Motorcycle insurance and motorcycle security

How to pay less for your motorbike insurance

When it comes to paying for your motorbike insurance, you probably dread that renewal letter landing on your doormat. You open it up, sigh at the cost and grudgingly sign up for another year.

However, it doesn't have to be like this litreally is possible to find a cheaper motorbike insurance quote if you understand the basics when it comes to renew.

In this article from the motorbike insurance provider Bikesure you'll learn the basics of insurance and a few things you need to think about if you need a new policy.

Tip #1 - Your bike's mileage

In a nutshell, the less time you spend on theroad the less you will pay for your insurance. This is because you'll be less likely to make a claim, so when declaring how many miles you expect to do eachyear make sure you're as accurate as you can be. You could end up voiding your policy if you say you'll do 5,000 miles a year and it turns out you do 10,000!

Tip #2 - Your bike's security

 Security is key when it comes to paying lessfor your insurance too. First up, make sure all the motorbike security you buy has the Thatcham or Sold Secure logo, it may be a bit more expensive but can you put a price on peace of mind. For complete protection against theft (and the elements) your insurer will think highly of you if you invest in a Motorbike Shed. The more secure your bike, the less chance it will be stolen and the lower your premiums will be.

Tip #3 - Your bike

The faster your machine, the more you'll pay.It seems unfair to punish careful riders with higher premiums, but it's a sad fact that high-performance machines are more likely to be involved in a collision. If you don't want to pay through the nose for your insurance, then pick a bike which isn't a speed demon.

Tip #4 - Your biking experience

When you pass your test, you'll be keen to ripup those L plates and get out onto the open road. But before you even think about riding off into the sunset, taking an advanced riding course will help to keep your costs down. Passing this test will show you're an experienced, and most importantly safe rider. The safer you are on the road the less likely you'll be involved in a crash.

 Tip #5 - Your bike's cover

Finally, the price you will pay for your insurance also depends upon the level of cover you choose. Third Party Insurance is essentially the cheapest policy, but it won't cover any damage to your bike if you need to make a claim. Fully comprehensive is the more expensive and provides greater peace of mind  so weigh up your needs and your bank balance. Don't forget that you can add on certain extras, such as breakdown cover and personal accident and injury to your cover too.