Try to think about what would seem like a reasonable sum to part with should an unfortunate incident occur. Should you choose to pay a higher excess, it's likely your premium will be lower. This is something you should always check in the small print of your policy and consider with care. The excess is the amount you need to pay in the event of making a claim before your insurance cover kicks in. Always be honest with your insurance provider about who will be riding your machine, or there could be serious implications should you need to claim. It will cost you more to add a young, inexperienced rider to your cover, but insuring an older or experienced rider might actually save you money. But it isn't always bad news for your bank balance. If you need to insure other riders on your motorcycle, you can expect the premium to be affected. A sturdy immobiliser and parking your machine somewhere safe overnight can also have a positive impact on the amount you pay. A Thatcham approved electronic alarm is considered to be one of the best security measures for deterring motorcycle thieves. Investing in excellent security protection for your pride and joy can help lower your insurance premium. Unless it's a particularly unusual or rare bike, these types of motorcycle are usually cheaper to repair and replace. Choose a less expensive or smaller motorcycleĬhoosing a less expensive, smaller or older model of motorcycle could be cheaper to cover than a modern machine with a powerful engine. Make sure to check the small print of your policy as there's likely to be a list of exclusions not all comprehensive motorcycle insurance policies are the same. Again, this level of insurance won't cover you in the event of personal injury.Ĭomprehensive cover offers a range of additional benefits such as personal injury insurance, accidental damage to your motorcycle and even a replacement bike if yours needs to be fixed.
CHEAP MOTORBIKE INSURANCE PLUS
Third party, fire and theft (TPFT) offers the same deal as above plus additional cover for theft and any damage to your motorcycle in an attempted theft or in the event of a fire. This level of insurance won't pay out for any repairs to your own motorcycle or any injuries you sustain. It will cover you if you're found to be at fault in an accident that causes injury to another person or damage to their property. Third party only insurance (TPO) is the minimum cover required by law. To decide what type of cover is most appropriate for your needs, it's important to understand the three types of motorcycle insurance policies available:
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