Motorcycle Insurance
Top 5 Tips to reduce your Motorcycle Insurance premium
1. No Claims Bonus - The best way to bring down your insurance premium is to keep you nose clean and earn some ‘No Claims Bonus’, even if it means a year or two on a lower cc motorcycle. Two years ‘No Claims Bonus’ may make the dream of a top sports motorcycle possible.
2. Security - Use an insurance approved lock and alarm combination. Alarms are useful, but more and more thieves are stealing motorcycles by lifting them into a van. Attaching your motorcycle to an immobile object with an insurance approved lock will deter most thieves.
3. Limit Mileage - If you ride under 5000 miles a year, some insurers will give extra discounts, however if you ride over this, be pre-pared to pay the difference or have your claim kicked out!
4. Voluntary excess - Having extra excess on your policy can save you money off your insurance, but beware; it’ll cost you if you claim.
5. Shop around - Different brokers have different deals for different riders, some brokers give extra discounts on-line. Check out magazines and ask friends.
What to watch out for when buying motorcycle Insurance
Ask how much excess is on the policy; don’t get a nasty surprise at claim time.
- Are legal expenses (you’ll need it if you have an accident, so make sure it’s included at the start) included in the price? Don’t get stung for an extra charge on top of your insurance.
- A cheaper policy can equal low coverage with lots of policy restriction. Ask what garaging; mileage and security restrictions are on the policy.
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