Helpful Tips to Get a Lower Motorbike Insurance Quote

By Charlotte Wilson.

Insuring your motorbike can drain your finances but driving without adequate cover can hurt you even more in case your bike meets with an unfortunate accident. The key is to get the best insurance cover possible for your motorbike at the lowest possible premium. Here are a few helpful tips that can help you to receive lower quotes from several competing insurance providers.

The best way to ensure that you receive competitive quotes is to collect at least 5 to 6 quotes from different companies while informing them in advance that you will certainly be checking the rates of other competitors in the market. This will compel each insurer to put their best quote forward in order to get your business.

Another way to ensure financial as well as physical security is to fit an anti-theft alarm system preferably with an engine immobiliser and tracking system or hardened disc locks, chain locks or the newly introduced grip locks so as to protect your bike as well as get a decent discount in insurance quotes. You should ensure that you fit a Thatcham approved anti-theft system fitted in your motorbike so as to get peace of mind as well as a discount in your premiums.

If you are a young driver then you would have been flabbergasted by the high quotes that you might have received from all insurers. However, you can reduce the quotes to a certain extent by getting an ERS or Enhanced Rider Scheme certificate that can be yours once you successfully complete a riding programme from expert riders at the DSA or Driving Standards Agency or the RPMT or Register of Post Test Motorcycle Trainers.

Another simple tip is to pay for small repairs from your own pocket. Even if you do get into a minor collision then it would be better not to make any claim for compensation from your insuring company. This move will ensure that your no claim bonus or discount swells after each consecutive year. The best way to decide on whether to apply for a claim is to compare the amount of your accident repair quote against the amount of no claim bonus that you would forfeit if you make a claim.

Even while opting for comprehensive insurance cover you should make sure that you are not sweet-talked into insuring for optional extras that you need not insure at all. You should also compare different quotes based on the optional extras included in such quotes.

While you might have been sufficiently impressed by the lightning speed of Rossi, buying a premium sports bike simply to burn a little rubber on the road could end up burning a hole in your pocket in the form of higher premiums. If you mainly ride in the city then you should opt for a fuel-efficient motorbike with a smaller capacity engine to end up with a lower motorbike insurance quote.

The most important tip to ensure your own safety along with that of your bike and others around you is to ride safely. If you do get caught and convicted riding your motorcycle after drinking alcohol then you can expect a stiff hike in future premium rates while some insurers might simply refuse to insure your motorbike. A clean riding record will ensure physical as well as financial safety with increased discounts in each passing year.

Bike insurance premiums have jumped up quite a lot in the recent past. However, you should make sure that you end up with the best possible motorbike insurance quote by following these helpful tips on getting the widest cover at most competitive rates.