Tips For Saving When You Purchase Motorcycle Insurance
Whether you just purchased a motorcycle or you have had one for years
, no doubt you're aware that you must have insurance in order to legally drive on UK roads. One thing that may concern you is the rise in the prices of this type of insurance.With today's economy, no one has to pay more for their insurance than they have to for insurance on a motorcycle. If you're ready to start saving money, here are some useful tips that will help you to save even more when you purchase your insurance.
Avoid any bike damage or theft:
When you want to save on your motorcycle insurance, make sure that you avoid any bike damage or theft for a good deal. Bikes can get stolen and they are actually more likely to be stolen than cars are. For this reason, prices on this type of insurance can be higher. However, if you want to save money, simply putting your bike in the garage can really reduce your rates. If you do not have a garage, at least keeping it on private property can help you to save and adding on security devices can also keep your bike safer and decrease the rates that you pay.
Consider insuring multiple bikes:
Another way to work on saving money is to consider insuring multiple bikes. If you happen to have more than one bike, you should consider talking to your insurance company and let them know that you have more than one motorcycle that you want to insure. More than likely they will be able to offer you a discounted rate when you insure multiple bikes.
Choose the right cover:
Choosing the right cover can also help you to save on the motorcycle insurance you want. There are three options available for your bike. There is fully comprehensive cover, third party fire and theft and then you can go with third party only. The cheapest option is going to be third party online, which is the legal minimum that you must have. However, if you have a bike that is of high value, it is worth your while to go with a higher amount of cover. While it will cost a bit more now, in the end it will save you a lot of money if you have to make a claim.
Pleasure riding discount:
Do you ride your motorcycle for pleasure? If so, you may be able to get a pleasure riding discount. If you don't use your bike as the main mode of your transportation, then you have a lower risk. If you drive your car most of the time and only ride the motorcycle for pleasure, this can save you a lot of money on your insurance. Let the company know so you can get these savings.
Pay on an annual basis:
If at all possible, pay on an annual basis for the motorcycle insurance. This can also be a way that you can save. Paying in a lump sum is a great option and you won't have to pay interest on the amount you owe like you would if you pay on a monthly basis. So, if you have the money, you'll save quite a bit of money by paying for the entire year at one time.
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