How to find cheap insurance for motor bikes

Some bikers spend huge amounts of time searching around, trying to obtain ever cheaper cover for their machines.

Understandable as that is, your approach might need a little tweaking if it is to yield results – and here are a few thoughts that might help:

  1. continue shopping around.  Nothing in the above is meant to suggest that you should stop making efforts to compare policies and prices.  However, try to keep in mind that what might be cheap for someone else may prove to be the opposite for you if it doesn’t cover you in the event you need to make a claim.  So, try to compare the cover on offer at the same time as you are looking at the prices – start thinking cost-effective rather than simply cheapest;
  2. check out insurance providers who offer specialist categories of cover.  These exist for things such as convicted bikers, female bike riders or scooter and moped riders etc.  You can also pick up things such as classic bike or cheap multi bike insurance quotes.  If you come into one of these specialist categories, a tailored policy might enable you to save money;
  3. judge the cost of a policy not just by its ticket price but also what opportunities it offers you for discounts.  For example, some policies might offer you substantial discounts if you simply garage your machine overnight rather than leave it standing around on the public road.  If you are able to take advantage of these discounts, you may find yourself saving interesting chunks of money;
  4. critically examine how you ride your bike.  If you are currently trying to include other riders on the policy who have motoring convictions or who are relatively young and inexperienced, they may be responsible for sending your premiums soaring upwards. Other examples of how your personal use may affect your premium include very high annual mileages or riding huge and super-powerful machines of a type that traditionally frighten insurance providers;
  5. think about increasing your excess.  The excess on your policy is the amount of cash that your insurance provider will expect you to contribute towards the cost of any future claims.  Typically, if you opt to take a higher voluntary excess then you may be able to obtain some quite interesting discounts on your premium – though the exact amounts may vary from one provider to another.

All things being equal, a little effort invested in some of the above areas may change your insurance bill quite considerably.

This is something that it is worth taking seriously.