#cheap bike insurance
Cheap Motorcycle Insurance
How you could save money on your motorbike insurance
Whether you ride a moped or scooter to get around town, or are a serious motorcycle enthusiast, it’s worth thinking about ways you could reduce the cost of your motorcycle insurance.
Get a full motorcycle licence
If you’re a young or new rider and you’ve just done your Compulsory Basic Training (CBT) you’re probably keen to get out on the road, but if you want to save on insurance for your motorbike it’s worth attending a course with a Driving Standards Agency (DSA) approved instructor and preparing to pass your test. Once you have a full licence you are likely to see a reduction in your motorcycle insurance premium.
If you’re over 21 and have a full motorcycle licence you have the option of taking an advanced motorcycle test. Tests are offered by organisations like the Institute of Advanced Motoring (IAM) and the Royal Society for the Prevention of Accidents (RoSPA).
The Institute of Advanced Motoring’s Advanced Motorcycling Test examines your ability to ride your motorcycle safely at speed and in a variety of situations, like riding on motorways, country lanes and in city traffic. Insurers and brokers may offer you a discount on your premium if you’ve passed this, or a similar, recognised, motorbike test.
Whether you’ve passed your test or are riding with L plates it pays to think about how you ride. If you ride safely by following the Highway Code you are likely to reduce your chances of being involved in an accident, and could improve your chances of earning a no-claims discount when you come to renew your motorbike insurance.
It’s worth mentioning that staying within the speed limit will not only help you to stay on the right side of the law it should also help you to keep the cost of your insurance premium down. A speeding conviction is likely to mean higher insurance costs.
Making sure your motorbike is secure may help you to reduce the cost of your cover. Before you fit a security device, check that it is approved by your insurer. Fitting an unapproved device could mean that your insurance policy is not valid if your motorcycle is stolen.
Where you keep your bike at night will have a bearing on your insurance premium. Insurers will ask you about this when you ask them for a quote. If you are able keep your motorcycle in a locked garage this may earn you a lower premium.
Comparing motorcycle insurance quotes
When you compare motorcycle insurance quotes it’s important to compare like with like. If you’re looking at quotes with similar prices make sure you compare the excesses that apply to each policy.
It’s also important to look at the benefits or options a policy offers. Think about what you need cover for. If you decide you need cover for injuries you may suffer in a bike accident look for a policy offering personal accident cover. If you’re interested in taking your bike on a tour of Europe, look for a policy which extends cover to the EU for the period you need.
If you’re looking for motorcycle insurance you could find the cover you need with the AA.