![]() Your riding record – if you’ve got points on your licence or have any motorcycle convictions, it’s more than likely to increase the cost of insurance.Your age and experience – if you’re a young or inexperienced rider, you could face higher than average premiums because statistically, the chances of being involved in an accident are greater.Just like car and van cover, the cost of your motorcycle insurance is influenced by a wide range of factors, for example: Cruisers and touring bikes – designed for comfort and long distances, if you take yours out regularly and cover a number of miles, it could be sensible to consider add-ons such as breakdown cover and pillion cover if you carry a passenger.They can be expensive to insure because of their speed, power and their desirability which can make them a target to thieves. Sports bikes – these generally include powerful, high-performance motorcycles.Nevertheless, it’s crucial to be upfront with any and all modifications you’ve had done, if you forget to disclose details, it could invalidate your policy which means your insurer can refuse to pay out. Modifications can inflate premiums simply because your bike is unique which can mean parts are hard to come by and it could be pricey to repair. Modified bikes – these are bikes that you’ve customised yourself or have had customised for you.Even if you only ride your classic or vintage bike on the odd occasion, if you’re riding on public roads, remember that it’s a legal requirement to have third party only cover at the very least. Classic and vintage bikes – insurers set their own rules about what’s defined as a ‘classic’ so it’s important to specify how old your bike is.The exception is if you’re a newbie rider and under 25 as you’re considered to be at higher risk of an accident than a more experienced biker. Scooters and mopeds – typically inexpensive to buy and relatively simple to fix, scooters and mopeds can be cheap to insure.There are a range of policies to cover the different types of bikes, including: When you search for motorbike insurance, you’ll be asked for specific details about your bike, to make sure you have the correct cover for what you need. While third party only cover can be the cheapest option, comp cover generally offers greater all-round protection which could prove better value in the long run. Comp cover as it’s sometimes known, is the highest level of cover available.Ĭomprehensive insurance is often considered the most expensive of the three options but it’s well worth comparing all types of policies. ![]()
0 Comments
Leave a Reply. |