims discount' which allows riders to save money on their yearly premiums. These days, the majority of bike insurance companies will offer this. If they do not, keep looking.
Watch out for modifications
We understand that motorbike enthusiasts will often modify their bikes over the years, but be careful! Always read the small print of any motor insurance policy, or query the issue of modifications with your insurer to avoid finding your policy has become null and void. Usually motorbike insurers will be fine with modifications to your bike if they are told beforehand, they may adjust the premium but it will be worth it compared to a voided insurance policy. This is a common problem with moped insurance policies, as riders often look to modify their exhausts and engines to get more speed and power out of them.
Simple extras may save you money:
- Motorcyclists may save money on their premium in a number of simple ways. Some driving schools offer motorbike safety qualifications, which once gained, can save you money on insurance premiums every year!
- Installing an alarm system or immobiliser may see an initial outlay, but could also end up saving you money on yearly insurance premiums.
- Think about how much you ride your bike - Some insurance providers will offer a discount on your policy if you ride less than 3,000 miles a year.
- Some scooter insurance policies can also offer decent discounts to low mileage drivers.
- Think about where you store your motorbike - on the driveway, garaged, or on the street. Also, living in the quiet countryside or a busy urban environment can often be the difference between paying a significant amount more toward your premium.
- Storing your motorbike or scooter in a garage can help to reduce any potential premiums as well.
Don't dismiss optional extras
Bike insurers may offer a range of extras that can appear surplus to requirement, but they are offered for a reason. Whether personal accident or simply breakdown cover, they may cost more but chances are they will be worth it.
Are you a wanderer?
There is nothing better than hitting the open road on a motorbike. However, it is always important to check you are covered for any eventuality. Some insurers include up to 90 days European cover as standard. Despite this, you should always check your policy to ensure you are covered for what you need.
One thing you can't change simply is your sex and something you can never change is your age. Insurance companies, like car insurers, will always favour more experienced riders.
Honesty is the best policy
Lying to an insurance company to get a lower premium for your motorbike might seem like an easy way to save money, but it is not going to wash. Insurance companies are unlikely to fall for such basic tricks and if caught you could have your policy voided for 'non-disclosure' meaning no bike insurance and no motorbike riding. While getting quotes and comparing them, you might find the 'perfect policy', it might provide everything you need in a policy. It's important to keep exactly what you're looking for in mind when trying to arrange motorcycle cover.
Specialist providers will know your bike and the specific insurance considerations of your model, helping you to make the best and most informed choice. Factoring in all of these considerations into your choice is crucial to get the best deal for you.
The market has never been tougher for finding the best insurance. In 2010, the AA reported an 11 percent increase in insurance prices for the second quarter of the year. It was the biggest increase in 16 years.
With insurance prices showing no sign of slowing down, it is crucial that you can go to the right people to find the right price and the right insurance policy to suit your needs.