Who has the cheapest motorcycle insurance?

Insurance is a necessary part of having any vehicle on the road. It protects you from having to pay out if you have an accident, and you can purchase add-ons to cover you for things like injury and personal belongings. The motorcycle insurance market has become more competitive since price comparison websites were introduced, and people now regularly switch providers in search of the best deal.

Who has the cheapest motorcycle insurance?

There isn’t a set answer to which company provides cheap motorcycle insurance, as it will depend on many rating factors, such as your age, the power of your scooter, and your location. Luckily, Scoot Scoot offers a service that compares insurance providers to help you find the best deal. They use the information you give when buying the scooter and do all of the hard work for you.

There are three different levels of cover you can buy, which are:

  • Third party only, which covers damage to other people’s vehicles, and third party injury.
  • Third party, fire and theft. This covers other people’s damage and injury, and your vehicle for fire damage and theft.
  • Fully comprehensive, which allows you to make claims for damage to your scooter, and third party damage. You can also buy add-ons to cover injury to yourself.

Lower the price

As insurance premiums are based on you, there are several things you can do to get cheaper premiums:

  • Elect to pay a greater excess. You pay an excess if you need to have your motorcycle repaired after a crash, and you can usually set the price. Some policies have a compulsory excess too.
  • Take an additional training course. You have to pass a CBT to ride a scooter or motorbike, but taking an advanced training course theoretically means you’re a safer rider, and so insurance companies might offer you a discount.
  • Use security devices. Two of the biggest rating factors are your location and the crime rate in your area. If you buy extra security equipment for your scooter, such as a lock or dashcam, insurers may give you a discount.
  • Be conscious of when you ride. Many providers will give you cheaper premiums if you don’t ride your motorbike at night, and remain under a certain annual mileage. They might ask you to fit a black box on your motorcycle to keep track of this data.

How much is motorcycle insurance?  The type of vehicle you buy also affects who has the cheapest motorcycle insurance. 50cc scooters are less powerful than 125ccs, and so are cheaper to insure. 125cc motorcycles are more expensive to insure than 50cc and 125cc scooters. However, don’t let this discourage you from buying the bike you want, as Scoot Scoot will always be able to find you the cheapest insurance.

Finding the best insurance can take ages, and can get very confusing. That’s why Scoot Scoot compares the market for you. They ensure you get the best deal on insurance when you buy one of their scooters or motorbikes so you can get on the road faster.

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