Do’s and Don’ts of choosing motorbike insurance

Choosing bike insurance is like a voyage – in the same way that you create a new journey each time you ride your motorbike. Whether you are looking for a new insurance policy that is affordable for you or you want to find a motorcycle insurance policy for a specific bike, we have made a handy list of do’s and don’ts that will help you whenever you are in the market for motorbike insurance, there is probably lots of help at the financial ombudsman site also:

Do:

• Shop around for the best deal especially if you are choosing classic bike insurance. The idea of avoiding overpaying for a classic bike is bound to be on your mind so don’t overpay on insurance either. Use our service to find cheap classic motorbike insurance that will not break the bank.

• Ask your insurance provider about how much legal protection you will receive. Many providers can give you motorbike legal cover of up to £100,000.

• Find out the ins and outs of your no claims discount feature on your insurance policy. Does it included a protected no claims bonus? Look for the answers you need before you buy your next policy.

• Pay monthly if you can only afford to pay monthly – insurers are aware that many people live on strict budgets so you should not feel too squeezed with low premiums on a variety of motorbike models.

• Pay yearly if you want to have a discounted price off the insurance. Some insurers provide discounts that can sweeten the deal if you have just paid for your motorbike with a lump sum.

• Take female motorbike insurance if you are a woman. The numbers do not lie and statistics show that women tend to be safer riders than men when it comes to motorbikes, which adds lower insurance premiums onto the table.

Don’t:

• Think that insurance call centres are not based in the UK! Many insurance providers have UK based call centres that can answer all your queries without any issues.

• Insure only one motorbike if you have plenty of bikes in your portfolio. Insurers are now giving riders the chance to have multi-bike insurance policies under the same name which is guaranteed to give moneysaving returns to you.

• Be alarmed if your motorbike breaks down and you think insurance will give you a hard time. A typical feature of insurance cover is UK breakdown protection at the least. This will give you peace of mind as you explore the country with your bike.