How to get cheap motorbike insurance?
The insurance market has become very competitive since price comparison sites were invented. These sites allow you to search for the cheapest deal based on your needs, and can end up saving you hundreds of pounds. But there are also things you can do to get lower premiums. If you’re wondering how to get cheap scooter or motorcycle insurance, try some of these tips.
When you buy a scooter or motorbike from Scoot Scoot, they compare the market for you to make sure you’re getting the best deal. They use the information you submit when buying the bike to find the cheapest premiums. Getting the right motorbike insurance can be confusing, so this is a great service for you if you’re new to everything.
There are many factors that effect the price of scooter insurance including age. We are sometimes asked how much is motorbike insurance for a 17 year old? As you can imaging the younger you are the more expensive your premium will be.
How can I get a cheaper quote
Aside from shopping around, there are several things you can do to get cheaper insurance:
- Choose the right level of cover. There are three main choices: Third Party only; Third Party, fire and theft; and Fully Comprehensive. Each level gives you greater options for claiming, but they increase in price too. Choosing a lower level of cover will save you money, but might mean you can’t claim for any damage caused to your bike or scooter.
- Pay a higher excess. When you set up an insurance policy you’ll be asked to choose an excess. This is the money you pay when your scooter needs repairing. Volunteering a higher excess will lead to cheaper premiums because the insurers don’t have to pay out as much money to repair your vehicle.
- Work out what you need the scooter for. The type of journeys you make will also affect your premium. Only using it for social journeys (going to the shops/seeing friends) will be cheaper than if you use it for riding to work.
- The size of the engine. More powerful engines cost more to insure. A 50cc scooter is cheaper to insure than a 125cc scooter or motorcycle because the vehicle is less powerful, and will cost less to repair.
- Buying security devices. Some insurers give you a discount for using security devices such as a lock, a ground anchor, or a dash cam. Make sure you declare any security devices when taking out the premium.
- Having a low annual mileage. The less you ride the scooter, the lower the risk of you crashing (theoretically). Insurers will give you a lower premium if you only plan to do short journeys, but make sure you stick to the mileage as much as possible. If you go over, your insurers might tell you to increase it the following year.
Finding the cheapest insurance
Finding the cheapest bike insurance for your needs can be a long and confusing process. There are so many different companies out there, and each offers different benefits. That’s why Scoot Scoot offers to do the hard work for you, and they make sure you’re getting the best deal on insurance for their scooters and bikes.