Best Bike Insurance Tips
Best Bike Insurance Tips
Would you like to pay less for your bike insurance? Perhaps, you have just bought a Harley or Ducati and need insurance to protect your new motorbike. The below top 10 bike insurance tips will point you in the right direction and hopefully help you save some money.
1. Do not be penalized for loyalty. Even if your bike insurance provider has given you a discount you may still be paying too much. You should always compare bike insurance quotes when your policy is up for renewal
2. Advanced motorbike riding courses by Bikesafe can help you save on your insurance and stay safe on the road. They are available across England and Wales and cost as little as 40
3. Most people know that adding performance modifications to a bike can increase the cost of cover. This is especially true if you own an already powerful motorbike such as a Ducati. However, even cosmetic modifications which dramatically increase a bikes value can affect the price of your cover. Before you make any changes contact your insurance provider and find out how much extra you will have to pay
4. The more expensive and powerful the bike the higher the cost of insurance. If you are a new rider or a returning motorbike enthusiast you can buy a motorbike which is less powerful and older. The benefit of this is your cover will be cheaper and you can give yourself time to build up some consistent bike riding experience and no claims. By doing this you can purchase cheaper insurance when you do want to upgrade
5. Fully comprehensive cover is usually more expensive than third party. If you do own a motorbike which is low in value, you may want to consider buying third party insurance. However this will mean reducing the amount of cover which could lead to serious repercussions if you have an accident
6. Optional insurance extras such as legal cover, courtesy cars and breakdown cover are useful if you can afford them. If you want to instantly reduce the cost of your cover you do not have to purchase them
7. Installing approved alarms and immobilizers from companies like Thatcham can reduce the cost of your cover by as much as 10%
8. If you only use your bike occasionally and your annual mileage is below 3,000 miles you can obtain far cheaper insurance than someone who uses their bike for work purposes. Make sure you consider how much you intend on riding your bike and be as accurate as you can when obtaining a bike insurance quote
9. Where you keep your bike at night can have affect on the price of your cover, if you have a garage or a back garden make sure you notify your insurance provider
10. Obtaining bike insurance quotes from specialist providers can mean you pay less. Nowadays you can save time and money by comparing bike insurance quotes online
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