Are you looking for Harley or Ducati bike insurance? Perhaps you own a Piaggio scooter and need to find the best and cheapest bike insurance possible. Whichever motorbike you own the below top bike insurance tips will hopefully help you find the best deal and reduce your premiums.

Cheapest Bike Insurance Cover

1. Many bike insurance providers offer optional extras such as legal expenses, breakdown cover and a courtesy car, which is useful if you have a crash. You could opt out of purchasing these optional extras to keep your premiums down. But you should first carefully consider the consequences before making your decision.

2. It’s common knowledge that adding performance enhancing modifications to a bike can dramatically increase the cost of bike insurance, especially if you own an already powerful bike like a Ducati 1198 or a Yamaha YZF R1. However, it is also important to know that any modifications even if they are cosmetic can considerably increase the cost of cover. If your bike does have any modifications always inform your insurance provider. This will ensure your bike is fully covered and reduce the risk that any claims will be made invalid due to non-disclosure.

3. Many people every year are literally throwing money away, why? Because they don’t bother to compare bike insurance quotes to get the best deal. Even though your insurance provider may have reduced your premiums this does not mean you are getting the best deal on the market. When your policy is up for renewal have a look around and get a few quotes. It doesn’t matter whether you are looking for Ducati bike insurance for an 1198 or cover for a second hand scooter, you can still save money.

4. When you first start riding it can be tempting to buy the most expensive and powerful bike you can afford. But in the beginning you can save lots of money if you purchase a older less powerful bike. Once you have a couple of year riding experience and no claims under your belt you can buy a more expensive machine.

5. If you do buy a cheaper bike which isn’t worth that much you could consider buying third party only bike insurance. Fully comprehensive insurance is often more expensive, so you could save by going for third party fire and theft. However this does mean reducing your cover.

6. Most bike insurers allow you to ride in the EU for up to 90 days every year. If you do intend on riding abroad you should discuss what precautions you can take in terms of security to keep your premiums low.

7. Ducati bike insurance is expensive and this is the case for many desirable makes and models. There are many approved alarms and immobilisers which can help reduce the cost of bike insurance. Thatcham is one alarm make which can help you to save 10%. It can be well worth the extra investment over the long term.

8. In some cases you can save a considerable amount on bike insurance if you ride less than 3,000 miles a year, particularly if it is only for social reasons. Before taking out bike insurance carefully consider how much you will use your bike, you could save quite a lot of cash.

9. If you have a garage or back garden make sure you inform your provider of where you intend on keeping it. Insurance providers base the amount you pay for your bike insurance on risk assessment the less risky you appear to be the less you pay. So any precautions you can take could help.

10. Depending on what type of bike you own whether it is a classic Harley Davidson motorbike or a brand new Ducati superbike using a specialist bike insurance provider can help you save. To compare UK bike insurance quotes from all the top providers use Buyability’s insurance comparison tool.

Guest Article by Carlan Li