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Motorcycle Insurance Tips
The following motorcycle insurance tips will really empower you in choosing the right quote for your motorcycle insurance.
- Don’t create the need for a claim. This is the most obvious of the motorcycle insurance tips but some very small
changes in your behaviour will seriously reduce your insurance premium in the future
- Be persistent and do your research. This way you will have a better understanding of what is really on offer, and you will be
in a better position to negotiate your motorcycle insurance.
*Bonus Motorcycle Insurance Tip* Don’t forget to record your research! - Shop online. The forms are less complicated and you get a quicker response
- Use automatic form fillers. Download the Google toolbar so that you can use their Autofill function. This make it easy to figure
out which motorcycle insurance quote is best by adjusting your details so that you can immediately see the effect on your premium of adding
riders, level of cover, type of alarm, etc
- Save your quotations and phone the insurance brokers first. This way you are in a better position to negotiate
- >Don’t lie. It’s simply not worth it
- Inform your insurance broker about any changes you make to your motorcycle. It is unlikely that normal modifications will result
in an increase in your motorcycle insurance. TIP: If you do not do this you could get your insurance policy cancelled or a claim rejected
- Be clear on EXACTLY what your policy restrictions are. It’s so easy to get caught by not knowing
exactly what they are.
*Bonus Motorcycle Insurance Tip* Make yourself a note to read your policy every six months - Check if your motorcycle insurance policy covers your gear. Some policies do, so it is worth the research
- If you use your motorcycle for commuting to work make sure this is included in the cover. Some insurers will include this in the Social,
Domestic and Pleasure cover while others do not
- If you carry a pillion make sure this is covered on the motorcycle insurance policy.
- Build and protect a no claims bonus as soon as possible. This is a given for all riders
- Be aware that the NCB isn't a No Accident Bonus. If you have a "fault free" incident you may keep your NCB, but your underlying premium
may go up as a result
- Think about running a second small capacity motorcycle to build up a second NCB. Let your insurance company know this as you can transfer
it to your main motorcycle if you have an accident
- Bundle together your motorcycle insurance, security and training budgets. You will build up additional NCB and if you are really lucky
you may even get a modest discount for insurance company approved security devices and training
- Take every security precaution that you can. Your premium is affected by how safely you can store your motorcycle, and the fine print is
especially important here in what is considered safe storage by the broker
- Only use an insurance approved lock and alarm combination. My mate paid insurance for five years and thought he would get paid out when his
motorcycle was stolen. What he did not realise however was that he had not been using an insurance approved alarm
- Attach your motorcycle to an immobile object. More and more motorcycles are being stolen by thieves lifting them into a van
- Keep your record clean.Tickets and points on your record will increase your premium and motorcycle insurance options
- Complete an advanced riders training programme. This will make your more attractive to the insurance broker and will provide you with more
flexibility
- Do a motorcycle safety course. This will also lower your premium
Motorcycle Insurance Tips - Questions 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 price?
- Are there any garaging, security or mileage restrictions on the motorcycle insurance online quote?
If you are interested in further reading, check out these additional motorcycle insurance tips
If there is only one motorcycle insurance tip that you remember, remember this: information is power - know your stuff!