Please note these definitions are for guidance only. For full definitions please refer to your policy document.
Top Tips to reduce your premium
No Claims Bonus – The best way to bring down your motorcycle insurance premium is to keep your nose clean and earn some ‘No Claims Bonus’, even if it means a year or two on a lower cc bike. Two years ‘No Claims Bonus’ may make the dream of a top sports bike possible.
Experience – Experienced riders can often benefit from special rates. This is often just as important as no claims bonus.
Security – Use an insurance approved lock and alarm combination. Alarms are useful, but more and more thieves are stealing bikes by lifting them into a van. Attaching your bike to an immobile object with an insurance approved lock will deter most thieves.
Limit Mileage – If you ride under 5000 miles a year, some insurers will give extra discounts, however if you ride over this the insurer may apply a loading charge.
Voluntary excess – Having extra excess on your policy can save you money off yourmotorcycle insurance, but beware; it’ll cost you if you claim.
What to watch out for
Ask how much excess is on the policy; don’t get a nasty surprise at claim time.
A cheaper policy can equal low cover with lots of policy restriction. Ask what garaging; mileage and security restrictions are on the policy.