Cheap Bike Insurance
If you want to find cheap bike insurance there are a number of tips you can use to help reduce your premiums without sacrificing cover. It does not matter if you own a Ducati 1198, Honda Goldwing or Harley Davidson motorbike there are precautions you can take to obtain cheaper biker insurance.
Most of the top insurers will give you a discount if you cap your annual mileage. This is because your insurance provider will see it as less risky to insure your bike. If however you like to take long rides on your BMW or Honda tourer you may see it as a small price to pay to enjoy the open road.
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In the UK if you can fit an alarm, immobiliser or keep your bike in a garage it is possible to greatly reduce the cost of your policy. The benefits of doing this are clear; additional pre-cautions against theft and damage can help reduce the chance you will need to make a claim and consequently reduce your premium.
Similar to car insurance older bikers tend to receive cheaper motorbike insurance. This is because they make fewer claims and cost insurance companies less. Obviously this is out of your control. But if you are under 25 you may want to opt for a less powerful bike and hold off buying your first Yamaha or Aprilia racer until you build up your no claims history.
Often insurance cover for classic bikes such as Triumphs, Vespas and old Piaggio scooters can be surprisingly expensive. In this instance it pays to use providers who also specialise in classic bike insurance like Swinton Bikes or ebike insurance. These companies often offer better rates than other companies who perhaps have less experience in this area of cover.
You can also obtain cheap bike insurance by simply not claiming. The more years you don’t claim the less risky you are perceived to be. Also don’t be afraid to test the market. You can save hundreds by shopping around when your insurance is up for renewal. However, this does not mean you have to trawl the net looking for the best cover for your new tourer, scooter or super motorbike you can simply fill out our Buyability bike insurance form to receive the best quotes from all the top insurers, it’s as simple as that.
As well as the above tips there are a number of less obvious ways in which you can reduce the cost of cover. These include taking an advanced bike riding course by Bikesafe, which in some cases can actually reduce the cost of cover by 10%. You can also add a voluntary excess to your policy which can also reduce the amount you have to pay.
Guest Article by Carlan Li
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My name is Alan Potts and I'm the Editor of the BUYability web site and Managing Director of BUYability Limited. You can connect with me or keep up to date with new posts on this blog via the following social media sites: 
