With recent news suggesting the number of people riding motorbikes without insurance is increasing, coupled with the fact that bikers are roughly 30% more likely to be involved in a crash than a car driver, it has never been more important to ensure you are covered properly when you start riding.
So what do you need to look out for to get the best insurance quotes around? Firstly, it’s highly important to shop around. Make sure you check with lots of different motorcycle insurance providers – while many mainstream insurers will offer full cover on a 125cc bike for as much as 1500 pounds, a specialist motorcycle insurer could go as low as 300 pounds for a learner motorcyclist.
How do these insurers come to these insurance quotes? As with pretty much any type of insurance quotes, the insurer needs detailed information about the rider and the bike so they can get a better idea of your chances of needing to make a claim against them. The higher the chance of a claim, the higher your insurance quote will be.
Regarding personal details, a motorcycle insurer will typically require you to give the usual details such as your age, riding experience and where you live. This is so they can judge how likely you’re going to have an accident, or if you’re in an area susceptible to high levels of theft. It’s also worth noting that an older rider, even if they are a learner, will probably get a lower quote than a learner motorcyclist still in their teens.
With the bike, you will need to declare the type of bike it is and any modifications made. If you were to be involved in a collision and you’re insurer finds you’re riding a different bike to that declared, or if it has modifications that haven’t been noted, there is a good chance that the insurer won’t pay up. Some providers may also require you declare what the motorbike will be mainly used for (i.e. for work or just leisure / commuting) and whether it will be stored in a garage or out in the street.
With all your details straightened out, your next step is to work out what level of motorcycle insurance best suits your needs. There are three levels of motorcycle cover – third party; third party, fire and theft; and fully comprehensive.
The lowest level of cover, third party, is the minimum legal requirement of any vehicle on UK roads. It basically covers any damages to other vehicles if you are found to be responsible for an accident. It doesn’t cover damages to your motorcycle.
Third part fire and theft, or TPFT for short, covers the same as above plus the risk of damage caused by fire and your bike being stolen.
Fully comprehensive cover, typically the most expensive level of insurance, as the name suggests covers everything above, plus any damages incurred to your own motorbike. It’s recommended in most cases that fully comprehensive insurance is the best to go for, as it will cover you in all eventualities – sod’s law says something will usually happen if you’re not fully covered!
So, now you’re equipped with all the information you need, it’s time to get out there and search as many motorcycle insurance providers as you can to find the best deal for you!
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