subject: Applying Online For Motorcycle Insurance [print this page] Many people rush out and buy a motorcycle without even thinking about the insurance side of things, and then once they've handed over their money, they realise they simply cannot afford to insure their new bike.
This leaves them with two options. They either sell it, or else they ride it without any insurance. The latter is certainly not advisable considering that driving without insurance is quite a serious offence in the UK. It's better to have a small second-hand bike which you can ride, than it is to have a beast parked in the garage which is of no use to you.
If you're under the age of 25, or if you've never owned a motorcycle before, then you really should consider getting a smallish second-hand bike at first. If you trash a 400cc which is already a few years old, your insurance company is not going to suffer any huge loss, but if you were to trash a brand new 1300cc animal, it's going to cost your insurance company a pretty penny, and obviously this is something they would rather avoid, hence the reason why you can expect to pay through your nose for motorcycle insurance.
Well, you're more than likely starting to have doubts about this whole motorcycle affair, but the truth is, there are things you can do in order to qualify for cheap motorcycle insurance.
As already mentioned, unless you have the relevant experience, and you're over the age of 25, stay away from those deadly top-end machines. The next thing you need to do is make sure your bike is really difficult to steal. In other words, you need to keep it stored in a secure area when you're not using it. It should also have an alarm fitted, and if your budget allows it, get a GPS tracking device installed as well.
You also shouldn't be tempted to add on too many accessories. Not only do they make your bike more appealing to thieves, but it also means the insurance company will have to pay more if the bike gets stolen or written off in an accident.
Depending on where about in the country you live, the chances are you'll only be using your bike for a few months each year, and in that case you should consider limited mileage cover. This is definitely one of the best ways to make sure you keep your premiums down, so it really is worth looking into.
Finally, you may want to consider having the excess amount raised. This is amount you'll be expected to pay towards any claim you make. In other words, if your excess is set at 300 pounds, you'd be responsible for paying the first three hundred pounds of any claim. Also, if your motorcycle got stolen, the insurance would reimburse you the value of the bike, less the excess amount. The higher your excess amount, the lower your premiums will be.
The days of affordable cover being non-existent are long gone, so providing you're willing to shop around and do a little research before purchasing your motorcycle insurance, insuring your bike need not cost you a fortune any more.
by: Tom Jones
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