you paying too much for your motorbike insurance?
The answer is
probably YES! The best advice we can give is to shop around as
motorcycle insurance offers are many and varied.
not assume that a renewal premium is the best available. For
example, my insurance renewal came through and it was only a little
more than last year but I checked on Confused.com and found offers
around £30.00 less, so I contacted my broker to ask if they would
price match. I was told they didn't price match (they had before)
but would get me a new quote. The new quote was about £60.00 less
than the renewal quote and better than any other price on offer!
quote I received in early March 2015 for my JAWA Classic/Swift
sidecar outfit covered liability for the outfit but DID NOT cover
the sidecar in the event of a damage/theft claim
other one, I checked the specialist advertisers and the first quote
was about £140.00 for an agreed value of £4000.00 and 5000 miles a
year. Second quote was £240.00 and then I tried Carole Nash who gave
me all I wanted plus free European Assistance for below £100.00.
can often reduce your motorcycle insurance premium by having a
larger excess (the amount you pay in the event of a claim). You can
also get reductions by limiting the period of cover if you ride only
in the summer months.
take your motorcycle abroad it is always best to get European
Breakdown Assistance as part of your package as it can be impossible
to get separate cover for a bike over 10 years old. If you plan to
buy a motorcycle abroad you can get 14 days cover from Carole Nash
to allow you to drive it home. A friend recently bought a 2CV van in
France and this was the only insurer to offer this type of cover.
Be sure of your needs and donít be afraid to go back to an insurer
to ask for a better deal. Some policies even cover motorbikes when
in pieces during restoration.
forget to admit to any points or convictions as a small lapse of
memory might get you a better price but could invalidate your
motorcycle insurance cover.
agreed value policies you have to submit a series of photos and a
full condition report. It is also worth ensuring you can buy the
wreck should the motorbike be written off.
NOT exceed your mileage limit.
you modify your motorcycle in any way you need to advise your
insurer. That might be the fitting of a different carb or even a
rack and hard luggage.
Finally you might want to ask for a price to protect your No Claims
Bonus. Some insurers include this in the price, some give you a free
year after 2 years. Just check out the deals that suit you.
By Pete Edwards
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10 October 2016 - Privacy
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