Motorcycle Insurance Online Quote
MOTORCYCLE INSURANCE ONLINE QUOTES ARE CHEAPER - FACT! It is also easier to compare your insurance quotes this way, it is less time consuming and best of all when you submit an insurance quote you are under no obligation to follow it up, so don't be shy to fill out as many motorcycle insurance online quotes as you feel that you need to shop around sufficiently.
The sections below are all you need to walk away from this experience confident that you are well protected with a few extra coins in your pocket to spend on that new pair of gloves or magazine subscription that you were after!
- Where to find a reliable motorcycle insurance online quote
- How your motorcycle insurance quote is calculated?
- Questions you should be asking when you compare policies
Where to Buy Reliable UK Motorcycle Insurance
| UK Motorcycle Insurance Online Quotes | |||
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Motorinsurance.co.uk | These guys find quotes from over 30 insurers with 100's of individual policies to choose from, so your chances of finding the right deal are really good. Furthermore, they offer special introductory bonus's with up to 60% savings on insurance | |
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Bennetts Insurance | Bennetts are proven to have consistently low prices in the UK by online research done in 2006. The policies have many advantages such as 15% discounts on security savings, up to 30% discounts for female bikers, savings for bikes over 3 years old, and lower prices for the over 25's. Finally Bennetts have a multibike policy for owners of 2 or more bikes. | |
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The Bike Insurer | The Bike Insurer is the UK's only motorbike insurance comparison website- see the quotes from many leading motorbike insurance brokers including Hastings, H + R, MotorCycle Direct, AQuote, Devitt and loads more and let them find the best deals for you. They offer pay as you go insurance and laid up cover as well! | |
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QuoteLineDirect.co.uk | A recent survey (Jan 2006) has found that QuoteLine Direct could save you up to 30% because they have an online quote system which searches hundreds of policies and they have a team of consultants tailoring each quote to your specific needs. For example they will look at your riding experience and security precautions to try to lower your premium, so check them out now! | |
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eBike Insurance | You can manage your entire policy online, so no phone calls and waiting! There are also additional bonuses. Earn 1 years no claims discount for 8 months claims-free cover. This means that you can earn 5 years NCD in just 40 claim-free months! Once you have 5 years NCD, your NCD is guarenteed for life. Furthermore, breakdown and legal expenses are included and finally you can save £20 on Michelin Tyres when you take out an e-Bike policy | |
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Swinton Insurance | All you need to do is to fill in your contact details online and these guys contact you. They have a very wide range of policies available and most policies offer cover for foreign use free of charge for at least 30 days in all EU countries. Finally, all policies cover all permanently attached accessories and there are generous NCD and introductory bonuses | |
| MotorQuote Direct | They are an intermediary that provides excellent cover at an affordable price. After entering your details they will show you the top three most competitive policies from their extensive panel of insurers. You can benefit from instant quotations and instant cover | ||
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The AA | Up to 70% no-claims discount, additional riders could earn no-claims discount, reduced rates for scooters up to 30 days' motorcycle insurance cover across EU countries | |
How your Motorcycle Insurance Online Quote is Calculated?
Your Age:
As is the case with auto insurance, the older you are, the cheaper your rates. Young riders should check out my section on motorcycle insurance for young riders
Your Experience:
If you are new to operating motorcycles you will probably be in a higher rate category until you gain some riding experience. I do have some motorcycle insurance tips to overcome this when applying online for a motorcycle insurance quote.
The Type of Motorcycle:
The older basic motorcycles are cheaper, and the more performance enhanced your motorcycle is, the more expensive it becomes to insure it. A motorcycle’s parts will also affect the cost of your cover as for example, a 500 cc will be cheaper to insure than a 500 cc sport bike as sport bikes often have fairings that can make them expensive to repair in a crash or accident.
Your Location:
If you live in a high crime or high accident area, your rates will be higher than someone in an area with less crime and accidents who is applying for a motorcycle insurance online quote.
You Garage Facilities:
You will be expected to pay a high premium if you cannot store your motorcycle in a garage.
Your Driving Record:
This includes your record in any vehicle so even if you are a new rider the accidents you had in your automobile will count against you. It goes without saying that the cleaner your driving record, the cheaper your insurance will be.
Your Route:
Where you are driving to, the areas you are driving through and where you have to park your motorcycle at work will influence your rate.
Brand of Motorcycle:
The make of your motorcycle is not such a big factor, but it is taken into consideration and this will depend on your brands safety reputation and record when you are making an application for a motorcycle insurance online quote.
Your Driving Experience:
The longer you have been riding the cheaper your motorcycle insurance online quote.
Weekly Mileage:
If the motorcycle is your main mode of transportation, expect a higher rate.
NOTE: When you apply for your motorcycle insurance online quote, you should receive two documents from the insurance company: the certificate of insurance and your policy document.
Motorcycle Insurance - Questions that you should be asking:
- How much excess is on the policy?
- Are legal expenses (you'll need it if you have an accident) included in the cover?
- Are there any garaging, security or mileage restrictions on the motorcycle insurance online quote?
One last thing - have a look at my tips for motorcycle insurance online quotes! You'll find loads of advice on keeping your premium as low as possible!