Cheap Motorcycle Insurance

Motorcycle Insurance

It is a well known fact that motorcycle riders have a much higher chance of being involved in an accident on the road than car drivers. Motorcycle riders also tend to be much more physically exposed to the road and other vehicles, so these accidents can have significantly more serious implications. These figures are certainly not helped by the overwhelming number of drivers on the roads who do not take the right precautionary measures to drive safely around motorcycles in traffic. So despite the necessary expense of insurance, it is for our protection and with the right research and information it is possible to get a great deal on the product that is right for you.

The following are some tips on how to find the best value insurance policy for your needs. Firstly, shop around. It sounds simple, but it may require you to invest some time in checking out the best brokers. To save some time, always record the research you have done. This way you can easily refer back to it without having to search again. Also, remember to capitalise on the strength of your bargaining power, be a hard negotiator! It is worth checking to see if the manufacturer of your motorcycle is running any special insurance as these are nearly always good value. Insurers will often look at the mileage you do in order to calculate you premium. If there is a price band limit at 5000 miles per year, and you normally do just over that, you might want to think about reducing your miles to fall under and reduce you premium. Try to avoid getting any points on your licence and aim to build a no claims bonus as soon as possible. Insures will often offer discounted premiums if your motorcycle is stored in a secure place using approved locks and alarm combinations, so research what you individual insurer’s specifications are to get the best deal. To provide evidence that you are less of a liability than a standard rider, you might want to complete the advanced riders training programme or a motorcycle safety course. Lastly, bear in mind that insures may offer a reduction in coverage if your bike is off the road during the winter months.