How to get cheap motorbike insurance?

Getting cheap motorbike insurance doesn’t have to be complicated. The rise of price comparison sites has made it easier to find the best deals tailored to your needs, potentially saving you hundreds of pounds. If you’re wondering how to get cheap scooter or motorcycle insurance, here are some practical tips to lower your premiums and make the most out of your insurance.

Tips for Lowering Motorbike Insurance Costs

1. Choose the Right Level of Cover

There are three main levels of motorbike insurance cover:

  • Third Party Only: The most basic and cheapest option, covering damage to others but not your own vehicle.
  • Third Party, Fire and Theft: Offers additional protection against theft and fire damage.
  • Fully Comprehensive: Covers both your bike and third-party damage, but is the most expensive.

Selecting the right level of cover based on your needs can help you save money. For example, if your bike has a lower value, a Third Party or Third Party, Fire and Theft policy might be sufficient.

2. Increase Your Voluntary Excess

Choosing a higher voluntary excess can lower your premiums. The excess is the amount you pay out of pocket for a claim. Insurers reward higher excess amounts with reduced premiums, but make sure it’s an amount you can afford if you need to make a claim.

3. Limit Your Annual Mileage

The fewer miles you ride, the lower your risk of an accident, which can translate to cheaper insurance. Be honest about your mileage when applying for a policy and try to keep your mileage as low as possible to benefit from reduced premiums.

4. Invest in Security Devices

Enhancing your bike’s security can help reduce premiums. Consider:

  • Using a ground anchor or heavy-duty lock.
  • Installing an alarm or immobiliser.
  • Parking in a secure garage or off-road location. Some insurers offer discounts for security measures, so ensure you declare these when applying.

5. Select a Smaller Engine

Engine size significantly impacts insurance costs. A 50cc scooter is cheaper to insure than a 125cc motorbike because it is less powerful and carries a lower risk of high-speed accidents. Opt for a smaller engine to save on premiums.

6. Choose Social Use Only

If you’re using your motorbike purely for social purposes, such as visiting friends or running errands, this will cost less than using it for commuting or business purposes. Ensure you select the correct usage category to avoid unnecessary costs.

7. Take Advanced Rider Training

Completing advanced training courses such as an Enhanced Rider Scheme can show insurers you’re a safe rider. This can result in discounts on your policy, especially if you’re a younger or less experienced rider.

Factors Affecting Insurance Costs

Several factors influence your motorbike insurance premiums, including:

  • Age: Younger riders under 25 typically pay higher premiums due to their lack of experience.
  • Location: Urban areas with higher traffic and crime rates lead to more expensive insurance.
  • Bike Modifications: Customising your bike can increase premiums, as it raises repair costs and theft risk.
  • Claims History: A clean claims history can earn you a no-claims discount, significantly reducing your premium.

Finding the Cheapest Insurance for Your Motorbike

Finding the cheapest motorbike insurance can feel overwhelming with so many providers offering different benefits. Comparison sites simplify the process by sourcing quotes tailored to your needs. At the website, the hard work is done for you—saving you time and money. With access to a wide network of insurers, you can compare the best options and choose a policy that fits your budget and requirements.

Get Your Cheap Motorbike Insurance Today

Whether you’re a new rider or an experienced motorcyclist, finding cheap motorbike insurance is easy with the right approach. Start by comparing quotes, adjusting your coverage level, and implementing cost-saving measures like security features and limited mileage.

Fill out an online form today to get free, no-obligation quotes and discover the best deals for your motorbike insurance. It’s fast and hassle-free

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