The sun is coming out, the rain is holding off and across the country, men and women are climbing into their leathers and onto their bikes – but how can they pay less for cover?
Being able to compare a wide range of policies can really bring down the price people pay for insurance and we’re pleased to reveal that moneysupermarket.com is now offering motorbike insurance comparison along with car insurance. That means Britain’s bikers compare providers and find the right cover at the best price.
By comparing car insurance on our channel, people save an average of £218 a year and now bikers should be able to make similar savings. Never assume your renewal quote will be the cheapest policy for you – it could cost you hundreds of pounds.
Chopping your chopper’s premiums
So how else can they bring down their motorbike insurance costs?
Secure your bike properly
There are some locks and chains that insurers have much more confidence in, so invest in one. Look for ‘Sold Secure’ or ‘Thatcham approved’ to win your insurer’s approval and cheaper premiums.
Likewise, keeping your bike tucked up in a garage or off the street at night will usually bring down your premiums – the safer it is, the less you’ll pay.
Cap your mileage
Is your bike your regular transport or a weekend treat? If you’re not covering many miles, make sure you give your insurer an accurate estimate. The fewer miles you do each year, the less you should pay for insurance.
Drive well
It can be tempting to speed on a motorbike but, before you take off like a bat outta hell, it’s worth considering whether or not you could afford higher premiums. A speeding ticket won’t just mean a fine, getting points added to your licence will mean your insurance costs rocket.
The same goes behind the wheel – drive carefully or risk paying more.
Think bike
If you haven’t bought your bike yet, don’t rush out and buy the flashiest hog you can find. Check you can afford the insurance before you buy the bike. Otherwise, all you’ll have is an expensive chrome garden ornament.
New bikers may want to start off on a smaller bike while they build up a no-claims discount.
Buy what you need
How much insurance do you really need? If your bike is old, decrepit and held together by rust, then maybe you only need third party, fire and theft cover, especially if your bike is just a toy and you don’t rely on it to get about.
Of course, having said that – when you’re comparing policies, it’s worth checking how much fully comprehensive cover will be. If it’s around the same price then you may as well go for the more extensive policy.
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